1. Check the store's return policy before you shop
a. Go online to the store's website to find the information you need.
i. Look for the "customer service" tab or "help" tab either at the top or bottom of the main page.
ii. At the store, you may need to show your credit card. Stores like Target track returns via your driver's license, or other "government-issued photo ID," and will require it at time of return.
iii. If you made a purchase on a credit card, have that card handy, as well.
b. Invest in the store's credit card for better returns
i. If you return a purchase made with the store card, often you won't need a receipt to make the return.
ii. Purchases made with your Macy's card, Kohl's card and Target Red Card all qualify
iii. Extra bonus with the Target card – you'll receive an extra 30 days to make returns of purchases made with your Red Card.
2. Look for stores that offer layaway
a. How layaway works:
i. Start off by making a down payment, usually 10 to 20% of the purchase price.
ii. Stop by the store and make installment payments
iii. Make your final payment, and pick up your loot!
iv. If you can't complete the purchase, you will get your money back… minus a restocking fee.
b. What's the benefit?
i. Insures you won't over spend, like you would using a credit card
ii. Great for people without credit cards or want to cut down on credit spending
c. Stores still offering layaway:
i. Toys R Us, Babies R Us, and Walmart
3. Don't forget about the other two big shopping days
a. Small Business Saturday
i. Shop at the independent, locally-owned stores on Saturday, and keep your money in your community.
b. Cyber Monday
i. There's an app for that: Price Blink.com. Okay… technically it's browser add-on.
ii. Free download that scans the Internet for deals while you shop online.
iii. Find it here: http://www.priceblink.com/webcpns/browser-add-on/