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1. When you don’t need it. It can be dirt cheap, but you’d still be wasting money to buy something that is not necessary.
2. If it will spoil before using it. That’s just money in the garbage— literally—even at a bargain price.
3. When the “sale price” isn’t really a sale. Sometimes, the “sale price” is actually the highest the item’s ever been sold for at this location.
4. When it’s part of a liquidation sale. Such sales tend to be riddled with rip-offs.
5. When you’re paying the BOGO price. This is sort of like #1 and #2 combined. If you only need one or cannot consume the second one, you may be paying extra for no reason.

It’s back-to-school season and you’re just about ready to zip that backpack closed before tossing that supply list into the trash. You’ve been shopping for weeks to get the right pencils and pens, binders and the dozens of other must-haves. This, of course, is in addition to the perfect school shoes and autumn wardrobe. But now you’re done, done, done! Your sanity and your budget are ready for a breather — at least until the holiday shopping season starts. 

There's lots of talk in the world of personal finance about how to best manage a savings account. You might read up on financial experts who recommend keeping three to six months' worth of living expenses in your savings account, or maybe you've seen a tip about socking away enough money to cover larger expenses. Either way, there's lots of discussion about the ideal amount of money to keep in a savings account.