MAKE A PLAN FOR BLACK FRIDAY

The winter holidays are a month away, but if you log onto your computer or phone, ads are already popping up, luring you with sales. There are some good bargains out there, and it’s a great time to buy that investment piece of clothing or update an appliance. But you need a strategy so you don’t get shocked you see your credit card bill.

• Assess how much money you have to spend

• Make a list of items that you need and want:

  • Appliances

  • Books

  • Calendars/Planners

  • Clothing

  • Furniture

  • Kitchenware

  • Makeup

  • Tech equipment

  • Travel

• Stick to your budget, fingers and toes crossed.