It's that time of year when folks start looking forward to Halloween, Thanksgiving, and of course Christmas.

As for Christmas, shopping for that perfect gift may be the furthest thing from your mind right now. But in today's world, it should be at the top of your list. Apparently, retailers are facing some big inventory challenges and looking to move product and that could mean big savings for consumers.

So, today we're talking to Adam Davis. He's the managing director for Wells Fargo Retail Finance. What he has to say will probably change the way you do your holiday shopping.