The holiday season is the most important time of the year for retailers. To lure the customer into the store, they will offer coupons and a free gift with purchase. Before you shop, go online the stores website to take advantage of coupons and special offers.

Be versed on the store policies. Many stores will honor competitors' coupons, or they will price match an advertised price. Some stores will even beat a competitors' price by 10 percent.

Retailers are not stocking as much inventory in their brick and mortar stores as they have in the past. If you find and item that you want buy it and wait. If the item goes on sale many stores will do price adjustments up to 14 days after the date of purchase. Just keep your receipt and take it in the day of the sale for the price adjustment.

It is important to stay organized. Keep your receipts in one place. This makes returns and exchanges hassle free.

Remember, the name of the game is to shop smart and save money. As you make your holiday purchases stay organized, stay focused and set a limit.

For now, happy shopping!

Laurie Dixon, TheBAG Lady