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- How to avoid paying full price for Apple products (11 25 25)
How to avoid paying full price for Apple products (11 25 25)
Sally McDonald
November 25, 2025
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šµ Todayās Top Stories
 | Clark pokes fun at people who buy the latest and greatest from Apple. But several members of Team Clark are fans of the company. If itās Apple or nothing for you, hereās how to do it. Read more. |
 | Had enough of your cable or satellite TV company hammering your bank account? Hereās how to cut the cord for good and still watch your favorite channels. Read more. |
 | Thanksgiving is coming. You know what that means: Gift card season is around the corner. Gift cards are major targets for scams. Hereās how to avoid them. Read more. |
 | If you can keep track of your spending categories and pay off your credit card bill each month, this card can offer 3% cash back on groceries, online shopping and gas. Read more. |
šµ Calculator of the Week: Pension vs Lump Sum
 | It's so important to know your streams of income in retirement. This calculator helps you compare the pros and cons of a monthly pension check versus a one-time lump sum payout. |
šļø Unpopular Money Hack: Keep Driving Your Old Car
The average new vehicle cost $49,105 in October, threatening to hit $50,000 for the first time ever and up 3.1% year-over-year.
āI donāt think anyone was ever expecting the number to go down,ā Edmunds director of insights Ian Drury said.
āThereās virtually no vehicle you can buy today that is cheaper than it was from last year, two years ago, five years ago.ā
He added that if you havenāt bought a vehicle in six years, youāre going to find prices that are almost $10,000 more than the last time.
The average monthly payment on new vehicles sold is now $766; the average interest paid is in the neighborhood of $9,500 for each new vehicle financed.
Clark often says driving your old (but fine) vehicle for longer, rather than buying something new (or new to you), is a great financial move.
If you eschew the average new car payment for an extra two years, at $766 a month, thatās a savings of $18,384. Is getting the newest and greatest, or something new to you, worth that cost?
There are many things you could do with that money. But if you invested it toward retirement and earned 8% on it for 20 years, it would be worth $85,687.04 instead.
Vehicles are the second-largest purchase for most people. And being more frugal about your vehicle can lead to huge financial savings over time.
š Stat of the Day
š¼ 1.9%: The rate at which U.S. employees are quitting jobs as of August. Thatās the lowest since 2015 outside of a blip during the onset of the COVID-19 pandemic. The ājob-huggingā trend is backed by the lowest hiring rate for unemployed workers in four years and a pay delta between job switchers and job stayers thatās as small as itās been since 2010.
š°ļø Deal Alert: Todayās Top Deals
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šļø Podcast
Clark dives into his obsession: warehouse clubs! Costco, Sam's Club, and BJ's Wholesale are on the rise, gaining massive market share and transforming the grocery landscape. Learn how the business structure of these clubs works to your advantage and why Clark thinks the membership fee is absolutely worth it. He breaks down the key differences between Costco, Sam's Club, and BJ's Wholesale so you can decide which one is best for your shopping style. Also, Clark shares a crucial, low-tech way to protect your family from highly sophisticated AI voice scams. Scammers can now clone the voices of loved ones, like a grandchild, to trick you into sending money. Find out why every family should create a secret code word and what to do if you ever get a suspicious phone call asking for help or cash.
āļø Need Money Help?
The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information.
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