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Use these tips to get the most bang for your buck or gift card during the post-holiday sales season.

Returns

Insure access to the largest selection and discounts of products similar to yours by making returns and exchanges as soon as possible. Even if you want to keep an item check to see if it has been markdown, and ask the store to apply the sale price to it. Ask for a store credit if you can't find a suitable exchange for your gift.

Gift Cards

Immediately read the fine print on your gift cards. It is not uncommon for the value of a gift card to decrease in value over time. Call the customer service number on the back of the card for a full explanation of any stipulations for using the cards. Ask merchants before you shop or dine if they accept bank gift cards. Keep gift cards in your wallet, so they'll be handy when you can use them.

HolidayProducts

Get the best savings on holiday decorations, paper, and other specialty items like holiday-themed paper products, the morning after the holiday. Look for discounts on beverages, candy, and snack foods that have holiday packaging. Greeting cards, picture frames, and other similar seasonal products may also be on sale.

Store Closures

Look for going out of business sales. Many large and small retailers make the decision to close their doors after the holidays and before the end of the year. Inventory may be scarce and sales final, but steep markdowns make store closing sales worth checking out. Some stores even sell their fixtures and other office accessories like chairs and desks.

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