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Commercialism and Black Friday

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Did you really get a bargain on Black Friday?Here are the numbers: Last year 195 million people spent on average $343.31 on this sale day of all sale days.This year? 212 million people spent on average $365.34 each.Apparently this is NOT a sign that we, as a whole, believe the economy is looking up. Nope. We just wanted to get those killer deals.In case you’re wondering, word on the street is electronics were the top sellers. No huge surprise there.
But I’m wondering, did we really save much?Now, if you had a nice little budget tucked away in preparation for “Everything in America is On Sale” day and you paid cash for everything, then you are doing well. I applaud you.But if, say, you used a credit card like most of us, let’s look at how much you really spent.The average annual interest rate for a credit card is 17%. If you take that $365.34 and factor in a minimum payment on your card (assuming this is the only charge on your card) of 3% or $10, you are looking at 52 payments over 4.33 years and $150 in interest.And that’s also assuming you don’t do the same thing NEXT Black Friday.So, was it really that great of a deal?Sadly, we immerse ourselves in commercialism at the expense of planning for our future.If we took the little spending here and there and invested them in real estate, we could create real wealth for the future.The question becomes how serious are you about securing your financial future. Because the last time I checked, a great deal, or a new electrical appliance, doesn’t get you any closer to retirement.Think about it.

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