It’s almost here, the day when people gather to share and overindulge. No, not Thanksgiving, the next day … Black Friday.

If you’re not prepared, your budget, and sanity, can take a serious hit next week. Here are a few tips to come out ahead.

Create a Budget
Don’t let yourself get caught up with the drama and excitement of the day. The thrill of the hunt can be very exciting and expensive if you’re not careful. The best option is to devote a certain dollar amount for this day and stick to it. Remember there are still a lot of shopping days until Christmas and more bargains will be offered.

Develop a Plan of Attack
Do your homework on what, exactly, you are looking for. And, have a backup item identified should you be too late for a particular bargain. Check all the ads ahead of time in order to expedite the process. Clip coupons and be ready. Crowds will be large, unruly and motivated, so come with a plan and you will have more success.

Identify the Stores You Will Shop At
Prioritize and map the stores out. What are your “must have items?” What store will help you cross off more items?

Bring the ads with you. Try to find out ahead of time which particular stores will honor other competitor’s ads. This could save valuable time on a hectic day.

Be Prepared for the Crowds
Not only will there be a crazy number of people out shopping that day, many will lose all respect for their fellow man. Be prepared for rudeness, shoving and a general loss of manners as many shop in the name of giving. Just remember to breath, count to three and purchase a backup item if necessary.

Purchases
Again, do your homework ahead of time and find out if any discounts are offered for using particular credit cards. Only charge what you can payoff within the grace period before interest accrues. This is very important! Take full advantage of the discount if possible, but only to the extent that the entire balance can be paid in full immediately. If no discounts are offered, utilize one card to pay for the day. This will keep it simple and easy to track. And, whatever you do … stick to your budget!

Gift Receipts
Always get a gift receipt. This is very important to the folks who will need to return the toaster they got 5 of last year, or to exchange the sweater that is 2 sizes too small. Gift receipts are convenient and make the process much easier for everyone.

Cyber Monday
Don’t panic if you don’t get everything you intended to buy. Cyber Monday is right around the corner and often a much easier way to purchase items you may not be able to buy in person.

Steven Shore|EVP

Checking Accounts

Premium Perks

Freedom Checking

CashBack Checking

Direct Deposit

More

Savings Accounts

Savings Accounts

Super Saver

Money Market

h

Certificates

HSA

Cards

Debit Card

Low Rate Credit Card

Rewards Credit Card

CU Rewards

Card Controls

Tools

Mobile Deposit

Online Banking

Pay Someone

eAlerts

Compare Rates

Vehicle Loans

Auto Loans

Refinance Your Car

Motorcycle & Jet Ski Loans

Boat & RV Loans

Mortgage & Home Loans

Mortgages

Refinance Your House

Home Equity Loans

Construction Loans

Personal

Personal Loans

,

StretchPay Loans

Student Loans

Credit Cards

Tools

Apply for a Loan

Pay a Loan

Online Bill Pay

Chat With Us

Financial Planning

Investments

i

Estate Planning

401(k) Rollover

Retirement Planning

Day Air Insurance

Auto Insurance

Home Insurance

Identity Theft Protection

Life Insurance

More Products & Services

RetireMEDiQ

Financial Counseling

Credit Reports

Reorder Checks

More

Online Banking

Online Banking

Online Bill Pay

Login to Online Banking

Mobile Banking

Mobile Banking

Mobile Deposit

Pay Someone

Text Banking

Tools

Apply for a Loan

Pay a Loan

eAlerts

Mobile Pay

Chat With Us

Accounts

Business Checking

Business Savings

Business Certificates

Cards

Business Debit Card

Business Credit Card

Loans

Commercial Loans

Term Loans

PPP Loans

Line of Credit

Services

Business Bill Pay

Tools

Online Business Banking

Login to Business Banking

Login to PIB MLO

Business Banking App

Join Day Air

Why Choose Day Air

Membership Eligibility

Annual Member Savings

Compare Rates

Join Day Air

Community

Community Involvement

Financial Education

Dayton VA Medical Center

Dayton Dragons

Contests & Sweepstakes

About

Press & News

Newsletters & Reports

Videos

Careers

Helpful Resources