Every year, I offer a list of holiday shopping tips intended to help shoppers avoid overspending their budgets. Since the holiday season starts earlier and earlier each year, I’m moving up my tips post. According to the National Retail Federation, the holiday season actually started in October.

So, here are my 2014 shopping tips as a checklist [Click the list to see a larger version.]:
 
 2014 Shopping Tips
 

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