Save money shopping

Take the "Do I really need it?" test.

The next time you’re tempted in the stores, take this list. If you can answer “true” to at least four of these questions, go ahead and buy the item. If not, pass it up.

I am willing to dust, dry-clean, insure, store, fuel or otherwise maintain it.

  • True
  • False

I don’t already have something that will do just as well; I truly need this item.

  • True
  • False

I can’t borrow this from a friend or family member.

  • True
  • False

This product is a good value; it’s worth the number of hours I have to work to earn enough to buy it.

  • True
  • False

I have the cash to pay for it right now.

  • True
  • False

I can’t delay this purchase for a few weeks; I need it and can’t even wait 24 hours to buy it.

  • True
  • False