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Why You Should Be Careful When Buying a Mattress Online

Why You Should Be Careful When Buying a Mattress Online

The days of wandering the mattress showroom in desperate hopes of finding a bed that’s at least mildly comfortable (all while a salesperson breathes down your neck) are over. Thanks to the rise of e-commerce, anybody with money to spend can hop online and buy themselves a brand spankin’ new mattress.

There are many upsides to purchasing a mattress online. These include convenience, reduced prices (in many but not all cases), freedom from sales pressure, and the ability to read reviews and comparison shop a huge number of brands and mattress types. You can also choose between direct-to-consumer retailers and online stores that sell mattresses from a variety of manufacturers. Sounds great, right? Well, yes and no. Before you hit “purchase,” you should be aware of several important factors that make online mattress shopping a little more complicated.

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You can’t try the bed.

Easily the biggest downside to online shopping is the fact that you can’t try out the bed before buying it. Given that the right mattress for you will vary depending on your preferred sleep position, health conditions, and personal preferences, buying a mattress without testing it out first requires a big leap of faith. Sleeping partners also have their own mattress preferences, and it can feel a bit like you’re Goldilocks searching for the mythical bed that’s “just right.”

Of course, this is where online reviews can really come in handy. Seek out reviews from people who mention having similar preferences or sleeping styles as you in order to help gauge if the mattress will suit your needs.

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If you don’t like the mattress after purchase, all of your options will cost you time and/or money.

Let’s say you buy a mattress online, assemble it in the bedroom, and sleep on it for a few nights only to discover that it really isn’t comfortable. Then you’re left with a couple options, and neither of them are great. You can:

  1. Purchase a topper for your mattress. While this might make you more comfortable, you’re likely to pay much more money for a mattress topper than for the mattress itself.
  2. Take advantage of a free trial. This requires some foresight, since you’ll need to enroll in the trial before bringing the bed home. Some companies will allow you to test out several mattresses over the course of 100-plus days before making your final decision. This obviously has its benefits, but the downside here is the hassle involved. Don’t underestimate the energy (and money if you hire movers) required to move various mattresses in and out of your bedroom and navigate different return policies.
  3. Return the mattress. The smoothness of this process varies greatly by company. Some companies promise a free pick up and no-fee returns, while others will require you to package the mattress and pay to ship it back to the retailer. Often times if the mattress gets dirty or is damaged during shipping, retailers stick you with the bill. In contrast, several companies offer to pick up the mattress from your home free of charge. That’s why it’s imperative that you have a crystal-clear understanding of a company’s return policy before purchasing a mattress online.

You’re likely to experience less sales assistance.

This is certainly not true for all online retailers, but in some cases buying online means that you won’t benefit from personalized attention. It also means that you won’t have an opportunity to negotiate price, which is a common occurrence in brick and mortar stores. You’re also less likely to benefit from free or low-cost takeaway of your old mattress, meaning you’ll need to figure out how to dispose of it on your own.

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Again, this is where some online sleuthing can really come in handy. Before you purchase a mattress, scope out reviews of the retailer online and monitor their social media pages to see how they respond to consumer questions or complaints. If the retailer doesn’t respond to people’s concerns, that’s a red flag. In contrast, demonstrations of helpfulness can give you confidence that you’re making a safe choice.

None of this is to scare you away from purchasing a mattress online. There are tons of great companies out there that are committed to providing high-quality, affordable mattresses and stellar customer service. However, it’s helpful to be aware of the challenges involved in online mattress shopping and to do your due diligence before you buy.

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Kenny Kline

Entrepreneur

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Published on July 4, 2018

Top 10 Recommendations on Money Management Apps

Top 10 Recommendations on Money Management Apps

Don’t want to overspend your budget, swipe your credit card too many times, and feel like a financial mess? Instead of beating yourself up for the bad financial decisions you’ve ever made, create a new plan!

The solution is simple, save more and spend less. But, we all know it’s easier said than done.

One problem is finding quality apps that save you time and money, and aren’t just hype.

Luckily, there’re many great money management apps available at your fingertips. Here are 10 reliable money management apps that can help you save money, and crush debt.

1. Personal Capital

    When was the last time you’ve tracked your net worth? Probably months ago or maybe never. Personal Capital allows you to easily track your net worth and plan for retirement.

    Here are some of its main features:

    • Sync many investment accounts, and expenses (mortgage, credit cards, etc.) in one place
    • Discover hidden fees and how much they’re affecting your retirement plan
    • Wealth management for investors requiring a long-term strategy

    With Personal you’re free to track your expenses and net worth.

    Available for: iOS and Android

    2. Mint

      If your smartphone could only install a few apps, Mint would be one of them. Why? Because Mint tracks all your balances and bills in one place.

      Here are some of its main features:

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      • Effortlessly track all your bills and balances in one dashboard
      • Categorized expenses to understand where you spend your money
      • Uncover hidden fees, and determine your investment style with sophisticated retirement tools.

      Feel at ease with managing your money by a reputable company that isn’t going anywhere.

      Available for: iOS and Android

      3. YNAB

        Everyone needs a budget, there’s no way around it. YNAB (You Need A Budget) is an easy to use app that will change the way you think about money. Their motto is to “give every dollar a job”, and you’ll quickly discover why.

        Here are some of its main features:

        • Easily sync all bank accounts in one place
        • Visually see your debt paying progress with eye-catching charts and notifications
        • Customized categories setting saving goals

        The best part about YNAB is the community that comes along with it. You can hop on the YNAB forum to receive support, listen to the YNAB Podcast or stay tuned for their weekly videos.

        Available for: iOS and Android

        4. Wealthfront

          Albert Einstein once said “compound interest is the eight wonder in the world”, and for a very good reason. The problem is, most people are scared or unwilling to learn the basics of investing. This is why Wealthfront is the perfect solution for the hands-off investors.

          Here are some of its main features:

          • Variety of investment account options including IRA, Roth IRA, and more
          • Your portfolio composed of 7 different asset classes
          • Automatically rebalanced portfolio
          • Daily tax loss harvesting

          Wealthfront is perfect for people requiring investment guidance, or prefer a hands-off solution.

          Available for: iOS and Android

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          5. Clarity Money

            If you’re staying on top of your budget but want to take your finances to the next level, Clarity Money can help you. Clarity Money helps you stay under budget and build a personalized savings plan.

            Here are some of its main features:

            • Easily cancel subscriptions with one click
            • Synchronize bank accounts fast
            • Transfer money effortlessly between different accounts

            Clarity Money isn’t an app that does it all. But, it does make transferring money and canceling subscriptions fast and efficient.

            Available for: iOS and Android

            6. Acorns

              What if there was a way to quickly gain confidence in investing your money, without too much risk? There is, and Acorns is your solution. With Acorns’s technology, you’re able to make investments as small as $5.

              Here are some of its main features:

              • Automatic contribution option
              • Customized portfolio tailored to your needs
              • Low management fees ranging from $1-$2 per month

              Stop wasting dollars on expensive coffee. Instead, invest them towards a brighter financial future.

              Available for: iOS and Android

              7. Albert

                Do you budget by only subtracting your expenses from your income? If so, how would you discover any overpayments or extra money you could save? This is where Albert shines, and it does it all free.

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                Here are some of its main features:

                • Receive notifications for overpayments, hidden fees, and low balances
                • An Automatic budget that’s built around your spending and income
                • Easily track debt and set new financial goals

                While Albert does offer a paid option, most of its core features are FREE. So, what better option to save?

                Available for: iOS

                8. Prism

                  Have you recently forgot to pay a bill because life got in the way? Prism automatically tracks your bills and syncs your bank accounts in one place.

                  Here are some of its main features:

                  • View all your account balances in one glance
                  • Bill due dates are automatically pulled and tracked
                  • Receive early reminders for upcoming bills

                  If your budget is on “fleek” but can’t seem to stay on top of your bills, Prism is your go-to app.

                  Available for: iOS, Android, Windows, Amazon

                  9. Mvelopes

                    Remember hearing about people using envelopes to budget their money? Well, Mvelopes is the new envelope system for this generation. Easily create monthly budgets and track your saving goals.

                    Here are some of its main features:

                    • Connect unlimited bank accounts
                    • Real-time budgeting with auto transaction syncing
                    • Low monthly $4 fee or $40 annual

                    Mvelopes can help you crush debt, save more, and help you stop overspending. With its low monthly fee, it’s worth a try.

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                    Available for: iOS and Android

                    10. Wallaby

                      Most people don’t have time to track their credit card’s changing rewards and interest rates. Because of this, you need help reaping the most of your credit card’s rewards. Wallaby is the app that will help you do just that.

                      Here are some of its main features:

                      • Automatic recommendations for the best credit card to use for each transaction
                      • A friendly user interface, displaying credit cards with their corresponding images
                      • Free to use

                      If you’re using the same credit card to make your purchases, you may be leaving money on the table. Give Wallaby a try if you’re ready to maximize your credit card’s rewards.

                      Available for: iOS and Android

                      Take control of your finances and experience financial freedom

                      Picture yourself staying on budget and saving more money than you’d ever imagined.

                      It took hard work and dedication but you’d finally learned how to manage your money. You have to start taking control of your spending and saving habits.

                      You now have a list of reliable apps that can help you build better money habits, what are you waiting for?

                      Featured photo credit: Pexels via pexels.com

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