Consumer News: The modern holiday dilemma: Save money, save time, or save tradition

How to finish your gift list without impulse-buying junk

• Prep in 5 minutes: list sizes + backups, snap every receipt, commit to in-store returns

• Use rewards like coupons: search email/apps, redeem reward points now, try to split transactions to reuse perks

• Keep gifts low-risk: check inventory + pickup, buy sets/accessories, trade in old games for credit

For many shoppers, those last-minute Christmas shopping trips often go sideways for two reasons. First, you end up paying the panic tax in the form of shipping upgrades and might as well impulse buys. Second, you inevitably end up with a bunch of stuff youll have to return in January.

So, heres my frugal playbook to help you finish your shopping this year and hopefully keep your sanity and more of your hard-earned money.

Before you walk-in, try this 5-minute setup

Make a list with the sizes and backup options youre shopping for. If you dont know a shoe size, dont buy shoes. Instead, buy the gift card + small add-on combo gift instead.

Start a Receipts album on your phone. Try to photograph every receipt the second you get it as itll save you a bunch of headaches later.

Decide your return strategy now: in-store returns = usually free. Mail-in returns can come with fees at some retailers (more on that below).

1. Macys: use the buy now, adjust later trick

The hack: Typically, if you buy something and it drops in price within 10 days, Macys will do a price adjustment. But for the holidays, theyre price matching anything bought on or after November 30thall the way up until December 25th.

How to use this policy last-minute:

• Buy the safe gifts now. Think items like coats, cookware, and small appliances.
• Then set a reminder on your phone to check the price later this week or next.
• If the price drops, and it often will, request the price adjustment (keep screenshots).

Frugal return move: If you think you might return an item, plan to return the product in-store. Macys in-store returns are free, but nonStar Rewards members will have to pay a whopping $9.99 which will be deducted from your refund.

2. Old Navy: treat Super Cash like a coupon

The hack: If you have Old Navy Super Cash sitting around, the worst thing you can do is forget to redeem it completely. Old Navy actually allows Rewards members to convert unused Cash Coupons to points within 30 days after the last day to redeem.

Each Cash Coupon dollar amount converts to 1 program point. Many loyal Old Navy shoppers arent aware that this conversion is possible, so make sure you take advantage and dont let your Cash Coupons expire.

How to use it last-minute:

• Before you head to the mall, be sure to search your email for Super Cash.
• If you find that your redemption window is not active, pivot to basics that are still worth buying (pajamas, kids layers, giftable fleece).
• If youre still within the redemption window, be sure to convert your cash to points if youre a Rewards member, instead of losing it completely.

Smart gifts at Old Navy (fast, low-risk):

• Family pajamas (easy win)
• Gloves/beanies, cozy socks bundles
• Kids basics + a pick your favorite color later note for picky kids

3. American Eagle/Aerie: use the app as your free inventory detective

The hack: The AEapp tells you whether or not an item is in-stock at a store near you. Thats a very handy feature when shopping for last-minute gifts when sizes on many popular items get wiped clean quickly.

How to use it last-minute:

• First, search for the item in the app, then check which location has the size youre looking for.
• If youre truly racing the clock, be sure to use in-store pickup. AE says items marked as Free Pickup Today can be ready in about 2 hours.

Gift ideas that dont backfire:

• Aerie: loungewear, bralettes (if you know their vibe), cozy sets
• AE: hoodies, flannels, denim (only if you know size)

4. Victorias Secret / PINK: split transactions to use more rewards

The hack: Victorias Secret allows you to apply up to 3 Member Rewards per purchase. So, if you have more than that, heres the trick so you dont waste any of them.

How to use it last-minute:

• If you have 5 rewards, be sure to do two separate transactions (3 rewards on one, 2 on the other).
• VS also allows up to 2 compatible offer codes per order (keep in mind that rewards apply separately when youre logged in).

Low-risk gift moves here:

• Fragrance mists + lotion set (easy to exchange)
• Robe/slippers
• PINK lounge sets (these are size-friendly)

5. Sephora: turn points into instant savings

The hack: If youre a Sephora Beauty Insider member you get $10 off for every 500 points earned. And you can only use the $10 discount once per transaction, on a minimum $10 purchase.

Its actually one of the better free loyalty programs around, but many members forget to redeem their $10. This serves as your reminder to use it on any last-minute gifts this year.

How to use it last-minute:

• If youre at/over 500 points and youre buying gifts anyway, redeem the $10.
• Keep in mind that you can only use one $10 reward per transaction. So if youve got 1,000+ points and youre buying multiple gifts anyway, splitting into two transactions lets you redeem it twice (500 points each time).

Low-risk Sephora gifts:

• Mini sets (fragrance, skincare, hair)
• Best of samplers
• A gift card + a travel-size add-on (looks thoughtful, avoids shade-matching disasters)

6. Bath & Body Works: join rewards before you pay

The hack:Bath & Body Works loyalty program is pretty darn solid and you should consider joining it before doing any last-minute shopping. Specifically, youll earn 10 points for every $1 spent and 1,000 points will get you a completely free product up to $16.50 in value.

How to use it last-minute:

• If youre buying multiple gifts, put them on one account so you hit the reward faster.
• If youre close to the threshold, add one practical item (like hand soap) to cross it and earn the freebie.

Fast gift ideas here:

• Hand soap bundles (teacher gifts)
• Candle + wallflower set
• Mens body care sets (easy)

7. H&M: grab the welcome offer, then use points like a coupon

The hack:H&Ms membership page lists a welcome offer for 10% off your next purchase. Plus, youll earn points on every purchase. Specifically, $1 equals 1 point and 200 points = a $5 reward.

How to use it last-minute:

• If youre not a member, sign up and get the 10% off welcome deal.
• Put all your H&M gifts in one transaction so your points will stack faster.

Smart H&M gifts:

• Accessories (scarves, beanies, gloves)
• Basics (tees, socks) + a small fun item (holiday pajamas)

8. Nordstrom Rack: returns are easy in-store, not-so-free by mail

The hack: Nordstrom Rack says store purchases can be returned for a full refund within 30 days, and you can return to any Nordstrom or Nordstrom Rack store for free.

But it also states for returns by mail, a $9.95 returns shipping charge is deducted from your refund for everypre-paid label used.

How to use it last-minute:

• Buy risky gifts only if youre willing to do in-store returns.
• Photograph receipts immediately and keep the tags attached.

Best Rack gifts:

• Designer accessories (wallets, scarves)
• Beauty sets at a discount
• Athleisure basics

9. GameStop: trade-in credit can fund last-minute gifts

The hack: If youve got old games/controllers/consoles, consider trading them in for free money that you can use on your last-minute gifts this year.

GameStops trade-in page notes that youll get the highest trade value when products are in good condition and have all necessary components. They'll determine the exact value of your trade when you visit a GameStop location.

How to use it last-minute:

• Bring chargers, cables, cases, anything that came with it.
• Use your credit for stocking stuffers like digital currency cards, accessories, headsets, etc. These gift ideas are much easier than guessing someones exact wish-list game.

A new survey finds medical costs are pushing families to delay treatment, rack up debt, and make tough financial tradeoffs

• A new survey found that 58% of adults impacted by a serious injury have delayed or skipped medical care because the cost felt out of reach.

• Many families are cutting back on essentials like groceries, falling behind on rent or mortgage payments, and postponing long-term goals just to keep up with medical bills.

• Financial assistance programs, payment plans, and billing reviews can help ease the burden, and experts say skipping care isnt a personal failure but a systemic problem.

For many Americans, the decision to see a doctor isnt just about health anymore its about money.

With inflation squeezing household budgets and job stability still shaky for many, more people are asking themselves a difficult question: Is medical care really worth the cost?

According to a new study from Leslie Law Firm, that question is leading a majority of Americans to take a risky step skipping medical care altogether. The survey, which polled 1,000 U.S. adults whose households were impacted by a serious injury, found that 58% have delayed or avoided care because it felt financially out of reach. And for families already dealing with lost income, mounting bills, or long-term recovery, those choices can quickly snowball into lasting financial strain.

ConsumerAffairs spoke with Suzanne Leslie, owner of Leslie Law Firm, to learn how injury-related medical debt is forcing families to cut back on essentials, turn to unconventional sources for health advice, and make tradeoffs that can affect both their finances and their well-being for years to come.

Financial barriers

According to Leslie, cost remains the top barrier to consumers seeking out medical care across the country.

The biggest barrier is the sheer cost of accessing care, even if youre insured, she explained. When 58% are skipping treatment because of financial concerns, its about a lot more than just medical bills.

Theres a lot to unpack: lost wages, high deductibles, and the fear that one injury could be the catalyst to wreck your entire budget for months to come.

Financial instability

When medical bills start piling up, it can be common for those financial concerns to start bleeding into other areas of consumers lives.

Medical debt often forces people into impossible trade-offs, and the ripple effects are severe, Leslie said.

In our findings, 57% cut back on groceries, 25% fell behind on rent or mortgage payments, and 37% reduced their retirement savings. These setbacks dont just strain the short term they push long-term financial goals further out of reach and leave households more exposed to future emergencies.

However, there is hope for consumers. Leslie explained that some hospitals and medical providers offer emergency financial assistance or short-term medical coverage for those facing hardship after an accident or injury.

These programs are often overlooked simply because people dont know to ask, but checking for available aid can help prevent medical bills from derailing the rest of their financial lives, she said.

Double check your medical bills

An important piece of advice for those struggling with medical debt: double check all of your medical bills. Leslie explained that errors on your bills are more common than most people realize, unfortunately.

Then, talk to the provider about setting up a payment plan or applying for financial aid, she said. When more than half of those in debt are grabbing a credit card(s) to cover their expenses, its rough. So if youre looking into balance transfers or nonprofit credit counseling, it could help reduce interest and make payments more manageable over time.

Not a personal failure

If youre in the situation of choosing between essential medical treatment and basic needs like groceries, Leslie hopes that consumers should know that theyre not alone. This situation is far more common than most people even realize.

Our research shows this is a widespread issue, and definitely not a personal failure, Leslie said. Id suggest looking into whether there are community health clinics or nonprofit providers in your area that offer sliding scale pricing.

Its also important to be brave and not be scared or too proud to ask for a helping hand. Many people avoid treatment because they assume they cant afford it, but there are certainly payment options that offer more flexibility than youd expect. You wont know unless you ask.

Backup-camera blackouts, brake assist loss, fire risks top the recall list this week

The company says the maneuver won't affect products or support

Roomba maker seeks Chapter 11 protection as competition and tariffs squeeze margins
Company plans to go private under ownership of its main manufacturer
iRobot says customers should not see disruptions to products or support

iRobot, the maker of the Roomba robotic vacuum cleaner, filed for Chapter 11 bankruptcy protection on Sunday, saying it plans to go private after being acquired by Picea Robotics, its primary manufacturing partner.

The Bedford, Massachusettsbased company filed in Delaware bankruptcy court as it struggles with intensifying competition from lower-priced rivals and rising costs linked to new U.S. tariffs. iRobot had warned in March that its ability to continue operating as a going concern was in doubt.

Competition and tariffs erode profits

iRobot generated about $682 million in revenue in 2024, but mounting pressure from Chinese competitors such as Ecovacs Robotics has weighed heavily on profitability, according to court filings. While iRobot remains a market leader in the United States and Japan, competitors have forced the company to cut prices and invest heavily in technology upgrades to stay relevant.

Those challenges have been compounded by U.S. tariffs, particularly a 46% levy on imports from Vietnam, where iRobot manufactures vacuum cleaners for the U.S. market. The company said the tariffs added roughly $23 million in costs in 2025 and made long-term planning more difficult.

Debt tied to failed Amazon deal

At the time of the bankruptcy filing, iRobot carried about $190 million in debt. Much of that stems from a 2023 loan used to refinance operations while a European antitrust investigation delayed a proposed $1.4 billion acquisition by Amazon.

After the Amazon deal collapsed and iRobot fell behind on payments, Picea a China-based manufacturer acquired iRobots debt from a group of investment funds managed by the Carlyle Group, according to court documents.

Going private under Picea

Under iRobots Chapter 11 plan, Picea will take 100% ownership of the company and cancel the $190 million remaining on the 2023 loan. Picea will also forgive an additional $74 million that iRobot owes under the companies manufacturing agreement.

Other creditors and suppliers are expected to be paid in full, according to bankruptcy filings.

iRobot said the bankruptcy process is not expected to disrupt app functionality, customer programs, global partners, supply chain relationships or product support.

From pandemic boom to steep decline

iRobot was valued at about $3.56 billion in 2021, buoyed by pandemic-driven demand for home technology. Today, the company is worth roughly $140 million, according to data compiled by LSEG.

Founded in 1990 by three Massachusetts Institute of Technology roboticists, iRobot initially focused on defense and space-related work before launching the Roomba in 2002. The robotic vacuum quickly became a household name.

The Roomba still holds about 42% of the U.S. robotic vacuum market and 65% of the Japanese market, according to the company.

iRobot is headquartered in Bedford, Massachusetts, and employs 274 people, court documents show.