Stupid decisions to avoid?

[usedtoplayCS]

Whenever I play a game that provides microtransactions, whether its directly the microtransactions or other aspects of the game many times I'll fall into a trap, where if I was a bit more conservative, I would've saved a few bucks in game or in my wallet IRL. Any regrets made early in the game? Things I might be able to avoid? Like holding onto certain charms while evolving your weapons, using excess keys to open boxes, buying things when you ran into them a few quests later? Is there a penalty fee for redistributing skill points?

[Menester]

Basically, everything that You need can be bought with in-game gold later on.