1. Unplanned spending, called impulse buying, prevents good financial planning. While people may spend to feel good about themselves, that often results in budget problems, high debt levels, and greater financial stress. Controlling unplanned spending contributes to financial progress. Careful spending results in lower debt, more savings, and achieving financial goals.

YOUR SITUATION: Are you able to minimize your unplanned purchases? Are there areas of spending you might reduce? A low unplanned spending ratio can result in improved financial security.