Find great holiday deals.
If there's a silver lining to this economy, it's that retailers are going to be scrambling to get consumers in stores this holiday season, and that means bigger deals than ever before. "Retailers are already being aggressive with price cuts, and we've been seeing sales for the last couple of weeks. They will continue throughout the season," says Kathy Grannis, spokeswoman for the National Retail Federation. Here are some of the best tips for taking advantage:

Give clothing and electronics.
Apparel stores tend to use a large markup, which means it's easier for them to slash prices if need be.

Don't kill yourself on Black Friday.
Trust me, it's not worth it. This year, Black Friday isn't just a day, it's a season. About 40 percent of consumers started their shopping before Halloween.

Take advantage of electronics sales.
"When retailers are struggling, they concentrate on getting people in the door. There are two ways to do that: either an amazing new product or a sale. This year, there's no huge new product, so they'll have to drop prices," says Dan de Grandpre, CEO of