Ever seen something you really want and wondered if you should buy it? The $100 Rule is a simple way to help you decide — it asks: Can I afford this item twice? If the answer is yes, then it might be a reasonable purchase. If not, it’s probably best to think twice.

How the $100 Rule Works

• The idea: Before buying something, check if you have enough money to buy it again without stressing your budget.
• The question to ask: Do I have at least $100 in my savings or available funds to buy this twice?
• Why $100? It’s a modest amount that encourages you to consider whether the item is a need or a want, and whether it’s worth the cost.

How to Use the Rule in Practice

1. Check your budget: Do you have $100 or more in your savings or available money?
2. Think about the item: Is it a necessity or something you truly want?
3. Ask: If I needed to buy this again, could I do so without financial stress?
4. Decide:
   • If yes, go ahead — it’s probably affordable.
   • If no, think about whether you really need it or if you can wait.

Why It’s Helpful

• It encourages responsible spending.
• It makes you think about the true value of what you’re buying.
• It helps prevent impulse purchases that could strain your finances.
• It promotes saving and financial awareness.

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Remember:
The $100 Rule isn’t about never buying anything fun or new — it’s about making smarter choices. If you can comfortably afford to buy something twice, it’s likely a reasonable purchase. If not, it might be worth saving up or reconsidering.

Want to be a smarter spender? Before you buy, ask yourself: Can I afford this twice?