Researchers in consumer habits have found that if you’re scraping the last of your cash to buy something, it feels more costly, which makes you less happy about it. Rather than putting something on credit until your paycheck rolls in, wait until the check clears, and then buy. That way, it’ll seem like well-earned money well spent rather than bottom dollar squandered, and you’ll feel psyched instead of guilty.

READ MORE: Control Impulse Buying