How to set your Cyber Monday shopping strategy

How To Be A Savvy Shopper Amid Cyber Monday Hype
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"); $spagination = flexSlider.find(".spagination"); SPagination.Init($spagination.get( 0 ), { size: slide_obj.count, // pages size page: 1, // selected page step: 3, // pages before and after current cb: function(p){ flexSlider.flexAnimate(p-1, true); } }); } } } function gtx_gallery_slide_before(slide_obj){ var slide=slide_obj.animatingTo; $active_slide=$all_slides.eq(slide) ; slideshow_ad_loaded = false; var current_html = $active_slide.children(".gtx-ad-container").html(); if (current_html) {$active_slide.children(".gtx-ad-container").html(current_html.trim())} gtx_track_slide( slide_obj ); changeURL(parseInt($active_slide.attr("data-attachment_id"))); //THUMBS SYNC - PAGINATED THUMBNAIL NAVIGATION if($thumbs!=="" && navigation == "paginated_thumbs"){ var right_item=$slider.find(".slides li[data-i="+(slide +1 )+"]").attr("data-i-only-pics") if( right_item!= ""){ $thumbs.find("li.gtx-thumb-img").removeClass("flex-active-slide"); $thumbs.find("li.gtx-thumb-img[data-i="+(slide +1 )+"]").addClass("flex-active-slide"); $page=$thumbs.find(".slides>li").has("li[data-i="+(slide +1 )+"]"); $thumbs.flexAnimate($page.index(), true); } } } function gtx_gallery_slide_after(slide_obj){ var slide=slide_obj.animatingTo; $active_slide=$all_slides.eq(slide) ; if($active_slide.hasClass("gtx-ad-slide")==1){ if ($active_slide.find('iframe').length === 1) { $active_slide.find('iframe')[0].remove(); } $slider.delay(100).queue(function(){ $(this).addClass("gtx-gallery-loading").dequeue(); }); $ad_container=$active_slide.children(".gtx-ad-container").first(); if ($($ad_container).html().length li[data-i="+(slide +1 )+"]").attr("data-i-only-pics") if( right_item!= ""){ $thumbs.find("li.gtx-thumb-img").removeClass("flex-active-slide"); $thumbs.find("li.gtx-thumb-img").eq(right_item -1 ).addClass("flex-active-slide"); $thumbs.flexAnimate(right_item-1, true); } } if(typeof(googletag) != "undefined" && googletag !== null && googletag.pubads){ // Refresh ads within view var tmp_now=new Date().getTime(); var last_refresh_diff= tmp_now - last_ad_refresh; if(last_refresh_diff > 1000){ reset_ads_and_refresh(); last_ad_refresh=tmp_now; } } //LAZY LOAD range=5; var $slides_to_hanle=$all_slides.slice(slide, slide + range +1); if(slide - range >= 0){ $slides_to_hanle=$.merge($slides_to_hanle, $all_slides.slice(slide - range, slide )); }else{ $slides_to_hanle=$.merge($slides_to_hanle, $all_slides.slice(0, range )); $slides_to_hanle=$.merge($slides_to_hanle, $all_slides.slice(range * -1 )); } if(slide + range >= $all_slides.size()){ //handle first slides $slides_to_hanle= $.merge($slides_to_hanle, $all_slides.slice(0,range)); } $slides_to_hanle.find(".gtx-image-container[data-background]").each(function () { var src = $(this).attr("data-background"); $(this).css("background-image", "url("+src+")").removeAttr("data-background"); }); adjustNavHeight(); if( typeof SPagination !== "undefined" && flexSlider.find(".spagination").length>0 ){ if(SPagination.page != slide+1){ SPagination.page = slide + 1; SPagination.Start(); } } } function reset_ads_and_refresh(){ if(!advanced_ad_refresh){ // if option is not enabled, refresh all ads googletag.pubads().refresh(); return; } if(!ads_to_refresh){ return; } var newAds = []; var fullAdsToRefresh = []; for(var i = 0; i wTop && slot.tn_positionY 8){ gtx_gallery_thumbs_set_backwards() } } function gtx_gallery_thumbs_after(slide_obj){ if(slide_obj.count > 8){ gtx_gallery_thumbs_set_backwards() } } function gtx_gallery_paginated_thumbs_start(slide_obj){ gtx_gallery_paginated_thumbs_lazy(); if(false && slide_obj.count > 8){ $thumbs.find(".flex-control-nav.flex-control-paging").removeClass("flex-control-paging").addClass("g-pagination"); } if(slide_obj.count > 8){ $thumbs.find(".flex-control-nav.flex-control-paging").hide().after("

"); $pagination = $thumbs.find(".spagination"); SPagination.Init($pagination.get( 0 ), { size: slide_obj.count, // pages size page: 1, // selected page step: 3, // pages before and after current cb: function(p){ $thumbs.flexAnimate(p-1, true); } }); } } function gtx_gallery_paginated_thumbs_before(slide_obj){ var slide=(typeof slide_obj == "object" && slide_obj.animatingTo ? slide_obj.animatingTo : 0); gtx_gallery_paginated_thumbs_lazy(slide_obj); } function gtx_gallery_paginated_thumbs_after(slide_obj){ var slide=(typeof slide_obj == "object" && slide_obj.animatingTo ? slide_obj.animatingTo : 0); //THUMBS SYNC - Go to first slide of this batch if($thumbs!=="" && navigation == "paginated_thumbs"){ var $active_slide=$slider.find(".slides>li.flex-active-slide"); var $active_thumb_page=$thumbs.find(".slides>li.flex-active-slide"); //Check if the current slide is within this thumb batch if(!$active_thumb_page.find("li[data-i="+$active_slide.attr("data-i")+"]").size()){ first_thumb=$active_thumb_page.find("li").first().attr("data-i"); flexSlider.flexAnimate(first_thumb - 1, true); } } if( typeof SPagination !== "undefined" && $thumbs.find(".spagination").length>0 ){ if(SPagination.page != slide+1){ SPagination.page = slide + 1; SPagination.Start(); } } } function gtx_gallery_paginated_thumbs_lazy(slide_obj){ var slide=(typeof slide_obj == "object" && slide_obj.animatingTo ? slide_obj.animatingTo : 0); //LAZY LOAD THUMBS if($all_thumbs!=="" && navigation == "paginated_thumbs"){ range=1; var $slides_to_hanle=$all_thumbs.slice(slide, slide + range + 1); if(slide - range >= 0){ $slides_to_hanle=$.merge($slides_to_hanle, $all_thumbs.slice(slide - range, slide )); }else{ $slides_to_hanle=$.merge($slides_to_hanle, $all_thumbs.slice(0, range )); $slides_to_hanle=$.merge($slides_to_hanle, $all_thumbs.slice(range * -1 )); } if(slide + range >= $all_thumbs.size()){ //handle first slides $slides_to_hanle= $.merge($slides_to_hanle, $all_thumbs.slice(0,range)); } $slides_to_hanle.each(function () { $(this).find("img[lazy-src]").each(function () { var src = $(this).attr("lazy-src"); if(!src) return; $(this).attr("src",src).removeAttr("lazy-src"); $thumbs.find("img[lazy-src=\""+src+"\"]").attr("src",src).removeAttr("lazy-src"); }); }); } } function adjustNavHeight(){ imageHeight = flexSlider.find(".gtx-slide-img.flex-active-slide .gtx-image-container").outerHeight(); if(imageHeight > 0){ flexSlider.find(".flex-prev,.flex-next").css("top",Math.round(imageHeight/2)); } } var nextSlotId = 1; function generateNextSlotName() { var id = nextSlotId++; return "adslot_" + id+"_"+Math.floor( Date.now() / 1000 ); } function addAdInto(selector,options) { try{ gtx_gallery_enable_dfp(); }catch(err) { } var slide=options.slide || -1; var slotName = generateNextSlotName(); var ad_index = 0; // Create a div for the slot var slotDiv = document.createElement('div'); slotDiv.id = slotName; // Id must be the same as slotName $( selector ).append( slotDiv ); try{ ad_index=$( selector ).closest(".gtx-ad-slide").attr("data-i-only-ads"); }catch(err) { } // Define the slot itself, call display() to // register the div and refresh() to fetch ad. googletag.cmd.push(function() { slideshow_ad_loaded = true; adslots[slotName] = googletag.defineSlot('/21745780820/koam/lifestyle/family/how-to-set-your-cyber-monday-shopping-strategy', [300, 250], slotName) .addService(googletag.pubads()) .setTargeting("placement", "gallery") .setTargeting("slide", slide) .setTargeting("post", '4884512') .setTargeting("category", '["family","holidays","money"]') .setTargeting("galleryAdIndex", ad_index); googletag.display(slotName); googletag.sizeMapping().addSize( [0,0], [[300,250]]) googletag.pubads().refresh([adslots[slotName]]); }); } gtx_gallery_syncHash = function(path){ pic = ""; re = /pic\/?([0-9]+)\/?$/i; if(!path && window.location.hash && window.location.hash.match(re)) path = window.location.hash; if(!path && window.location.pathname && window.location.pathname.match(re)) path = window.location.pathname; if(path){ matchslide = path.match(re); if(matchslide && matchslide[1]>0){ pic = parseInt(matchslide[1]); } if(!isNaN(pic) && pic > 0){ slide=get_slide_by_attachment_id(pic); if(slide>0){ avoid_next_pageview = true; flexSlider.flexAnimate(slide - 1, true); } } }else{ gtx_track_slide( ) } } function debounce(func, wait, immediate) { var timeout; return function() { var context = this, args = arguments; var later = function() { timeout = null; if (!immediate) func.apply(context, args); }; var callNow = immediate && !timeout; clearTimeout(timeout); timeout = setTimeout(later, wait); if (callNow) func.apply(context, args); }; }; // delay the url state replacement to avoid overload // RAYOS-271 var efficientlyReplaceState = debounce(function(title, path){ window.history.replaceState({}, title, path); }, 1250) function changeURL(pic){ basepath = window.location.pathname.replace(/\/pic\/?([0-9]+)\/?$/i,"/"); if(isNaN(pic)) return; path = basepath + "pic/"+pic+"/"; title = "Pic "+pic; if (typeof(window.history.replaceState) == "function") { efficientlyReplaceState(title, path) } else { window.location.hash = path; } } function get_slide_by_attachment_id(id){ var slide=$slider.find(".slides li[data-attachment_id="+id+"]").attr("data-i"); return parseInt(slide, 10); } function gtx_track_slide( slide_obj ){ if(slide_obj){ var slide = slide_obj.animatingTo; }else{ var slide = 0; } $active_slide=$all_slides.eq(slide) ; if(!avoid_next_pageview){ try{ var loc=location.pathname+"#slide"+(parseInt(slide)+1); ga("send", "pageview", loc); if(ga.getByName("gtxcelTracker")){ ga("gtxcelTracker.send", "pageview", loc); } }catch(err){ } } avoid_next_pageview = false; } //Add a callback on ad render googletag.cmd.push(function() { googletag.pubads().addEventListener('slotRenderEnded', function(event) { var slotName=event.slot.getSlotElementId(); if(typeof adslots[slotName] !=="undefined" && !event.isEmpty){ $slider.clearQueue(); $slider.removeClass("gtx-gallery-loading"); } }); }); jQuery("#gtx-gallery-slider-4884512").flexslider({ animation: "slide", pauseOnHover: true, prevText: "", nextText: "", slideshow: false, controlNav: true, init: gtx_gallery_slide_init, start: gtx_gallery_slide_start, before: gtx_gallery_slide_before, after: gtx_gallery_slide_after }); if(mobile_mode){ $slider.find(".flex-direction-nav").hide(); } });

The Monday following Thanksgiving, known as Cyber Monday, has historically been a one-day, online-exclusive sale event. But now, as Black Friday, Cyber Monday and other holiday season sales increasingly expand and blend into one another, it’s becoming more difficult to resist the constant pressure to shop.

A solid strategy can help you make the most of Cyber Monday without busting your budget. Here’s what to do.

Know what’s on sale

Cyber Monday (Nov. 28 this year) is a great opportunity to save money if the deals match your shopping. So what’s likely to go on sale?

“Retailers have been extremely cautious with supply chain issues, and it looks like they’ve stocked up quite a bit. So I think if everybody continues to do that, we’re going to see large category-level sales,” says Jay Klauminzer, CEO of Raise, a discount gift card marketplace.

For example, major retailers may offer steep savings throughout furniture, apparel or other departments. In addition, Klauminzer expects shoppers will see bigger bargains on consumer electronics such as laptops, TVs, phones and headphones, as well as discounts on hotels, cruise lines and other travel bookings.

Check retailer announcements for updates on what will be marked down, and watch for deals early. Some retailers plan to launch cyber sales before Cyber Monday officially lands. For example, Kohl’s Cyber Kickoff event starts Saturday, Nov. 26, and Macy’s Cyber Monday sale runs from Nov. 27-28.

Use shopping tools to maximize savings

You’ll already be online, so why not use a shopping app or browser extension to save time and money? Reputable tools like PayPal Honey, ShopSavvy, Rakuten and Slide can help you compare prices, find coupons and earn cash back on Cyber Monday purchases. Explore multiple tools ahead of Cyber Monday to find the ones you like.

“Comparison shopping is still always going to be your best friend,” says Chris Costello, senior director of marketing research at Skai, a marketing platform.

Using a search engine to look up a product is another simple way to scope out the best prices across retailers. But Costello says that shoppers who go this route may also be more likely to encounter advertisements alongside regular product listings. Ads, which are labeled as such and are often featured prominently in search results, can make better deals less visible.

“Yes, you are doing your research, but at the same time the advertisers and the brands are trying to win you over,” Costello says.

<p>Shopping tools can help you compare prices, find coupons and earn cash back on Cyber Monday purchases. Explore multiple tools beforehand to find the ones you like.</p>

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Cheerful young gay couple smiling cheerfully while shopping online at home. Two young male lovers using a credit card and a laptop to make a purchase online. Young gay couple sitting together indoors.

Understand your budget and your payment options

It’s easy to get carried away with holiday spending, especially online shopping. The convenience of paying with credit cards, “buy now, pay later” plans and services like PayPal can put your finances at risk.

Make a list of everything you plan to buy and set a spending limit before shopping. Knowing how much money you have coming in and going out each month will help you identify an amount you can realistically spend without compromising your emergency savings or racking up debt that you can’t pay off immediately.

As you plan your budget, think about this: “Do you already have credit card debt? Can you really afford to take on any additional debt?” says Sharita Humphrey, a Houston-based certified financial education instructor. “Asking, ‘Where am I financially?’ I think that’s going to help us to understand how to properly make financial decisions that may impact our credit.”

Keep track of your purchases and add up the expenses as you shop. That way, you’ll know if you’re approaching your spending limit. If you take on debt, compare the cost of different payment methods first. Make sure you’re aware of payment deadlines and any interest charges or fees you may face if you cannot pay on time or in full. Losing track of these details could make your purchase significantly more expensive.

“Throwing it on your credit card bill thinking you’ll get to it eventually and ending up paying 25% interest over time and it takes you two years to pay it off, that’s where consumers start to get into trouble,” Klauminzer says.

Resist the urge to buy everything immediately

As short-lived as holiday deals may seem, take comfort that Cyber Monday won’t be your last chance to score discounts. Some retailers stretch out Cyber Monday savings into a full Cyber Week. And experts are confident that there will be plenty of deals to go around.

“I don’t think that this year will have the same kind of ‘snooze you lose’ environment that the supply chain issues of last year might have had,” Costello says. “You can be more patient because I think we are going to see those deals later into the season.”

If you don’t find deals on the goods you want now, check again in a few days or weeks.

“Certain categories don’t move like retailers thought they would, and they need to clear those before the holidays. And so you’ll see, actually, sporadic, big deals pop up throughout the month of December as well,” Klauminzer says.

Keep your budget top of mind, whether or not there’s a discount at stake. Before adding an item to your virtual shopping bag, ask yourself, “‘Is this something I need right now? Is this something that I can save towards?’” Humphrey says. Then you can decide whether it’s in your best interest to delay the purchase by a couple of weeks or months or skip it indefinitely.

It’s important to think long term and focus on “not getting caught up in the frenzy so much that we end up feeling financially overwhelmed after the holidays have ended,” Humphrey says.

 

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