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How to be a smart shopper even with the holiday deals

Stores are already pushing their "holiday" sales and bargains.
But holiday shopping can leave many people in a bind even with all the "deals".
   
Consumer Watch groups advise you to ditch the credit card and stick to cash on hand.
   
It requires a more disciplined approach - and a budget.
They say if a large purchase **is** going on a credit card, make a smart choice by using a rewards card that will earn points, miles or cash back.
   
And resist being tempted by those deals that promise instant savings by opening a store credit card.
They tend to have higher interest rates.