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Black Friday 2021 – Tips to avoid adding debt

What is Black Friday? 

The term “Black Friday” was allegedly first used by Philadelphia Police in the 1960s to describe the Friday after Thanksgiving when chaos ensued when huge numbers of shoppers came into the city to start their holiday shopping. The police worked longer than usual shifts as they dealt with accidents, traffic jams, shoplifting and other issues.

More recently, having started in the United States, the term is used to describe the first Friday after Thanksgiving where retailers offer discounted prices on goods in the build up to Christmas.


When is Black Friday 2021?

Black Friday falls on the Friday after Thanksgiving Day, which is celebrated on the fourth Thursday of November in the United States. This year, Black Friday is on 26th November.

However, it is more than one big day. The Black Friday 2021 sales are likely to start at least a week before Black Friday itself. Retailers will be offering sales during the “Countdown to Black Friday” – a Black Friday sale in everything but name.

The Black Friday sales will continue over the weekend of 27th and 28th November leading to Monday 29thNovember 2021, referred to as “Cyber Monday”.

There is no doubt you might be tempted by the number of offers from adverts and social media posts that you will see about Black Friday, but with Christmas round the corner and things tighter than ever this year, here are some tips to try and not spend so much:


Know what you want

If you don’t go to the sales without a plan, you are likely to spend money on things you don’t need or spend too much. Making a list of things you want to but will help you get what you want without overspending or buying unnecessary items


Set a budget

Having a strict idea of what you want to pay for something can help narrow your search. Focusing on what you are looking for within your price range means you won’t overpay.



So you know you aren’t overpaying for goods, do some research beforehand to understand what prices usually are. Some retailers like to price certain goods as deals when they aren’t. Research can also mean shopping around. There are apps that can help – like Pricespy, where you can check by typing in the product and by scanning a barcode. The app will tell you if it is cheaper elsewhere. Sometimes there are also apps run by communities that can help too.


Don’t be tempted to use Buy now pay later options

Using options like Klarna or Clearpay are designed to get you to spend more and its sometimes difficult to plan how you will pay for this later. There is nothing worse that having your credit damaged by something you didn’t expect to be paying or didn’t remember you had agreed to. These options often have very high charges for missed payments and high interest rates to start with! Best to avoid.


If you are struggling, we can help

If you are struggling with your finances and need advice, please get in touch. We provide, free, confidential and impartial advice on a range of topics including debt, benefits and housing. Visit the contact us page of our website for further details

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