Top tips and tricks to save you money

>> with "today's" money. it is frugal friday. we've got tips to help you get the most bang for your buck and a new warning about credit card fees. jean chatzky is "today's" financial editor. good morning.

>> good morning. nice to see you.

>> good to see you. retail therapy is real, especially in the winter.

>> that's right.

>> people feeling down, they go out shopping. we've got numbers to back it up. 36% of people surveyed in one poll said they're most likely to shop during the winter season in pursuit of retail therapy .

>> this is the new survey done for folks from coupon cabin. what we've learned is that it actually works. when you go out and spend a little bit of money, it makes you feel better, at least in the short term. the trick is, you only want to spend a little bit of money. because you don't have to make a big splurge in order to bring on those happy feelings. so, if you're a woman, you might end up at sephora, grab a new nail polish or nail art f you're a guy, head to brookstone and get one of these that can tie your shoe laces or key finder. i'm going to chocolate. that's what makes me happy.

>> you feel a little bit better about yourself, but resist the urge to go big.

>> none of this chocolate, for example, is more than $12.

>> good to know. i'm glad you're bringing this up this morning. starting sunday people may start to see new fees on their credit card bill.

>> surcharges, imposed by the retailer, up to 4% of what you are spending on anything essentially. we've seen this in other countries, australia has been through this. the uk has been through this. and we don't expect that the surcharges will hit immediately. they'll start to roll out slowly, likely for things like airlines, hotels, utilities, taxis. they're going to have to tell you when they impose a surcharge. you'll see a sign, if you're shopping online , you'll see a notice. you'll know that's a really good time to use your debit card or pay cash.

>> pay cash if you can?

>> yeah.

>> super bowl time, a week from sunday. people do two things.

>> they eat.

>> and watch tv.

>> you can get good deals on both. over at chipotle, if you buy six or more burritos on super bowl sunday, you'll be able to get a free burrito, burrito bowl or tacos.

>> love it.

>> me, too. whole food, happy chickens, by the way. they wanted me to point out there are no antibiotics. bucket of 54 wings for $7.99. they come in a variety of flavors. at your grocery store, from kroeger, $12.99, an assortment of platters. we're just showing you two of them.

>> does it make sense to go out and buy a big tv for super bowl ? i never understood that.

>> two times a year when televisions are cheaper, the first is at christmas. the second is actually on super bowl sunday. this year the folks at deal news have noted we're seeing especially good deals on the really big tvs. at dealnews.com, sony bravia , which doesn't sound incredibly low but it's loaded with features. lg for $699 and a sake, which i keep wanted to call sako.

>> head to today.com and click on frugal friday. savannah?