Let's get the discussion started. It's that time of year for holiday shopping. To get the most out of your holiday dollars$$$, you need a plan. Make a list of everything you need for the holidays, such as gifts, decorations, travel, entertainment and more. Based on your list, set a spending plan to keep your spending focused and on track. Shop around for deals online, in the mall and by mail. Compare prices, use coupons, and look for price-matching offers. Before buying, read and understand refund and return policies and warranties, and be sure to read the fine print. Give gift receipts so everyone will have happy returns.