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Black Friday is nearly upon us. You’ve made your list. You’ve checked it twice. Now all you’ve got to do is brace yourself for the lines, the pushing, the shoving and the headaches.

There’s got to be a better way.

The National Retail Foundation reported that the consumers will spend an average of $967.13 on the holidays. That’s a lot of money to spend on sweaters, gadgets, wreaths and peppermint cookie tins.

Here’s the not-so-festive part:  A lot of that money ends up on our credit cards. That means we’ll be paying off the 12 days of Christmas (or eight days of Hanukkah) long into 2018.

On this week’s episode of “Teach Me How to Money,” personal finance writer Catey Hill talks sanity (and money) saving Black Friday shopping strategy.

Got a question you’d like us to answer on the show? Drop us a line at teachmehowtomoney@stash.com. We’ll do our best to get to all of them.

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