Let’s be honest — Cyber Monday isn’t about helping you save. It’s about helping retailers meet their sales goals before the end of the quarter.
Every November, the floodgates open. Emails, ads, and influencers all start echoing the same message: “The biggest savings of the year are happening Monday!” You’re told that this is your one chance to grab what you deserve. But here’s the uncomfortable truth: you you're going to pay for it, alright — with your peace, your paycheck, and your plans for the new year.
Cyber Monday was never designed for your benefit. It was partly created to squeeze the last dollars out of shoppers who are all-too-often already stretched thin. It preys on the belief that if you don’t buy now, you’ll miss out. That’s the same fear that keeps people stuck in debt, living paycheck to paycheck, and wondering why the “deals” never seem to change their financial reality.
Never forget that you are the target market. Retailers spend billions studying how you think, what makes you anxious, and how to time that 25% off banner just right. It’s not personal — but it is intentional.
It's Not Real Savings
Here’s what most people don’t realize: the majority of Cyber Monday “discounts” are not unique. Retailers raise prices weeks before, then drop them to make it appear like a steal. Others push products that are lower quality versions made specifically for holiday sales.
So while you’re feeling proud for “saving” 40%, you might have actually spent 100% of your next week’s grocery budget — on something that will lose its shine by January.
That’s the trap. You’re not just buying a product; you’re buying a momentary high that might feel go when you hit the "pay" button, but can leave you with financial regret long into the new year.
Let's Proof Some Dough
First, Recognize the Pattern. The ads will come. They always do. But this year, pause before you react. Ask yourself: Is this something I actually need, or something I’ve been told I want? Only you know, but remember - every impulsive click chips away at your ability to save for a trip, increase your savings, pay down debt or invest in your future self. Now, Redirect the Energy. If you feel that “itch to buy,” open your budgeting app and add that same amount to savings, or pay an extra $25 toward your credit card, or start a “Wish List for Later” — next month you'll be glad you did.
This Year, Choose You
Don't let heavy marketing from Cyber Monday madness pull you away from what you are really chasing; financial success. You owe yourself the peace that comes from not chasing what everyone else is chasing. Because when the packages arrive, and the credit card statements follow, only one side wins — and it’s not you.
The retailers will move on to their next campaign, but as they do, don't let your hard earned money be a part of their holiday earnings reports.
