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Watch Out! Here Comes Black Friday!

I don’t know about you, but I love Black Friday! I have great memories of my family finishing up the Thanksgiving dinner and hauling out all the sale papers, looking for the great deals we were going to scope out the next morning. Even if I didn’t buy anything, I still loved the adventure of waking up hours before the sunrise and standing in line outside of the local Target. I know most of you probably hate standing in the cold and can’t wait to get back home so that you can warm up, but I was with my family, so I loved it.

I have since moved away from my hometown and now live in the great state of Florida. Even though the Black Friday experience is still not quite the same as years past, I still love it! I love looking through the sale papers and finding that item that I’ve been longing after for years. Finally, it is affordable and I have the cash available to purchase it.

This year my wife and I are scoping out an SLR digital camera. I have already seen a few deals out there, but there are plenty of ads to be revealed yet (I’m really waiting for Best Buy). If you are interested in checking the ads that have already been released, check out It’s one of the best sites Black Friday sites I’ve seen. Anyway, the digital camera is something that we’ve talked about for a while. We’ve actually searched craigslist many times, but never found quite what we are looking for. We have planned for this expense, and now we are ready to find a deal.

If you didn’t catch it, notice the phrase I just used, “We have planned for this expense…” That’s right; I know what happens on Black Friday. People hear about a great deal and their adrenaline starts pumping, their eyes get big, and the feeling of anticipation floods their entire body! The only problem is, they never even thought about that item before this moment, but now that it’s a “deal”, they are willing to go out and spend a week’s paycheck to have it. We are crazy creatures aren’t we? If this is you, I completely understand. I’ve dropped a thousand bucks on gadgets back in the day. It’s fun, but it’s not going to help you get out of debt or become financially free.

Here’s my rule of thumb, if you haven’t been saving money for this item in the last two months, you don’t need it. Black Friday certainly tempts all of us, but remember to step back and think about “need vs. want”. 9 times out of 10, you’ll probably decide that it’s just another want.



My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.

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