Don't want to wait around for Black Friday? Various merchants via eBay discount a selection of shoes, watches, fragrances, luggage, and more during its Better Black Friday Sale. (Prices are as marked.) Plus, these orders receive free shipping. Although you won't score store-specific bonuses like Kohl's Cash or Target gift cards, most of these prices match or even beat those advertised in retail stores' Black Friday print ads. (The retailers' prices are noted; note that some comparisons are to similar items.) Deal ends November 18.
With preparation and courage, you can work with companies to lower your monthly bills and save hundreds or even thousands each year.