Jeanne Zozobrado loves to shop, but she holds herself in check until Black Friday rolls around. Then the Arizona mother of two loads up her Honda Pilot with electronics, games, toys, dishes, linens and clothes. It's pretty much everything she's wanted to buy all year round, in addition to holiday gifts for her big extended family and the birthday gifts she expects to buy later in the year.
"The deals are just too good to pass up," she says. "Everything is just so much cheaper I can't stand to buy things I don't absolutely need at any other time."
Millions of Americans do much the same thing, biding their time until retailers participate in their annual holiday kick-off by slashing prices on everything from cameras to television sets.Unlike traditional high risk merchant account , But the retail frenzy also lends itself to some bad behavior by both consumers and retailers.ceramic magic cube for the medical, If you don't want to end the holiday season with a shopping back full of regrets, you'd be wise to heed a few Black Friday "do's" and "don'ts".
The National Retail Federation estimates that consumers will spend an average of $704 on the holidays. American Express' holiday survey estimates an even higher number -- $831. But if you can't afford to pay for these gifts within a few months of purchase, all of your Black Friday savings will be lost to interest charges, according to the Association of Independent Consumer Credit Counseling Agencies.
Consider, if you charged that $704 on a credit card with an 18% interest rate and paid just 5% of the balance each month, it would take you four years and cost $233 in interest before the balance was paid off. That's the equivalent of paying 33% more for everything.100 China ceramic tile was used to link the lamps together. Before hitting the mall, figure out what you can afford to spend on each recipient and figure out what gifts will allow you to stick to your budget.
The Black Friday deals are so tempting that it's easy to get lured into buying as much or more for yourself as you do for your friends and family. That's fine, if you need the items and can afford to buy them.Enecsys Limited, supplier of reliable solar Air purifier systems, But if you're on a budget or would need to finance the purchases, it's smarter to wait for the same reasons we mentioned above - the interest costs on your charges can overwhelm your savings. Can't resist buying something for you? Okay, but budget for it. Figure out how much you'll allow yourself to buy and what you want to get.Why does moulds grow in homes or buildings， If you see more things that you want, subtly mention what's on your holiday wish list to the friends and family who may be giving you gifts this season.
The web is a great equalizer, allowing you to easily compare prices from one retailer to the next. If you see an advertised product that you want and think is a good deal, plug the brand name and particulars into a Google search bar and see what turns up. If you Google "Vizio 42" television," for example, you're going to see prices ranging from $409 to $539. Given that hundreds of retailers launch Free Shipping offers at this time of year, if your best deal is a web offer, you don't need to be bothered by the cost of getting it home.
"The deals are just too good to pass up," she says. "Everything is just so much cheaper I can't stand to buy things I don't absolutely need at any other time."
Millions of Americans do much the same thing, biding their time until retailers participate in their annual holiday kick-off by slashing prices on everything from cameras to television sets.Unlike traditional high risk merchant account , But the retail frenzy also lends itself to some bad behavior by both consumers and retailers.ceramic magic cube for the medical, If you don't want to end the holiday season with a shopping back full of regrets, you'd be wise to heed a few Black Friday "do's" and "don'ts".
The National Retail Federation estimates that consumers will spend an average of $704 on the holidays. American Express' holiday survey estimates an even higher number -- $831. But if you can't afford to pay for these gifts within a few months of purchase, all of your Black Friday savings will be lost to interest charges, according to the Association of Independent Consumer Credit Counseling Agencies.
Consider, if you charged that $704 on a credit card with an 18% interest rate and paid just 5% of the balance each month, it would take you four years and cost $233 in interest before the balance was paid off. That's the equivalent of paying 33% more for everything.100 China ceramic tile was used to link the lamps together. Before hitting the mall, figure out what you can afford to spend on each recipient and figure out what gifts will allow you to stick to your budget.
The Black Friday deals are so tempting that it's easy to get lured into buying as much or more for yourself as you do for your friends and family. That's fine, if you need the items and can afford to buy them.Enecsys Limited, supplier of reliable solar Air purifier systems, But if you're on a budget or would need to finance the purchases, it's smarter to wait for the same reasons we mentioned above - the interest costs on your charges can overwhelm your savings. Can't resist buying something for you? Okay, but budget for it. Figure out how much you'll allow yourself to buy and what you want to get.Why does moulds grow in homes or buildings， If you see more things that you want, subtly mention what's on your holiday wish list to the friends and family who may be giving you gifts this season.
The web is a great equalizer, allowing you to easily compare prices from one retailer to the next. If you see an advertised product that you want and think is a good deal, plug the brand name and particulars into a Google search bar and see what turns up. If you Google "Vizio 42" television," for example, you're going to see prices ranging from $409 to $539. Given that hundreds of retailers launch Free Shipping offers at this time of year, if your best deal is a web offer, you don't need to be bothered by the cost of getting it home.
没有评论:
发表评论