So, you're ready to hit the after-Christmas sales, and just happen to have a gift or two that doesn't fit or just doesn't fit. As eager as you are to make the switch for something you really love — possibly at a huge discount so you get even more for your money -- we suggest you hold that thought. Return lines are notoriously long this time of year — and let's face it, nobody's going to be in any kind of festive holiday mood at this point. Wait out the crowds, and if there's no good sales going on when you do return, take store credit so you can hit the next big markdowns to get something really great.

If you must return (example: you actually got that divine cashmere sweater you've been jonesing for, but in the wrong size — and you don't want to risk missing out), make sure you've done your homework and got all your shopping ducks in a row. Receipt? Check. Ample time (not the last 10 minutes of your lunch hour)? Check. Sensible shoes? Check. And be sure to get the lowdown on return policies before you head to the store, so there are no unpleasant surprises when you get there.

Kathryn Finney is Founder of The Budget Fashionista.com  and America's Top Budget Shopping Expert. Since 2003, Kathryn and her merry band of budget shoppers have been providing expert budget shopping advice, fashion tips for real women, and information on living your best life for less through a collection of online publications and applications.