It is going to be a tough holiday shopping season for businesses. Thanksgiving and Black Friday are going to be in late November this year. Businesses will lose about six days of shopping and sale madness if they wait. The government shutdown, unemployment, and consumer worries are weighing on shoppers minds. These things will actually benefit shoppers this holiday season. Most retailers are moving their holiday sales earlier into the month. Shoppers will start to see promotions before Black Friday. More retailers will be offering free shipping this holiday season. In this episode of the Money Q&A podcast, "Your Money: Your Choices", I interview Jon Lal, founder and CEO of BeFrugal.com (http://www.befrugal.com/cashback/?ref=ADGIVGD). We talk about what consumers can expect during this year's holiday shopping season. We talk about Black Friday, Cyber Monday, Christmas sales, and much more. We also discuss how consumers can get the most bang for their buck through coupons, coupon codes, cash back deals, and more. You won't want to miss what Jon has to say about this holiday season and the deals consumers are going to score! Additionally, how would you like to win $2 million for simply paying your credit card bills or investing in your 401k retirement plan? That's exactly the types of prizes that you can win with the new iPhone app from SaveUp.com (https://www.saveup.com/). In this episode, I talk with Priya Haji, co-founder and CEO of SaveUp, about the company's new app and the great prizes it offers. SaveUp is changing the way people look at financial tasks by making it a game and creating positive financial habits. You won't want to miss this great episode.