Though some people may be struggling to pay pills amid a recession sparked by a global pandemic, it doesn't mean those in a stronger financial position (or not) won't be running up their credit cards and breaking their piggy banks -- whether online or at the mall. And, ironically, it's all in the name of scoring holiday deals.  Here's what many shoppers fail to realize: Sales are just ploys to get us to buy stuff we may not necessarily want or need.  We go into a store intending to buy or two things and end up coming out with well over five.  We set a maximum holiday budget, but end up blowing right through it as we aim to take advantage of as many "bargains" as we possibly can. Now, that's not to say we shouldn't seize a good deal for stuff that we use regularly. But if you know it's an item you'll stuff in a drawer or closet -- one you might not even remember you have in six months' time -- you should pass on it. Here are four valuable ho...

I don't know about you, but there's nothing more unpleasant than walking into a mall so overcrowded that you: Constantly bump into people Can't find anywhere to sit Are forced to stand in long lines And if the mall is that crowded, it usually means finding parking will be a huge headache, so the frustration begins even before one sets foot in the mall.  Granted, I live in South Florida, an area notorious for being heavily congested. Even if a crowded mall is the exception rather than the rule where you live, you've probably found yourself in a badly crowded venue at some point, whether a concert, nightclub, or theme park.  Making matters worse is having the urge to use the restroom and not being able to because it's out of service or there's a gaggle of people waiting to use it. Or, how about being so hungry you could eat a horse, but finding that the lines at the food court virtually snake around the building? Nothing spoils a good shopping...

Coupons. Discounts. Sales. We all love them. Anything that allows us to keep more money in our pocket can only be a good thing, right? Any signage at stores that says "buy one, get one free" or "50% off" can be so disarming. It's as if it gets our "spend money" sensors tingling. Ironically, coupons and deals compel us to spend money we would otherwise not shell out. Most consumers don't want to feel like they're missing out on a great bargain, so they're willing to purchase something they might not even need or be interested in. It's all psychological: we  care more about saving money than the actual product we're getting. "If I don't jump on this deal now, the price might go back up." Or so our thinking goes. Is it any wonder retailers have been so successful at driving shoppers to the checkout lines by imposing time windows? ("Hurry! This deal ends soon.") I work in and studied marketing and psy...