Returns aren't always free. Some stores charge a restocking fee—often a percentage of the purchase price—to process a return. Others make you pay for return shipping. These costs can turn a $25 tee into a $35 mistake if you're not careful.

Ask yourself: How much will it actually cost me if I need to return this? If the store charges a restocking fee and doesn't offer free return shipping, that's a hidden cost. A good policy will state these fees upfront.

Also, think about the timeline. If you're buying a shirt for a specific event, will you have time to return and reorder if something goes wrong? Usually, you'll need to act within 30 days, but some stores give you less. Don't assume—check.