Via John Henderson.

Black Friday and Cyber Monday mean big discounts, but do you really think about how much money you're still spending? Holiday gift giving is a fun tradition, sure, but so many of us use these mega-sales as an opportunity to indulge in gifts for ourselves: the TV, tablet, iPhone, e-reader, game console, laptop, or the espresso machine you’ve been eyeing all year. Buying even just a few of these popular Black Friday deals can add up to $2,000 or more in one three-day weekend. Ouch.

Instead of splurging on electronics with a short shelf life, think about using that money to invest in your own grown-up future. Like putting it towards a 10% down payment on a house so you can stop paying ridiculous rent. Taking a break from Black Fridays can help you save for that 10% much, much faster.

Sounds boring, right? A lot more boring than playing that new video game console over the holidays. But saving now could mean celebrating the next Black Friday from the comfort of your new place.

Thinking about buying in SF? See what SoFi can offer you in only 2 minutes. It's the new, modern way to get a home loan:

■ Put as little as 10% down with no PMI instead of the standard 20%.

■ With SoFi's flexible debt-to-income limits, you may qualify for more financing than what other lenders can offer.

■ Skip tons of headache with a common-sense online application process.

You may be able to buy a home sooner than you think. Learn more at

This post is a sponsored collaboration between SoFi and Gothamist staff.

SoFi Lending Corp. NMLS # 1121636. Terms and conditions apply. See SoFi mortgage eligibility and licensing details here.