It is time for THANKSGIVING and the day everyone is so excited about at midnight, BLACK FRIDAY! What is it that makes you so excited about BLACK FRIDAY? Is it the savings that you think you are getting? Have you ever thought about the other savings on the same items that happen throughout the year? Black Friday can be a serious TRAP  to your finances and budget. This is the time of year that people put themselves in the most DEBT. You have the time of giving (THANKSGIVING) followed by BLACK FRIDAY and then CHRISTMAS. Have you ever calculated how much money you are spending throughout this time? Whew….I’m almost positive you do not know. We as humans get so caught up in “the time of giving” and BLACK FRIDAY….that we just spend with the mindset that we are saving money on buying these certain items from clothing to electronic devices etc and forget the harm that it is causing to our bank accounts and most importantly our CREDIT! I want you to do the math and technically you are throwing away money especially if its an item that YOU DO NOT NEED! Can you live without the item you are about to purchase? If you are serious about going into 2017 with lowering your debt, saving more money, purchasing a home, etc… STAY AWAY from Black Friday! Thank me later.