Somebody had to do it, why not a luxury retailer? Neiman-Marcus.com already has put up "after-Christmas sale" items on its Web site. If you've got the bucks, lots of designer clothing is 40 percent off on the site.

If not, go for the fancy Christmas ornaments and decorations. Dec. 26 is the traditional day to find the nicest of Christmas ornaments greatly reduced at department stores. Don't go to the discount retailers for this -- it's all gone. This is the time to go high-end.

My Christmas tree is looking pretty tired this year so I might be there. -- Marcia "Bargain Hunter" Pounds

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