The gift-giving season is in full swing. Here are some tips to help you shop wisely and protect your personal and financial information at the same time.

• Make a list and a budget. Remember incidentals, like cards and wrapping paper. Your local dollar store is a great place for these types of items too!
• Check out websites that compare prices for things sold online, and at stores in your area. It can help you get the best deal.
• Make sure the scanned price is right. Overcharges cost you money and time, especially if you don’t notice them right away.
• Look for rebates. Some can be redeemed at checkout, but most require you to send documentation to the manufacturer to get your rebate. Either way, you’ll be getting money back on your purchases.
• Read reviews and recommendations to see how the product performs — or people’s experience with an online seller. But remember to consider the source.
• Be aware that shopping apps can collect a lot of personal information. Look for apps that tell you what they do with your data, and how they keep it secure.
• Check the terms of the deal when buying online — including delivery dates and refund policies. Will it arrive in time? And, if it’s not what you thought, can you send it back?
• Save receipts. When you’re shopping online – keep copies of your order number, the refund and return policies, shipping costs and warranties.
• Giving bling? Take some time to learn the terms used in the jewelry industry so you can get the best quality and value.
• Shipping to loved ones overseas? Check the US Postal Service’s calendar for holiday shipping deadlines.
• Have packages delivered to a secure location. If you won’t be home, have them delivered to work, or see if a neighbor can be on the lookout for deliveries. Consider requiring a signature for delivery — or look for options to pick up your shipment at a local store or mailing center.

Happy Holiday Shopping!

Article Source: Colleen Tressler for the FTC