The last weekend of every year is traditionally a busy one for retailers. Consumers take advantage of one last chance to get some great deals, and walk off all of those holiday meals, at the after-Christmas sales. But how can you be sure that you are really saving money?

1. Take advantage of discounts on apparel, sporting equipment, electronics etc. Stock up on these items now while they're on sale and you'll have a head start on gifts for next Christmas and birthdays throughout the next year.
2. Holiday items - lights, ornaments, wrapping paper, etc. - are going to be drastically reduced, so replace any items that broke this holiday season.
3. Goodies such as cookies in tins, pre-packaged ice cream toppings, and barbecue sets make nice gifts, but if you're purchasing them to give in the future, be sure to check the expiration date.
4. A lot of shoppers have been handling the merchandise on sale, so be sure to check for signs of wear and tear before you buy anything.
5. After-Christmas sales are often a "final sale." If there's a possibility that you may need to return an item, check the store's return and exchange policies before making a purchase.

Remember: if it's overpriced or damaged, even if it's on sale it's not a good deal!

Mike "The DebtBuster" Schiano is a nationally syndicated radio talk show host and book author. His show can be heard via the Web at www.inchargeradio.com. Send your personal finance questions to him at mike@askthedebtbuster.com<</a/>.

© 2008, Young Money Media, LLC. All rights reserved.

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