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Training yourself to resist that need for instant gratification can save you money over time.

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Gonzalez said that a treat should feel special, which also means occasional.

If you intentionally budget for it, you wont feel so guilty for spending.

This way, you give yourself permission to enjoy treats and fun purchases while ensuring financial responsibilities are covered.

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Try using goal visualization and train yourself tofeel rewarded by savings targetsinstead of purchases.

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