Last minute shopping: Finding deals and avoiding debt

Posted at 12:31 PM, Dec 16, 2019

A mid-season report on holiday shopping suggests it's even better than predicted, but retailers are still dishing out deals for last minute shoppers.

"Because it's a shorter shopping season, that means retailers are clamoring for shoppers' business and every single day counts," says's Sara Skirboll. "You don't see a deal today, make sure to check back tomorrow"

Skirboll also has another little trick you can try to save even more.

"Shop around. Put things in your cart and leave your website. If you are actually logged in, I can almost guarantee you'll get an email in your inbox saying, 'We saw you abandoning your cart, here is a 10 percent off code on us,'" she says.

But buying online usually requires using your credit card, which investment experts warn can be over-used.

"Don't think about your credit card as an unlimited bottomless piggy bank, think of your credit cards as your means to do your shopping but make sure you stay within your budget," says Caleb Silver of Investopedia.

Credit card reward points, though, can come in handy while holiday shopping.

"To leverage my credit card points that I've accumulated over the year to redeem them now for things like gifts and gift cards and even Apple products," says Farnoosh Torabi, personal finance expert.

Speaking of cards, gift cards are still the gift of choice among so many shoppers this holiday season.