Be tough, Be clever, Be patient, and Be sensitive. Don't get carried away with your spending urges. Control it by working on a monthly budget. Be tough! You don't always have to give more than you can. Compromise and take advantage of the lowest APR in credit deals. Be clever! Enjoy couture on a slash off price tag if you can wait for sale. That way you can wear a cheaper Ralph Lauren. Be patient! Flashy ads and insidious offers are feeding on our greed. Before you enter into a deal, think carefully and be attentive to your primary needs. Be sensitive! These 4 BE's are your shield against the evil temptation of borrowing.
