Mantra #1: Manage your finances like you manage your social life. For example, place bill due dates on your calendar right alongside your social outings. This serves as a good reminder.
Mantra #2: Find the bigger "yes." Set your priorities. Make spending cuts in areas that matter.
Mantra #3: You can't out-frugal your way to rich. "You don't have to eat lobster every night, but you do have to eat."
Mantra #4: Sober up your spending for free. Free (general) financial advice is available if you look for it.
Mantra #5: Buy more good times than good things. We typically don't look back and regret the things we didn't purchase. Look for experiences instead of material things.
Mantra #6: Don't do anything smart. If you're feeling jumpy, relax. Try not to act out of emotion.
Mantra #7: Wait a day or two... or three. Before making a purchase, sleep on it. It will still be available in a day or two and you'll often decide it's something you really don't need.
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