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20 Smart Online Shopping Apps To Save You Big Bucks

20 Smart Online Shopping Apps To Save You Big Bucks

I love the fact that I can get basically everything I need with just a few clicks. However, my credit card statement often left me devastated with the amount of extra costs and fees adding up for nothing. That was until I discovered the 20 nifty online shopping apps allowing me to save (or even earn!) a few dollars here and there.  Allowing you to spend less when shopping more!

1. Revolut

Revoult

    A new hot app to be launched in a few weeks, Revolut, is a true savior for those who love shopping internationally. The app offers you a personal money cloud with a multi-currency card accepted anywhere. It works as a local card in each country and saves you on currency exchange. You can take advantage of interbank exchange rate and even send currencies for free through social networks with just a few clicks. Yet, the best thing is, there are no hidden banking costs involved!

    2. TheFind

    TheFind

      Create a personalized shopping hub with TheFind where you can save all of your favorite stores and brands and receive alerts once your favorite products go discounted.

      iOS (free) and Android (free)

      3. CoSign

      cosign-app-600x480

        Another hot new app on the list to watch out for in 2015! CoSign will let you share your awesome looks online, tag products you wear and get commissioned each time some of your followers click on it and make purchases. Commissions are expected to range from 5% to 30% with brands like Forever 21, Bliss, Macy’s and much more who have already confirmed their participation.

        Sign in to get notified when it will premiere in the App Store.

        4. Swagbucks TV

        screen568x568

          Works in conjunction with your Swagbucks account – a service offering special deals and perks for taking online surveys and buying products through its toolbar or website directly. Get this app installed on your phone, watch videos from different channels such as VEVO or Hulu and see how your SwagBucks meter fills up. You can earn up to 150 Swagbucks a day to exchange them for gift cards or special discounts. How awesome is that?

          iOS (free) and Android (free)   

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          5. Retail Me Not App

          retailmenot_ios

            The biggest and baddest pool of coupons and special discounts from top merchants, both online and offline. Get the Retail Me Not app for instant access to a selected list of stores you’ve been following.

            iOS (free) and Android (free)

            6. Pricegrabber

            PriceGrabber

              A handy app to help you find the best retailer’s deal. Pricegrabber pulls out the whole range of prices for a searched item to run a price comparison search among all merchants online. Alternatively, you can scan the barcode of the desired product and check how much it costs online – including a “Bottom Line Price” with taxes and shipping costs taken into account.

              iOS (free) and Android (free)

              7. Ebates

              ebates-iOS7-proposed_header_cells

                Get paid with Ebates app each time you purchase anything online from one of the participating retailers, plus receive a bunch of coupons and special deals available to members only! Launched in 1998, Ebates is still one of the most trustworthy cash back services on the Internet.

                iOS (free) and Android (free)

                8. ShopSavvy

                shopsavvy

                  ShopSavvy app comes in handy when shopping both online and offline. Get a product barcode or QR code scanned to receive a full pool of prices available in different online and local stores. The app also generates a map of the closest stores with best pricing. Plus, you can save the deals you’ve found online to purchase later.

                  iOS (free) and Android (free)

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                  9. Bestie Shopping

                  bestie-650

                    A Pinterest-styled social network for shoppers, Bestie lets you create and follow feeds from people with tastes similar to yours, like and comment on the products they share, read descriptions and reviews of those goods that matter to you and your network only. Also, Bestie offers special promo codes from selected merchants.

                    iOS (free) and Android (free)

                    10. Google Shopping

                    2 phones together

                      Google Shopping lets you search over a million products available around the web and filter them by prices, reviews or any other special characteristics. Launch search by typing, a voice command, scanning the barcode or even uploading cover art.

                      iOS (free) and Android (free)

                      11. Shop Advisor

                      Shop-Advisor-App1

                        Avoid impulse shopping by adding and organizing all the products you want at Shop Advisor. The app will send you a notification whenever the ‘price is right’.

                        iOS (free) and Android (free)

                        12. ShopKick

                        Shopkick_post

                          An excellent app for redeeming products! Get special rewards (kicks) for browsing ShopKick catalogs or doing paid surveys to later exchange those for gift cards or buy discounted goodies.

                          iOS (free) and Android (free)

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                          13. Raise Mobile

                          raise-mobile-merchant-page-2994424172c424fd538fcd62394e6d02

                            Raise Mobile app allows you to purchase highly discounted gift cards from online merchants. Arguably, the best app to use for when you need buy a last minute gift.

                            iOS (free)

                            14. Myibidder Bid Sniper for eBay

                            Ebay

                              Hate getting outbid at the last seconds of eBay auction? I know I do! Myibidder gets your chances higher for winning the auction, by placing a bid for you as the last seconds count down. There’s no need to hawk over the desired product for days!

                              iOS (1.99$) and Android (free with in app purchases)

                              15. SavedPlus

                              17xk5azl2r83sjpg

                                Spending less is great, but saving is even more awesome! With SavedPlus app you can stash money while you surf the web. Simply link all your credit card and debit information into your account, then you determine how much you want to save with every purchase you make. For example, each time you shop, put away $5 right into your savings account. The service reports that their users manage to save $600 monthly on average!

                                iOS (free) and Android (free)

                                16. Wallaby

                                Wallaby-financial.png

                                  Do you take advantage of cards offering cash backs and smart reward programs? Now with Wallaby you can double your benefits by having the app tell you which card to use for online shopping by analyzing all the nuts-and-bolts of all of your reward programs. Also, you can set up notifications for when you’re getting close to your credit limit or it’s time to pay the bills.

                                  iOS (free) and Android (free)

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                                  17. BillGuard

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                                    An excellent analytics tool, BillGuard allows you to check up your balances and recurring payments for all of your cards on the go. The app also provides your spending analytics, protects your cards from frauds and what’s even better, shows you all the “grey charges” that you may not be aware of!

                                    iOS (free) and Android (free)

                                    18. Redeemia

                                    redeema

                                      Redeemia saves you a huge load of time by aggregating the best money saving deals and discounts from Groupon, Living Social and other coupon sites according to your location and preferences.

                                      iOS (free) and Android (free)

                                      19. Trivago

                                      trivago-app

                                        An excellent app for frequent travelers, Trivago does all the boring work of price comparison for hotel room prices across numerous hotel booking websites, letting you know where you will get the best deal!

                                        iOS (free) and Android (free)

                                        20. Poachit

                                        poachit-brandappo-blog

                                          Poachit promises to enhance your shopping experience by providing you with the product you want for the price you love! Sign in to the app and flag all of the items you would like to purchase. Once the item goes on sale or a coupon becomes available, you will receive instant texts to grab it while it’s hot.

                                          iOS (free) and Android (free)

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                                          Elena Prokopets

                                          Freelance Writer

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                                          Published on May 7, 2019

                                          How to Invest for Retirement (The Smart and Stress-Free Way)

                                          How to Invest for Retirement (The Smart and Stress-Free Way)

                                          When it comes to stocks, I bet you feel like you have no idea what you’re doing.

                                          Everyone who’s not a financial expert has been there. I’ve been there. But, time is passing and you need to be crystal clear with how you’re investing for your retirement.

                                          Otherwise, it’s back to work until you can afford not to. So, how can you invest for retirement when you’re not a financial expert?

                                          You take the time to learn the fundamentals well. If you do, you can grow your wealth and retire happy. The best part is that you don’t need to be a financial expert to make smart investment decisions.

                                          Here’s how to invest for retirement the smart and stress-free way:

                                          1. Know Clearly Why You Invest

                                          Odds are you already know why should invest for retirement.

                                          But, maybe you know the wrong reasons. It’s time you get clear on why you’d like to retire. Here are some questions to help you get started:

                                          • Will you spend more time with your family?
                                          • What does retirement mean to you?
                                          • Are you looking to launch that business you’ve been holding off for years?

                                          Everyone wants to retire but not for the same reasons. Once you’re clear for why retirement is important for you, you’ll focus on making it happen.

                                          Investing in the stock market allows you to take advantage of compound interest.[1] All this means is that your money earns money on top of its interest. A reason why investment in the stock market is one of the best ways to plan for retirement.

                                          2. Figure out When to Invest

                                          “The best time to plant a tree was 20 years ago. The second best time is now.”– Chinese Proverb

                                          It’s true if you’d had started investing when you were 10 years old, you’d have a lot more money than you do today.

                                          The reality is that most people don’t start investing until it’s too late. So, if you’re currently waiting for the perfect time to start an investment, it would be today. Open your calendar and block out 2 to 3 hours to choose how you’ll invest for retirement.

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                                          A quick way to get a snapshot of where you stand is to use Personal Capital. Input all your personal information and spend some time setting your retirement goals. Once completed, you’ll know where you stand with your retirement.

                                          Having a savings account for retirement isn’t planning for retirement. Why? Your money loses value when you factor in US inflation.[2]

                                          3. Evaluate Your Risk Tolerance to Create the Perfect Portfolio

                                          Investing your money well depends on your emotions.

                                          Why?

                                          Because when the market drops most people panic and withdraw their money. On average, the US stock market yields an annual 6% to 7% ROI (return on your investment.) But, this won’t happen if you’re worried about short-term loses.

                                          Before you invest your next dollar, know your risk tolerance.[3] Your risk tolerance determines the number of risky and safe investments you’d have.

                                          Regardless of your investing style, you need to view investing for retirement as a long term game. Know that some years you’ll lose money but recoup this in the long-term.

                                          Avoid watching market-related new. Also, create a double authentication to log in your investment account. This way you’re less likely to withdraw your money.

                                          4. Open a Reliable Retirement Account

                                          Depending on your circumstance, you may need to open a new brokerage account. This is the account is where you’ll invest your money.

                                          If you’re currently working for a company, odds are that they offer a 410K investing account. If so, here’s where you’ll invest most of your money. The only problem with this is that you’re limited to the stock options that are available.

                                          You do have the option to open a separate IRA (individual retirement account.) Here are some of the best brokers:

                                          1. Vanguard
                                          2. TD Ameritrade
                                          3. Charles Schwab

                                          5. Challenge Yourself to Invest Consistently

                                          Committing to invest for retirement is hard, but continuing to do so is harder.

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                                          Once you’ve started investment for your retirement, you run at risk from stopping. Often you’ll want to contribute less, so you’d have more money in your pocket.

                                          That’s why it’s important that you create a budget that allows you to invest each month. If you’re working for a company, you can set a percentage for the amount you’d like to contribute each month. Most people by default contribute 1% but aim to contribute 10% to 15%.

                                          Be the judge for how much you can afford to contribute after covering important expenses. To stay motivated, use Personal Capital to view your net worth.

                                          A benefit to contributing money to your retirement account is not taxed. For example, if you earn $100 and invest 10%, you’d contribute $10, then get taxed on the remaining $90. As of 2019, the most you’re able to contribute towards your 401K is 19K but this can change.

                                          6. Consider Where to Invest Your Money

                                          The most common way to invest your money is in stocks, but it’s not the only way. Here are other ways to invest:

                                          Robo Advisors

                                          Robo-advisors[4] are fancy algorithms that’ll choose the best investments for you. Sites like Wealthfront make it easy for first-time investors to invest their money. You’d input information about yourself and set your risk tolerance.

                                          Then, set your monthly contribution amount and your robo-advisor would do the rest. Robo-advisors charge a fee to manage your money, but less than regular advisors.

                                          Bonds

                                          Think of bonds as “IOUs” to whomever you buy them from.

                                          Essentially, you’re lending money and charging interest. Like stocks, not all bonds are equal. Some will be riskier than others depending on their rating.

                                          Here are the different types of bond categories:[5]

                                          1. Treasury bonds
                                          2. Government bonds
                                          3. Corporate bonds
                                          4. Foreign bonds
                                          5. Mortgage-backed bonds
                                          6. Municipal bonds

                                          Mutual Funds

                                          Picture a group of people dumping all their money in a jar that’s managed by a professional. This is how mutual funds work. The fund manager manages the money looking to earn capital gains (interest.)

                                          One of the best types of mutual funds is index funds. Since these funds don’t try to beat the market and instead follow it, they need less research. Because of this they often charge the lowest fees and yield the best long-term results.

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                                          Real Estate

                                          Yes, buying a home is an investment when done correctly.

                                          Imagine buying a home and using it as a rental property. After repairing it, you receive a monthly surplus check of $100 to $200.

                                          This may not sound like a lot, but repeat this process enough times and you’d earn a large amount of passive income. That’s why real estate is one of the best investments to not only retire but become wealthy.

                                          But, it requires a lot of money to start and you should expect losing money along the way as you learn the process.

                                          Savings Accounts

                                          Your money can still grow in a savings account. Nowadays most online banks offer a 2% annual return. Although the average inflation is higher your money will be available when you need it.

                                          7. Master Disincline to Dodge Short Success

                                          Investing for retirement is a long-term strategy. That’s why you need to master delayed gratification. All this means is delaying short-term pleasure for something bigger in the future. Research shows that those who have delayed gratification are more successful.[6]

                                          So how can you master delayed gratification?

                                          By building your discipline.

                                          Think back to what retirement means to you. A clear purpose will help you avoid withdrawing your money during a market downturn. It’ll help you contribute more towards retirement when you’d want to waste it instead.

                                          Your journey towards retirement will be long, so reward yourself along the way. Choose a reward that’s relevant and meaningful, so that you reinforce positive behavior. For example, after contributing more towards retirement, treat yourself to dinner.

                                          8. Aggressively Invest on This One Investment

                                          I’ve mentioned several types of investments but haven’t covered the most important one.

                                          It sounds cliche but here’s why you’re your best investment towards retirement. The more you know, the more money you’ll be able to make. The more good habits you adopt, the more secure your retirement will be.

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                                          More importantly, investing in yourself is an investment that no one can take away. There’s no market downturn nor tragic circumstance that’ll wipe your knowledge and experience.

                                          But, how can you invest yourself?

                                          Reading books, blogs, and anything that’ll help you learn new topics daily. Listen to podcasts and audiobooks on your commute to/from work.

                                          Save money to buy courses and hire coaches. I used to believe hiring coaches was a waste of money when I could learn the subject alone.

                                          But, coaches see your blind spots and hold you accountable. Hiring the right coach will help you achieve your goals faster than you would’ve alone.

                                          Retire Happy with Excess Money

                                          The key to a secure financial future doesn’t only belong to financial experts.

                                          It’s possible for you and I. What if you were able to retire earlier than most people and weren’t a financial planner? What if you were able to focus on what you enjoy doing the most while your money was working hard for you?

                                          I know this sounds impossible now, but the truth is you’re capable of taking charge of your retirement. I’m not a financial expert but I’ve learned how to invest my money by reading books and learning from others.

                                          Investing your money is scary. So start small and invest a small amount of your money with a robo-advisor. Feel your money drop and rise for a month or two. Then, invest more and keep this up until you’re aggressively saving for retirement.

                                          One day, you’ll wake up with a net worth you’re proud of – confident about your retirement. You now know a few strategies you can use to invest in your retirement. Will you take action to retire happy?

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                                          Featured photo credit: Matthew Bennett via unsplash.com

                                          Reference

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