Black Friday Is Coming, So Let’s Talk About Your Financial Health (Not Just Your Shopping Cart)

Black Friday is nearly here, and while the internet is warming up its offers, your real savings opportunity isn’t in your shopping basket...It’s in your financial health.

Unlike a flash sale, these opportunities actually put money back in your account, not take it out. The potential savings are insane - illustrating with gain values from an (anonymous) client, 58k per year..!

Below are some of the smartest, high impact moves you can make, or get your own coach and build a personalised approach to achieve your financial freedom.

1. Make your assets work for you, up to 42k a year

Yes, really.

If you own a home, a spare room, or even a parking space in a high-demand area, you could be sitting on a significant income stream.

• Renting a short-term room via Airbnb/Booking.com

• Renting a room mid-term

• Renting your parking space via Mobypark

  
  

Estimated value: up to £3,500/month → £42,000/year (location-dependent)

Financial health lesson:Your biggest asset might be underutilised. A small mindset shift can unlock a huge return.

2. Actively pursue your career growth, up to 8k a year

This one is wildly underestimated.

If you’re not progressing, you’re likely losing money in three ways:

• No pay rise aligned at min. with inflation? Your real pay is reducing.

• No promotion or role movement = no step-up in compensation

• Stagnation compounds, 10% missed this year = 10% missed every year after

  
  

Estimated value:10% uplift on 80k salary → 8k/year

Financial health lesson: Career complacency is expensive. Proactive career management pays for itself every year. Consider a growth coach.

3. Review your home value, up to 5.5k each year

As your home value rises and your mortgage balance falls, your 'loan to value' LTV ratio drops, and your interest rate could too.

But banks will NEVER:

❌ tell you❌ update your rate automatically❌ backdate the savings

You have to ask.

Estimated value: On a 630k mortgage dropping your rate from 3.45% → 2.05%: 470/month → ~5.5k/year saving.

Financial health lesson: This is one of the biggest 'silent savings' available, if you know to check.

4. Transfer credit card debt to 0%, 1.5k a year

If you carry a credit card balance month to month, you have the opportunity for big savings. Right now, you can swap to 0% interest for 0% fee balance transfer.

Estimated value: On a 6k balance: ~1.5k/year

Financial health lesson:You’re not bad with money — you’re just paying too much for borrowing.

5. Switch your utilities, ~500–1k a year

Electricity, gas, health insurance, broadband, mobile… these companies rely on one thing: Customers not paying attention.

Estimated value: 500–1k/year

Financial health lesson: If you wouldn’t overpay a retailer by1k at checkout, don’t overpay your utility providers.

6. Make your savings work for you, ~1k a year

Cash sitting in a low-interest account is quietly losing earning potential.

Estimated value: 5% on 20k → 1k/year

Financial health lesson:Your cash should work at least as hard as you do.

7. Build a budget that brings you joy!

Budgeting isn’t about restriction, it’s about intention.

This isn’t a cash-saving exercise; it’s a life-optimising one.

Financial health lesson: Know what most brings you joy and align your spending to it. Minimise everthing else. Spend intentionally. Not impulsively.

8. Avoid scammers - they're extra active just now

Black Friday is peak season for scams, fake websites, and “too good to be true” offers. Quick checks can save you a lot of pain:

• Search the company on Trustpilot

• Check reviews across multiple sources

• Validate URLs (tiny typos hide big scams)

• Buy with your credit card for additional protection

• You made a mistake? Report it immediately (bank and police)

  
  

Financial health lesson: If the deal seems unbelievable… it probably is.

Ready to make the smartest Black Friday decision?

Financial coaching can cost as little as a couple of hundred for a session, and save you thousands every day! If you want personalised, strategic support to strengthen your financial or career health, contact us for coaching at Bold Consulting.

Because the best investment you make this Black Friday… might be in you.

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Which of these eight moves might you tackle? What financial wins have made the biggest difference in your life?