#Black Friday 2026

You checked the calendar. Your stomach dropped. It’s the 100-day mark. For many, this isn’t a countdown to joy; it’s a countdown to debt. The “festive financial hangover” is a real phenomenon, usually hitting around the third week of January when the credit card bills land. But 100 days is actually the sweet spot. It is the perfect runway to land the holidays without crashing your finances. We are going to ignore the generic “just spend less” advice. Instead, we are looking at a tactical, military-grade operation to spread the cost of Christmas across three distinct paydays.