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Decide how much you are going to spend

• Do a budget to work out how much you can spend before you go shopping

• How are you going to pay, by cash, credit card or lay-by?

• If you are borrowing money to buy a product, shop around for the best available credit deal.

Research your product

• Speak to your family and friends about their experiences of particular products.

• Contact various stores and ask the sales person about the range of products, different brands and features available.

• Read newspapers and magazines for information. For example, car magazines regularly review new cars on the market.

Shop around for a better deal

•Visit or telephone as many stores as possible to compare prices, brands and features.

• Get quotes in writing so you can be sure of the offer being made to you.

• Ask the salesperson about their store’s consumer complaints procedure.

• Check out delivery charges and times.

• Read pamphlets, catalogues, newspapers and magazines for specials.

• Take advantage of sales. Some sales are predictable annual events such as the Christmas and Stocktaking sales. It may be worth waiting for a cheaper buy.