Visible is looking to remove that hurdle with a holiday promotion that lets you buy a year of wireless service for somebody else. Even better, paying annually at Visible lets you lower the monthly cost of that service compared to if you were paying on month-to-month basis.

Black Friday proper falls late in the month this year on Nov. 29. But official sales from big retailers including Amazon, Best Buy, Walmart, and Target have already kicked off. Even if you're prepared,