This rule somehow seems easy and hard at the same time. Next time you’re pondering a purchase, financial gurus say wait 24 hours before you buy.  This gives you a chance to think it over, check your bank or credit balance, and re-evaluate whether the item is a want or a need.  More often than not, it’s probably a want and you should skip it.  But, if you wait 24 hours and decide you still want it, you’ve checked that it fits in your budget, and you know you’ll actually use it…the only thing you’ve lost is your 24 hours behind schedule!