All of the shops sell nothing but dungeon loot, they almost never sell unique items. In Oblivion, shops had unique items that gave you something that you could save up your money for. In Skyrim the shops reset daily and have no unique items, so you never have anything that you can save up your money for.
Horses are also fairly cheap, which means you don't have to save up for that extra fast, awesome horse.
There aren't many houses, and some are absurdly cheap considering their quality (like Breezehome and Vlindril Hall).
We don't have money sinks like Arena betting, or some sort of gambling minigame.
Overall, gold is semi-useless because there isn't enough ways to spend it.


'course, I also suggest saving your game frequently...
As I said, it can get very expensive, VERY quickly... **giggles**