When you borrow for something, its like borrowing from your future self. Its very difficult to resist in the world of instant gratification and the I always make sure that one solution for this is balance between saving and spending and for this customised budget and finacial plan come at rescue.

Temptations are usually very short lived. The best way to overcome this is to ask yourself why you want to take more debt? Will it really add value? Is it worth taking additional liability? The ability to be able to ask yourself these questions comes when one is calm and composed in one self. For this a combination of breath work, meditation and the wisdom to look beyond impulse and analyse long term effect of your decisions together play a big role. If you find that you are not able to do it yourself, get a mentor. Professionals can help you overcome this.

Credit card or debt temptation can work as a friend or liability for whole life. Good family values, strong emotional control and financial awareness help you resist the urge to go for unnecessary debt situations like peer pressure or social obligations. Stay strong, focus on your own financial journey in your unique family situations. Seek help from an expert on how to navigate for any important financial asset or need beforehand and plan for that. Personal financial expert can actually save you from such behavioral compulsions and pitfalls to streamline your financial journey for you and your family.