WAY TO GO JIM!! Delaying purchases temporarily is a great tactic for saving money. I've done it and it works. If you delay for a while, you question if you really need that new knife/gun/watch, whatever. I use cash to pay for stuff, and my credit card is for emergency. I find that counting out the cash at time of purchase makes me realize that I'm actually spending money compared to 'plastic' money to be paid at a later date. I've had the practice of saving change and when it builds up, use it for a night out for the better half and I, or a bonus luxury grocery trip. And of course not buying any new knives saves a ton of dough.