Tip #16
ENJOY your family and friends this Christmas!

Tip #15
LAST MINUTE GIFTS
This list proves that last-minute gifts can still be thoughtful and unique, from clever subscriptions to useful gift cards and everything in between (all of which can be e-mailed to the recipient just in time).

- A box from Fanchest filled with their favorite team's gear
- A Book of the Month subscription for bibliophiles who like to hold books in their hands
- A ClassPass gift card for the fitness enthusiast
- A Disney+ gift subscription
- An Amazon Prime membership to make life easier

Tip #14
Automated Teller Machine (ATM)
~ If you must use an ATM, choose one that is located inside a police station, mall, or well-lighted location. Withdraw only the amount of cash you need.
~ Protect your PIN by shielding the ATM keypad from anyone who is standing near you.
~ Do not throw your ATM receipt away at the ATM location.

Tip #13
GIFT CARDS are one quick way to get through your last-minute holiday shopping list. But before you give (and get) gift cards, here are a few things you need to know.
- Inspect gift cards before you buy. A gift card should have all its protective stickers in place. Report the card to the store if anything looks scratched off or damaged.
- When you buy, save the receipt. Keeping the gift card receipt can be helpful if you run into problems with the card.
- Treat gift cards like cash. Report a lost or stolen gift card to the card’s issuer immediately. Most card issuers have toll-free numbers you can find online to report a lost or stolen card. Depending on the card issuer, you may even be able to get some money back.
- Buy gift cards from sources you know and trust. Think twice about buying gift cards from online auction sites, to avoid buying fake or stolen cards.
- Read the gift card’s terms and conditions. Know the deal you’re getting with gift cards. For example, are there fees every time it gets used – or if it sits unused?

Tip #12
SMELL SOME LEMONS!
Barreling through throngs of mall shoppers on the hunt for a last-minute gift? Step up to the department store perfume counter, peruse the testers and dab on a lemony fragrance. According to researchers at Ohio State University, lemon scents instantly boost your mood.

Tip #11
Think twice before using your debit card for online purchases. When you pay with a credit card, your transaction will be protected by the Fair Credit Billing Act.

Tip #10
Store Presents in Locked Car Trunks
Breaking a car window to gain access to presents or other valuable items is a common occurrence in the parking lots of shopping malls. Many shoppers, focused on their own shopping missions, fail to notice suspicious characters just waiting for the right opportunity to break a window, reach in, grab packages, and be gone in else than a minute. When storing purchases in your car, lock them in the trunk where they will be hidden. If you notice someone watching you store the presents, consider getting into your car and driving to a new parking place – thieves are on the lookout for people who rush to store their purchases then rush to return to shopping, not the person just driving into a lot to begin shopping.

Tip #9
Be a little sneaky.
Just as you’re about to finalize an online purchase, cancel the order. If you’ve previously shopped the site, the merchant should have your e-mail address, and you may get a message within minutes touting a discount code. Or contact a site’s live-chat associate and ask for a discount. This simple action could save you about 15 percent off the price tag!

Tip #8
Know the truth about Black Friday and Cyber Monday
Chances are, you started hearing about “doorbuster” deals back in October. But studies have shown there isn’t a huge difference in markdowns between one-day promotions, such as Black Friday and Cyber Monday, and regular holiday sales.Footnote 2 Instead of focusing on event-style sales, look for deals every day.

Tip #7
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