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7 Facts Every Online Shopper Must Know

7 Facts Every Online Shopper Must Know

Have you ever bought a shirt or dress online only to later find out when it was delivered to you that what you saw online was quite different from what you received? In this scenario, what do you think would be your next line of action? Well, you can either throw your hands up in the air while running around your neighborhood yelling, “I’ve just been cheated!” or you could try to return the shirt you just purchased. Whichever one you choose, the deed had been done. You already have made payments even before your shirt was delivered to you.

If you have gone through such an experience as this, you’d find out that more often than not, it is usually a ‘not too good’ experience. You will begin to regret why you ordered and paid for what you don’t like. And I bet that nobody bargains for such an experience. This is why it is very important for you to be double sure that you are spending your hard earned money on what you truly want.

With the emergence of the World Wide Web in the early 90s, a lot of things became possible to achieve, including online banking and online shopping or e-commerce. The days of waiting on a queue to get that very important product at the stores then became drastically reduced; as online shopping evolved with the promises of salvaging so many people who don’t have time to check at different shops for what they wanted before buying.

It is therefore very expedient for every shopper to be armed with the very right information, before shopping online so as to save the stress of regretting the purchase. So, here are 7 facts you, as an online shopper, must know in order to have a successful shopping experience always.

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1. Shipping Might Not Be Entirely Free

Before you purchase an item online, be sure to ascertain if what you are buying has a free shipping tag. This is so that you don’t have to overshoot your budget. If what you have planned to spend on a product is 70 dollars, and the shipping costs an extra 20 dollars, it would be better for you to decide from the onset if you are ready for the extra cost.

Before you make a purchase, go to the site and read the description and product information to be sure it has a free shipping tag or not. However, one good way to be sure is to actually contact the product owner. This gives you extra assurance of the true cost of shipping.

2. Be Thorough In Your Search

Next you must do a thorough research on the product so that you have enough information about the products you intend purchasing. One of the advantages of doing a vast research on the kind of products you want is that it gives you the ability to locate the right kind of brands. By combing a lot of online stores, you become a smarter shopper. You can take advantage of the internet and its offers by going to possible manufacturer sites, as well as industry sites to know more about the products you want to purchase.

3. Product Reviews Always Help

If you have always ignored product reviews on several shopping sites, quit that attitude! Good product reviews are written for one thing: to give you an idea of what to expect when you actually start using the product. With this in mind, why should you as a shopaholic ignore such reviews?

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Whether there are reviews of praise or reviews of condemnation about a product, they both help you to make a very wise decision about the type of product to eventually settle for and purchase. You’ll save yourself a lot of stress and time.

4. There Is an Avenue to Compare Prices

There is an avalanche of stores for you to check out different types of goods. Therefore without doubt, the availability of several other online stores makes it very easy for you to compare prices of these different products. This eventually helps you to arrive at the best product with the best price.

The best price here doesn’t necessarily mean the store with the cheapest price for your purchase. Sometimes, cheap isn’t good. It simply means the price that fits your budget. These stores offer discounts from time to time that you can cash in on to get the very best of deals.

5. Looks Can Be Deceptive

With the advent of Photoshop and other photo editing software that can make an ugly duckling look like a swan, you can be sure that some of these product images have been fine-tuned in order to be more attractive and gain attention from potential buyers like you. Therefore you must have this at the back of your mind when you are looking to see what product to settle for.

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Also, some of these high quality products might be unavailable on the sites, so be sure not to waste your time with such sites. You must be sure you are dealing directly with the manufacturer or a reliable retailer or dealer. One way to ensure this is to contact the dealer directly and ask all necessary questions.

6. There Might Be a Long Period of Waiting

It is very important for you to know that there might be a delay in shipment. This can be due to several unforeseen circumstances on the path of the company, supplier or dealer. Sometimes you need to give room for the delay such as your order being too small for the supplier to send alone or goods being held up at the customs if you’re buying from an international seller. It could also occur due to your location or your mode of delivery.

Sometimes, our purchases don’t arrive on their specified delivery dates and this often makes us shoppers pretty apprehensive. After all the effort involved in searching for the product and debiting our credit cards in the process, what else would you expect? However, giving room for delay will lower your chance of being apprehensive when your purchase doesn’t arrive on time.

7. Beware Of Fraud

To avoid being scammed while shopping online, it is important that you avoid making online purchases with a wire transfer or a checking account. Although many reputable companies offer this option, this is also the great way for a fraudster to embezzle your money from your bank account. Don’t ask me how they do it.

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Verify the source you are buying from thoroughly. This’ll help you ensure that you are not giving your account information to a crook that will end up stealing your money from your account.

So there you are. These facts provided above, will serve you so well if you take the actionable steps given seriously. Shopping online can be a wonderful and fruitful experience for you when you are armed with the necessary and important information.

When searching for the next product to buy online, remove all the guesswork and have these facts at the back of your mind. They’ll not only help you stay relaxed when shopping, but they’ll guarantee that you get the very best of what you want, without overshooting your budget. That’s the trait of a successful online shopper, and you can be one too.

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Published on September 17, 2018

How Being Smart With Your Money Leads to Financial Success

How Being Smart With Your Money Leads to Financial Success

Achieving financial success is not something that just happens. Maybe if you win the lottery or something, but for the average person like you or me, it comes from a series of small steps you take over a long period of time.

With each step, you form a new smart money habit. And with each smart money habit, you build towards financial independence.

So what sort of habits can you form to get on that path? Let’s take a look at smart money habits you can start today to get you closer to a financially independent future.

1. Avoid being “penny wise but pound foolish”

It’s tempting to try saving a couple cents here and there when buying small items. However, that’s not where the real money is saved. You’re putting in extra effort for something that doesn’t move the needle.

You get the most bang when you’re able to cut down on your bigger bills. For example, finding a lower interest rate for your mortgage could save you $50+ per month. And cutting your transportation bill by purchasing a cheaper car or taking public transportation can provide large gains as well.

So, look at your recurring expenses such as housing, transportation, and insurance, and see where there’s wiggle room. It’s a much better use of your time than trying to pinch pennies here and there on smaller purchases.

2. When you want something big, wait

Impulsivity can get you in trouble in most aspects of life. Finances are no different.

It’s human nature to see something and want it right then and there. It starts as a kid in the checkout line at the grocery store, and it continues on through adulthood.

We get an idea in our head of something we want, and it’s hard not to go out and get it right then.

A good example is wanting a new car. Perhaps you’ve had your car for several years. It’s crossed the 100k mile mark. Maybe maintenance is due, and you’re annoyed that you need to replace the timing belt or purchase new tires.

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So, you get the itch.

You start digging around online, and you realize you could trade in your current car for something newer and more exciting… all for a few hundred bucks a month. Then you get obsessed.

Here’s where you have to take a step back.

Your newfound obsession is clouding your judgement. Rather than giving into the impulse, wait it out.

Set a timeframe for yourself. Maybe you come back to the decision three months down the road. See if the obsession lasts.

It might, but often, a funny thing happens. Often, you forget about it. And often, you find that the new car wasn’t a need at all.

The impulse faded. And you just saved yourself a ton of money.

3. Live smaller than you can afford

You finally get that big raise. And you want to celebrate – and why not?

You’ve been looking forward to this forever. And after all, it was all due to your hard work.

That’s fine, splurge a little. However, make it a one-time deal and be done.

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Don’t get caught in the trap that just because you’re now making more money, you should spend more.

Too often, people get more money and feel like they that gives them the means to buy a bigger house, a bigger car… you know the drill. Resist.

The fact is that living smaller than what you can afford is one of the fastest ways to build savings.

But if you constantly upgrade as you begin to make more, then you’ll never get ahead. You’ll just build up more debt along the way and have just as little wiggle room as before.

4. Practice smart grocery shopping

Food… it’s one of the biggest portions of any budget. And if you’re not careful, it can be one of the biggest drains on your wallet.

But luckily, there are a few things you can do to ensure that you stay smart with your money when buying groceries.

Create a grocery budget

Set a strict weekly grocery budget. When you know how much you can spend on groceries, you can then plan your weekly menu around it.

Once you know what all you need, you can go shopping and keep a running tally as you shop to ensure you’re on track.

I tend to do this in my head, rounding for each item. However, writing it down as you go would probably work best for most people.

Make a list… and never deviate

Never go to the grocery store without a list. If you go to the store with a ballpark idea in mind, you don’t have a true ide of what you need.

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You’re not well-researched. You don’t know what the sales are. As a result, you’re going to make decisions on the fly.

These impulse decisions will lead to overspending, which will derail your grocery budget.

Eat before going grocery shopping

It’s also important to eat prior to going to the grocery store. Hunger is a powerful force.

If you’re shopping on an empty stomach, everything is going to look good. In particular, you may find a lot of ready-made, processed snacks will look enticing.

After all, you’re hungry now and that food is easily available. So subconsciously, you may lean towards those items.

Unfortunately, not only are those items typically less healthy, but they’re likely more expensive. You pay for convenience.

However, when you eat prior to shopping, then you’ll shop with a clear mind. Your hunger won’t cloud your judgement, influencing you to make poor decisions like a cartoon devil resting on your shoulder whispering in your ear.

This makes it much easier to stick to your grocery plan.

5. Cancel your gym membership

Now that you’re all set on your food, it’s time to get smart about managing your budget in terms of physical fitness. And let’s begin by avoiding the gym. The gym bill, that is.

The average gym membership costs around $60 per month. That’s $720 a year.

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Yet, two out of three gym memberships go unused. That means two-thirds of people who have a gym membership are literally giving away almost a thousand bucks a year. It’s crazy!

I recommend seeking an alternative. One good alternative is to look into fitness streaming services.

Streaming services allow you to stream hundreds of workouts like Insanity and p90x, right in your own home for around $10-20 a month. That’s $40-50 less a month than the average gym membership.

Of course, then there’s the free option. The internet is full of free workouts that you can do on your own with minimal or no equipment.

For example, there’s the Couch to 5K program, that I personally used a decade ago to ease myself from couch potato to running my first 5K race. If I could do it, anyone could.

Then there are free resources like reddit that have limitless information on workouts. The Fitness subreddit has done all the research for you, populating workout tips and detailed workout routines for anyone to use in their wiki.

There are several routines that require no equipment. And you can join in on the subreddit to become part of the community, making it easier for those seeking comraderie and encouragement in their fitness goals. All for free.

It’s baby steps… And baby steps can start now!

I’ve never met anyone that can’t stand to be a bit smarter with their money. And on the flip side, anyone can get smarter with their money. But remember, it doesn’t happen all at once.

Begin by fighting your impulses. Prepare for the week and be smart at the store. And cut monthly expenses like gym memberships that are overpriced and you probably aren’t getting your money’s worth out of anyway.

The devil is in the details. And the details can change your lifestyle and prep you for a financially independent future.

Featured photo credit: Unsplash via unsplash.com

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