Walmart discounts a selection of electronics, phones, laptops, home items, video games, and more during its Early Holiday Specials Sale. Shipping adds $5.99, although orders of $35 or more bag free shipping. (In-store pickup may also be available.) A couple of best bets:
Comfort Classics 3M Scotchgard Harmony Waterproof Mattress Pad from $16.23 (low by at least $16)
Dyson DC33 Multi Floor Upright Bagless Vacuum Cleaner for $199 (low by $63)
These tips and tools can help you recoup thousands of dollars if the unthinkable happens.