Need to raise a little cash for Christmas? Gather your stuff for eBay today and list each item for a penny at eBay today only. A few items such as Fixed Price listings, vehicles, motorcycles, boats, professional services, real estate and farm machinery are excluded from the promo.

Almost everything at Old Navy, Gap and Banana Republic is 35 percent off online only if you use the discount code MERRY. Spend $50 on any of the sites to get free shipping. Each site has exceptions, including Old Navy boots and everyday steals, Gap leather or suede, Junk Food and Star Wars and Banana Republic Gavin, Dawson and Emerson pants, Timeless Collection, cashmere and SF Made.

Fans of Old Navy, Gap or Banana Republic should sign up to receive email notifications of sales. All three companies are hurting these days and notifications of storewide sales are common. The best discount at Banana Republic is 40 percent, but 25 percent discounts are common. Even though the 35 percent discount is online only, many similar deals are in the stores too. Banana has many items marked 30 and 40 percent off in stores through Wednesday.

Should you wait until Black Friday instead? Last year the Banana Republic stores had everything 40 percent off until

noon. This year will probably be similar, but the store open earlier at midnight Thanksgiving night.