Just like most everyone else, I love a good sale.

And right now those after-Christmas sales lure us like a siren call.  But I’ve learned the hard way that is doesn’t really matter how good the sale is, I still have to ask this question, “Do I need it or do I want it?”

If I want it, I have to think about what I’m spending, not what I’m saving.  50% off means I still have to pay the other 50%!

Of course, if I need it, I’m thrilled.  Mark and I have worked on a spending plan and it sure helps when I’ve already planned to spend money and I’m able to save some of that money with a good sale!

But this year, I’ll resist the sale on winter clothes.  It’s not in my plan.

And you know, honestly, having a plan feels even better than finding a good sale!

What about you?  What strategies do you use to keep spending under control?

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