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I know it's exciting to get an item on sale. But if you're buying for the discounts and not because it's something you need or want—either for yourself or for a gift—you're going about things the wrong way.

Think of it this way: Saving 30 percent is great, but if you didn't buy at all, you'd be saving 100 percent, which is even better. Before you're at the register, ask yourself if you'd still be swiping your card if the item were full price, or if the sale price was, in fact, the full price. You'd be surprised how your brain works when facing temptations. If you take a moment to reconsider, you may find that you wouldn't buy that DVD boxed set without the sale sign, no matter what the price tag says.
Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.

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