Which of the following are helpful tools to avoid spending more than you have? Good record keeping Impulse buying Credit card Cash flow chart Budget

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To avoid spending more than you have, the following tools from your list are helpful:

1. **Good Record Keeping**: Maintaining accurate records of your income and expenses helps you understand where your money is going and identify areas where you can cut back.

2. **Cash Flow Chart**: Creating a cash flow chart allows you to visualize your income versus your expenses over a specific period. This can help you manage your finances more effectively and ensure you stay within your budget.

3. **Budget**: Establishing a budget is one of the most effective ways to control your spending. A budget sets clear limits on how much you can spend in different categories, helping you prioritize essential expenses and reduce unnecessary ones.

### Not Helpful for Avoiding Overspending:

- **Impulse Buying**: This behavior often leads to unplanned and unnecessary expenses, making it harder to stick to your financial goals.

- **Credit Card**: While credit cards can be useful for building credit and making large purchases, they can also lead to overspending if not managed carefully. Unless used responsibly within a budget, credit cards can contribute to financial strain.

**Summary of Helpful Tools:**
- Good record keeping
- Cash flow chart
- Budget

**Tools to Be Cautious With:**
- Impulse buying
- Credit card

By focusing on effective record keeping, cash flow management, and budgeting, you can better control your spending and avoid exceeding your financial means.
To avoid spending more than you have, using good record keeping, a cash flow chart, and a budget are helpful. Impulse buying and credit cards can lead to overspending if not managed carefully.

Which of the following are helpful tools to avoid spending more than you have? Good record keeping Impulse buying Credit card Cash flow chart Budget

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