🎧LISTEN: Tips on how to protect your budget and think out-of-the-box this Black Friday. Listen to the audio here:
According to the South African Reserve Bank the most recent household debt-to-income ratio in South Africa stands at 75.1%.
Pavlou says impulse buys are the number one culprit behind overspending on Black Friday but planning ahead can help you avoid falling prey to the frenzy. Black Friday was dominated by more ‘traditional’ retailers on items such as clothing, electronics and home appliances in previous years, but all kinds of retailers and service providers have jumped on the bandwagon since by finding innovative ways to get in on the action.
Allow yourself to be guided by what is already on your list and visit the websites and social media pages of those retailers to identify whether there are ways that you can use cashback or discount deals to hack your way to some bonus savings, Pavlou advises.When you buy on credit
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