Black Friday is a treacherous time. Lured in by the promise of fantastic bargains, you flock to local big-box retailers, facing the threat of injury or even death to grab unbelievably cheap "doorbuster" gizmos. Even if you manage to get through the day-after-Thanksgiving shopping bonanza without physical harm, there's a good chance you'll suffer financial damage if you don't plan ahead.
As I pointed out last year, the biggest worry on Black Friday is that you'll buy stuff you don't need. For retailers, that's the entire point of Black Friday—they're hoping that, in your quest for bargains, you'll buy an electric toothbrush or radio-controlled rubber rat just because it's on sale.
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