Credit card interest rates are high, making impulse buying an expensive habit In some cases, a significant and unmanageable amount of debt Yet nearly half of americans carry credit card debt month to month, according to bankrate’s credit.
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The average american spends approximately $5,400 annually on impulse purchases, creating a significant drain on potential savings and investments
Credit card debt from impulse buying often carries high interest rates, compounding the financial impact of emotional spending decisions.
Use the 50/30/20 rule (needs/wants/savings) to spot imbalances If any category consistently breaks these percentages, it’s time to reassess. Impulse spending can cause debt
