Impulsive spending can be fun. But done too frequently or carelessly, it could damage your family’s finances.

Five in six Americans admit to having made an impulsive purchase, according to a poll conducted by Princeton Survey Research Associates International for in 2017 — with millennials as the biggest offenders.

An impulsive purchase is unplanned and unnecessary. It’s no surprise that young adults are twice as likely to do it: Nearly all millennials (91%) admit to impulse spending, whereas one in five senior citizens say they've never made such a purchase.

No matter what you’re about to buy, think before you act. Go have a cup of coffee, take a walk or engage in some other activity as you consider the pros and cons — whether you really need the item, whether you can afford it and how you might feel about it a few days later. Consider what your spouse might think.

If you make the purchase and later suffer buyer’s remorse, remember that some credit card issuers offer guaranteed returns — even after it’s too late to return an item to the store. Rules vary; if in doubt, call your card issuer’s customer service number.