If you weren’t sucked into a 5am line at some big box retailer this morning, congratulations.  Most of the time,  being a savvy shopper means going against the crowds… and today is a prime example.  Today’s "incredible" early bird bonuses are a ploy to get you in buying proximity of more regular-priced merchandise.  And any sale prices that aren’t quantity-limited (is it really worth waiting in line for 2 hours hour for the chance to save $100?) will only get better as the shopping-days-’til-Christmas clock ticks down.  So use today to organize your shopping lists, and do some comparison shopping online.  The best way to save money is to avoid buying things you don’t need to buy, and to avoid overpaying for things that seem like great deals when better ones are just a few clicks away.  My top recommended clicks for today:    Amazon.com for easy price benchmarks, and Overstock.com, which is celebrating Black Friday with a 12% discount coupon and free shipping all weekend.