WITI-TV, MILWAUKEE - The National Retail Federation says consumers are cutting their shopping budgets this year. But there are ways to help stretch your hard-earned dollar.

Ask any shopper for holiday shopping advice and someone's bound to tell you about layaway. Layaways are available at some stores for a minimal charge and a percentage of money down on the item you're purchasing. It comes in handy it you don't want to use your credit card.

Another tip: make a list and check it twice. Check items in stores, store ads and online to find the lowest price. Making a list also helps you stick to a budget.

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If you want to put extra cash in your pocket, sell your unused gift cards. Sites like GiftCards.com will buy your gift card, verify the balance and send you a check within 48 hours.