Everyone loves a bargain! A word of caution, many bargains are not really bargains but just clever advertising. Some examples: “Buy this and receive a gift!” Cosmetic companies are really good at this one. “Purchase $55 or more on cosmetics and receive a free gift bag.” You really like their foundation for $39.50 and you find yourself looking for something else you might use just to get that cute gift. “It pays to stock up! Earn a $10 gift card every time you buy $50 in parti