Summarize the following text:

We spend money for different reasons. We buy foods, clothes or everyday essentials, pay for different services, entertain people, travel to places, help others in need or invest in business and thus spend money every day. In fact, spending is a part of our life. Spending may make us happy or unhappy depending on how and why we spend. When we spend money on things that we need and within our limit, it is good. When it becomes a compulsive behaviour, it makes life stressful. Unnecessary spending or spending beyond one's means has some bad effects. For one thing, it may lead to financial ruin or debt, and for another, it may create unhappiness within families. People who overspend are never satisfied with what they have. They always rush for brands, fashion items, designer clothes etc. Over a period of time it becomes an addiction which may eventually create psychological problems. Nowadays consumer items are displayed in stores or in advertisements in ways that they create a feeling of immediate need for them. We are constantly tempted to buy, use or consume things even when we do not have a genuine need. We all need to be careful here. Salespersons often encourage customers to buy things by flattering them. This is a perfect match for you", they would say, or "You look so stunning in that dress'. Never forget, they say the same thing to most of their customers. It is better not to be persuaded by such words. They use these words to please the customers as the more a customer buys, the higher the profit is.