Before Black Friday: Where the 2009 Holiday Deals Are Right Now!

While you're online, check out the Web sites that track sales and specials at numerous stores. For example, blackfriday.info keeps track of pre-Black Friday and Black Friday sales ads. It also has over 27,000 coupon codes that you can use at online retailers right now.

Mellody's Top 3 Holiday Shopping Tips

Make a Budget and Stick to It: Sales should keep your costs down, not give you carte blanche to spend more. Go to the store with a list -- and stick to it.

No New Credit Cards!: Do not sign up for a store credit card for that 10 percent discount. More credit cards often turn into more debt.

Check for Tax Holidays: Check out tax holidays in your area and shop on those days. You can find out about them on the Web sites of your city or state.

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