(Bloomberg) — Retailers use Labor Day to sell us "elegant" fire pits and pom-poms for handbags (yes, an accessory for an accessory). That isn't quite what the holiday is about. It's about work.  

So instead of adding to debt or dipping into savings to jump on those doorbusters, you can get a great long-term deal by making your job and the benefits that come with it—including your paycheck—work harder for you.

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