How to survive Black Friday and pre-Christmas 'sales'
Of course there can be some significant reductions available, so how do you know if you're really getting a great deal?
Follow our #XmasReady sale survival guide and you should be ok.
1. Write a list of what you need to buy
It's tempting to see something in a sale and think it'd make a perfect gift, or even something for yourself. But if you hadn't planned to buy it, you're not really saving money.
Just as with supermarket shopping, having a list will focus you on getting what you need, and not make impulse buys.
So before you head to the shops (or online), write a list of people you are buying for and what you think you'll get them. Then do the same for the things you need for yourself.
2. Set your price limit
Now you've got your list, mark down next to every person and each item how much you plan to spend. Total this up and see how it compares to what you can afford. You might need to rethink your individual gift budgets if these totals aren't similar.
Don't forget to factor in the other costs of Christmas such as food and fun!
3. Research a good price
With your gift list ready, take a look on price comparison websites to see the going rate for each item.
This'll help you know if you really are being offered a bargain or if it's not too different to the normal price. Often these sales are just stock clearance or have been at the same price for a while. Benchmarking what you're willing to pay will help you stick to budget.
4. Keep your receipts
Hopefully you'll have kept to your lists AND nabbed a few bargains. But if you have spotted something irresistible that isn't a planned purchase check the refund policy before you hand over any cash.
Not every shop will allow refunds if you change your mind a few hours later. If you can take unwanted impulses back, make sure you keep any receipts.
This article is provided by the Money Advice Service.