If you’re like many Americans, you take advantage of deep discounts on the Friday after Thanksgiving, now affectionately known as Black Friday. Here are three tips to help you have the most effective shopping experience this year.

Start with a list

A successful Black Friday shopping day doesn’t consist of diving into the crowds and hoping for the best. Instead, write down the items you’re looking for and map out potential retailers the week leading up to the big day.

Find the sales fliers sooner

Websites like www.dealnews.com often publish retail sales fliers well before Black Friday. Find them online to identify where you’ll find the best deals.

Spend local

No matter if you shop locally or online, be sure to spend local, too, by using your St. Paul Federal debit or credit card. Every time you use your St. Paul Federal card it keeps money in our community.

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