The holiday season can be tough on your wallet. Here are some consumer protection tips to help you spend wisely and safely.
- Avoid impulse purchases.
- Have a plan and a budget and keep track of all purchases.
- Cash whenever you can. It is easier to spend when you use the credit when you pay cash.
- If you use credit, brush on the fees and charges on your card so that you know the real costs.
- Do you focus too much on discounts.
- Comparison shop. Just because something is labeled as a sale does not mean it is the best available price
- Read consumer reviews -. Both for retailers and for products
- Check your bank statements and credit card frequently. .
- Read the fine print on return and exchange policies
- Do unopened packages - especially electronics - if you know you are going to return the item .
- Keep receipts
- Avoid extended costly guarantees
- Beware of false Although gift cards now have some consumer protections, prepaid cards and card rechargeable debit "gift cards." - In particular those aimed at teens - can carry high fees.
- Check your credit cards to see if they offer added protection of consumers or guarantee boosters - if necessary, you can consider using for a big purchase.
- Watch shipping fees, which can add up. Many retailers offer free or reduced shipping prices
- When shopping online, only shop at secure sites. At checkout, look for the web page to have https: // (with an "s") instead of http :. // In the address
- Do not do business on public wi-fi lines, which are not secure. Avoid using your credit card or to bank when using public networks.
- Be careful of e-mail phishing. It is best to go directly to the seller or the banker site directly to check all offers.
- Question everything and consider negotiating. Ask if there are specials or hotels.
- Check special discounts, as for seniors, AAA members, AARP members
- Consider making your holiday gifts. Homemade gifts are more personal and can save money.
- Ask about the free boxes and packing free, which can save a bundle.
- Store packages or bags in your car trunk to prevent theft.
Naught pleasant and retailers
Consumer Reports issued its holiday season choice of the largest retailers naughty and nice. The list identifies 10 companies with the most favorable policies for consumers and naughty 10 companies that have hostile or suspicious consumption policies, such as sanctions, the Shorter return, high shipping costs, or expenses unusual. The article invites readers' comments, and dozens of commentators add their picks for the best and the worst consumer policies.
Additional Resources
12 errors money holiday to avoid
Holiday Shoppers: Beware of Bogus Gift Card
New Card Rules Gift Baskets Better Protect You
consumer protections the FTC
Shopping safely online - Better Business Bureau tips
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