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. Buying by rationalization is different from impulse buying. We should think of purchases in terms of trade offs. Most of us can't afford everything we want, so choices must be made. Every family has its own system of handling the details of its finances.