Issue #045: The Black Friday HACKS They Don’t Want You To Know

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BLACK FRIDAY IS HERE 🛒

Just over a month ago, I told you we were 36 days away from the most chaotic shopping day of the year.

Now?

We’re less than 24 hours out.

So let’s talk HACKS - the ones I’ve learned over the years that have seriously saved my bank on Black Friday.

📝 1. Make a List

If you haven’t made one yet, now’s the time. Walking into Black Friday without a plan is a trap - trust me. That’s how you end up with a cart full of random stuff you don’t need.

Stick to your list. No exceptions. Future you will thank you.

💳 2. Set a Budget

Even with a list, it’s easy to get carried away. Give yourself a spending limit and stay disciplined. No sneaky “I’ll just put it on my credit card” moments - those impulse buys add up fast.

🔍 3. Use Price Tracking Tools

I’m a bit of a ‘sales’ non-believer… for good reason. Many prices aren’t actually as good as they seem. In fact:

Using tracking tools will reveal whether you’re really getting that bargain or not.

My personal faves are:

• Keepa

• PriceSpy

• CamelCamelCamel

🛍 4. Keep Your Receipts

This one’s a game changer. Did you know that 30% of Black Friday deals are cheaper in December? If I see something drop in price later, I return it and buy it again.

Annoying? Maybe. But hey, money saved is money earned.

🤝 5. Take Advantage of Price Matching

Places like John Lewis and Currys are gold for this. If I find something cheaper elsewhere, they’ll match the price.

💡Bonus hack: they usually throw in an extended warranty too. Always ask - it takes two minutes, and it works.

💳 6. Section 75

Black Friday can be a goldmine for scammers, so don’t take any chances. If you’re making big purchases, use a credit card instead of a debit card.

Thanks to Section 75 of the Consumer Credit Act, your credit card provider is legally required to refund you if something goes wrong, like fraud or non-delivery.

BUT - and this is key - only spend what you can afford to pay off in full. Otherwise, those interest charges will undo any savings you made on the deal.

Spend smart and stay safe.

OVER TO YOU 🫵

Let me know if you have any other money saving hacks for this Black Friday, I might share some in future newsletters!

Oh and if you want an actual deal this weekend, how about a free share? (beat that Amazon)👇

📈Getting Started With Investing

The no.1 question I always get asked about investing is:

“What is the best platform for beginners?”

Over the past few years, I have tried EVERY major player in the game, and I can safely tell you that I have hands down found the best one that ticks every single bucket when it comes to investing for beginners (plus it’s where I invest right now).

TRADING 212

In fact, I rate them so highly, that I reached out to them asking if I could gift my newsletter audience something special when they sign up!

AND THEY SAID YES

Any guess who the platform is yet?

So…

If you sign up for a Trading 212 Investing account or a Stocks and Shares ISA through:

THIS VERY SPECIAL LINK

or use code GN when you sign up, you can get a free fractional share worth up to £100 when you deposit JUST £1.

Remember that when investing, your capital is at risk and your investments may rise and fall. T&C’s apply.

p.s. They also have a cash ISA paying 5.15% DAILY!

Whenever you're ready, there are ways I can help you.

1. ​Hit reply to this email: I try to respond to every single question I get from these newsletters, so please don’t be shy!

2. ​The Budgeting Template PRO: Most of you have probably tried the lite version, but the PRO is what I use in my day to day life. (use the code ‘letstalkmoney’ for 30% off)

3. Remember to get your FREE fraction share worth up to £100 worth up to £100 when you sign up to Trading 212 with THIS LINK

^{DISCLAIMER: None of the above is financial advice. This newsletter is strictly education and should not be taken as investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and always do your own research.}