Find the spending rule that fits your actual behavior.
Test supported spending rules against your history and look for the strongest balance between preventing regretted spending and preserving purchases you actually value.
Stop guessing which spending rule to follow.
Compare supported rules against your own history and start with the one that performs best on the spending behavior you actually have.
Catch regret without unnecessarily killing the fun.
See whether a rule can catch more of the purchases you regret while leaving more of the spending you value untouched.