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12 Websites That Will Help You To Save Money

12 Websites That Will Help You To Save Money

These days almost everyone is looking to save money wherever they can. There are lots of websites that can help you save money, from offering coupons on goods and services to connecting you with neighbors willing to sell you their items at a lower price than the store. With this arsenal of websites in your back pocket, you can be sure you’re getting the best price on whatever you’re looking to buy.

Here is a list of a few websites that will help you to save your  hard-earned money.

EBay: With EBay’s bidding system, you can often get a massive discount on almost every product under the sun.

Aliexpress: AliExpress is another great website to shop anywhere you are in the world, and they offer a huge discount on their products.

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LivingSocial: Check out all of the great deals on goods and services in the area where you live.

MyCoupons: Instead of fruitless searching for retail deals, MyCoupons finds all of the discounts for you and puts them in one easily searchable place.

Booking Buddy: The site will help you extract the traveling cost from all the various booking websites and give you great discount.

Poshmark: Allow Poshmark be your guide to buying and selling clothes. It’s super easy to list your property on the site if you are in need of some additional money. The site also has all kinds of product deals that are waiting for you to enjoy.

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Renttherack: Shop for designer clothes that are usually massively discounted. Reserve an item for a set period of days, use it and then return it. Wear the best clothes in the industry for a fraction of the price.

AwardWallet: This website keeps track of your reward programs, such as regular flyer miles and credit card points. With AwardWallet, you can see all the points and deals you’ve earned all in one place so you don’t forget to act on them.

Priceonomics: This page will extract information from the Internet that will help you to know prices on Craigslist or eBay items with the most profitable margins.

Craigslist: There are many sites online that save money, but with out a doubt, you can always visit Craigslist for great deals. If you wish to sell or buy almost anything in this world, this site is the perfect place for it.

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Temptalia: This database will assist you to find the best deals on all cosmetic products, whether you are searching for something that is sold out or something that is just easier on your wallet.

StubHub: This site will help you to re-sell unwanted tickets, instead of losing money on an event you can no longer go to. The website has great reviews and simple instructions too!

TaskRabbit: Have an errand or task that you are unable to do? This online application will connect you with people in your area who are willing to take care of your chores for a cheap price.

ZILok: Do you need to rent something? The odds are iLok have items people are willing to let you borrow for a small price. Alternatively, make a bit of money letting others borrow your own items!

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RetailMeNot: This is the world’s biggest coupon marketplace, so this is a great database for deals on just about everything.

NeighborGoods: Share thing with your friends and neighbors through this website. The service will link you up based on your location and connect you with people who live nearby.

Alshop: is the region’s premier online shopping platform for great consumer goods, varying from mobile phones to laptops, home devices to well being equipment, perfumes to make up products and printers, cameras, founded in 2008, with its headquarters in Dubai, UAE.

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Last Updated on April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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Featured photo credit: Pexels via pexels.com

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