smart spending

Save money online on Cyber Monday

Get organized with a spreadsheet
Get organized with a spreadsheet

Make a list and, yes, check it twice. Create a list or spreadsheet with the names of the recipients, gift ideas and addresses. By staying organized, you'll avoid accidentally buying three gifts for your colleague and none for your sister. If you have all the addresses in front of you, you also can take advantage of Cyber Monday's myriad free shipping deals to save money, says Andrea Woroch, a consumer money expert.

"Search for free shipping codes and send your gift directly to the recipients," she says. "You'll save money by shipping the present just once, and you can avoid costly baggage fees if you might otherwise pack them in your luggage on a flight."

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