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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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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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