Holiday Shopping Tips
The holidays are a time to be especially mindful of ways your purchases can cost you more than
you expect. Here are a few tips to ensure that you get the most for your money and the most out
of your holiday:
• Before you head out to get the latest toy or gadgets, make a list. Know what you’ve
already purchased and who you still need to find gifts for. And share your purchases with
anyone else responsible for buying gifts in your family. This way, you’re less likely to
purchase duplicate gifts or purchase an item for someone you’ve already gotten a gift for.
• When shopping online, it’s wise to pay with a credit card instead of a debit card if
possible. Both allow you to dispute a charge if the merchandise never arrives or is
different from what was ordered. However, with a debit card, the price will have already
been deducted from your bank account and it will take time to get your money back.
• When ordering online, look to ensure that your browser has a secure connection. In the
address bar, a padlock should appear if your browsing session is secure.
• Some credit card providers offer one-time card numbers to be used for online transactions
to further protect your financial information. Contact your account holder to see if they
offer such a service.
• Don’t forget, when shopping online, there are often additional costs, such as shipping and
handling fees. Be sure to include additional charges when comparing prices across
websites.
• Some retailers may offer layaway plans or other payment plans so you can pay for that
must-have holiday gift over time or at a later time. Before you agree to such a plan, be
sure to ask whether the retailer charges fees to use its payment programs and whether the
payments and fees are refundable if a purchase is cancelled.
• Keep your personal information safe. Never provide your credit card, bank account
information or Social Security number to a stranger. No reputable vendor or service
provider will ever initiate a call and ask you for this information over the phone.
• Keep your receipts! And be sure you understand a retailer’s return and refund policies so
you can return any unwanted items in a timely manner and get a full refund.
3
(60 pages)
Manymanuals.com
Manymanuals.de
Manymanuals.fr
Manymanuals.it
Manymanuals.pl
Manymanuals.cz
Manymanuals.es
Manymanuals-pt.com
Comments to this Manuals