7. Be wary of the pressures of our consumer society. Do you think you are immune to the tactics used in ads to get you to spend? “You deserve it!” “You only live once!” “A bargain you can’t miss!”. We are each subjected to thousands of ad messages per day. We’re not even aware of most of them, but they do have an impact – subconscious as well as conscious. Be aware of these pressures and, at the very least, say “not now”. The urge to splurge will pass.