When someone talks to you about a product or service, after all the sugar coating has been removed, there is one, two-part question that lies at the core and that must be considered before making what they call in the sales industry an “impulse buy”. An impulse buy, is when something is so appealing at first that you do not even consider how it can benefit you in the future.  The question you must ask yourself is how can this product/service benefit me and can I afford it at this time.