Don't assume that prices are always lower in catalogs or on television shopping channels, no matter what their ads claim. Know the store's return policies before you buy. Because sales help is often transient during the holiday season, and temporary employees may not be fully informed of store policies, ask the clerk to write the refund policy on the receipt. You'll need to hold onto the receipt anyway in case you want to return the gift. Avoid buying unnecessary warranties.
Many consumer products come with warranties, especially audio-video equipment and appliances.
It may be worth the price to buy a more expensive model if it comes with an excellent performance guarantee. And remember that some credit card companies double the length of the warranty on anything purchased with their card. But resist the pressure to buy an extended warranty or service contract, usually offered on electronics and appliances. They often duplicate the product's existing warranty and rarely are worth the extra cost. Keep records of all your purchases.