Shoppers have had some time to cool off from the Black Friday and Cyber Monday rush, but the Christmas retail blitz is far from over. Some of the biggest spending will happen in the week leading up to Christmas, and budgets are only getting tighter. If you don't trust yourself with a high-limit credit card, consider getting a reloadable prepaid debit card from your local retailer to keep yourself on track.

Doing little things like research, downloading apps or browser extensions, and signing up for store email lists can go a long way in getting the best bang for your hard-earned bucks. Haggling, believe it or not, saved shoppers an average $82 from flexible instore and online retailers.

Just because Black Friday and Cyber Monday have passed doesn't mean the deals are gone. In some cases, you might even get a better deal with just a little effort.

Holiday Bargains