If you have kids, leave them at home. If you've ever been out shopping with a child, you know why. Not only will your kids want anything and everything for themselves, but they'll also try to convince you your home really needs a new laptop or the family room's TV needs an update.

"What we've learned from exploring kids is that they have certain techniques that they use to persuade you to buy more," Lindstrom explains.

I don't know about you, but I know several of these techniques all too well. You're better off saving your shopping for when your kids are at school or playing with friends.

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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