Black Friday Shopping Tips: How to Save Smart and Shop Securely

Black Friday is almost here, and with it comes exciting deals, big discounts, and plenty of opportunity to stretch your budget further. But between flash sales, crowded stores, and online promotions, it’s easy to overspend or let your guard down. MIT Federal Credit Union is here to help you make the most of this shopping season—without breaking your budget or compromising your financial security.

Plan Before You Buy

Start with a clear plan and budget. Make a list of the items you truly need (or have been saving for), then set a maximum amount you’re willing to spend overall. Use online wish lists or comparison tools to track prices in advance so you can spot genuine discounts versus inflated “sale” prices.

Stay Cyber-Safe

Online scams often spike during the holidays. Always shop through official retailer websites or trusted apps, and avoid clicking on suspicious email links or pop-up ads. Use two-factor authentication where possible and set up purchase alerts on your MIT FCU accounts for added protection.

Look Out for Better Financing Options

Before signing up for a store credit card or financing plan, compare the rates and terms. MIT FCU offers low-rate personal loans and credit card options that might be a smarter way to pay off purchases without high interest or hidden fees.

Don’t Forget Small Business Saturday

After the Black Friday rush, consider supporting local shops and small businesses in your community. Not only will you find unique gifts, but your dollars will go right back into supporting the local economy.