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4 Money Saving Techniques for Online Shopping

4 Money Saving Techniques for Online Shopping

It’s a fact that finding free delivery codes and great discounts is simply elating. Everyone wants to save money on purchases or even get a free gift. Whether you’re in search of discounts on gadgets, appliances, shoes, groceries or even printing services, you can get great deals by searching for free delivery codes online.

One of the most common and popular practices among shoppers is to get coupons for free shipping, online or otherwise. Shoppers all over the globe scour print and online sources in search of free shipping offers. With one of these offers, the customer doesn’t have to pay for any delivery charges. That allows shoppers to save a lot of money, especially when it comes to international delivery. Finding the best ways to save money online can be overwhelming. In this article, I’m going to discuss some useful tips that will help you save money while shopping online.

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1. Try To Shop with a List

The first thing you need to do is write a list of items that you’re looking to buy, just like you would shop with a grocery list. This practice will eventually help you get control over your spending, because you will avoid the temptation to add items you don’t need to your online shopping cart.

2. Compare Prices before Buying

You should also compare product prices by using an online or downloadable comparison tool such as PriceBlink.com. With the help of this tool, you’ll be able to compare the prices from all major sites in just a matter of seconds. In this way, you can avoid the need to pull up several sites in search of the best deal. Moreover, you don’t need to leave the web page you’re on just to view the prices on another site.

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3. Make Use of Discount Coupons

Getting discount coupons and using them to buy products from online stores is a great way to save hundreds of dollars per year. It’s a fact that there are a lot of bargains at internet retailers from which you can benefit. You can also get discount coupons via mail and by searching through popular magazines.

There are several websites that offer coupons and promo codes, often involving heavy discounts. At some websites, you can get discounts added to your account after you buy something from the website. eBay is another website that is known for selling a number of products at the lowest rates. eBay is one of the most prominent auction portals of all time. Of course, when using this type of marketplace, you need to verify the retailer’s reputation and make sure their products are original and high quality, especially the technology gadgets.

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4. Sign Up For Emails

Many people know that they can sign up for retailers’ email newsletters and get amazing discount offers and deals on beauty products in return. But you should also try digital coupons. You can find a list of digital coupons to select from by searching on Google. Another choice you may have is to combine two coupons and cut down the price even more. Then, go to the ordering page and add all your deal codes. Now you can see what percentage is taken off the total price and learn how much you’re saving. Do it and feel the difference!

You can also trim shipping charges if you play it smart. You can use free delivery discount codes to save money on shipping, or you can make sure you add enough products to your cart to go over the free shipping limit at some sites. If you use all of the above tips, you will save a significant amount of money over time.

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Featured photo credit: The Penny Hoarder via cdn.thepennyhoarder.com

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Yasmin Rasidi

Copy Writer at Swotfish

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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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