Any impulse buys you make on credit today could end up draining your bank account of much-needed funds, so save the shopping until you're feeling more flush and can pay with cash. It's wise to take your time in any buying situation: after all, what's the big rush? Make sure that you've done all your research before making any purchase, especially when it comes to big-ticket items like automobiles, computers or television sets. A new gadget can be seductive but not worth its price.