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prada red handbag allow you to feel a whole lot better when you get back home and show everyone what you found during your shopping expedition.Audit your key expensesThe first question you need to ask is, can you really afford to shop? If you're in doubt, why not make time now to do an audit on some of your regular outgoings to see where you can save money and perhaps restructure your finances if necessary.You can do this by reassessing some of your key expenses and see whether there are cheaper options available. When it comes to insurances particularly car, health, travel and life insurance, use a comparison website to test your current provider. If it turns out you're paying too much, it's easy to switch and potentially save hundreds of dollars a year. This exercise can be the catalyst to put you back in control of your spending, before you even go near a shop.Spending with discretionWhile we're on the subject of spending, this is the time for honesty. Are you a habitual spender, or more of a safe and sound type? It's easy to identify your 'type' if you look at your spending habits over the last year and see what they may have cost you. Are your decisions to purchase largely spontaneous and has it lead you to live outside your means?As you approach the end of financial year it's a perfect time to draw up a budget, particularly if you've never done one before. And then importantly stick to it.Identify needs versus wantsThis all goes back to economics 101. Do you need that item or do you simply want it? Being caught up in a shopping frenzy with hundreds of other people in a confined space can often bring on our competitive nature.A good rule of thumb therefore is to ask yourself how often you can use the item over a year and calculate an average cost per wearuse. If your return on investment is not likely to be realised in the foreseeable future, the decision is easy.Use cash not creditThere's far greater attachment to parting with hard earned cash, than simply handing over a credit card. So once you've drawn up your list of needs in the sales, its time to set a limit and take that amount of cash only with you. Leave your credit card at home and you can't be tempted. Likewise