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The Debt Free Cycle: The Ten Steps Out of Debt The Debt Free Cycle: The Ten Steps Out of Debt by John Endris
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“Want to save some money? Test the “10 second rule” This rule is not suitable for necessities like medicine, but works like magic for non-essentials.

1. The 10-second rule is triggered when you see something you want to buy.
2. Before you pull the trigger, just wait 10 seconds and then ask yourself this simple question. “Do I really need this?”
3. No matter what, walk away.
4. Wait a day to revisit this choice.
5. If you still want to buy it (and can even remember what it was) do so.

Does this work? Write down how much savings you have when you start the test and then when you end. Can you prove it doesn't work?”
John Endris, The Debt Free Cycle: The Ten Steps Out of Debt
“Debt is like ice. Icebergs are dangerous, but once you apply a bit of heat (attention), the giant insurmountable force becomes something harmless that you can put in a cup and drink.”
John Endris, The Debt Free Cycle: The Ten Steps Out of Debt