UNDATED - If you're still planning on doing some on-line shopping this holiday season, you might want to wait until Thursday. Carrie Rocha from the website PocketYourDollars.com says you can get free shipping.

However, Rocha says don't expect big savings that day.

Another good option when shopping on-line is "site to store". Most big box retailers offer free in-store pick-up year round.

Also, the holiday season is a time for baking. But, the cost to make all those Christmas goodies can really add up. Rocha says it's worth it to take the time to figure-out which ingredients can be substituted.

Rocha recommends going to the website JoyOfBaking.com, where they have a complete ingredient substitution list. She also suggests planning your holiday baking around the ingredients you already have on hand, you can do that with the help of the website AllRecipes.com.