Learning how to stop spending money on impulse purchases is crucial to staying on top of your budget, reaching your financial goals, and for the overall security of your financial future.
We have all been there. You are in a store, or browsing online, and suddenly you see that perfect item you think you cannot live without so you buy it. As soon as you swipe that card, you get that awesome high you feel when you buy something you want.
Unfortunately, that feeling doesn’t last very long and before you even get home, or the package arrives in the mail, that nasty little creature called buyer’s remorse sets in. Then you realize you made yet another unnecessary purchase that may have derailed your budget.
Impulse buying is a serious habit that causes people to spend money they don’t have, ruin their budgets, and worse, go into debt to feed the monster.
However, this habit can be broken by understanding just what impulse purchases are, why making impulse purchases is so hard to stop, and exactly how to do it – using my tips!
Learning what causes an impulse purchase can help you recognize your weaknesses and curb your impulse to buy. That’s why it’s important to recognize what triggers your habit to spend. For me, its either an email with a good deal and that darn “free shipping” or a snack at the register, like I deserve a treat for grocery shopping or something.
WHAT ARE “IMPULSE PURCHASES”
I’m sure by now you have a pretty good idea of what an impulse purchase is but I want to dig really deep into this subject because its that serious.
By definition, an impulse purchases is this:
the buying of goods or services without planning to do so in advance, as a result of a sudden whim or impulse
A good example of an impulse purchase you can probably relate to is the following scenerio…
You are scrolling through your phone on your lunch break and receive an email from one of your favorite online stores for “TODAY ONLY! 20% off and FREE SHIPPING!” So guess what? You load up your cart with items you literally didn’t even want 5 minutes ago to cash in on that 20% off and not having to pay the $5.95 to ship it.
HOW TO STOP SPENDING MONEY ON IMPULSE PURCHASES
March 21, 2019 By Advice From Ashley
This post may contain affiliate links. I may receive a commission for purchases made through links in this post.
1085SHARES
Learning how to stop spending money on impulse purchases is crucial to staying on top of your budget, reaching your financial goals, and for the overall security of your financial future.
We have all been there. You are in a store, or browsing online, and suddenly you see that perfect item you think you cannot live without so you buy it. As soon as you swipe that card, you get that awesome high you feel when you buy something you want.
Unfortunately, that feeling doesn’t last very long and before you even get home, or the package arrives in the mail, that nasty little creature called buyer’s remorse sets in. Then you realize you made yet another unnecessary purchase that may have derailed your budget.
Impulse buying is a serious habit that causes people to spend money they don’t have, ruin their budgets, and worse, go into debt to feed the monster.
However, this habit can be broken by understanding just what impulse purchases are, why making impulse purchases is so hard to stop, and exactly how to do it – using my tips!
Learning what causes an impulse purchase can help you recognize your weaknesses and curb your impulse to buy. That’s why it’s important to recognize what triggers your habit to spend. For me, its either an email with a good deal and that darn “free shipping” or a snack at the register, like I deserve a treat for grocery shopping or something.
If you are interested in learning how to stop spending money on impulse purchases, keep reading to read about my 15 money saving tips that will help you stop spending so much money!
Save to Pinterest for later!
WHAT ARE “IMPULSE PURCHASES”
I’m sure by now you have a pretty good idea of what an impulse purchase is but I want to dig really deep into this subject because its that serious.
By definition, an impulse purchases is this:
the buying of goods or services without planning to do so in advance, as a result of a sudden whim or impulse
A good example of an impulse purchase you can probably relate to is the following scenerio…
You are scrolling through your phone on your lunch break and receive an email from one of your favorite online stores for “TODAY ONLY! 20% off and FREE SHIPPING!” So guess what? You load up your cart with items you literally didn’t even want 5 minutes ago to cash in on that 20% off and not having to pay the $5.95 to ship it.
It may seem like you just saved 20% on some awesome new stuff, but you really didn’t. You just spent money you weren’t even planning to spend and maybe didn’t budget for this month.
HOW TO STOP SPENDING MONEY ON IMPULSE PURCHASES
March 21, 2019 By Advice From Ashley
This post may contain affiliate links. I may receive a commission for purchases made through links in this post.
1085SHARES
Learning how to stop spending money on impulse purchases is crucial to staying on top of your budget, reaching your financial goals, and for the overall security of your financial future.
We have all been there. You are in a store, or browsing online, and suddenly you see that perfect item you think you cannot live without so you buy it. As soon as you swipe that card, you get that awesome high you feel when you buy something you want.
Unfortunately, that feeling doesn’t last very long and before you even get home, or the package arrives in the mail, that nasty little creature called buyer’s remorse sets in. Then you realize you made yet another unnecessary purchase that may have derailed your budget.
Impulse buying is a serious habit that causes people to spend money they don’t have, ruin their budgets, and worse, go into debt to feed the monster.
However, this habit can be broken by understanding just what impulse purchases are, why making impulse purchases is so hard to stop, and exactly how to do it – using my tips!
Learning what causes an impulse purchase can help you recognize your weaknesses and curb your impulse to buy. That’s why it’s important to recognize what triggers your habit to spend. For me, its either an email with a good deal and that darn “free shipping” or a snack at the register, like I deserve a treat for grocery shopping or something.
If you are interested in learning how to stop spending money on impulse purchases, keep reading to read about my 15 money saving tips that will help you stop spending so much money!
Save to Pinterest for later!
WHAT ARE “IMPULSE PURCHASES”
I’m sure by now you have a pretty good idea of what an impulse purchase is but I want to dig really deep into this subject because its that serious.
By definition, an impulse purchases is this:
the buying of goods or services without planning to do so in advance, as a result of a sudden whim or impulse
A good example of an impulse purchase you can probably relate to is the following scenerio…
You are scrolling through your phone on your lunch break and receive an email from one of your favorite online stores for “TODAY ONLY! 20% off and FREE SHIPPING!” So guess what? You load up your cart with items you literally didn’t even want 5 minutes ago to cash in on that 20% off and not having to pay the $5.95 to ship it.
It may seem like you just saved 20% on some awesome new stuff, but you really didn’t. You just spent money you weren’t even planning to spend and maybe didn’t budget for this month.
Here is an example of a purchase that really isn’t an impulse buy, but you might think it is based on the previous definition:
Imagine you are grocery shopping and remember you ran out of olive oil so you grab it, even though it’s not on your list. Is this considered an impulse buy? Nope. You simply forgot to add it to your list when you were creating your meal plan for the week. You need this item in your pantry and you’ve previously budgeted for it in your grocery budget.
HOW TO STOP SPENDING MONEY ON IMPULSE PURCHASES
March 21, 2019 By Advice From Ashley
This post may contain affiliate links. I may receive a commission for purchases made through links in this post.
1085SHARES
Learning how to stop spending money on impulse purchases is crucial to staying on top of your budget, reaching your financial goals, and for the overall security of your financial future.
We have all been there. You are in a store, or browsing online, and suddenly you see that perfect item you think you cannot live without so you buy it. As soon as you swipe that card, you get that awesome high you feel when you buy something you want.
Unfortunately, that feeling doesn’t last very long and before you even get home, or the package arrives in the mail, that nasty little creature called buyer’s remorse sets in. Then you realize you made yet another unnecessary purchase that may have derailed your budget.
Impulse buying is a serious habit that causes people to spend money they don’t have, ruin their budgets, and worse, go into debt to feed the monster.
However, this habit can be broken by understanding just what impulse purchases are, why making impulse purchases is so hard to stop, and exactly how to do it – using my tips!
Learning what causes an impulse purchase can help you recognize your weaknesses and curb your impulse to buy. That’s why it’s important to recognize what triggers your habit to spend. For me, its either an email with a good deal and that darn “free shipping” or a snack at the register, like I deserve a treat for grocery shopping or something.
If you are interested in learning how to stop spending money on impulse purchases, keep reading to read about my 15 money saving tips that will help you stop spending so much money!
Save to Pinterest for later!
WHAT ARE “IMPULSE PURCHASES”
I’m sure by now you have a pretty good idea of what an impulse purchase is but I want to dig really deep into this subject because its that serious.
By definition, an impulse purchases is this:
the buying of goods or services without planning to do so in advance, as a result of a sudden whim or impulse
A good example of an impulse purchase you can probably relate to is the following scenerio…
You are scrolling through your phone on your lunch break and receive an email from one of your favorite online stores for “TODAY ONLY! 20% off and FREE SHIPPING!” So guess what? You load up your cart with items you literally didn’t even want 5 minutes ago to cash in on that 20% off and not having to pay the $5.95 to ship it.
It may seem like you just saved 20% on some awesome new stuff, but you really didn’t. You just spent money you weren’t even planning to spend and maybe didn’t budget for this month.
Here is an example of a purchase that really isn’t an impulse buy, but you might think it is based on the previous definition:
Imagine you are grocery shopping and remember you ran out of olive oil so you grab it, even though it’s not on your list. Is this considered an impulse buy? Nope. You simply forgot to add it to your list when you were creating your meal plan for the week. You need this item in your pantry and you’ve previously budgeted for it in your grocery budget.
That bag of Doritos that has nothing to do with your weekly meal plan and wasn’t budgeted for but caught your eye as you passed? You guessed it, impulse buy.
WHY WE MAKE IMPULSE PURCHASES
So why do you keep making these impulse purchases? You know they are bad and will destroy your budget if you aren’t careful.
It’s all down to psychology and the sales tactics stores use to make you think you need something when you don’t. They use wording to create urgency in your mind that you are going to miss out on a great deal if you don’t act.
HOW TO STOP SPENDING MONEY ON IMPULSE PURCHASES
March 21, 2019 By Advice From Ashley
This post may contain affiliate links. I may receive a commission for purchases made through links in this post.
1085SHARES
Learning how to stop spending money on impulse purchases is crucial to staying on top of your budget, reaching your financial goals, and for the overall security of your financial future.
We have all been there. You are in a store, or browsing online, and suddenly you see that perfect item you think you cannot live without so you buy it. As soon as you swipe that card, you get that awesome high you feel when you buy something you want.
Unfortunately, that feeling doesn’t last very long and before you even get home, or the package arrives in the mail, that nasty little creature called buyer’s remorse sets in. Then you realize you made yet another unnecessary purchase that may have derailed your budget.
Impulse buying is a serious habit that causes people to spend money they don’t have, ruin their budgets, and worse, go into debt to feed the monster.
However, this habit can be broken by understanding just what impulse purchases are, why making impulse purchases is so hard to stop, and exactly how to do it – using my tips!
Learning what causes an impulse purchase can help you recognize your weaknesses and curb your impulse to buy. That’s why it’s important to recognize what triggers your habit to spend. For me, its either an email with a good deal and that darn “free shipping” or a snack at the register, like I deserve a treat for grocery shopping or something.
If you are interested in learning how to stop spending money on impulse purchases, keep reading to read about my 15 money saving tips that will help you stop spending so much money!
Save to Pinterest for later!
WHAT ARE “IMPULSE PURCHASES”
I’m sure by now you have a pretty good idea of what an impulse purchase is but I want to dig really deep into this subject because its that serious.
By definition, an impulse purchases is this:
the buying of goods or services without planning to do so in advance, as a result of a sudden whim or impulse
A good example of an impulse purchase you can probably relate to is the following scenerio…
You are scrolling through your phone on your lunch break and receive an email from one of your favorite online stores for “TODAY ONLY! 20% off and FREE SHIPPING!” So guess what? You load up your cart with items you literally didn’t even want 5 minutes ago to cash in on that 20% off and not having to pay the $5.95 to ship it.
It may seem like you just saved 20% on some awesome new stuff, but you really didn’t. You just spent money you weren’t even planning to spend and maybe didn’t budget for this month.
Here is an example of a purchase that really isn’t an impulse buy, but you might think it is based on the previous definition:
Imagine you are grocery shopping and remember you ran out of olive oil so you grab it, even though it’s not on your list. Is this considered an impulse buy? Nope. You simply forgot to add it to your list when you were creating your meal plan for the week. You need this item in your pantry and you’ve previously budgeted for it in your grocery budget.
That bag of Doritos that has nothing to do with your weekly meal plan and wasn’t budgeted for but caught your eye as you passed? You guessed it, impulse buy.
Other great articles:
- 10 Expenses You Are Not Budgeting For But Should Be
- 15 Personal Finance Tips That Can Have A Huge Impact On Your Money
- How to Live Below Your Means
- How to Stop Living Paycheck to Paycheck
- How to Budget for Beginner’s
WHY WE MAKE IMPULSE PURCHASES
So why do you keep making these impulse purchases? You know they are bad and will destroy your budget if you aren’t careful.
It’s all down to psychology and the sales tactics stores use to make you think you need something when you don’t. They use wording to create urgency in your mind that you are going to miss out on a great deal if you don’t act.
“Today only” “for our valued customers” “this only happens once a year” – even though it just happened last month.
These marketing and sales tactics play on your emotions, and when you do make the purchase, give you a false sense of contentment only to be filled with regret, guilt, and feeling worse about yourself later. The stores don’t care about how you feel later though, they got their money and what you do or feel afterward is none of their concern.
HOW TO STOP SPENDING MONEY ON IMPULSE PURCHASES
It may feel like you are helpless when it comes to making impulse purchases, but there are ways to fight the urge to buy and to ignore the “good deal” being waved in your face.
Here are my top strategies about how to stop spending money on impulse purchases. You can get control of your spending habits, you just need to learn what your weaknesses are and learn to overcome them.
1. ALWAYS SHOP WITH A LIST
When you have a list with you while shopping, it’s an extra step of accountability to stick with. Shopping with a list is just like using a budget effectively. It’s a plan you have created for the money you budgeted to shop.
When you use a list, you are far less likely to make any impulse purchases. This is because once you cross all the items off, you will feel a sense of accomplishment at having followed your plan.
HOW TO STOP SPENDING MONEY ON IMPULSE PURCHASES
March 21, 2019 By Advice From Ashley
This post may contain affiliate links. I may receive a commission for purchases made through links in this post.
1085SHARES
Learning how to stop spending money on impulse purchases is crucial to staying on top of your budget, reaching your financial goals, and for the overall security of your financial future.
We have all been there. You are in a store, or browsing online, and suddenly you see that perfect item you think you cannot live without so you buy it. As soon as you swipe that card, you get that awesome high you feel when you buy something you want.
Unfortunately, that feeling doesn’t last very long and before you even get home, or the package arrives in the mail, that nasty little creature called buyer’s remorse sets in. Then you realize you made yet another unnecessary purchase that may have derailed your budget.
Impulse buying is a serious habit that causes people to spend money they don’t have, ruin their budgets, and worse, go into debt to feed the monster.
However, this habit can be broken by understanding just what impulse purchases are, why making impulse purchases is so hard to stop, and exactly how to do it – using my tips!
Learning what causes an impulse purchase can help you recognize your weaknesses and curb your impulse to buy. That’s why it’s important to recognize what triggers your habit to spend. For me, its either an email with a good deal and that darn “free shipping” or a snack at the register, like I deserve a treat for grocery shopping or something.
If you are interested in learning how to stop spending money on impulse purchases, keep reading to read about my 15 money saving tips that will help you stop spending so much money!
WHAT ARE “IMPULSE PURCHASES”
I’m sure by now you have a pretty good idea of what an impulse purchase is but I want to dig really deep into this subject because its that serious.
By definition, an impulse purchases is this:
the buying of goods or services without planning to do so in advance, as a result of a sudden whim or impulse
A good example of an impulse purchase you can probably relate to is the following scenerio…
You are scrolling through your phone on your lunch break and receive an email from one of your favorite online stores for “TODAY ONLY! 20% off and FREE SHIPPING!” So guess what? You load up your cart with items you literally didn’t even want 5 minutes ago to cash in on that 20% off and not having to pay the $5.95 to ship it.
It may seem like you just saved 20% on some awesome new stuff, but you really didn’t. You just spent money you weren’t even planning to spend and maybe didn’t budget for this month.
Here is an example of a purchase that really isn’t an impulse buy, but you might think it is based on the previous definition:
Imagine you are grocery shopping and remember you ran out of olive oil so you grab it, even though it’s not on your list. Is this considered an impulse buy? Nope. You simply forgot to add it to your list when you were creating your meal plan for the week. You need this item in your pantry and you’ve previously budgeted for it in your grocery budget.
That bag of Doritos that has nothing to do with your weekly meal plan and wasn’t budgeted for but caught your eye as you passed? You guessed it, impulse buy.
WHY WE MAKE IMPULSE PURCHASES
So why do you keep making these impulse purchases? You know they are bad and will destroy your budget if you aren’t careful.
It’s all down to psychology and the sales tactics stores use to make you think you need something when you don’t. They use wording to create urgency in your mind that you are going to miss out on a great deal if you don’t act.
“Today only” “for our valued customers” “this only happens once a year” – even though it just happened last month.
These marketing and sales tactics play on your emotions, and when you do make the purchase, give you a false sense of contentment only to be filled with regret, guilt, and feeling worse about yourself later. The stores don’t care about how you feel later though, they got their money and what you do or feel afterward is none of their concern.
HOW TO STOP SPENDING MONEY ON IMPULSE PURCHASES
It may feel like you are helpless when it comes to making impulse purchases, but there are ways to fight the urge to buy and to ignore the “good deal” being waved in your face.
Here are my top strategies about how to stop spending money on impulse purchases. You can get control of your spending habits, you just need to learn what your weaknesses are and learn to overcome them.
1. ALWAYS SHOP WITH A LIST
When you have a list with you while shopping, it’s an extra step of accountability to stick with. Shopping with a list is just like using a budget effectively. It’s a plan you have created for the money you budgeted to shop.
When you use a list, you are far less likely to make any impulse purchases. This is because once you cross all the items off, you will feel a sense of accomplishment at having followed your plan.
2. WAIT 24 HOURS TO MAKE ANY PURCHASES NOT PLANNED FOR
One of the biggest triggers for impulse buying is the fear of missing out on a new item or service, which is what really creates the drive to make the purchase.
When you are out shopping, online or in a real store, it is inevitable you will come across something new that catches your attention. It’s just unavoidable. When this happens, and you feel the need to buy it immediately, put it back and wait at least 24 hours to buy it.
This time will give you the opportunity to clear your head of the initial emotion of wanting so you can truly decide if you need this new item in your life.
Creating a “waiting” time period rule like this for yourself is the first step towards breaking your spending habits. It will help you learn discipline to not make impulse purchases on the spot, and give you time to evaluate your needs and remember that you haven’t planned for this new item in your shopping trip.
Of course you can wait longer than 24 hours if you think you need more time – two days, one week, one month, etc. This is your personal shopping rule and you should create it based on your own personal habits.
3. CALCULATE THE ITEMS VALUE IN YOUR TIME
This one is a game-changer for me. I still fall victim to the impulse buy from time to time, who really doesn’t? But once I learned to calculate an items value in the time it takes me to earn the money to pay for it, the item loses a little luster in my eyes.
Here is how you calculate an items value to help you do this too:
First, take the hourly rate you are paid – if you are salary based, divide your weekly gross pay amount by 40 hours to see what you get paid per hour, roughly.
Once you have that number, compare it to the price of the item or service you want to buy. If your hourly rate comes out to $15 and a what you want to buy is $90, it will take six hours of your time to pay for it, before taxes.
Calculating an items value based on the amount of your time you need to put in to own it really puts the want vs. need into perspective. Give it a try and you will see a drop in the amount of money you spend.
4. DON’T BUY NON-RETURNABLE OR “FINAL SALE” ITEMS
One good thing about making impulse purchases is that you can usually return the item once the buyer’s remorse sets in and you realize you don’t want or need it any longer. Sometimes though, items are marked “non-returnable” or “final sale” and there is no hope for you if you buy something with that tag and later decide you want your money back.
Never, ever make an impulse buy on something you cannot return. Once you pay for it, it’s yours and when buyer’s remorse sets in, there will be nothing you can do about it.
5. TAKE STOCK OF WHAT YOU ALREADY OWN
Have you ever bought something, and later came to find out that you had that exact same item already in your possession? So frustrating!
Before you make your plan for shopping or buy anything, go through your closet, cupboards, bathroom, literally your entire home to make sure you don’t already own the very item or something similar that will do the exact same thing.
Nothing is worse than having duplicates of something and later getting rid of one when you could just as easily have saved your money and been happy with the original.
6. BUDGET FOR IMPULSE PURCHASES
It may sound funny to be budgeting for impulse purchases, but it works and will help you save money in the beginning when you know you won’t be able to stop making impulse purchases right away.
Create a category in your budget specifically for impulse buys and allow yourself to spend money. I usually lump this category together with my “miscellaneous” category because once I started tracking my spending, I noticed most of my miscellaneous amounts were impulse buys anyways.
7. TAKE A “NO SPENDING” CHALLENGE
While this option doesn’t work for everyone, it may just work for you because it is a great way to learn how to stop spending money on impulse purchases.
A spending challenge is a great way to break the habit of making impulse purchases by helping you track your progress for a set period of time (usually 30 days) so you can see how well you are doing. It takes about 21 days to break a habit, and giving yourself 30 days will ensure the habit is broken and you have created a new habit of not spending!
8. UNSUBSCRIBE FROM STORE EMAILS
How many retailers email newsletters are you signed up for? Quite a few, probably, because they usually send out emails when they are having a huge sale. After all, that is probably how they lured you to join in the first place, with a promise of 20% off to join their email list.
By unsubscribing from all of these emails you will immediately eliminate a huge trigger that causes you to spend money on stuff you don’t need when they announce a huge discount.
I understand that the fear of missing out on a great sale is real when it comes to unsubscribing from these emails, so I suggest creating a separate email account just for subscribing to newsletters and only check it when you need something. That way the temptation to buy something is eliminated but you will still know when a sale is happening.
PRO TIP: don’t give yourself access to this email on your phone, only allow yourself to check it from your laptop or home computer. For some reason, at least for me, shopping on a laptop or other computer is just not the same as shopping on my phone so it’s easier for me to not make any purchases.
9. NO EMOTIONAL SHOPPING, FIND A NEW FOCUS
What I mean by emotional spending is this, imagine the way you feel after you’ve had a bad day at work. You are probably feeling pretty down and might go for a walk to clear your head. On your walk, you pass a window shop and see something you like and you buy it with the idea of treating yourself because “you deserve it” after your hard day.
The same idea applies when you have a great day and are feeling amazing about yourself, you could pass the same shop and get the same reaction of “I deserve it.”
Do not let your emotions control how you spend your money and what you buy. Find a new focus for yourself when feeling emotional like meditating, yoga, reading, or talking it out with a friend.
10. STOP USING SHOPPING AS YOUR “HOBBY”
If someone has ever asked you what you do for fun and one of your answers is “shopping,” you need to find a new hobby!
Shopping is not a hobby, especially when the results of the shopping are overspending, debt, and leaving you with a feeling of guilt or failure.
It’s easy enough to find a new hobby that is free, much cheaper than shopping, or could potentially even make you money!
11. READ REVIEWS BEFORE YOU BUY
If you are not already doing this, you need to start now! Reading reviews of any product should be a priority before making any purchase, it also gives you the opportunity to put off the impulse buy and help you decide if you really want it.
I usually google the product I want and read any and all reviews I can find and they are usually spot-on for everything. I have really been burned before by ignoring the product reviews and buying what I wanted anyways. It has never worked out – especially on items like clothing and shoes.
Always read a product’s reviews before you make the investment.
12. PUT AN ITEM IN YOUR CART THEN LEAVE
This move is surprisingly powerful. Whenever you are facing an impulse buy online, simply put the item in your cart, close the browser, and go about your day to distract yourself. A lot of times, you will forget about the item and never go back to make the purchase.
I have opened my prior shopping carts so many times (with a clear head, free of any impulses to buy) and found items I put there for safekeeping. More than once the item was something I would never buy in a clear state of mind!
13. KEEP PRIOR PURCHASES YOU REGRET IN THE BACK OF YOUR MIND
We all have impulse purchases we regret making. Whenever you are faced with an impulse buy, try to focus on a time when you made an impulse purchase that you regret. It will help you walk away, give you time to read reviews and help you clear your head.
14. ALWAYS KEEP YOUR FINANCIAL GOALS IN MIND!
If you have some financial goals you are working towards, spending money on impulse purchases will keep you from reaching those goals in the timeframe you have set for yourself.
Always keep your financial goals in mind when faced with an impulse buy and ask yourself questions like these:
- Can I actually afford this item and still reach my goals when I want to?
- Does this item fit with my financial goals and plan to reach them?
15. KEEP YOUR CARD IN A SPOT AWAY FROM WHERE YOU TEND TO DO MOST OF YOUR ONLINE SHOPPING
I tend to do most of my shopping and browsing from my bed. When it’s time to check out and I need my card, I have to walk to the place I keep my purse – on the other side of the house. I’ve saved a lot of money using this tactic because I know there is no impulse buy worth getting out of bed for.
Give it a try and see how much less spending you will do! You can avoid a lot of purchases by keeping your card out of reach, trust me.
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