Should you buy it? If you answer 'yes' to these questions, probably not

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Many of us know the old adage to save money: Buy what you need, not what you want.

But even when money is tight, it's a hard rule to follow. It's OK to buy what you want every now and then, but the key is to be intentional, says Aja Evans, a licensed mental health counselor and financial therapist.

Consider your budget, the occasion and even your mood. "What's going on with me emotionally? Am I just buying this because I am upset?

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