christmas shopping reminder

[glovesetc]

and I use that term loosely at best . Wait the retailers out and you will reap bargains galore . They have to move merchandise for the new year so there will be drastic savings . Do not use credit cards unless you will pay them in full as well . In paying cash always demand a 2-3% cash discount as well and most retailers will give it to you instead of having you walk ! Do not be afraid to haggle at Best Buy /Target/circuit city/ and even sears and deal only with the manager!!! Shop online as much as possible as well and avoid the sales tax and the online retailers are often cheaper then the mortar and bricks stores and always argue for FREE shipping !!!!! Be smart this year and do not bury yourself in debt !!!!! Your kids and friends will still love you and probably admire you as being frugal and a savvy shopper as well !!!!! Shop late , be smart , be savvy, be tough , and be merry !!!!!!