1. Is it really a bargain?
Just because a shop is advertising 'mega discounts', is the item you're after really cheaper than it would be at another time of year? Do some homework now, when you're less under pressure to have Christmas all wrapped up - and you'll have a better idea later on if you're really getting a great deal. mind. The Consumer Rights Act spells out consumers' rights to refunds on faulty items and makes it easier to challenge hidden fees and charges.