Are visions of sugar plums dancing in your head? Maybe you’re not there yet, but it’s never too early to start budgeting for the holiday season. According to the National Retail Federation American’s will spend and average of $737.95 on gifts, dÑ?дâ?cor, greeting cards and more this holiday season. Saving money during the holidays seems like an impossible feat but it can be done with the right holiday shopping strategy.
At UseMyBenefits our mission is to help you save money by taking control of the benefits you’re already entitled to. According to the 2011 Colloquy census 48 billion worth of consumer loyalty rewards went unused. That’s a lot of free rewards down the drain.

1. MasterCard members can get up to 65% off Sephora’s big beauty sale plus three free samples and free shipping at

2. Home Depot has a huge home appliance sale this year on top brands including Frigidaire, Samsung, Maytag, and LG. They’re also giving you $500 if you purchase before December 4th.

3. Walmart has a number of holiday shopping discounts including 50% off electronics, video games, toys and more.

4. Foursquare shared a number of black Friday specials across the country last year. Keep a close eye on your Foursquare app on black Friday for special deals on more than just food.

Which black Friday deals are you drooling over?