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Some of your more materially minded friends might convince you to make a huge purchase. Are you suddenly a status shopper? This may entail more of a financial commitment than you want to make. It's easy to grab at the latest clothing trend, cool car and chic vacation spot. The overhead, however, might be a lot more than you can handle. Just because everyone else is mired in credit card debt doesn't mean you have to be. Break free of the buy-it-now mindset.