Saving money holiday shopping takes skill and determination.

Byline: Daniel Vasquez

Learning to save money while holiday shopping is not for the meek. If you instinctively ask for something for free when you buy something, you have the right stuff.

The way you shop determines how much you can save. For instance, make sure to ask for free delivery when you buy a TV or refrigerator. In today's tough retail climate, stores are more likely to bargain.

Here are more tips from ShopSmart magazine's January issue:

_Ask sales associates for advance notice of sales. Then shop the night before the sale and ask to have full price items put on hold until the sale starts.

_Before you complete a sale …