Ray White speaks to Sarah Nicholson, Head of Customer Experience at Just Money, as Black Friday in South Africa shifts from a bargain-hunting frenzy to a high-risk financial minefield. What was once a fun retail tradition has increasingly become a season of regret, with shoppers falling prey to impulse buying, misleading “specials” and an alarming rise in AI-powered scams that mimic real retailers with frightening accuracy. Nicholson breaks down why the popular “no refund/no exchange” signs many stores still display are actually illegal, and how consumers can spot the new generation of scams, from polished fake websites to cloned social media pages. She also warns of the January financial hangover, when the consequences of November’s trolley-filling spree finally arrive in the form of mounting debt. Beyond consumers, we look at how small businesses navigate Black Friday without slashing prices so deeply that they jeopardise their own survival. Today, we unpack the risks, the rights and the practical steps South Africans can take to protect both their money and their peace of mind this shopping season.

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