Category: Telephony

Holiday Shopping on a Budget: Tips from the Federal Trade Commission: Go online. Check out websites that compare prices. If you decide to buy from an online merchant, keep shipping costs and delivery time in mind.

Holiday Shopping on a Budget: Tips from the Federal Trade Commission: Consider layaway. Layaway purchase plans are designed for people who want to buy merchandise without using credit or paying the full price immediately. When you use layaway, you typically make a deposit

Holiday Shopping on a Budget: Tips from the Federal Trade Commission: Clip coupons. Coupons are useful when they save you money on what you re already planning to buy. Check coupons for any restrictions. For example, do expiration dates apply, or do you have to spend a certain amount before you can use the coupon? Some retailers will accept expired coupons, and even coupons from their competitors. Check with the retailer before you leave home to learn their policy.

Holiday Shopping on a Budget: Tips from the Federal Trade Commission: Carefully consider bargain offers that are based on purchases of additional merchandise. For example, Buy One, Get One Free or Free Gift with Purchase. If you don t really want or need the item, it s not a deal.

Holiday Shopping on a Budget: Tips from the Federal Trade Commission: Ask about refund and return policies. Many merchants may have different refund and return policies for sale items. For example, clearance merchandise may be on final sale, meaning no refunds or exchanges.