Sniff out the best deals in advance of Black Friday, the craziest shopping day of the year! It helps to know from the get-go that retailers want you to know about their top deals NOW. So take advantage: plan out your Black Friday shopping strategy ... by going online.

Black Friday ads are all over the Internet, with most major chains' best deals now freely available for viewing with a quick search. Target's plan to offer doorbusters of $3 toasters and coffee machines, for example, has attracted tons of buzz on the Web. Sites devoted to Black Friday deals are gold mines of information. Black Friday Ads and Black Friday.info, for example, are good places to start.

The word this year is that prices will be rock bottom as retailers fight to win customers. On the other hand, it's also being reported that store inventories will be relatively low, too. That's because retailers are being cautious in the face of consumer spending cutbacks. The bottom line? Be in early to get those must-have items.

You shop the sales. You've already reduced your holiday spending budget. But let's face it: the holidays are still going to cost you. Really smart budgeters contribute small amounts all year round to holiday savings accounts. For the rest of us, it's not too late! Here are some last minute ways to put money aside for holiday gifts.

1. Open a holiday account. No, it's not too late. Do you have any free funds sitting in your checking account? If so, transfer them immediately to your holiday fund. It's a start.

2. Cut the lattes. Yes, it's annoying when budgeting experts keep reminding us not to fritter money away on expensive little luxuries. If you like to indulge in little treats for yourself, however, now's the time to go cold turkey. Not forever. Just for the next few weeks, and put that money aside. It will add up over the next few weeks.

Say goodbye to crumpled Post-its in your purse. Say hello to streamlined grocery shopping: try one (or more) of these free grocery list templates and printables. They'll help you to help yourself keep track of your purchases. We all need a little organizational help sometimes, right?

Grocery Wiz is a fun way to plan your shopping and a wonderful way to waste time get organized. Click on a category, such as "Frozen Foods" or "Cleaning Supplies" and you can check off the items you need and add notes. Best of all, the site automatically matches items with available coupons!

Laura, aka The Organizing Junkie, shares her shopping template with the world. It's my top pick: lots of white space means more room for scribbling. While you're there, check out Laura's other links and additional downloads, including a menu planner and family travel checklist templates.

I'm being literal here --- I once vowed to grocery shop only at the 99cent store in Los Angeles for an entire month. Although I filled up on quite a few Teddy Grahams, generic Goldfish crackers and granola bars, I found that it wasn't as hard as I thought it would be to put together a few nutritious meals every now and then. And after stumbling upon this video, I've learned even more tips to use! Want to see for yourself (of course you do!)?:



A few key tips to keep in mind!:
1. Always check expiration dates. Dollar-store items sometimes have a short shelf life.
2. Keep your pantry stocked with staples that are not always available in dollar stores, like butter.
3. The five best dollar-store buys are cleaning supplies, gift wrap, snacks, shampoo, and kitchen accessories.

That's it! You'll be a dollar store shopping pro in no time!

I invested in my first Costco membership two years ago, despite my reluctance to do so. I'm a firm believer that living simply is the way to go, and shopping at a mega-warehouse such as Costco just seemed to contradict my "Simplify!" mission statement. After all, there's nothing simple about 200 rolls of toilet paper in a 900 square foot apartment.

Yet I was pleasantly surprised when my grocery bill was cut in half at the end of the year. It turns out that by following a few key rules of bulk shopping, you really can save in a huge way. Here are the ground rules I stick to --- whether I like it or not:

1. Only purchase items that you regularly buy. My mother always told me "It's not a sale if you don't need it," which I realize now as an adult, is the truth. Start out buying household items that you use often, such as toilet paper, hand soap, trash bags, paper towels and shampoo/conditioner.

2. Only purchase items that you have room to buy. My first Costco trip was an incredible waste, as I found myself handing out boxes of minute rice, bottles of ketchup and packages of TV dinners after realizing my kitchen cabinets couldn't sustain the sheer amount of food I had brought home. So if you don't want to hand out mustard to your Trick-or-Treat'ers this year, be sure to follow this important rule.

3. Only purchase items that you won't eat in bulk. The truth of the matter is that if it's in your home, you'll eat it. If you're trying to cut back on your portion sizes, bulk food shopping may not be for you. The temptation is to finish off the remaining food in your home, and no one needs a triple-super-sized pack of Oreos. If you find that bulk shopping is truly cheaper for your family, try storing the excess food in a separate area of the home or a less-visited pantry. Keep it out of immediate reach, but in a consistent place so that you won't forget you've already purchased it!

And of course, the golden rule? If you find yourself throwing away a regular-sized item, don't ever purchase this in bulk. Seems like a no-brainer, but you'd be surprised how often I've toted home fresh blueberries and promised myself I'd eat them all...

The problem with big box hardware stores like Lowe's and The Home Depot is that (outside of their garden centers) they are still catering to tradesmen when half their customers are actually women. Tired and grumpy women.

Each time I shop at either one (and, no, I have no preference), I leave asking myself: why can't these hardware behemoths be more like Target, Walmart, or similar mega-stores, where shopping is fun ... or at least easier. How so, you ask? Read on! Here's my list of requests for Lowe's and Home Depot execs:

1. Bring in door greeters and maps so we customers don't waste time walking (and walking and walking) up and down the aisles searching for that certain essential dood-ad or trying to locate the bathrooms. Would it be so hard to install mall-style store directory kiosks, stocked with printed store layout leaflets?

It seems that when I look at our budget, the greater portion of our expenses seem to be spent on food. Yes, we are self-proclaimed Foodies, so we tend to splurge on good things to eat. The good news is that there are ways to save money in the kitchen; your love of food doesn't have to break the bank.

1. Make a weekly menu and shop accordingly: Creative meal planning wastes less. You'll be less apt to buy things that aren't on your grocery list, and you'll have everything you need for the week's meals, thereby saving gas on fewer trips to the grocery store.

2. Use extra foods to make soups or stews: It's OK to buy that jumbo bag of broccoli florets. After you use what you need in Tuesday's stir-fry, throw the rest into a pot with onions, broth, some dried beans, and some seasonings. The result will be a healthy soup that you can freeze for lunches later. Some of my favorite meals have been the clean-out-the-refrigerator-stews!

Grab your hip, new reusable shopping tote and let's grab some groceries. But, wait! First, check out the Reader's Digest 10 tips for smart food shopping. It's a quick and easy-to-read guide for staying on track once you step inside the store. Stay on track how? Answer: in every way -- in terms of your budget and your health goals.

Here are my three faves -- all ideas that have worked for me lately:
1. Limit your trips. I try to pick up extra bread and milk when I shop so as to avoid extra runs to the store. The less I go to the supermarket, the less I spend each month.
2. Avoid shopping on an empty stomach. An oldie but a goodie. This is probably the best shopping advice out there!
3. Follow the walls. The less processed stuff you buy, the less money you'll spend and the healthier you'll be eating. Try it. This tip really works!

Enjoy these ideas? Check out Francesca's tips on how to be a grocery super shopper!

I'm simply giddy that sandal season is upon us. If you've made your feet pretty with our home spa pedicure, then you are ready to try your hand at making your own sandals.

If Anna's recycled tire sandals aren't your thing, you might like to order this Make Your Own Sandals Kit. They are customizable and very stylish. The assembly instructions are clear and easy to follow, and you can purchase fun add-ons like charms and other embellishments.

The drawback? At 39.95 for a basic sandal kit, you could just go out and buy a pair of already-made sandals. But if you are a die-hard DIYer, this is an easy way to say, "I made these shoes."

I am wondering if you could use an old pair of shoe soles, buy new leather strapping, and fashion yourself a similar pair of sandals for less -- recycling old shoes, to boot. It would be better for the planet and your wallet!

Within the last year Friskies dry cat food switched from a paper bag with a plastic liner to a type of woven plastic for their big bags of product. The paper bags my cats could chew through, but these new bags are nearly impossible to tear. Without a use in mind I began to tuck them away once they were emptied.

My girlfriend suggested that we start to bring our own bags to the grocery store recently. So we started to collect the canvas totes and conference bags that we had around to keep in the car for our next trip to the store. But none were very large and the pile was bulky and quite mismatched in size and style. Then I realized that the cat food bags could work well for our trips to the store.

If you have cats and shop at warehouse stores or a store that charges for bags these giant sacks might work well for you. Of course, it may take a while to collect enough bags to hold all of your groceries. We just found out that our grocery store gives you a two cent credit for each bag of your own that you use.

We all find ourselves at the hands of the "experts" a retail stores. We are at worst forced to endure smarmy, overconfident, condescending know it alls whose only joy in life seems to be doling out tid bits of information a little at a time, always withholding that last piece of vital information that would stop you from, say,flooding the house or formatting the hard drive.

At best we find can someone willing to help, provided we don't come off as too aggressive, belligerent, or just plain rude in a futile attempt to get a preemptive strike in in case they happened to be one of the "bad" experts.

Here are a few tips to help make sure that the expert you encounter will be forth coming and helpful to you:

Quality antiques are beautiful and add a unique flavor to the home. However, I learned a thing or two on the subject when I used to write a regular column on the antiques market in Savannah, Georgia. Most of all, I learned that dealers, antique malls, and private sellers abound, and their prices can vary wildly. Don't shell out big bucks for antique furniture until you've learned the basics. Here are five top tips to guide you in your search:

1. Carefully examine the finish. Does the finish look very old (at least one hundred years old) or has the piece been refinished? This could be the case if it the finish is particularly smooth and clean. Newer knobs or drawer pulls are another giveaway indicator of refinishing. This can be detected by searching for indentations on the outside of drawers or cabinets, or by identifying disused screw holes on the inside.

A refinished piece is less valuable, so be aware that this should be reflected in the sale price. A truly old, unfinished piece will be somewhat worn-looking, and you can also expect to see a buildup of wax or oil, and dust or grime in the wood's crevices.

I took a negotiations class a couple of years ago. I really rocked it. Seriously, I was amazing. I had people giving up their land and walking away winners. Does this make me a master haggler? Not at all. While I was great in class I just can't seem to translate those skills to the outside world. I don't think I'm unique in this struggle. Most people are pretty comfortable in a setting designed for negotiation but freeze up when things are unstructured.

How to haggle, offers 12 steps to effective haggling. These aren't your typical negotiation tips, but truly applicable pointers designed to get you through an unstructured haggle successfully. The first tip is to stop caring what people think of you. I think that getting over this alone is half the challenge for many of us.

There are dozens of ways you can save money and protect your budget while gift shopping. This is especially important during holiday time because most people will be spending money in amounts above their normal budget and they'll be spending that money in places they might not normally shop. It's the responsibility of each of us to be our own smart shopper. With some assistance from Consumer Action, I have brought you this list of suggestions for saving and protecting your money during the holiday shopping season.

Saving money always matters, but this is the season where a little savings at the grocery store can leave room in the budget for a few extra Christmas gifts, it's that much more important. It seems like our local newspaper has tripled in width to accommodate all the holiday flyers, and digging through to find the grocery coupons can leave your head spinning.

A sale doesn't always mean savings. You'll head to one store because of a deal on meat, but if that store regularly has higher prices on bread and cheese, which you'll grab while you're there, you might not be saving on your total purchase.

The Grocery Guide will take all the stress out of shopping and point you to your highest savings. Simply put in your zip code and they have the prices from your local stores. They track flyers and coupons, offering the biggest savings and saving you the trouble of finding the best deal for your shopping list. Compare your options, search for coupons and print recipes.

The Grocery Guide includes hundreds of stores across the country. They are missing some of the smaller neighborhood stores, but those aren't usually your most economical choices anyway. Don't spend your holidays walking up and down the grocery store aisle comparing prices, do a little search at home then head out with a plan.

[via: Lifehacker]