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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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Published on January 8, 2021

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

1. Pay More Than the Minimum Credit Card Payments

Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

2. Start With High-Interest Credit Card Debt

If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

3. Revisit Your Budget

Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

4. Avoid Using Your Credit Cards

Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

5. Start a Side Hustle to Boost Your Income

You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

6. Sell Your Used Items for Extra Cash

Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

7. Know When to Seek Help With Your Debt

Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

In extreme cases, the debt solution can be:

  • Debt relief – where your debt is partially or wholly forgiven
  • Debt consolidation – taking out one loan to repay others
  • Debt settlement – the creditor forgives a significant portion of your debt
  • Bankruptcy – legal process for seeking relief from some or all your debts

It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

Wrapping It Up

Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

More Tips on How to Pay Off Debt

Featured photo credit: rupixen.com via unsplash.com

Reference

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