If you plan on shopping this Black Friday, make sure to this:
1. Make a list and stick to it (there will be temptations!)
2. Have a cap on how much you can afford to spend total and don't go over that amount (once you've hit it, quit it)
3. Beware of Buy Now, Pay Later apps
4. If you don't need it or it's not on your list, walk away (there will be other sales)
5. Use a browser extension like Rakuten if you're shopping online to get promo codes and cash back
6. And if you can, use a credit card that offers cash back or rewards on your purchases (but only if you can pay off your credit card right away to avoid getting into debt). Otherwise, debit, cash, or a prepaid card like KOHO are great too!
