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A Sneaky Savings Trick Overlooked When Shopping Online

A Sneaky Savings Trick Overlooked When Shopping Online

Everyone wants to save money instantly. But people often overlook finding free voucher and delivery codes while shopping online. Everyone would prefer to have discounts and free gifts. Whether you are looking for discounts on shoes, appliances, groceries or printing services, you can get exciting deals with free voucher codes online.

Voucher Codes

Voucher codes are coupons that offer you an exceptional chance to save from 5% to 20% or more off the retail price when shopping online. The reduction depends on the retailer and the offer or special. Christmas is a time when most people expect discounts because people are shopping online regularly. Discounts are also common in January, when retailers want to sell their products that didn’t disappear from the shop before Christmas.

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If you are looking to buy an expensive item, such as new laptop, television or a holiday package, 5% off the end price does make a difference. These voucher codes can often only be redeemed online, and that’s one of the reasons why many retailers issue an unlimited number of codes to make the shopping process less expensive.

How Do I Look for Voucher Codes?

Finding voucher codes can be exciting and frustrating. It is exciting because the internet provides you with access to many search possibilities which provide voucher codes relating to companies and their websites. On the other hand, it can be annoying when some of the sites offer expired voucher codes that haven’t been valid for quite a while. Some websites don’t reveal the truth about expiration dates or limitations. That’s why it is important that you find a reliable and reputable online service that will offer the best valid voucher codes. It is how you will be able to save a significant amount of money while purchasing online.

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Please remember that all online voucher codes should be free of charge. Never pay a single penny for voucher codes to anyone who requests it, as such a method is often impersonation and fraud.

Some well-known coupon sites are Don’t Pay Full and Groupon.

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Free Delivery or Shipping Codes

Free delivery codes are a form of voucher codes offered by online companies to save customers their shipping costs. Such codes usually correspond only to regular/standard delivery, but, in some cases, retailers offer exceptions to this rule and provide their customers free next-day delivery, which might be a huge saving opportunity.

Offering voucher and delivery codes seems to be a common practice among top retailers. They don’t want to miss out on any opportunity to keep their customers happy. The top brand names such as Dell, Marks & Spencer, Currys, Evans and many more issue new voucher codes almost every month. Now you know what to get!

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One of the most widespread practices among shoppers is to get coupons for free shipping. Buyers all over the globe are scouring both printed adds and online retailers just to look for free shipping offers. In this way, the customer doesn’t have to pay for any shipping charges, which allows you to save a lot of money, especially for international delivery.

Exchanging Coupons

You can take the opportunity to exchange coupons on deal forums. You can ask your fellow members to swap their free shipping coupons for your discount coupons by becoming a member of deal forums. If you are not yet a member, you can go and join.

Bookmark the Sites

When searching for coupon sites, you will want to bookmark them when you find them. You can also join the retailers’ e-mail lists or smart phone texting programs to ensure you get the offers you want. You can write down the sites offering great coupon codes for free shipping in your journal or planner. Always make sure that when you need coupons and discounts, your bookmarks and notes can easily be retrieved.

Featured photo credit: William Iven via pixabay.com

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Last Updated on March 4, 2019

How to Use Credit Cards While Staying Out of Debt

How to Use Credit Cards While Staying Out of Debt

Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

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Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

Do Not Treat Credit Cards as Your Funding Sources

Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

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I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

Make Sure to Always Pay Off Balances in Full Each Month

The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

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Using Credit Cards with Rewards

Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

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So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

Featured photo credit: Artem Bali via unsplash.com

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