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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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Published on November 20, 2018

The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

The truth is, there are many “money saving guides” online, but most don’t cover the root issue for not saving.

Once I’d discovered a few key factors that allowed me to save 10k in one year, I realized why most articles couldn’t help me. The problem is that even with the right strategies you can still fail to save money. You need to have the right systems in place and the right mindset.

In this guide, I’ll cover the best ways to save money — practical yet powerful steps you can take to start saving more. It won’t be easy but with hard work, I’m confident you’ll be able to save more money–even if you’re an impulsive spender.

Why Your Past Prevents You from Saving Money

Are you constantly thinking about your financial mistakes?

If so, these thoughts are holding you back from saving.

I get it, you wish you could go back in time to avoid your financial downfalls. But dwelling over your past will only rob you from your future. Instead, reflect on your mistakes and ask yourself what lessons you can learn from them.

It wasn’t easy for me to accept that I had accumulated thousands of dollars in credit card debt. Once I did, I started heading in the right direction. Embrace your past failures and use them as an opportunity to set new financial goals.

For example, after accepting that you’re thousands of dollars in debt create a plan to be debt free in a year or two. This way when you’ll be at peace even when you get negative thoughts about your finances. Now you can focus more time on saving and less on your past financial mistakes.

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How to Effortlessly Track Your Spending

Stop manually tracking your spending.

Leverage powerful analytic tools such as Personal Capital and these money management apps to do the work for you. This tool has worked for me and has kept me motivated to why I’m saving in the first place. Once you login to your Personal Capital dashboard, you’re able to view your net worth.

When I’d first signed up with Personal Capital, I had a negative net worth, but this motivated me to save more. With this tool, you can also view your spending patterns, expenses, and how much money you’re saving.

Use your net worth as your north star to saving more. Whenever you experience financial setbacks, view how far you’ve come along. Saving money is only half the battle, being consistent is the other half.

The Truth on Why You Keep Failing

Saving money isn’t sexy. If it was, wouldn’t everyone be doing it?

Some people are natural savers, but most are impulsive spenders. Instead of denying that you’re an impulsive spender, embrace it.

Don’t try to save 60 to 70% of your income if this means you’ll live a miserable life. Saving money isn’t a race but a marathon. You’re saving for retirement and for large purchases.

If you’re currently having a hard time saving, start spending more money on nice things. This may sound counterintuitive but hear me out. Wouldn’t it be better to save $200 each month for 12 months instead of $500 for 3 months?

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Most people run into trouble because they create budgets that set them up for failure. This system won’t work for those who are frugal, but chances are they don’t need help saving. This system is for those who can’t save money and need to be rewarded for their hard work.

Only because you’re buying nice things doesn’t mean that you’ll save less. Here are some rules you should have in place:

  1. Save more than 50% of your available money (after expenses)
  2. Only buy nice things after saving
  3. Automate your savings with automatic bank transfers

These are the same rules that helped me save thousands each year while buying the latest iPhone. Focus only on items that are important to you. Remember, you can afford anything but not everything.

How to Foolproof Yourself out of Debt

Personal finance is a game. On one end, you’re earning money; and on the to other, you’re saving. But what ends up counting in the end isn’t how much you earn but how much you save. Research shows that about 60% of Americans spend more than they save.[1]

So how can you separate yourself from the 60%?

By not accumulating more debt. This way you’ll have more money to save and avoid having more financial obligations. A great way to stop accumulating debt is using cash to pay for all your transactions.

This will be challenging, depending on how reliant you are with your credit card, but it’s worth the effort. Not only will you stop accruing debt, but you’ll also be more conscious with what you buy.

For example, you’ll think twice about purchasing a new $200 headphone despite having the cash to buy them. According to a poll conducted by The CreditCards.com, 5 out of 6 Americans are impulsive spenders.[2]

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Telling yourself that you’ll have the discipline to not buy things won’t cut it. This is equal to having junk food in your fridge while trying to eat healthy–it’s only a matter of time before you slip. By using cash to make your purchases, you’ll spend less and save more.

A Proven Formula to Skyrocket Your Savings

Having proven systems in place to help you save more is important, but they’re not the best way to save money.

You can search for dozens of ways to save money, but there’ll always be a limit. Instead of spending the majority of your effort saving, look for ways to increase your income. The truth is that once you have the right systems in place, saving is easy.

What’s challenging is earning more money. There are many routes you can take to achieve this. For example, you can work long and hard at your current job to earn a raise. But there’s one problem–you’re depending on someone else to give you a raise.

Your company will have to have the budget, and you’ll have to know how to toot your own horn to get this raise. This isn’t to say that earning a raise is impossible, but things are better when you’re in control right? That’s why building a side-hustle is the best way to increase your income.

Think of your side-hustle as a part-time job doing something you enjoy. You can sell items on eBay for a profit, or design websites for small businesses. Building a side-hustle will be on the hardest things you’ll do, be too stubborn to quit.

During the early stages, you won’t be making money and that’s okay. Since you already have a source of income, you won’t be dependent on your side-hustle to pay for your expenses. Depending on how much time you invest in your side-hustle, it can one day replace your current income.

Whatever route you take, focus more on earning and save as much as possible. You have more control than you give yourself credit for.

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Transform Yourself into a Saving Money Machine

Saving money isn’t complicated but it’s one of the hardest things you’ll do.

By learning from your mistakes and rewarding yourself after saving you’ll save more. What would you do with an extra $200 or $500 each month? To some, this is life-changing money that can improve the quality of their lives.

The truth is saving money is an art. Save too much and you’ll quit, but save too little and you’ll pay for the consequences in the future. Saving money takes effort and having the right systems in place.

Imagine if you’d started saving an extra $100 this next month? Or, saved $20K in one year? Although it’s hard to imagine, this can be your reality if you follow the principles covered in this guide.

Take a moment to brainstorm which goals you’d be able to reach if you had extra money each month. Use these goals as motivation to help you stay on track on your journey to saving more. If I was able to save thousands of dollars with little guidance, imagine what you’ll be able to do.

What are you waiting for? Go and start saving money, the sky is your limit.

Featured photo credit: rawpixel via unsplash.com

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