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How to be Financially Responsible on Black Friday

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Year after year people join the craze of Black Friday shopping. Whether you are out shopping on the Friday after Thanksgiving or on the weekends that follow, it is good to have a plan to keep you finances under control during the holidays. Follow these financial tips to successfully survive Black Friday!

1. Write a List

Impulse purchases are infamous for ruining a budget. Planning what you intend to buy or who you intend to buy for is the first step to successfully purchasing on Black Friday. Most importantly, don't forget the list at home!

2. Determine a Budget

According to Michael Cohen, social media manager at myFICO, "consider how many people you want to spend gifts on [and] set a maximum per person." You budget should be based on your income after all bills and necessities are paid for. If you need to add more people to your shopping list, it is beneficial to redistribute the budget rather than increase it.

3. Strategize Purchase Power

Doing research can save you hundreds of dollars during the holidays. Stores across the nation offer coupons and special discounts on certain products. Refer to your shopping to see what products you need to find. Chances are, these products will be available to customers at numerous stores. With research, it's possible to walk away with the best deal.

4. Monitor your Credit Cards

Typically, consumers increase their amount of credit card transactions during the holidays. With more transactions than usual, it is hard to keep track of your spending habits. If not managed properly, mistakes may go unnoticed. By monitoring your credit card, you can keep track of your spending as well as lower the risk for identify theft.

5. Remember the Meaning of the Holidays

Lastly, remember what the holidays are originally about. The holidays are not meant for people to overindulge on shopping. If your holiday budget is smaller than last year, family and friends will understand. The best thing to keep in mind is that you don't want your New Year's resolution to be "getting out of holiday debt".

We at Timothy J. Sierra Attorney at Law would like to state that our blog posts and links, on our web page or any other social media outlet, to any other web pages are not intended for legal advice. We are not responsible for third party website information. If one is in need of legal advice please contact an attorney directly.

Source: Sharesale | Credit Card Debt

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