Black Friday isn’t Free: Why sales season might cost you more than you think

As November rolls into December, so does a tidal wave of “unmissable deals.” From Black Friday to Cyber Monday and pre-Christmas sales, it’s all designed to make us act fast and spend first - and think later.

Buy Now Pay Later options make it even easier to fall into the trap. But what looks like a bargain today can quietly become an expensive debt tomorrow.

At Money Sweetspot, we believe in lending with empathy, education, and a plan. We see the impact of over-commitment every day - and we help people reset, rebuild, and take back control.

This sales season, we’re encouraging Kiwis to:

1. Shop mindfully
2. Understand the long game
3. And protect their future selves from short-term pressure

What to Watch For:

• ‍Flash sales that feed urgency - “Only 2 hours left!” is a tactic, not a reason.  
• ‍BNPL disguised as freedom - It’s not free if you miss a payment. Some providers charge up to 29% interest.  
• ‍Unrealistic expectations for Christmas - The pressure to give doesn’t have to cost your financial wellbeing.

If you're feeling the pull:

• Stop. Breathe. Reconnect with your goals.
• Ask: is this something future-you will thank you for?
• Use your tools. Set your budget. Get support if you need it.  

We’re not here to tell you not to shop. We’re here to make sure you don’t get stuck.

Because Christmas should be a celebration - not a setback.

Want to explore safer ways to manage your money? Learn more about how we help.

Want to support your team’s financial wellbeing? Visit our Business Partnerships page.