In personal finance, the immediate thing that you can do and see the effect is to cut your expenses drastically. Better to be pound wise, penny foolish I am sure that you
â€˜To buy or not to buy?â€™, that is the question. How to stop yourself from spending that money? I believe everyone has faced this dilemma before. Whether it is to purchase an expensive item like that new SUV, designer handbag or even a small trivial item like a tub of ice-cream.