Your Most Stylish Year Ever

Say you buy this beautiful Banana Republic necklace (left) at full price and then the price goes down a few days later—you can take your receipt in and get the difference between the original and the sale price credited back to you. (Banana Republic’s price adjustment policy is 14 days within purchase; check other stores’ policies.) “I keep receipts from every recent purchase in my wallet for the adjustments,” says Galia Gichon, author of My Money Matters. “You’d be surprised how much money you can save! This works especially well for large department and chain stores.”

BUY ONLINE NOW Cabochon statement necklace, Banana Republic, $79; at bananarepublic.com.

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