How to be a financially savvy holiday shopper

Last year, retail sales during the November to December holiday season were $936.3 billion, according to the National Retail Federation. Americans are predicted to spend even more this year. Adobe Analytics projects the best discounts will land on Black Friday and Cyber Monday. But a flashy red sale sign doesn’t always mean you’re getting a bargain.

Personal finance columnist Michelle Singletary says we can avoid overspending on gifts by cutting down on our list, shopping earlier, and sticking to a budget. She also shares ideas for meaningful gifts from the heart that won’t break the bank.

You can also sign up for her free SMS course, “How to be a financially savvy holiday shopper.” Michelle will send you a short text message every day for five days to make sure you’re spending with purpose this holiday season. You can sign up by following this link .

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