A solid strategy can help you make the most of Cyber Monday without busting your budget. Here's what to do.
The Monday following Thanksgiving, known as Cyber Monday, has historically been a one-day, online-exclusive sale event. But now, as Black Friday, Cyber Monday and other holiday season sales increasingly expand and blend into one another, it's becoming more difficult to resist the constant pressure to shop.
Check retailer announcements for updates on what will be marked down, and watch for deals early. Some retailers plan to launch cyber sales before Cyber Monday officially lands. For example, Kohl's Cyber Kickoff event starts Saturday, Nov. 26, and Macy's Cyber Monday sale runs from Nov. 27-28. "Yes, you are doing your research, but at the same time the advertisers and the brands are trying to win you over," Costello says.
Keep track of your purchases and add up the expenses as you shop. That way, you'll know if you're approaching your spending limit. If you take on debt, compare the cost of different payment methods first. Make sure you're aware of payment deadlines and any interest charges or fees you may face if you cannot pay on time or in full. Losing track of these details could make your purchase significantly more expensive.
Keep your budget top of mind, whether or not there's a discount at stake. Before adding an item to your virtual shopping bag, ask yourself, “‘Is this something I need right now? Is this something that I can save towards?'” Humphrey says. Then you can decide whether it's in your best interest to delay the purchase by a couple of weeks or months or skip it indefinitely.
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