Most often, when we are given a bonus, a raise or are fortunate to have surplus in our hands, we tend to spend it on what we have already desired to have. Surfing online shopping sites or window shopping or scanning magazines for deals has become a favorite pastime and entertainment for us. In doing so, we automatically build up a repertoire of wants and desires which we try to fulfil in the seasons we have excess or surplus. Nothing wrong in doing so when you have a planned budget to catch deals during, say a festival season; but doing it as an obsessive impulse is quite detrimental to our financial well being.