grade because credit is important. you don't want to mess that up because of the holiday shopping. >> what about social media? how do you use social media to get a better deal? >> everybody is on facebook, twitter, et cetera. if you follow your favorite retailer, say, on twitter or like their facebook page, often get you extra discounts, bonuses, coupons, special savings, and alert you via text or e-mail. so getting social with your favorite retailer is a way to save money as well. >> what about buyer's remorse? the good news, you live in a world to return things but sometimes, i buy something and it's exciting to buy at the time. >> and maybe i shouldn't have. or the bill comes. well, i tell everybody, make sure you know the returns policy. especially during the holiday shopping weekend. some places will have flash sales and there may not be things that are returnable, so is it a seven-day return policy or what is it? you need to know because if you get a case of buyer's remorse,