MONEY: START YOUR BROWSERS!

Before you click "buy," do one last check at payback sites like ebates.com, upromise.com and butterflymall.com. They offer rebates if you click through to your chosen retailer through them. It doesn't always work out. Sometimes the rebates simply steer you to higher-priced items. But if you can find the best product at the cheapest price at a store that will kick back an additional 3 percent into your kid's college fund, that's a sign that it's time to click, buy and move on with your life. After all, there's still the wrapping to consider.

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