You've made your list and checked it twice. And when you go shopping, you want to get the most for your money and avoid trouble.
FILE - A shopper checks out "Black Friday" deals on her smartphone at a Target on November 24, 2016, in Orem, Utah. You’ve made your list and checked it twice. And when you go shopping, you want to get the most for your money and avoid trouble. Here are tips for finding the best deals and avoiding a holiday debt hangover.“Don’t use a ‘sale’ as an excuse to buy something,” said Jamie Lettis, an associate editor at Checkbook. “Do your homework to see if that ‘sale price’ is legit.
Fake sales can also nudge you to spend more. “If stores can make you feel like you’re saving a bundle, that encourages you to spend even more,” said Kevin Brasler, Checkbook’s executive editor.When Lettis goes shopping, she uses her phone to check pricing available elsewhere. For example, if she’s in Target and spots a coffee maker at what seems a great price, she’ll check Costco, Walmart, Amazon, and possibly do a general Google search.
“It’s the final number that counts,” Lettis said. “Maybe it’s the same price online, but that retailer is offering 10 percent cash back through Rakuten that day, and I can get $20 back. That’s worth it to me. I’ll wait a couple days for that item to arrive at my doorstep.”Retailers continue to promote splashy “Black Friday” deals, but their strategy has shifted—they no longer focus on the day after Thanksgiving.
“I can’t tell you how often I used to get up at four in the morning to get in line at Kohl’s and commiserate with all the folks there, and then race into the store and then do the same thing at Staples, Dworsky said. “But a couple of years ago, I discovered that I could go online to Staples.com, get the same offer at 7 a.m., and not have to wait in line.
If you don’t pay off the bill each month, “with an average APR of nearly 31 percent, any discounts or rewards you earn with a store credit card will be quickly outweighed by any interest you accrue,” said Matt Schulz, chief credit analyst at Lending Tree. “Don’t let yourself be pressured by the person behind the counter to make a quick, uninformed decision about getting that card. It’s all part of the game. Don’t play along.
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