충동적 지출 차단 시스템

Act as a financial behavior system designer. I want to stop making impulse purchases. My biggest spending triggers are: [description] I use my credit card with this frequency: [frequency] The categories where I most overspend are: [list] Design a 30-day system that increases friction before making a purchase. Include: A waiting period rule for non-essential purchases A flexible weekly spending limit A wishlist system A subscription review process A rule for online purchases A rule for emotional spending A decision-making template to determine whether I should buy something or not The goal is not to prohibit spending, it is to help me spend with intention.