“Can you delay purchasing this item? For how long—a month, a year? Do you still need or want it now? Do you really need this item now, or just want it? Is there a hidden need behind your want? If you have a hidden need, what is it, and can you find other nonconsumer ways to meet it? Do you still need or want it now? So you’ve answered all of these questions so far and, yes, you do need this item. Is there an important reason you need to spend money on it? If a free one would work, do you need to keep it forever, or could you ask to borrow one? Is there a safety reason it must be brand-new, never used? If so, could you ask for a brand-new one in your”