by AKANI CHAUKE
JOHANNESBURG, (CAJ News) – BLACK Friday has evolved from a single day of bargains into a season-long shopping frenzy.
For South Africans, it’s often where saving meets spending — but the difference between a great deal and financial regret lies in preparation.
According to First National Bank (FNB), last year’s spending patterns showed customers prioritising essentials such as groceries, clothing, entertainment, and travel — a welcome shift toward more purposeful, needs-based shopping.
“Black Friday can offer genuine value when approached with planning and discipline,” says Ester Ochse, Product Head of Integrated Advice at FNB.
“Without a plan, emotional spending can quickly lead to debt and regret. Knowing your limits and setting priorities is key.”
FNB shares five ways to shop smarter this Black Friday urging customers to know their financial bandwidth, tart with their budget.
“After covering essentials and savings, only spend what remains. This helps prevent overextending when discounts tempt you,” Ochse.
- Create a priority list: Identify purchases that genuinely support your lifestyle or long-term goals. A clear list keeps you focused and reduces impulse buying.
- Research before the rush: Compare prices early: Recognising real value — not just marketing hype — empowers smarter spending decisions.
- Use digital tools for control: Activate spending alerts or budgeting tools in the FNB App. Real-time tracking helps you stay within limits and maintain control.
- Pause before you purchase: Take a moment before buying. If the deal truly aligns with your needs, it’ll still be worth it later.
FNB encourages customers to use rewards like eBucks and digital tools such as Nav» Money and Nav» Home to align spending with broader financial goals.
As Ochse concludes: “The power lies in preparation. Plan first, swipe later — and let your money follow your goals, not your emotions.”
– CAJ News