The 24-Hour ‘Cooling Off’ Rule ⏳

Ever felt that "buyer’s remorse" after a late-night online shopping spree? In 2026, mindful spending is about hitting the pause button to ensure your purchases align with your long-term goals.

i) Wait Before Clicking "Buy": If you feel the urge for an unplanned purchase, give it at least 24 hours before checking out.

ii) Evaluate the Need: Use that time to ask if the item is a true need or just a passing impulse triggered by stress or social media.

iii) Check Your Budget: Often, you’ll find that the excitement fades overnight, leaving your "Peace of Mind Fund" intact for what really matters.

Mastering your impulses is the fastest way to master your wealth this year. 💰