8 Things to Buy After Thanksgiving

buy-after-thanksgiving

When it comes to shopping, the days and weeks after Thanksgiving are unparalleled.

You have the twin massive discount days of Black Friday and Cyber Monday. You have the seasonal Fall items going on massive sale to make way for the holidays. And you have discounts on things people might buy that aren’t necessarily linked to the holidays, like appliances and other capital equipment, because stores need to make room for next year’s models. Finally, the winter is the “off season” for so many things and buying in the off season can help you save a lot of money.

Here’s a list of things you should buy after Thanksgiving.

1. Electronics

The key to winning Black Friday (and Cyber Monday) is watching the circulars as they are leaked and doing some serious comparison-shopping. High-ticket electronics from brands you recognize like tablets, computers, and video game consoles from Sony, Microsoft, Apple, and more, will all tout mega-deals, the weekend after Thanksgiving. But remember, it’s best not to get carried away gorging on the great deals that pan out because it might leave you needing money closer to the holidays!

2. Leftover Thanksgiving Decorations

Thanksgiving will happen in just 52 short weeks but all those Thanksgiving-themed decorations, and many of the Autumn-themed decorations, will be deeply discounted as stores look to get rid of stock. If you’ve wanted an orange and red wreath or an Autumn-inspired centerpiece, now is the time to start snagging them because in a few short days they’ll be gone.

3. Live Christmas Trees

One sneaky good thing to buy right after Thanksgiving is live Christmas trees. Many live tree sellers will discount them initially to start moving some of their stock and then start selling them at regular price as Christmas draws near. They won’t start discounting them again until it’s time for the procrastinators to buy.

4. Big Ticket Appliances

Stores will discount large appliances as we near the end of the year to clear inventory for newer models. You can expect to see sales on refrigerators, washers, dryers and other large appliances around this time. If you are getting rid of an old appliance, you may find your local utility will haul it away for you or even pay you for them.

5. Cars

Late November is a fortuitous time for a car buyer. As the end of the year draws closer, sales people are thinking about hitting their annual quotas and willing to make deals to move cars. The next model year will have been released near the end of the summer, so previous model years that are still around in November have been sitting for a long time. The confluence of those factors makes late November and December a prime time to strike a deal.

(If you are thinking about buying a car, it’s important to check your credit since a good score will help you qualify for a better interest rate. You can view two of your credit scores, updated every 14 days, for free on Credit.com.)

6. Recreational Vehicles

The same logic for cars also works with recreational vehicles (RVs) but even more so. The winter months are also the slowest in the RV business. People hunker down for the winter and aren’t thinking about making cross-country trips — dealers will still want to sell vehicles.

7. Cookware

Cookware will be discounted because a lot of people will be cooking and entertaining, which means a lot of people will discover their cookware needs an upgrade. Retailers know this so, to win over their share of the market, they will entice shoppers with great deals around this time.

8. Tools

Tools make great gifts and retailers will often offer some fantastic deals on cheap tools. It’s a great time to pick up a tool you’ve always needed for that last project on the list but never had the heart to pay full price for.

You can save a bundle after Thanksgiving if you’re judicious in what you buy. Always comparison-shop and make sure that deal you see before you actually is a deal.

Finally, remember that there are some things that will be deeply discounted after the holidays – things that are classic gifts but rarely get used. Gift cards, exercise equipment, and many other items will be on clearance after the New Year!

Image: Eva-Katalin

The post 8 Things to Buy After Thanksgiving appeared first on Credit.com.

8 Things to Buy After Thanksgiving

buy-after-thanksgiving

When it comes to shopping, the days and weeks after Thanksgiving are unparalleled.

You have the twin massive discount days of Black Friday and Cyber Monday. You have the seasonal Fall items going on massive sale to make way for the holidays. And you have discounts on things people might buy that aren’t necessarily linked to the holidays, like appliances and other capital equipment, because stores need to make room for next year’s models. Finally, the winter is the “off season” for so many things and buying in the off season can help you save a lot of money.

Here’s a list of things you should buy after Thanksgiving.

1. Electronics

The key to winning Black Friday (and Cyber Monday) is watching the circulars as they are leaked and doing some serious comparison-shopping. High-ticket electronics from brands you recognize like tablets, computers, and video game consoles from Sony, Microsoft, Apple, and more, will all tout mega-deals, the weekend after Thanksgiving. But remember, it’s best not to get carried away gorging on the great deals that pan out because it might leave you needing money closer to the holidays!

2. Leftover Thanksgiving Decorations

Thanksgiving will happen in just 52 short weeks but all those Thanksgiving-themed decorations, and many of the Autumn-themed decorations, will be deeply discounted as stores look to get rid of stock. If you’ve wanted an orange and red wreath or an Autumn-inspired centerpiece, now is the time to start snagging them because in a few short days they’ll be gone.

3. Live Christmas Trees

One sneaky good thing to buy right after Thanksgiving is live Christmas trees. Many live tree sellers will discount them initially to start moving some of their stock and then start selling them at regular price as Christmas draws near. They won’t start discounting them again until it’s time for the procrastinators to buy.

4. Big Ticket Appliances

Stores will discount large appliances as we near the end of the year to clear inventory for newer models. You can expect to see sales on refrigerators, washers, dryers and other large appliances around this time. If you are getting rid of an old appliance, you may find your local utility will haul it away for you or even pay you for them.

5. Cars

Late November is a fortuitous time for a car buyer. As the end of the year draws closer, sales people are thinking about hitting their annual quotas and willing to make deals to move cars. The next model year will have been released near the end of the summer, so previous model years that are still around in November have been sitting for a long time. The confluence of those factors makes late November and December a prime time to strike a deal.

(If you are thinking about buying a car, it’s important to check your credit since a good score will help you qualify for a better interest rate. You can view two of your credit scores, updated every 14 days, for free on Credit.com.)

6. Recreational Vehicles

The same logic for cars also works with recreational vehicles (RVs) but even more so. The winter months are also the slowest in the RV business. People hunker down for the winter and aren’t thinking about making cross-country trips — dealers will still want to sell vehicles.

7. Cookware

Cookware will be discounted because a lot of people will be cooking and entertaining, which means a lot of people will discover their cookware needs an upgrade. Retailers know this so, to win over their share of the market, they will entice shoppers with great deals around this time.

8. Tools

Tools make great gifts and retailers will often offer some fantastic deals on cheap tools. It’s a great time to pick up a tool you’ve always needed for that last project on the list but never had the heart to pay full price for.

You can save a bundle after Thanksgiving if you’re judicious in what you buy. Always comparison-shop and make sure that deal you see before you actually is a deal.

Finally, remember that there are some things that will be deeply discounted after the holidays – things that are classic gifts but rarely get used. Gift cards, exercise equipment, and many other items will be on clearance after the New Year!

Image: Eva-Katalin

The post 8 Things to Buy After Thanksgiving appeared first on Credit.com.

8 Black Friday Shopping Strategies

black-friday-tips-2016

Whether you’re a diehard tent-popper or stage a silent boycott every year, there’s no ignoring Black Friday. But are these deals as life-changing as we’re led to believe? Sometimes, yes, but in most cases, not really. After all, doorbuster discounts aren’t exclusive after Thanksgiving. In the past several years, retailers have held “Black Friday in July” sales, pre-holiday sales in October, and early bird sales the week before Black Friday.

Still, Black Friday is coming whether you like it or not. While some of you die-hards may have your strategy in place, newbies may need a tip or two if they plan to go shopping. Here are eight things to keep in mind as you prepare for Black Friday.

1. Make a List

Black Friday shopping can be overwhelming, so if you want to avoid going off the rails and buying a bunch of gifts you don’t need — or winding up in debt, which could drag down your credit — don’t keep your list in your head. Instead, use a gift-list app like Gifted (available on the Apple Store and Google Play) to keep track of recipients’ likes and dislikes, sizes, ideas and budgets.

2. Focus

Historically, the deepest Black Friday discounts are on electronics, apparel and beauty products, so instead of trying to conquer your holiday list in one day, focus on those three areas and tackle the other categories later. Also, since you still have plenty of time in the holiday shopping season to look for deals, go for only the deepest discounts (40% and up).

3. Sign Up for Store Emails

Now is a great time to sign up for emails from the stores you want to hit on Black Friday. You might be privy to advance details on sales or private discounts. Set up a separate free email account to capture that mail — there’s going to be a lot of it. Following stores on Twitter or Facebook can also keep you in the know.

4. Discounted Gift Cards

If you have a general idea of where you plan to shop, search online for “discounted gift cards (name of store),” and see what comes up. Many gift card merchants sell digital or printable gift cards that are discounted between 2% to 30%. Use that gift card to make a purchase, and you’ll save a bundle!

5. The Early Bird Bonus

If you’re game for getting up at the crack of dawn, you could be well-rewarded. In previous years, stores like H&M, Best Buy, JCPenney, Kohl’s & Kmart have handed out goodies like gift cards and even movie tickets to folks at the front of the line.

6. Consider Opening a Store Charge Account

Once you’ve made it to the store, you may consider asking about opening a store charge account to get an extra discount. While most stores offer 10% or 15% off your first purchase with a new account, some may have restrictions on sale days like Black Friday. If they don’t, you’ve scored an extra discount off of your Black Friday merch! Keep in mind, store cards usually have a high annual percentage rate (APR) so it’s a good idea to pay them in full. If you can’t, the rewards won’t be worth it. (Not sure if your finances can handle another credit card? You can view two of your scores for free on Credit.com.)

7. Divide & Conquer

If there’s a store where you need to get several items, see if you can find a friend to join you. Compare lists and help each other out. You can dash off to the electronics section to grab discounted Apple Watches, and they can check out those doorbuster beauty deals you read about.

8. Don’t Ignore the Internet

If you just can’t bear the thought of pounding the pavement and fighting the crowds for deals, stay in, grab a cup of coffee, and check out the online deals. E-commerce retailers like Amazon (see my shopping hacks here), Target, Wal-Mart, Newegg and Best Buy are your best bet, as year after year they have offered Black Friday deals. Those with physical stores (like Wal-Mart, Target and Best Buy) may have exclusive online deals.

Image: svetikd

The post 8 Black Friday Shopping Strategies appeared first on Credit.com.

Black Friday or Cyber Monday: What to Buy When

what-to-buy-on-black-friday-2016

Whether or not you mark off Black Friday on your calendar, chances are you’re wondering what bargains are out there this season. For instance, is it better to purchase a smartphone that Friday, or should you hold off until Cyber Monday? To help you break down what’s best to buy when, we turned to deal-hunting expert Rebecca Lehmann, manager of content marketing for Brad’s Deals. Here’s what she told us.

Black Friday

All Things Apple

Black Friday is a great time for buying “anything Apple,” said Lehmann, “but not directly from Apple” (i.e., you’ll want to shop for Apple products at Wal-Mart, Target and Best Buy instead). “You might still be paying $299 for an iPad Mini,” she said, “but bundled with a gift card, that could bump up the value.”

Blu Rays & DVDs

“You can count on all that kind of stuff for Black Friday,” Lehmann said of Blu Rays and DVDs.

TVs and Cameras 

At times you can score deals on minor stuff like home goods and other categories, but for the most part you’ll want to hone in on electronics. For Lehmann, that means keep your eyes peeled for cameras, flat-screen TVs and laptops.

Smartphones

“If you need a new phone, Black Friday is hands-down the day to do it,” said Lehmann. “You’ll get a really good price on your trade-in, which you can then apply to your phone, and signing up for a contract lowers the price even more.” If you miss out on the Black Friday deals, don’t despair: The prices you see on phones now are generally “the prices they’re going to be for the whole season,” Lehmann said.

Vacuums

“We see a lot of vacuum deals for Black Friday,” said Lehmann.

Winter Wardrobe Staples

Out of boots? Need a new puffer coat? Now’s the time to scoop those winter duds up, said Lehmann. “Anything you need to pad up your winter wardrobe, Black Friday is the time to do it.”

Cyber Monday 

Airfare

“There are always going to be airfare sales on Cyber Monday,” said Lehmann, especially among discount carriers like Spirit, JetBlue and Virgin America. Just know they usually have blackout days over the holidays so you’ll need to plan your trip for next spring.

Computers & Laptops

This is really where places like Newegg, the popular online computer goods store, shine, said Lehman. “They have a little bit of everything, electronics and audio, and they’re very competitive.” Expect to see similar deals nationwide.

Online-Only Stores

“The best deals for Cyber Monday will be on websites that just don’t have bricks-and-mortar locations,” said Lehmann. Think home decor sites like Etsy, Minted, Society6, and so on.

Right Before Christmas

Toys

“Toys are never at their best on Black Friday,” said Lehmann, who advised waiting until the last two weeks before Christmas to buy them. You can learn how to get the toys your kids actually want here.

Remember, scoring a bargain never hurts, especially on items you’ve been meaning to buy. But if you’re going over budget or even racking up debt, then perhaps it’s time to take a step back. You can see where your finances stand — and what areas you need to improve — by signing up for a free summary of your credit report, updated every 14 days, on Credit.com.

Image: Kikovic

The post Black Friday or Cyber Monday: What to Buy When appeared first on Credit.com.

Black Friday 2016: Store Hours

black-friday-store-hours

Some shoppers wait all year for Black Friday, the day after Thanksgiving, when stores offer some of their best deals of the season. Some stores offer deals on Thanksgiving, while others remain closed on Thursday but open in the wee hours in the morning on Friday to let the shoppers begin their deal hunting. Sometimes, stores have a limited quantity of some items, and enthusiasts camp out the entire night in front of the store to secure their sale items (it actually becomes a social occasion). So if you’re not planning on being a happy camper, it’s best to plan heading to the stores with your favorite deals earliest in your day.

The holiday season can account for 30% of a retailer’s annual sales, according to the National Retail Federation, and so, it’s in a store’s best interest to lure as many holiday shoppers through the doors as it can. According to a report from deals site RetailMeNot, most shoppers, or 60%, say they’ll be shopping according to sales and promotions, with 46% saying they’re willing to spend a full day online to scour the internet in search for the best deals. The report is based on RetailMeNot internal data, as well as Google Consumer Surveys and a RetailMeNot survey conducted by Kelton Research. With Kelton survey data, there is a margin of error of plus or minus 3.1 percentage points and Google Consumer Survey results have a margin of error of plus or minus 3.5 percentage points, according to a company spokeswoman Michelle Skupin.

Those stores with the best deals will usually have a crush of people waiting for the doors to open — 23% of shoppers plan to line up outside stores before they open — so it’s prudent to know the store hours ahead of time and plan your Black Friday shopping spree by which deals you think will be snatched up first. We’ll update this list often as more stores announce their Thanksgiving and Black Friday hours, so check back soon if you don’t see your favorite retailer on the list.

Shopping, spending and competing with the crowds for great Black Friday deals can give you an adrenaline high. Just remember to make a budget ahead of time and stick to it in order to stay out of debt. Too much debt on your credit card can affect your credit score, which, in turn, can hurt your chances of getting low interest loans in the future. You can see how your credit card use affects your credit scores by reviewing them for free, updated every 14 days, on Credit.com.

BJ’s Wholesale Club

Thanksgiving: Closed
Black Friday: Open from 7 a.m. to 10 p.m.

H.H. Gregg Appliances

Thanksgiving: Closed
Black Friday: Open from 7 a.m. to 10 p.m.

Home Depot

Thanksgiving: Closed
Black Friday: Opens at 6 a.m.

Lowes

Thanksgiving: Closed
Black Friday: Opens at 6 a.m.

Staples

Thanksgiving: Closed
Black Friday: Most locations will open at 6 a.m.

Image: monkeybusinessimages

The post Black Friday 2016: Store Hours appeared first on Credit.com.

Black Friday 2016: Store Hours

black-friday-store-hours

Some shoppers wait all year for Black Friday, the day after Thanksgiving, when stores offer some of their best deals of the season. Some stores offer deals on Thanksgiving, while others remain closed on Thursday but open in the wee hours in the morning on Friday to let the shoppers begin their deal hunting. Sometimes, stores have a limited quantity of some items, and enthusiasts camp out the entire night in front of the store to secure their sale items (it actually becomes a social occasion). So if you’re not planning on being a happy camper, it’s best to plan heading to the stores with your favorite deals earliest in your day.

The holiday season can account for 30% of a retailer’s annual sales, according to the National Retail Federation, and so, it’s in a store’s best interest to lure as many holiday shoppers through the doors as it can. According to a report from deals site RetailMeNot, most shoppers, or 60%, say they’ll be shopping according to sales and promotions, with 46% saying they’re willing to spend a full day online to scour the internet in search for the best deals. The report is based on RetailMeNot internal data, as well as Google Consumer Surveys and a RetailMeNot survey conducted by Kelton Research. With Kelton survey data, there is a margin of error of plus or minus 3.1 percentage points and Google Consumer Survey results have a margin of error of plus or minus 3.5 percentage points, according to a company spokeswoman Michelle Skupin.

Those stores with the best deals will usually have a crush of people waiting for the doors to open — 23% of shoppers plan to line up outside stores before they open — so it’s prudent to know the store hours ahead of time and plan your Black Friday shopping spree by which deals you think will be snatched up first. We’ll update this list often as more stores announce their Thanksgiving and Black Friday hours, so check back soon if you don’t see your favorite retailer on the list.

Shopping, spending and competing with the crowds for great Black Friday deals can give you an adrenaline high. Just remember to make a budget ahead of time and stick to it in order to stay out of debt. Too much debt on your credit card can affect your credit score, which, in turn, can hurt your chances of getting low interest loans in the future. You can see how your credit card use affects your credit scores by reviewing them for free, updated every 14 days, on Credit.com.

BJ’s Wholesale Club

Thanksgiving: Closed
Black Friday: Open from 7 a.m. to 10 p.m.

H.H. Gregg Appliances

Thanksgiving: Closed
Black Friday: Open from 7 a.m. to 10 p.m.

Home Depot

Thanksgiving: Closed
Black Friday: Opens at 6 a.m.

Lowes

Thanksgiving: Closed
Black Friday: Opens at 6 a.m.

Staples

Thanksgiving: Closed
Black Friday: Most locations will open at 6 a.m.

Image: monkeybusinessimages

The post Black Friday 2016: Store Hours appeared first on Credit.com.