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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 July 4, 2018

Top 10 Recommendations on Money Management Apps

Top 10 Recommendations on Money Management Apps

Don’t want to overspend your budget, swipe your credit card too many times, and feel like a financial mess? Instead of beating yourself up for the bad financial decisions you’ve ever made, create a new plan!

The solution is simple, save more and spend less. But, we all know it’s easier said than done.

One problem is finding quality apps that save you time and money, and aren’t just hype.

Luckily, there’re many great money management apps available at your fingertips. Here are 10 reliable money management apps that can help you save money, and crush debt.

1. Personal Capital

    When was the last time you’ve tracked your net worth? Probably months ago or maybe never. Personal Capital allows you to easily track your net worth and plan for retirement.

    Here are some of its main features:

    • Sync many investment accounts, and expenses (mortgage, credit cards, etc.) in one place
    • Discover hidden fees and how much they’re affecting your retirement plan
    • Wealth management for investors requiring a long-term strategy

    With Personal you’re free to track your expenses and net worth.

    Available for: iOS and Android

    2. Mint

      If your smartphone could only install a few apps, Mint would be one of them. Why? Because Mint tracks all your balances and bills in one place.

      Here are some of its main features:

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      • Effortlessly track all your bills and balances in one dashboard
      • Categorized expenses to understand where you spend your money
      • Uncover hidden fees, and determine your investment style with sophisticated retirement tools.

      Feel at ease with managing your money by a reputable company that isn’t going anywhere.

      Available for: iOS and Android

      3. YNAB

        Everyone needs a budget, there’s no way around it. YNAB (You Need A Budget) is an easy to use app that will change the way you think about money. Their motto is to “give every dollar a job”, and you’ll quickly discover why.

        Here are some of its main features:

        • Easily sync all bank accounts in one place
        • Visually see your debt paying progress with eye-catching charts and notifications
        • Customized categories setting saving goals

        The best part about YNAB is the community that comes along with it. You can hop on the YNAB forum to receive support, listen to the YNAB Podcast or stay tuned for their weekly videos.

        Available for: iOS and Android

        4. Wealthfront

          Albert Einstein once said “compound interest is the eight wonder in the world”, and for a very good reason. The problem is, most people are scared or unwilling to learn the basics of investing. This is why Wealthfront is the perfect solution for the hands-off investors.

          Here are some of its main features:

          • Variety of investment account options including IRA, Roth IRA, and more
          • Your portfolio composed of 7 different asset classes
          • Automatically rebalanced portfolio
          • Daily tax loss harvesting

          Wealthfront is perfect for people requiring investment guidance, or prefer a hands-off solution.

          Available for: iOS and Android

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          5. Clarity Money

            If you’re staying on top of your budget but want to take your finances to the next level, Clarity Money can help you. Clarity Money helps you stay under budget and build a personalized savings plan.

            Here are some of its main features:

            • Easily cancel subscriptions with one click
            • Synchronize bank accounts fast
            • Transfer money effortlessly between different accounts

            Clarity Money isn’t an app that does it all. But, it does make transferring money and canceling subscriptions fast and efficient.

            Available for: iOS and Android

            6. Acorns

              What if there was a way to quickly gain confidence in investing your money, without too much risk? There is, and Acorns is your solution. With Acorns’s technology, you’re able to make investments as small as $5.

              Here are some of its main features:

              • Automatic contribution option
              • Customized portfolio tailored to your needs
              • Low management fees ranging from $1-$2 per month

              Stop wasting dollars on expensive coffee. Instead, invest them towards a brighter financial future.

              Available for: iOS and Android

              7. Albert

                Do you budget by only subtracting your expenses from your income? If so, how would you discover any overpayments or extra money you could save? This is where Albert shines, and it does it all free.

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                Here are some of its main features:

                • Receive notifications for overpayments, hidden fees, and low balances
                • An Automatic budget that’s built around your spending and income
                • Easily track debt and set new financial goals

                While Albert does offer a paid option, most of its core features are FREE. So, what better option to save?

                Available for: iOS

                8. Prism

                  Have you recently forgot to pay a bill because life got in the way? Prism automatically tracks your bills and syncs your bank accounts in one place.

                  Here are some of its main features:

                  • View all your account balances in one glance
                  • Bill due dates are automatically pulled and tracked
                  • Receive early reminders for upcoming bills

                  If your budget is on “fleek” but can’t seem to stay on top of your bills, Prism is your go-to app.

                  Available for: iOS, Android, Windows, Amazon

                  9. Mvelopes

                    Remember hearing about people using envelopes to budget their money? Well, Mvelopes is the new envelope system for this generation. Easily create monthly budgets and track your saving goals.

                    Here are some of its main features:

                    • Connect unlimited bank accounts
                    • Real-time budgeting with auto transaction syncing
                    • Low monthly $4 fee or $40 annual

                    Mvelopes can help you crush debt, save more, and help you stop overspending. With its low monthly fee, it’s worth a try.

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                    Available for: iOS and Android

                    10. Wallaby

                      Most people don’t have time to track their credit card’s changing rewards and interest rates. Because of this, you need help reaping the most of your credit card’s rewards. Wallaby is the app that will help you do just that.

                      Here are some of its main features:

                      • Automatic recommendations for the best credit card to use for each transaction
                      • A friendly user interface, displaying credit cards with their corresponding images
                      • Free to use

                      If you’re using the same credit card to make your purchases, you may be leaving money on the table. Give Wallaby a try if you’re ready to maximize your credit card’s rewards.

                      Available for: iOS and Android

                      Take control of your finances and experience financial freedom

                      Picture yourself staying on budget and saving more money than you’d ever imagined.

                      It took hard work and dedication but you’d finally learned how to manage your money. You have to start taking control of your spending and saving habits.

                      You now have a list of reliable apps that can help you build better money habits, what are you waiting for?

                      Featured photo credit: Pexels via pexels.com

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