Interestingly, we spend our money for a variety of reasons. It can be a gift for our loved ones, a get-together meal with family members, a round of drinks with closed friends or an item to pamper ourselves/make our lives better.

Whatever the reasons, there is always a time to spend. If spending adds value to us, then the cost of returns back, as perceived by us, will be worth the investment. However, if spending has always been a hasty decision or if you are a total spending freak, then you may want to evaluate the reasons behind it. To do this, take into the shoes of the Retailers.

So before we take out a wad of dollar bills, ask yourself - what has Retailers done to us? There are a number of gimmicks, promotions and packages to win your consumer dollar. They could financially rob your wealth if you ......