Ready or not, the holiday deals are coming! It can be crazy overwhelming—you’ve got to figure out not just what to buy friends and family, but also when and where to buy it. Should you jump in during Black Friday and Cyber Monday sales—or even earlier? Or should you wait until December or even later as the markdowns on many items get even deeper? And should you do most of your shopping online or in stores? Here’s a 5-step plan to max out your savings this holiday season. Get