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I think there are several ways.
When you spend beyond your means
When you impulsively buy things you do not need
Buy things simply because they are "on sale"
When you make your husband (who HATES shopping go with you)
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when you buy just because an item is on sale, even if you don't want it or don't like it....or will never use it. I have a rule that if I don't love it or need it, I don't buy it.
When the shops blow up or you've spent every last penny you have and you're thrown out by the repo men!
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