Not so fast! Your buying habits are getting a bit too impulsive, and if left unchecked, they could lead to making a bigger financial commitment than you are ready for. Be very wary of installment situations, where you are asked to pay a certain amount over a length of time. If you need to buy things, use cash. Delaying your payment will not benefit you in the end. Debt is something to avoid much more consciously, and living a 'cash only' existence, at least for a while, should help.
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Discover what 2015 holds for you: