Black Friday is here.  And if you’ve been waiting to do your holiday shopping, you’re not alone.     A poll asked people what type of holiday shopper they are.  The four choices were bargain hunter . . . early bird . . . last-minute . . . and year-round.     Bargain hunter snagged the top spot, and it wasn’t very close.  Here’s what people said . . .     1.  40% are bargain hunters.  You prioritize deals and promos like Black Friday.   2.  27% are early birds.  They defined it as people who finish their shopping at least one month in advance.   3.  16% are last-minute shoppers.  People who buy most of their gifts in the last few days.   4.  16% are year-round gatherers.  People who spread it out and buy presents throughout the year.     (Landmark Credit Union)