b'Money-saving tips and tricks for the holiday season, with consumer psychologist Kit Yarrow. A rundown on \\u201cbargain brain\\u201d and the allure (and danger) of the outlet mall. Plus, best times for you to shop for pretty much everything on your list. In Mailbag, how to safely close credit cards you\\u2019re not using, and paying down student debt.\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'