So it seems with Christmas shopping bargain days.
Black Friday has just passed and today is Cyber Monday. Each have become big shopping days on both sides of the Pond. Last Friday many people hit the shops attracted by huge price cuts and today the same is happening online. Is all as it seems though?
It is so easy to get sucked into spending unnecessarily. You buy in haste and repent at leisure. This year remember it is still in reality a consumer market. Businesses want your trade. That does not stop some of them throwing the odd rogue item into the pot.
This year more than ever retailers will be trying hard to get you to part with your hard-earned money. There will be pre-Christmas sales and bargains long after today. With Christmas a few weeks away perhaps it would be wiser to hang fire. Shop around, be it online or on the High Street, take your time and purchase well.
Bargains are sometimes far from that. They could be second-rate, last year's model or simply stock that is hard to shift. Once it is dressed up with a fancy cut-price sign you may find it hard to resist.
Consider all the implications of your purchase before you buy.
Cyber Monday also increases the temptation to buy now and pay later. Not a good idea. Pay for purchases online with a switch or debit card so you are not paying for Christmas well into the New Year or even beyond.
One factor specific to the UK is that this week Chancellor George Osborne will announce to the country his Autumn statement, or Budget. It is doubtful that it will have a real positive effect on retail trade but it could. It could also cost you dearly in many ways. Brits take care and look after your money this cyber Monday.
Perhaps the rest of you would be wise to follow suit too!