Impulsive buying can wreak chaos on your budget and lead to spending too much if you're not aware of tracking expenses. Credit card usage can cause you to spend more than you need to which is why budgeting and distinguishing between needs vs. wants is crucial. https://www.meritline.com/how-to-improve-your-spending-habits/ is possible through comparison shopping and taking advantage of discounts and promotions. Debt management and timely bill payments are also crucial for financial stability.