Every time you purchase from your favourite clothing store, the assistant will automatically ask you "Would you be interested in saving money by opening a store card with us?"

Usually, the thought fills you with dread and the word "no" will be uttered, but when you're buying a million things and you're in a rush sometimes you may be tempted to say "yes".

Walk away from the store card! This little trap can have you paying for something for months after you purchased it and by January and February you will already have enough bills to pay for. Seriously think before you agree to anything.