Macy's offers the Hallmart 18" Mermaid Sequin Pillow in Silver/Black, Red/Beige, White/Gold, or Royal Blue/Silver for $8.99. Opt for in-store pickup to get in time for Christmas and avoid the $10.95 shipping fee. (Alternatively pad your order with a beauty item to bag free shipping.) That's a savings of $11 off list price on each. Deal ends February 21.
Experts often recommend postponing Social Security retirement benefits. But there are situations in which you should just start taking the money ASAP.