Struggling to save money? That's because you're probably spending it. After all, if you want to increase your savings, just stop buying things you don't really need. But in this day and age, that advice is too simple and vague when learning how to spend money wisely.

And it's extra difficult when you're the type of person who subscribes to the idea of retail therapy as a way of life. Good news: you can continue doing that without totally draining your savings. Just follow these concrete steps to get started with your guilt-free shopping.