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With the holidays approaching and budgets tight, its an excellent time to find new ways tosave money.

Also see100 ways to become a savvier shopper and save money all year.

There isnt much time for bargain shopping when Christmas is only a few weeks or days away.

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Dont allow the holidays to strain your budget further.

Determine how much you’re free to reasonably afford to spend.

Then, make your gift list based on your budget.

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You may find a more extensive selection now than if you were to wait until closer to Christmas.

Some stores may offer extra incentives for loyalty members leading up to the holidays.

Read up on retailers return policies too.

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Also, see if your credit card offers price protection.

If its acash-back credit cardthat rewards you for your holiday shopping, even better.

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