Definitely not!

Yes, exactly this. I have a friend who always puts off buying clothes until the start of the next credit card billing cycle, not because he has trouble paying off his card, but because having a hard-and-fast rule to wait a little before buying something makes him reconsider about half the time.

One clap, two clap, three clap, forty?

By clapping more or less, you can signal to us which stories really stand out.