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💰 The Deal Guy Newsletter - Issue #25

💰 The Deal Guy Newsletter - Issue #25

Plus, Early Black Friday Deals & Online-Only Costco Bargains!

Matt Granite
November 11, 2024

Despite Black Friday being right around the corner, November is NOT all about savings! I’ll reveal which purchases you do not want to make during this very confusing month.

I’ll also reveal some of the most overlooked professionals who can help you save significantly on some of the biggest purchases of your life.

What’s included this week:

✋🏼 Do NOT Buy These Items In November
👔 5 Overlooked Pros Who Can Save You Money
📰 IN THE NEWS
📋 This App Pushes You To Meet Any Goal
🏷️ Top 5 Deals of the Week
👀 MY FAVORITE EARLY BLACK FRIDAY DEALS
💻 TOP 5 ONLINE-ONLY COSTCO DEALS!

✋🏼 Do NOT Buy These Items In November

❌ Computer Parts, Desktops and Accessories: Since Cyber Monday falls in December this year, most of your best computer-related purchases should be reserved for that occasion with the exception of some mid to entry level laptop deals that circulate Black Friday.

❌ Jewelry: With the exception of a few major sales in November from folks like Zales, Blue Nile, Jame’s Allen and Kay Jewelry, the absolute lowest prices of the year appear around Valentine’s Day and in May for Mother’s Day.

❌ High End Televisions: Black Friday is notorious for TV deals but the models sold are generally low and mid end televisions.

If you are searching for a top of the line OLED or something with a 120hz+ refresh rate, the weeks leading in to the Super Bowl in February are the best promotions for high end TV’s.

❌ Toys: The two weeks that precede Christmas offer the absolute most aggressive toy price reductions of the entire year.

If you can wait, I would! Otherwise, select toys from major manufacturers will still see discounts (just not as steep) on Black Friday.

❌ Fitness Equipment: The best deals on fitness equipment are typically in January when the "New Year, New You" promotions kick in.

Otherwise, select pieces of fitness equipment will be discounted in November from Amazon, Costco, Sam’s Club and Best Buy.

👔 5 Overlooked Pros Who Can Save You $$$

✅ Travel Agent: The profession may seem outdated, but savvy travel agents can still unlock exclusive airline and hotel discounts.

Virtuoso is an example of an easy to use Travel Agent service.

For example, when I book hotels, I ask my local agent for a “HyattPrive” rate—up to 30% off standard prices—that only they can access.

✅ Financial Planner: You don’t need to be wealthy to benefit from a financial planner; even in my tightest financial times, a planner helped me manage and pay off my debt faster.

If you have financially dependent kids, it’s never too early to start key conversations about money.

✅ Insurance Broker: While you could call a national hotline for car, home, or other insurance needs, a good independent insurance agent can advocate for you during claims and offer extra support.

They can also negotiate lower rates on RV, home, and vehicle insurance than national call centers.

✅ A Home Inspector: Most people only hire a home inspector when buying or selling, but they can also help diagnose issues in your home. We had a mysterious leak that appeared to be tied to one corner of our roof but no roofer we contacted was able to stop the water intrusion.

The second I contacted a home inspector, he was able to quickly link the problem to some siding on our home and the issue was sold in five minutes (after almost two year’s of unsuccessful patch work).

✅ A Well Trained Accountant: I’m good with numbers and know tax liabilities, but I still prefer using an accountant—especially if you work from home with overlapping personal deductions.

Many certified accountants also offer “tax shield audit protection,” a low-cost insurance covering legal/tax help in case of an audit.

📰 IN THE NEWS

Every week in this section of the newsletter, I share some of the most interesting and helpful money-related articles I’ve read over the past week. I hope you find these as valuable as I did!

💵 “Consumers choose their favorite stores ahead of the holidays” - READ HERE.

💵 “How much can you really save with a space heater this winter?” - READ HERE.

💵 “7 SUVs to avoid buying in 2025” - READ HERE.

📋 This App Pushes You To Meet Any Goal

(THIS IS NOT SPONSORED)

Beeminder is a unique goal-tracking app that uses financial accountability to keep you on track. You pledge a set amount of money toward your goals and if you slip, you pay the penalty.

While it isn't for everyone—especially if you dislike high-pressure tactics — Beeminder excels at holding you accountable in a unique way. Many regular every day people seems to believe that a small financial stake is all the motivation they need to stay disciplined.

The interface is simple, and its data-driven charts help you visualize progress. Just be prepared: slipping up has literal costs. Find out more by clicking here.

📺 75” TCL 4K TV FOR $378 (Price starts at 5pm 11/11/24)
⚡️ 300W Portable Power Station for $130 ($270 OFF)
🧰 Rolling Tool Chest for $298 ($150 OFF!)
💇🏻‍♀️ $145 OFF Dyson Airwrap (Clip the coupon!)
🖼️ 90% OFF Canvas Prints!! (Limited Time)

**If you buy something through these links I may get a small share of the sale. Click here to learn more

This portion of the newsletter is sponsored by Huel

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👀 MY FAVORITE EARLY BLACK FRIDAY DEALS

I have been receiving a lot of requests for early Black Friday deals. While, I think you will see the best deals closer to the ACTUAL week of Black Friday - here are some of my early favorites so far: