Black Friday may be synonymous with shopping, but it can also serve as a timely checkpoint for your financial health. KDP/Getty Images

Black Friday has a reputation for fueling spending sprees thanks to doorbuster deals and limited-time discounts, which increase the pressure to buy at a lower price while you can. But at a time when the Black Friday promotions are ramping up, many households are also carrying more debt than they'd like to, especially in terms of their credit card debt . And, with credit card APRs hovering close to record highs and budgets already strained by inflation , the biggest savings opportunity this Black Friday may not come from shopping at all.

After all, the same mindset that drives people to hunt for the best deals on electronics and appliances ca

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