Spend Without The Guilt This Black Friday

Spend Without the Guilt

Black Friday has a way of making every deal feel urgent. Then the credit card statement arrives, and that great deal doesn’t feel so great anymore. 

But it doesn’t have to be that way! When a purchase is something you planned and saved for, it stops being an impulse buy and becomes an achievement worth celebrating instead of regretting.
 

Planned Purchases Feel Different

There’s a big difference between buying a new TV because the price dropped and buying it because you’ve been saving for it since spring. Both happen at checkout, but only one leaves you wondering how you’ll pay it off. 

When you save for a purchase ahead of time, it becomes part of your long-term financial plan instead of a detour from it. You’ve planned for this, it’s in your budget, and it's an expected expense. All that’s left is to enjoy it!
 

Give Your Wish List a Home

Point Breeze Goal-Based Savings accounts let you set money aside for specific purchases so the things you want have a place in your budget. From there, you can automate deposits and watch them grow. Name a goal—a new laptop, a holiday gift, a weekend getaway—and watch it grow. There’s no limit on the number of accounts, no monthly service fees, and savings earn quarterly dividends. Plus, it takes just $5 to get started!
 

Let the Deals Come to You

With your goals funded, Black Friday becomes a chance to explore the best deals rather than an occasion where you’ll be tempted by unnecessary purchases. If the thing you’ve been saving for goes on sale, great: you pay with money that’s already set aside and keep the difference. If it doesn’t, you haven’t lost a thing, and your savings keep growing until the time is right.

Make Next Year Part of the Plan

Guilt-free spending doesn’t have to be a one-time thing. Make it a habit. After the holidays, set some new goals and create a small automatic transfer each payday. Just $50 a month starting in January means $550 is ready and waiting by next November. Learn more about automating savings. That way, next year’s purchases are already part of the plan.

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