A lot of the time when we are evaluating a potential purchase we make the mistake of assessing the cost against our total available funds at the moment. This is a practice that leads to overspending, and is the quickest way to unwittingly see your bank account drain down to nothing. Instead of thinking "can I afford this right now?" when making a non-essential purchase, try asking yourself "how many hours would I have to work to pay for this?" This will help put into perspective the real cost to you of a purchasing decision. That cab ride home at night or those new bluetooth speakers might not seem too significant, but when you consider how long you would have to work to pay for it you might change your tune. Get in the habit of doing this regularly and you're more likely to make prudent financial decisions.