Don't get deceived by promos, discounts and sales.

Haha that is one of the ways the banks and businesses try to trick you into thinking you need to spend your money.

Especially if it says buy one take one or buy one get the next one half off. Or the ever famous FREE shipping.

If you have a credit card, don't carry a statement balance. Pay your bills first if you can and whatever extra for food. Grow your own food.