Make these questions part of your daily routine and you'll find they have an immediate impact on your pocketbook. To get in the habit, write the Money Mantras down and keep them in your planner or wallet. Or, get the stylishly sensible Jean Chatzky Wallet and Key/Out-for-the-Night Case—both of which include removable mirrors with Jean's Money Mantras embossed on the back.

5 questions to ask yourself before you buy:

1. Do I need this?
2. What happens to my $ if I buy this?
3. What happens to my $ if I don't buy this?
4. How long will it take me to pay for this?
5. Will I want this after I've had time to think it over?