It’s the most highly anticipated shopping day of the year, but to really make the most of Black Friday, there’s a lot you need to know. There are some of the greatest deals on the year offered, but you also need the cash or credit to get the items you and your family need into your shopping cart. We’re here to help kick off your holiday season the right way and make the most of your Black Friday shopping:

1. Pre-Qualify For A Gold MasterCard

We all make New Years’ resolutions that go unfulfilled. Well, this year can be different. You can pre-qualify for the Milestone Gold MasterCard and see if opening a new credit card works for you.

Milestone Gold MasterCard comes with a minimum $300 opening line of credit based on your creditworthiness. It also has a first-year annual fee as well. That will also be based on your creditworthiness. The APR is lower than most credit cards for people who have less than perfect credit, 24.9%. It can be a great way to set a new credit milestone for 2020 and get your finances on the right track for 2020.

• Pre-Qualify Now

2. Apply For An Easy Loan

Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison and recommendation engine for financial services created “Fiona”.

Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds, so you can get instantly matched with the right personalized offer all in one place. You can borrow as much as $100,000, with loan terms up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply.

• Get Fiona Now

3. Stuff Your Stocking With Cash

SwagBucks is one of the leading online market research companies in the U.S.

They give out over 7,000 gift cards a day to customers for Amazon, Walmart, Target and more just for surfing the web and watching videos.

It’s easy to make an extra $5 in one day, by watching a few videos. That translates to some serious extra cash in your pocket each month. Time to buy the serious Christmas lawn decorations and show the neighbors who’s boss this year.

• Stuff Your Stocking

4. Get An Interest Free Cash Advance - Before Black Friday

Living paycheck to paycheck is the worse feeling to have. If you have a full-time job, you should have access to cash when you need it.

That’s why they made Earnin! Earnin is an amazing mobile app that gives you access to your paycheck before payday. This no interest, cash advance gives you access to your paycheck based on the number of days you have worked. You can have money in your account before payday. The fees you pay are voluntary. Earnin is a MUST HAVE app to make sure you never have to use a payday loan ever again.

• Get Paid Now

5. Save On All Your Online Cyber-Monday Shopping: No Coupon Codes Needed

Did you now that most major online retailers like Kohl’s, Walmart, Macy’s, Target and more price guarantee their products. What does that mean? Well, if you buy a sweater today and it goes on sale tomorrow, you are due the difference in price. But, you the consumer, must go to Walmart and tell them that they owe you money.

That’s were Paribus, from Capital One, comes in. Paribus can save you real cash by tracking all the items you buy online and making sure you paid the lowest price. Paribus is a simple app that scans your email confirmations from the online stores you shop at most. If you should have paid a lower price, Paribus can start the refund process for you. Your money can be refunded back to your credit or debit card. Paribus compensates us when you sign up for Paribus using the links provided.

• Save With Paribus

Bonus Tip: Use This Trick For Long Term Debt Management

If you own your home, chances are you have a mortgage. What would happen if you or your spouse died? How would you pay the mortgage? A trick many people do is get an inexpensive life insurance policy to cover the mortgage in case they day.

A term life policy from Bestow Life Insurance is easy and affordable. Plans start at $3/month. If your relatively healthy and between the ages of 21-55 you can easily qualify. There are NO medical exams. Unless you plan on hitting the lottery, you should think about getting an affordable life insurance policy. Don’t leave your family with a pile of bills that don’t have Ben Franklin’s picture on it.