12. Keep the online shopping carts empty.
All it takes is a few clicks for your credit card company to call and tell you to "be easy." Online shopping seems to save you money, but these Internet merchants know exactly that they're doing. All you wanted was one strap back hat, but you can't use that 15% coupon code unless you spend a dollar more. There isn't anything on the site for just a dollar! So because your shopaholic self is so keen on getting a few dollars off one hat, you get two, spend nearly twice as much, and tack on the astronomical shipping charges to your order. Well played, dummy. Don't spend money at stores you can't physically shop in.