So much of dealing with money and building a solid foundation of skills and knowledge begins with how you spend money – not just what you spend it on as so many people claim. With that in mind, remember that spending money can make you wealthy. Fear and scarcity and ad hoc, trial and error finance will keep you broke. Here is the history of Retail Black Friday.

And, if you are participating – start with rule number 1: use cash for your purchases even if it means having to take a cash advance on a credit card, or making a payment in advance to your credit card.