6 Easy Lifehacks to Help You Save Money When Paying Online

6 Easy Lifehacks to Help You Save Money When Paying Online

The internet has made our lives so much simpler. Today, you can save a great deal of time just using this mighty resource to exchange messages, work, do research, and handle a variety of other tasks. However, you can also benefit from the great number of opportunities to save money via online payments.

The following tools and tricks will allow you to manage your funds most efficiently when making payments, shopping, or running a business online.

1. Honey


    Honey is a browser extension aimed to help you save money when shopping online. It’s focused on being your main tool for getting the best deal from coupons. The program can be integrated into Chrome, Opera, Firefox, and Safari browsers.


    Once you install and activate it, Honey will not only find the best coupon codes for every purchase you are about to make; it will also apply them. The automation feature makes using Honey an easy task, and you can be sure that you won’t forget to use the best coupon available online to save the most money.

    In addition, the app will provide you with a list of most trending stores and real-time information on offered deals and the amount of savings you can make.

    2. Due


      Due is your place to go if you want to not only save money but also ensure efficient invoice tracking for a small business. Due is a simple but fantastically efficient tool that will ensure you never miss an invoice and process all your payments efficiently.


      The program’s interface is easy and intuitive, so you don’t need to possess any specialized knowledge to use it. Due will allow you to monitor all payments and fund transfers as well as track billable times and productivity.

      This solution complies with the US and international regulations regarding the payment security technology and offers you a chance to track all your payments, invoices, etc. in real time.

      3. Shoptagr


        Shoptagr is a wish list browser extension that synchronizes with all devices. This means that you can use it from your PC, laptop, tablet, or phone with equal efficiency and ensure you won’t miss the best deal.


        The program’s mechanics are extremely simple: you just create a wishlist of the products you are interested in. The program will keep track of it and alert you once it goes on sale or otherwise offers an opportunity for a lower price. Shoptagr partners with over 400 stores, so you will definitely find a few that offer exactly what you need.

        4. Shoptimate


          This browser extension is another fantastic tool to save money when paying online. It compares prices from many most popular stores to help you find the best deal on the product. The solution is automatic, which saves you a great deal of time. You just need to view a product and the program will search comparisons independently and provide you with results at the top of the window.

          The best thing is that it gets you not only the lowest price, but a list of all prices and addresses of stores so you can pick the best option for you.


          5. GiftCardGranny


            This is a website where you can learn to pay less through the clever use of gift cards. It’s a service for those who have cards they don’t need. Here you can exchange them for those you would really enjoy cashing in.

            6. CamelCamelCamel


              This is an online service that will help you save money by claiming Amazon drop price refunds. It’ll work if you bought the item but the price for it dropped a couple of days later. If your purchase meets the required criteria and you apply for a refund fast enough (usually seven calendar dates from delivery), you’ll get the difference.

              Featured photo credit: via

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              Last Updated on June 6, 2019

              The Average Retirement Savings and How to Save Wisely

              The Average Retirement Savings and How to Save Wisely

              Are you on track for retirement?

              If not, don’t worry, I’m not sure either. I save each month and hope for the best.

              Fortunately, I’m at an age where most people don’t save so I’m ahead of the curve.

              But, what if you aren’t in your 20s? What if you’re near retirement and are looking to gauge where you stand?

              If so, keep reading. Here’s how to prepare for retirement and save wisely during the process.

              What Does the Average American Have Saved for Retirement?

              Saving for retirement is tricky.

              Tell someone straight out of college to save $10k a year for retirement and it’ll be next to impossible.

              Make the same request to someone decades older and they’d be more likely to be able to save this amount. But, a 20-year old college student can be “financially ahead” of someone saving more than them. Why?

              Age matters in your financial journey. The younger you are, the more time you have to save and put compound interest to work. As you get older and have more saving power, you’d have less time to put compound interest to work.

              Here are the average savings Americans hold by age bracket:

              20’s – $16,000

              During this stage, most people are paying loans and moving up the corporate ladder. Your best bet during this stage is to focus on eliminating debt and increasing your income. Don’t focus only on getting a high-paying job neither.


              Instead, focus on learning via Podcasts, reading books, and taking specialized courses. Doing this will make you more valuable and give you more career options.

              30’s – $45,000

              At this stage, you’ve hopefully escaped your entry-level salary and work at a career you enjoy. Your earning power has increased but you now have more obligations. For example, marriage, kids, and a mortgage.

              Set a plan to pay off all your debt and focus on eliminating unnecessary expenses. Leverage financial tools like Personal Capital to ensure you’re on track for retirement.

              40’s – $63,000

              This is the stage where you’re at the prime of your career. Top financial institutions recommend you have at least 2 to 4 times your salary saved up. If you’re falling behind, start maxing out your 401K and Roth IRA accounts.

              50’s – $115,000

              During your fifties, you’re close to retirement but still, have time to save. You may be helping your kids pay college tuition and other expenses. Since you’re at the peak of your earning power, max out all your retirement accounts.

              60’s – $172,000

              By this point, you should have about eight times your salary saved up. If not, you’ll depend primarily on social security benefits averaging $1400 per month. Max out all your retirement options as much as possible before retiring.

              Ways to Save Money on a Tight Budget

              The sad reality is that most Americans aren’t saving enough for retirement.

              Even high-earning power isn’t enough to secure one’s financial future. You need to have the discipline to save for retirement while time is in your favor. Don’t wait for you to have a high salary to save, start with having a small budget.

              First, get a clear picture of where you stand. Write down a list of “needs” and “wants.” For example, Netflix and Amazon Prime are “wants” and a “cell-phone” is a need.

              Use tools like Personal Capital to analyze your spending patterns. Personal Capital allows you to add all your financial data in one place–making it a powerful option to gauge where you stand.

              Once you know all your expenses, organize them from highest to lowest expense. When you can’t cut more expenses, call your service providers to negotiate a lower price. If you’re not good at negotiating, use services like Trimm to lower your monthly expenses.


              How to Save Money Each Month

              By this point, you know the average amount of money you should have saved for retirement based on your age.

              But, breaking this down into monthly goals can be challenging. Here are some rule of thumbs to follow:

              Aim to contribute 10%–15% of your salary each paycheck. Review your progress each week.

              Why so often? The reality is that life gets in our way and you will have many financial setbacks. Your goal isn’t to be perfect but to get back on track instead.

              Reviewing your finances weekly lets you know where you stand with your retirement. This doesn’t have to be a long process either. All it takes is login in Personal Capital to view your net worth and check how much you have saved for retirement.

              Turn saving into a game and aim to save more each month. It will get challenging but you’ll get creative and find more ways to save.

              Top Money Saving Challenge Tips

              To prepare for your financial future and not be another statistic you need to be different.


              By adopting new habits that’ll help you become a saving machine. Here are some ways you can save more:

              Automatically Contribute Towards Retirement

              If you’re working for a company, you can automatically contribute towards your 401k. If you’re not currently contributing more than 10%, make this your goal. Contribute 1% more today and automatically increase this amount a year from now.

              Odds are that you’re not going to be negatively affected by contributing 1% more. Many times we spend our money on things we don’t need. Contributing more towards retirement is a great way to secure your financial future.


              Use the Right Tools to Know Where You Stand

              Once you’re contributing more towards your retirement accounts, gauge your progress. Make use of finance tracking apps to help you view the big picture of your retirement.

              When I’d first signed up for the app Personal Capital, I didn’t know I had a negative net worth. Despite saving thousands of dollars, my debt brought my net worth to the negative. Knowing this motivated me to save more and spend less.

              Now, I have a positive net worth. But, it was because I was able to view the big picture using the app. Find out what your net worth is using a finance tracking app and you may surprise yourself.

              Bring in Experts to View Your Blind Spots

              If you have too little or too much money saved, you should consider hiring financial experts.


              You may need someone to hold you accountable to help you reach your financial goals. Or, you may need help managing your money as effective as possible.

              Regardless of the reason, getting help may help improve your financial situation.

              Before you hire an expert, find out which areas you need help the most. For example, if you’re constantly overspending, find a debt counselor. If you’re struggling with choosing the best investment options, hire a financial advisor.

              Speed up Your Retirement Contribution

              After learning how to manage your money well, the next best thing is to earn a higher income.

              You’re capped at how much you can save but not much you can earn. Even if your employer isn’t giving you a promotion, you can still take charge of your financial future. How?

              By starting a side-business.


              This will be something you’d work on after you’ve finished your day job. Once you start earning income from your side-business, you’ll be financially better off.

              The best part is the more work you put into your side-business,[1] the more potential it has to earn more money.

              So start a side-business in an area you’re familiar with. For example, if you enjoy writing, do freelance writing for small e-commerce businesses.

              Once you’re earning a higher income, you can contribute more towards your retirement. Don’t wait for the right opportunity to secure your financial future, create one.

              Reach Financial Freedom with Confidence

              What if you were able to retire tomorrow with no problem, all because you’d have enough money saved up and little to no debt left to pay off? How would you feel?

              My guess is that you’d feel happy and relieved.

              Most Americans are falling behind their retirement goals for many reasons. They’re not prepared, they carry bad money-habits and are thinking short-term.

              For you to retire successfully, you need to work backward and adopt better habits. Contribute more towards your 401K and focus on growing your income.

              If you do, you’ll save money and pay debt faster.

              Don’t beat yourself up if you’re behind your retirement goals. Take the first step today towards a brighter financial future. Isn’t retirement worth the hard work and sacrifice to be at peace?

              Featured photo credit: Huy Phan via


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