It's my pleasure to welcome you to the Clark Howard Show, where our mission is to serve

and empower you so you make better financial decisions in your life.

Is that time of year holiday shopping is upon us?

Supplying chain issues, shipping delays, higher prices?

Well, those are not a few of my favorite things.

Later, do you know that women are generally more successful investors than men?

Guys, something we got to learn.

So this Christmas is going to try people's patience a little bit.

It's going to require flexibility on your part.

I need for you to really think about things differently than you have in the past.

I mean, here we are in the second week of November, and I want you just about done with your

Christmas shopping.

Really, really important that you get it done.

The sales cycles are so different this year.

In fact, some of the big sales started a week ago, and generally we're in a three-sale

cycle during November.

December is going to be really expensive this year.

So I want you to remember that this week will be another week of a variety of sales,

and the big boxes are doing their sales and blocks.

Typically, three to four day blocks with different sales periods last week, this week.

The next really big one is Black Friday week, but there will be scattered deals next week

as well.

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