When next month's paycheck is continually promised for goods purchased today, economic security is jeopardized. There are various rules of thumb for the amount of credit one can safely use. A sensible approach is to find out how your money is currently being spent. Next, set aside a sum to be saved monthly. If there is money left over after expenses and savings, you can decide whether to take on additional debts.
Help is available for people whose bills have become unmanageable.
There is a Consumer Credit Counseling Service in Albuquerque and El Paso. Both will accept clients from other areas. They are non-profit organizations. Some items are inexpensive trinkets, but some are costly items. Impulse buying is buying without thinking carefully about the purchase.