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10 Top Hacks For Safe And Quality Online Shopping

10 Top Hacks For Safe And Quality Online Shopping

More and more people are staying away from stores and doing a lot of their shopping online. While this is an easy way to be able to shop in comfort, there are some risks involved. But, as long as you are taking all of the proper precautions, you shouldn’t have anything to worry about. Here are some security tips for shopping online that will help make your shopping experiences great ones.

1. Be Careful with WiFi

Be wary about shopping while you are using a strange WiFi network. You can window shop, but wait until you are on a secured network before placing any orders. Never enter private information or credit card numbers while on an unsecured network.

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2. Know the Vendors

While you may be tempted to go for a really great deal online from a vendor you are unfamiliar with, it is best to stick with the names you know. If something seems like it is too good to be true, chances are it is. Never give your credit card information out to companies you don’t know anything about.

3. Compare Prices

Before making any purchases, it is a good idea to do some online comparison shopping. Check different websites and apps for the same products, and see which have the best deals and lowest shipping costs. You can save money by using coupon codes created by services like PassbeeMedia .

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4. HTTPS

If a website URL starts with HTTP and not HTTPS, it is not a secured site. The “S” stands for secured. Also check for a lock icon in the address bar. This shows that you have a Secure Sockets Layer (SSL) connection, and it is standard with most browsers, such as Chrome, Firefox, and Explorer.

5. Check your Statements

We can’t stress enough how important it is to stay on top of your credit card statements. Any time you see charges that you don’t remember making, contact the credit card company to report it.

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6. Passwords and Mobile Devices

Always turn the passcodes on phones and tablets. Many people don’t do this, but it only takes seconds to do, and it will help to protect your information from unscrupulous types. If your device is stolen, no one will be able to access your passwords or your personal information.

7. Online Scams

We all know that there are thousands of online scams out there. Many of these scams look like the real thing. For instance, many scammers “phish” for information, and send out emails pretending to be companies you know, asking for password updates. Always contact the actual company before doing anything requested in an email, just to be on the safe side. Now there is something else to watch out for, which is SMiShing. This is basically phishing through text messages.

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8. Do Plenty of Password Updates

Hackers are always finding ways to get information through websites, and they can end up hacking your sites, social media pages, and more. The more often you change your passwords, the less likely you are going to be hacked.

9. Credit, Not Debit

You have more security when you use a credit card instead of your debit card. Most credit card companies offer purchase protection, so you aren’t liable for purchases made if your card is stolen. This is not an option with a debit card, and thieves can clean out your bank account.

10. Save Copies of Your Online Orders

Whenever you buy anything online, save a copy of the order. That way, you will have proof of purchase in case there is a problem with your order. The confirmation page should have a receipt, and a confirmation number. Keep this information until you have received the items you ordered.

Featured photo credit: Recrea HQ via flickr.com

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Jane Hurst

Writer, editor

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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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