Your first and best defense against any scam is a skeptical and critical mind. Never be too afraid to ask questions or to walk away from a deal that doesn’t feel right.

Don’t get strong-armed by high-pressure sales tactics! If a merchant is demanding an immediate decision, it may be because the deal they are offering is one you would reject if given enough time to consider it thoughtfully.

For big purchases, remember to shop around. It always pays to be a discerning consumer; when merchants compete for your business, the payoff is usually lower prices and simpler terms.

Don’t assume that just because you’re paying an agent or representative for their services that they have your best interest in mind. People whose salaries are based on commission may make more money by convincing you to overpay.

Common sense is your best friend: If a deal just looks too good to be true, it probably is. Don’t be afraid to pass up a seemingly great deal if the terms are too confusing for you to know what you’re buying.