If you're someone who buys things on impulse, give yourself a cooling-off period of two days before committing. You may change your mind. Could you wait until you can afford to buy the item without borrowing? If you don't need it today, seriously consider this option. Saving up costs far less and you could even find it has been reduced in the sale later on. If it's something urgent, could you get it by swapping with someone, buying it second-hand or looking on a freebie website?
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