1. Make a list

It is all too easy to get tempted by bargains on Black Friday or Cyber Monday.

Avoid buying things you do not need by making a list of what you want to buy before the sales start as well as thinking about:

  • Who you are buying for

  • How much you are willing to spend on each item

  • What Christmas gifts you need to buy

  • Is there anything you need for yourself?

  • Which items are must buys and which can wait until later

2. Check the price

If the item you are after has 50% off the RRP it is all too tempting to rush to buy it without shopping around.

There are lots of offers up for grabs over Black Friday though, so double check you are really getting the best price before you order.

Watch out for delivery costs

If you are shopping online, delivery charges can quickly add up and eat into your budget.

Some websites slash the cost of sale items only to add hefty delivery charges to your order, so check the total cost of getting each item delivered to your door.

It may cost less overall to buy a slightly more expensive item that comes with free delivery.

3. Know your rights

Shop in a store and you have no automatic right to a refund if you change your mind, instead it is down to the store's discretion and returns policy.

If you shop online you get 14 days to cancel your order and get a full refund from the retailer, including the cost of delivery.

Faulty items

You can get a full cash refund from the retailer if you return it within 30 days, and it does not matter whether you bought it online or in store.

Speak to the retailer not the manufacturer because it is their responsibility to give you a refund.

Get extra protection

If you are buying something worth over 100 then you can get extra protection when you pay with your credit card thanks to Section 75 cover.

Buying something worth less than 100? Then pay with your debit or credit card to get Chargeback cover instead.