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9. If you're on the fence, just buy it already.
It's easy to want all of the things at these stores, but if you're truly on the fence but think you want an item, just buy it — right then and there. The whole "I'll think about it for a day or two" approach doesn't work at T.J. Maxx/HomeGoods since the inventory turns over so fast. Even if you decide to come back in an hour the item could be gone, so do yourself a favor and purchase it on the spot and then take that time to decide if you're going to return it instead.