8 ways to save time and money on holiday shopping

It's still October and already schedules are filling up with things to do to prepare for Thanksgiving, Black Friday, Christmas, Hanukkah and more.

On top of the normal things that need done -- changing your oil, sending out cards, finding time to work out -- you still need to shop for gifts, which is no small matter.

A recent analysis of shopping habits, sponsored by search engine Bing, found that in the process of searching for the right gift and looking for the best deal, the average American will lose $114 this year.