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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 January 2, 2019

How Personal Finance Software Helps You Get More Out of Your Money

How Personal Finance Software Helps You Get More Out of Your Money

Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

What Exactly is Personal Finance Software?

Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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How It Leads to Financial Improvement

It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

Types of Personal Finance Software

When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

When to Use Personal Finance Software

So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

1. You Have Multiple Accounts

There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

2. You Want to Automate Some or All of Your Payments

Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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There’s no need to log into every account you have and type in your routing number either.

With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

3. You Need to Streamline Your Budget

Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

4. You Have Specific Goals to Meet

Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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How to Get Started

From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

Final Thoughts

Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

Featured photo credit: rawpixel via unsplash.com

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