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Impulse- A strong desire or sudden urge.
Individuals tend to crave things that they don’t need, they buy things just because their on sale or because they’re popular. When spending unnecessary items on unnecessary things individuals are unknowingly  putting themselves in debt. Instead of buying everything that they are interested in individuals should try limiting themselves, this way they will have their necessities and their desires.

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People should find a more effective way to send funds, such as transfers, checks,etc. By doing so, individuals would have a less chance of their money ending up in the wrong place, thus teaching  responsibility.

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In order to spend a reasonable amount when shopping, individuals should, do some comparison shopping, when online shopping individuals should look for coupon codes, and plan for shopping in advance. By planning for shopping in advance, people will know exactly what they have to get so that they won’t pick up anything extra.

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Individuals should keep track of their funds by, writing them down. They should also try not to have more than one credit card, since credit cards normally have to be paid back.

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Failing to keep records of deposits and withdrawals is a big banking mistake. It causes one to go into debt, while thinking that they have money when they really don’t. To decrease the chances of debt individuals should write how much they have in their check books each time they spend money so that they’ll never forget, check their bank account frequently, putting a lock on their savings account if they find themselves spending too frequently and prioritizing, only buying things that are needed. By doing so individuals will not only have more money, but they will also have a less chance of losing track of their funds.

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Individuals unknowingly make payment mistakes. For an example sending money via mail, while one may think that sending money through mail is harmless, and prevents one from having to travel individuals often forget that by sending money in the mail there’s no guarantee that the money will get where it needs to be so overall the money would just be going to waste.

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Individuals often buy things without first looking at the price tags.They also tend to buy things that they don’t need, they also drive a long distance due to a sale which overtime causes them to spend more. Instead of splurging, individuals should spend more of their money on their necessities rather than materialistics.