The holiday season is here – and that means so is the busiest shopping time of the year.  While you can find all kinds of great deals on Black Friday and Cyber Monday the chaos can be overwhelming and stressful. But whether you’re heading out to the stores or shopping online from the comfort of your home, there are things you can do to find the best deals and keep from overspending or making impulse purchases.

Set a Budget. It’s easy to get caught up in all the fabulous deals you find out there.  But just because something is on sale, it doesn’t mean you should buy it. Make a list of the items you plan to buy and then put a limit on how much you can spend for each item. Setting a budget – and of course sticking to it – will help you not overspend or purchase items you may not need just because they are on sale. You’ll be happy you did after the holidays! Bonus Tip: When shopping online, make sure to take shipping fees into account and include them in your budget!

Scope Things out Ahead of time. Companies are already advertising Black Friday and Cyber Monday Sales.  Start scoping out the items you want now and make a plan.  Find out who has what you’re looking for and at the best price. We all know how it feels to buy something at one place – only to see it somewhere else for a lower price. Just because you see an item advertised at what looks to be a great deal, doesn’t mean it’s not available somewhere else for a lower price.  Compare prices of items at different retailers to ensure you’re getting the best deal around.

Know Store Return and Exchange Policies. Before you hit that “buy” button or fork over your cash, make sure you are aware of the retailer’s return and exchange policy. While some companies do offer extended return windows during the holidays, many companies can enforce stricter return policies and lots of times deeply discounted purchases can also mean it’s not returnable. Be on the lookout for “final sale” or restocking fees for larger items.  Make sure to ask for gift receipts when purchasing items for others and include it with the gift.  Make sure to read the fine print and if you’re not sure what the store policy is, be sure to ask before you buy!

Take Advantage of Loyalty Programs. Most retailers these days have some sort of loyalty membership program. These programs often give members early access to sales and additional coupons – and you can earn rewards on your purchases!  It’s a win-win. Once you’ve scoped out what you want and where you can find the best deal, sign up for the store’s loyalty program. Lots of times you can even save on shipping fees!

And Finally – Start Early! Lots of stores are already advertising great deals.  You don’t have to wait for Black Friday or Cyber Monday to snatch up the savings.  If you see a good deal – grab it.