How many times have you stumbled across a massive clearance or enticing sale at your favorite store right around the time when you ran out of money until the next payday? If you are like most people, chances are when this occurs your first instinct might be to grab your credit card and start charging.  After all, you don’t want to miss the deals the store is offering.  80% off on clothing? Who in their right mind would pass up a deal like that?

If you don’t have the money in your wallet or in your bank account then you should be the type of person to pass on a deal like this.  It doesn’t matter if you’re favorite brand of jeans winds up on the clearance rack and the store wants to eliminate the stock pronto.  If you’re trying to get your finances in order and get out of debt then you need to avoid situations where you whip out your credit card.