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How to Get the Best Deals When Purchasing Apple Products

How to Get the Best Deals When Purchasing Apple Products

Apple is a company that has its staunch haters and its “fanboys”. However, two things that both groups can agree are, for one, Apple does not always give deals, and for two, their items are a bit on the high side compared to other manufacturers. However, consumers have come to learn that quality comes at a price, and many will accept Apple’s pricing without any fuss. Consumers would be surprised to learn that there are some ways you can still enjoy all that Apple has to offer without having to break the bank. Today, we will go over a couple of ways this is possible.

Third-Party Retailers

Apple and mobile carriers aren’t the only locations where you can get Apple items. Actually, due in part to how many individuals think this is fact, these are the stores that are quite busy during the holiday shopping season. However, there are many other amazing places to pick up your Apple items.

First off, if you are looking into purchasing iPhones for the holiday season, you are in for a greater savings. First off, let’s look at all of the retailers you can choose from. There is the Apple Store, Best Buy, Wal-Mart, and Target. Two choices I would immediately rule out would be Wal-Mart and Target. While they are great for you other needs, in terms of iPhones, I would not say so.

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They don’t provide the option to purchase iPhones in all of their locations. In my area alone, I would have to drive an extra 20 miles to the closest Target and about 15 miles to the closest Wal-Mart providing this option. I would be passing one other Target and two Wal-Marts doing this, yes I looked! Also, Target doesn’t have a financial incentive in purchasing their way, unlike Wal-Mart who is cutting around $10 to $15 off the average price.

So then we have Best Buy and Apple. In terms of guaranteed amazing customer service, available options, and expert knowledge, Apple would be the obvious way to go. So, why would I recommend Best Buy over Apple this year? Their deals! Best Buy is offering all iPhones at $50 off. That’s the lowest price, ever! iPhone 4S will go for $49.99, iPhone 5 for $149.99. That’s just amazing and will save you more money for other things, like cases and Lightning adapters!

Don’t Pass Up Refurbished

If you haven’t heard, Apple is selling Macbook Air laptops for $719 and even Mac Minis for under $800. No, these aren’t back alley deals, the only catch is that they are refurbished. Don’t scroll to the next bullet just yet. Refurbished products seemed to have always gotten a bad wrap, causing it to be developed as a shameful word. However, this isn’t rightfully so.

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Apple has always offered high quality refurbished items since the program debuted. While they aren’t offering refurbished iPhones, amazing deals for Macs, iPods, and especially iPads have always been there. So why exactly should you go refurbished this holiday season? First off, Apple inspects all refurbished items before putting them for sell. We always expect Apple to provide the highest integrity in their items, refurbished is no different.

Refurbished items range any from formerly dropped items that have been factory repaired to some that were just returned for a different color. One thing both items share is that they come out looking perfect and they always get a new battery and outer shell, regardless of the condition. Lastly, you always get a one year warranty, so if you find an issue, Apple gives you a new device. Apple brings new hope to the title, refurbished.

Make Use of Trade-Ins

If you are still a bit freaked out by purchasing refurbished but still can’t afford to give the gift of Apple, you still have a couple of options. One option is to make use of trade-ins. If you have old iPhones just lying around the house, why not give them new life and trade them in for cash.

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Gazelle is a wonderful option for trade-ins. In general, most trade-in services work the same. Just go on their respective websites, answer a couple of questions regarding the item’s condition and what you have with it (chargers, etc). Then, you are given an amount that they will pay you. Then, receive an email with your item list and shipping label, and send it off.

You only make money with these services, so they shouldn’t charge you for shipping. Also, due to the fact that they must receive your item before you receive your money, it’s important to only work with a reputable trader. Glyde is also another great choice, allowing you to not only trade-in your item, but also purchase an item through Glyde at a low price.

As you’ve just learned, it is quite easy to spend less on the Apple gadgets you are purchasing this holiday season. If you are willing to venture out to other retailers like Best Buy, you can garner a huge discount. We also learned that the largest deal comes when purchasing refurbished. Trade-ins from websites like Glyde and Gazelle are also great ways to save a penny or two. Which option are you doing this holiday season? Let us know in the comments below.

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Featured photo credit:  BOLOGNA, ITALY – AUGUST 6 via Shutterstock

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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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