Well, tomorrow is Black Friday, but the sales have already begun because unlike many a Christmas past, it's a buyer's market. Christine Romans now, with the price you.

Pay, it's a holiday shopping season like no other consumers in the driver's seat as retailers fight for those precious dollars. I'm definitely spending a lot less this year on Christmas as compared to the previous years. Two entice, inflation weary shoppers stores offered early deals way back in October. With healthy supply chains and stocked shelves, retailers are cutting prices to move goods as much as 35% off for toys, 30% for electronics and 25% off apparel. The best deals begin tomorrow for kitchen, gadgets and small appliances, video games, consoles and electronics continuing through the weekend. December will have the best deals on toys, sporting goods and tools. This weekend's bargains KitchenAid mixers around 30% off TVs for less than $100 at Best Buy and AirPods for 189 99 at the big box stores, $10 less than last year.

What's the one thing people should know before they open their wallet or their app on Black Friday? There are going to be tons of deals this day, but they are going to continue on throughout the weekend and into December. So don't feel that need to buy right away that you're going to miss that deal.

Only bargains if you pay them off with credit card interest rates 20% or higher. $1,000 shopping spree.

If you only pay the bare minimum.

It'Ll take you two years to pay it off with $200 extra in interest.

You don't want this year's shopping list to become next year's debt hangover. Christine Romans, NBC News, New York.

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