Whether you’re shopping by phone, mail
or online this holiday season, here are a few tips to help you shop wisely and
save a few bucks, too.
1.
Make a list and a budget.
Include incidentals, like cards, wrapping paper and eating out.
2.
Check out websites
that compare prices for items sold online, and at stores in your area.
3.
Be aware that shopping
apps can collect a lot of information, like your name, address, phone
number, email, and Social Security number. Look for apps that tell you what
they do with your data, and how they keep it secure.
4.
Check out product warranties.
Although not required by law, warranties come with most major purchases.
5.
Don’t give out
personal information for a chance to win the newest tech toy or a free gift
card. Your information can be sold or used to commit identity
theft.
6.
Look for rebates.
Some can be redeemed at checkout, but most require you to send documentation to
the manufacturer to get your rebate.
7.
When shopping
online, keep copies of your order number, the refund and return policies,
shipping costs and warranties.
8.
If money’s tight,
consider layaway. You typically make a deposit and pay over time; the
retailer holds the merchandise until you’ve paid for the item in full.
9.
Shipping to loved
ones overseas? Check the U.S. Postal Service’s calendar for shipping
deadlines.
10.
‘Tis the season to
be wary, especially of charities that don’t — or won’t — provide key
information in writing. Search the name of the organization online. Use the
words “complaints” or “scam.”
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