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RobertLumley comments on Useful maxims - Less Wrong
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Related to your original maxim: If you want to buy something, always spend at least five minutes, by the clock, thinking about whether the you of three hours from now, three days from now, and three years from now will be glad of your purchase.
This is a maxim that I only just now formalized, but it's something that, in principle, I always try to do.
I like the thought, but unless you have a serious problem with impulse buys I would limit it to purchases that are at least moderately expensive.
Yeah, it pretty obviously shouldn't be applied to things worth less than 1/12th X, where X is how much you value an hour of your time.