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10 Best Sites to Hunt for Coupon Codes and Discount Promo Codes

10 Best Sites to Hunt for Coupon Codes and Discount Promo Codes

Online shopping is the peak of convenience, and finding the best deal just adds to that. Gone are the days of opening multiple tabs to compare prices, as now there are easier ways to find the best deal. You can buy pretty much anything online these days, so why not try to get the best deal with as little leg work as possible? Here are 10 of the best places to help you save some money when you are doing your shopping online.

1. Honey[1]

Honey works with major retailers to find the best prices on items, and shows you the best price from the sellers. Consumers also earn cash back on the things that they purchase, and won’t have to lift a finger to find coupon codes—Honey does this for you using thousands of websites. It is as simple as adding an extension to your browser.

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2. Swagbucks[2]

Swagbucks is said to be the largest reward website that gives consumers gift cards for their online activities. The points are earned, and then are cashed in for a gift card. Points can be earned by using the Swagbucks search engine, taking surveys, watching videos, playing games, referring friends, and using their shopping portal. Each day there are bonus codes posted to their social media websites that are to be used on the Swagbucks page.

3. Promo Code Watch[3]

Promo Code Watch works to give consumers the most up-to-date and accurate collection of online promotional codes. The codes are tracked in real time, picked up from social media like Facebook and Twitter, and then brought into the database. The code is then verified and made available to consumers on Promo Code Watch’s website. In addition to this, the website partners with over 10,000 online retailers to provide unique savings and offers.

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4. Groupon[4]

When browsing Groupon, you will find fun and unique activities in your city, and at a heavily discounted price. Children’s activities, restaurants, spas, and nightlife are just a handful of the experiences that Groupon offers. There is also a section for Goods—quality items that are sold at a discount.

5. Ebates[5]

Consumers use Ebates to shop their favorite stores while earning cash back on their purchases through a check or PayPal. Users can earn up to 40% cash back on their purchases from over 2,000 participating stores, providing more than 10,000 coupons. To add to the convenience, consumers can even download the app to their smartphone for deals on the go.

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6. Fat Wallet[6]

Fat Wallet could be considered a path of least resistance for consumers to find online deals and coupons. There are deals on a number of products, as well as store coupons that work on any purchase. Fat Wallet works hard to locate the most recent coupon codes and sales, bringing consumers deals from about 1,700 online stores that are not only popular, but are trusted.

7. RetailMeNot[7]

Retailers and brands connect with millions of consumers through the RetailMeNot marketplace. At any given time, there are about 70,000 retailers that offer about 600,000 coupons, making RetailMeNot the largest outlet to find digital offers. Consumers can also download the app right to their phone to have thousands of coupons at their fingertips.

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8. PriceGrabber[8]

Discount codes from 2,000 retailers offer specials on thousands of products. PriceGrabber organizes the items into categories, and then for each item the price is compared among many retailers online, giving the consumer the lowest price possible. Items include everything from clothes, to appliances, to electronics. Search among what is trending, or type in the specific product that you are looking for.

9. SlickDeals[9]

SlickDeals is considered the most trusted online community dedicated to rating, reviewing, and sharing coupons and deals. Members of the website scour the internet to find the best deals, and then share it with SlickDeals. The coupons and deals include a plethora of products and retailers, so anyone that is looking for a deal can find one among hundreds of reputable merchants.

10. Woot[10]

This website provides daily deals on multiple items, as well as other short term sales on items spanning 11 different categories. There are also site-wide specials—each day a featured deal is highlighted on the front page, and it is only available for that day until midnight, or until it has sold out. Woot’s purpose is to find cool stuff and offer it to consumers for cheap.

Reference

[1] Honey https://www.joinhoney.com/
[2] Swagbucks http://www.swagbucks.com/
[3] Promo Code Watch http://www.promocodewatch.com/
[4] Groupon https://www.groupon.com/
[5] Ebates https://www.ebates.com/
[6] Fat Wallet https://www.fatwallet.com/
[7] RetailMeNot https://www.retailmenot.com/
[8] PriceGrabber http://www.pricegrabber.com/?
[9] SlickDeals https://slickdeals.net/
[10] Woot http://www.woot.com/

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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.

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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.

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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.

How?

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.

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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.

Why?

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.

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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 unsplash.com

Reference

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