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use the 1 percent spending rule if you want to save money
if you are an impulsive buyer and spend money on things you regret later , here is a rule to follow
wait for a day before making a purchase
if the item that you are planning to buy is less than or equal to 1% of of your yearly income , this applies to you
if after thinking about it for a day , if you still need it , go ahead and buy it