Retailers put lots of useless trinkets in the checkout lane in hopes of having you pick up some impulse purchases. And if you don't bite, the cashier will be happy to point them out to you. Thwart them by sticking to your budget. Resist the urge to add a few $3 or $5 items to your tally. The cost will add up, especially if you carry the debt into the New Year. (Why pay $3 for a stocking stuffer when you can pay $25 in fees and interest?) Make your money decisions before you ever enter the store. That way, when you're bombarded with "buy, buy, buy" messages, you'll be ready to say, "no, no, no."