It can be really tempting. Prices are so low right before the holidays-and certainly after-that you just want to 'stock up' on things because you may need them later. If you've ever gone to the mall with a short list of things you want to buy but came home with tons of bags, not because you wanted to buy stuff to feel good, but because you couldn't resist the bargains, you know exactly what I mean. And it isn't just the mall. Ever go to Wal-Mart the day after Christmas and walk through the aisles of gift baskets, chocolates, and other holiday items that are all marked down to 50%? Enough said.