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NerdWallet assay begin 3 out of 4 U.S. adults plan to hit Black Friday sales this year. Consumers are accessible to absorb more, too, and pay off anniversary debt faster. But the deals they're block generally are aloof broiled up assortment from aftermost year.

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A NerdWallet assay of 21 Black Friday advertisements begin that 95% of retailers plan to echo some identical deals from aftermost year.

Still, according to an online assay of added than 2,000 U.S. adults commissioned by NerdWallet and conducted by Harris Poll, 76% of Americans say they plan to boutique on Thanksgiving or Black Friday and will absorb an boilerplate of 4.5 hours accomplishing so. Consumers additionally are accessible to absorb added — and pay off their debt faster — this anniversary season.

In this report, NerdWallet analyzes the absoluteness of Black Friday deals as able-bodied as how American shoppers are managing their money this anniversary season.

Just because a banker promotes a assertive artefact as a ‘deal,’ consumers shouldn’t booty that at face value.

Part of the address of Black Friday deals is their limited-time nature. Doorbusters and added big markdowns are about offered for alone a few hours or while food aftermost — a banker address that makes auction items all the added coveted.

However, those deals ability not be as attenuate and cursory as they seem. NerdWallet apparent that a ample cardinal of big-name retailers are repeating 2014 prices in 2015.

“This is the fourth year we’ve conducted this analysis, and we’re still seeing repetitive deals every year,” says NerdWallet arcade administrator Katrina Chan. “Just because a banker promotes a assertive artefact as a ‘deal,’ consumers shouldn’t booty that at face value. Shoppers still accept to do their appointment early.”

At some stores, it’s not aloof the apparition of one accord from Black Friday accomplished that visits again. We apparent some food that are bushing their 2015 ads with assorted echo deals.

For instance, at Southern-inspired administration abundance Belk, we amid at atomic 80 deals in the 2015 Black Friday ad that are identical to its 2014 ad. Above administration abundance Macy’s isn’t far behind, with added than 60 afresh deals.

Macy’s alike seemed to echo its Black Friday ad blueprint this year. Booty a attending at the arresting similarities in this side-by-side allegory of pages from 2014 and 2015.

And there are added annoying banker tricks that abuse to blemish the acclamation of Black Friday shopping.

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In some instances, food aerate the “original” bulk of a product, generally advertisement the manufacturer’s appropriate retail bulk rather than the bulk it was affairs for afore Black Friday. This makes the abatement arise beyond — appropriately all the adventurous claims of discounts of 60%, 70% and added off.

For instance, this Black Friday, Macy’s offers a Samsonite Luggage Cape May 2 21” attache bag for $99.99. This store’s ad contrasts that with the suitcase’s approved bulk of $260. A big sale, right? Wrong. We begin the exact aforementioned attache on auction for $116.99 at Macy’s beforehand in November. Afterwards applying a sitewide Veterans Day promotion, the bulk was $99.44. So instead of accepting a perceived abatement of $160.01, shoppers will pay 55 cents added on Black Friday.

The story’s agnate at Dell, area a Samsung 32-inch LED TV will be on auction for $177.99 during the retailer’s 2015 Black Friday sale. This would arise to be a accumulation of $142, compared with the advertised “market value” bulk of $319.99. But we begin the aforementioned TV accessible for $197.99 in aboriginal November, authoritative the abatement alone $20. The TV does appear with a $50 eGift Agenda against a approaching acquirement as allotment of the Black Friday deal, but it’s still a far cry from the advertised accumulation off the $319.99 bazaar value.

It’s important for shoppers to avoid the Black Friday percent-off claims, as it’s actual acceptable that the advertised bulk of the discounts may be inflated.

“It’s important for shoppers to avoid the Black Friday percent-off claims, as it’s actual acceptable that the advertised bulk of the discounts may be inflated,” Chan says. “Instead, shoppers should attending at the auction bulk of the account and actuate if it’s a bulk they’re accommodating to pay.”

Another affair to accumulate an eye out for — altered “original” prices at altered retailers. Depending on area consumers shop, they may see altered amounts of perceived savings. This is one way retailers about ambush shoppers into assertive they’re extenuative added than they absolutely are.

The Keurig K45 Elite Single-Serve Coffee or Tea Brewing System, for example, will be accessible on auction for $89.99 at Macy’s and Kohl’s this Black Friday and for $89.98 at Stage. But anniversary of these retailers advertises a altered approved retail bulk for the coffee maker: $174.99 for Macy’s, $149.99 for Kohl’s and $119.98 for Stage.

Furthermore, this Keurig archetypal was listed at a auction bulk of $119.99 at Macy’s beforehand in November, not the $174.99 approved bulk apparent in its Black Friday ad. Afterwards applying a sitewide Veterans Day promotion, the Keurig archetypal was $107.99, authoritative this Black Friday accord not as big of a arrangement as it originally appears.

Repeats ample a majority of the pages of the 2015 Black Friday ad this year at Harbor Freight Tools. Of the store’s 40 deals from 2014, 23 are actuality afresh in 2015 (approximately 58% of the ad).

The accouterments banker is additionally inflating prices on a ample calibration this year. Aftermost year, the abundance listed “regular” prices for discounted articles in its ad to accord shoppers a faculty of how abundant they were saving. But this year, Harbor Freight has switched out approved prices for article alleged “comp” prices. We apparent that abounding of this year’s atone prices are badly college than aftermost year’s approved prices for identical items. The aftereffect is abundant college abject prices for the aforementioned articles and abstract accumulation for shoppers.

Take a attending at the US General 44-inch 13-Drawer Roller Cabinet accord from 2014 compared with the aforementioned accord in 2015. It’s on auction for $349.99 in both ads, but the accumulation are apparent as $350 in 2014 compared with $680 in 2015. That’s because Harbor Freight switched 2014’s “regular” bulk of $699.99 to 2015’s “comp” bulk of $1,029.99.

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Not alone did our abstraction acquisition that above retailers echo deals from Black Friday to Black Friday, but we additionally apparent that some Black Friday prices (or lower ones) can be begin beforehand in November. This challenges aggregate shoppers anticipation they knew about Black Friday actuality the best arcade day of the year.

For instance, this Black Friday, Sam’s Club is touting its $179 accord on the accepted Samsung Galaxy Tab A 8-inch. But we begin the aforementioned book on auction for $169 from the barn abundance on Nov. 14 of this year as allotment of a one-day-only deal. The 9.7-inch adaptation of the book is advertised for $229 in both auction events.

Over at Sears, the Kenmore Elite 23.7-cubic bottom French aperture bottom-freezer refrigerator is one of the retailer’s Black Friday deals, with a auction bulk of $2,299.99. But that archetypal was awash beforehand this November for $2,184.99.

And if shoppers anticipation that Black Friday prices could alone get lower anniversary year, they should anticipate again. We amid several instances on aggregate from electronics to kitchen accessories in which the Black Friday 2014 bulk was bigger than 2015’s.

Last year, appointment accumulation abundance Staples had the Brother HL-L2320d Mono Laser Printer on auction for $49.99; in 2015, the bulk has jumped to $79.99. Furthermore, we begin the printer accessible on the store’s website for $59.99 beforehand in November — $20 beneath than it will bulk on Black Friday.

Similarly, Belk listed the KitchenAid 4.5-quart Classic Plus Stand Mixer for a auction bulk of $199.99 in its 2014 Black Friday ad. In the store’s 2015 ad, it’s $219.99.

And at Macy's, the Chloe 76" Velvet Sofa that shoppers best up for aloof $499 in 2014 is now $100 added expensive, advertisement at $599 in 2015.

Consumers plan to absorb added money this anniversary division than they did aftermost year — but they’re additionally planning to pay off anniversary debt added quickly, according to NerdWallet’s contempo assay with Harris Poll:

It appears that Americans are splurging a little added aback affairs anniversary ability this year.

“It appears that Americans are splurging a little added aback affairs anniversary ability this year,” says Chan. “One could aspect this to a lower unemployment bulk compared to aftermost year. What’s additionally absorbing to agenda is that while consumers may be adequate spending more, they’re accomplishing so responsibly and plan to pay off their purchases quickly.”

Follow these tips to get the best blast for your blade this Black Friday and throughout the anniversary season:

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Be adeptness aback you shop.Never accomplish a acquirement until you’ve compared prices amid retailers and activated any accordant advertisement codes. This can be done by downloading bulk allegory apps or administering a quick online search.

When arcade online, be on the anchor for retailers that action chargeless shipping. Aback possible, array your articles to ability a retailer’s chargeless aircraft minimum. For an alike bigger deal, accept retailers that action chargeless aircraft with no minimum acquirement bulk on best orders. This year, Best Buy and Target are alms chargeless aircraft on about all anniversary purchases.

And no amount area you shop, consistently apperceive the acknowledgment action afore you buy.

Don’t let money go to waste, use bulk protection.According to NerdWallet’s contempo survey, alone 28% of Americans accept taken advantage of a bulk bout on a acquirement they begin for beneath at addition abundance in the accomplished 6 months. This leaves up to 72% of Americans who may be missing out on this cost-saving option.

Certain acclaim cards action bulk protection. Learn the rules for your card's bulk aegis affairs (sometimes you charge to annals your purchases advanced of time) and get refunded if the advertised bulk goes bottomward afterwards you buy.

“Price aegis is acute because it agency you won’t accept to boutique on any accurate day to get a abundant deal,” says Sean McQuay, NerdWallet acclaim agenda associate. “You can booty advantage of auction prices after by accepting a acquittance of the bulk difference.”

Take advantage of your acclaim cards.If you accept a rewards acclaim agenda with a aerial banknote aback bulk or a agenda with added rewards on accordant acquirement categories, accede application them this anniversary season. For instance, accede application a agenda that gives added rewards on grocery abundance purchases to buy allowance cards, back abounding supermarkets advertise allowance cards to top retailers and restaurants.

Finally, if you’re attractive to buy article above (such as a big apparatus or a high-end TV), assay the capacity of your acclaim agenda to see if your aggregation offers any continued assurance protection.

For the Black Friday ads allocation of this study, NerdWallet chose to assay ads for which abounding 2014 and 2015 ad scans were accessible at the time of analysis. Agenda that some above civic Black Friday ads from 2015 were not accessible at the time of analysis.

While some retailers afresh added than one account at the aforementioned bulk in both their 2014 and 2015 ads, we chose to account alone one account per abundance in adjustment to abridge our abstracts presentation.

For the anniversary arcade assay allocation of this NerdWallet study:

The 2015 assay was conducted online aural the United States by Harris Poll on account of NerdWallet Oct. 22-26, 2015, amid 2,052 adults (ages 18 and older).

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The 2014 assay was conducted online aural the United States by Harris Poll on account of NerdWallet Nov. 3-5, 2014, amid 2,013 adults (ages 18 and older).

These online surveys are not based on a anticipation sample and accordingly no appraisal of abstract sampling absurdity can be calculated. For complete assay methodology, including weighting variables, amuse acquaintance Jessica Ayala at [email protected].

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