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Comparison Shopping: The Ultimate Resource To Save Time and Money (Pre-Holiday Tip!)

Comparison Shopping: The Ultimate Resource To Save Time and Money (Pre-Holiday Tip!)

Saving money is often the foremost thing on most of our minds (especially when it comes to holiday shopping!) When we get down to the business of indulging in a new toy, household item or other product, saving ourselves time ranks a not-so-distant second.

Besides, with huge range of products available today, finding the balance between the best price versus the best quality may take you hours of research and driving from mall to mall.

But, with the nearly endless responsibilities that life puts on our plates each day, who has time to spare?

If you answered that question with a resounding “not me,” then check out these four fantastic comparison shopping tools that allow you to save both time and money:

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1. ShipGooder

ShipGooder

    Sometimes the biggest expense with an online purchase is shipping, a terrible problem that many market analysts see as the last big hurdle to getting people to switch en masse to online shopping over more traditional brick and mortar stores. Whether you shop via a third-party connection marketplace like Amazon or direct from the official website of your favorite retailer, the deals offered often seem very nice, until you reach the shipping page and find that what little money you hoped to save would be negated when you add in the cost of delivery.

    When you’re dealing with prohibitive shipping costs, the new ShipGooder server is an excellent tool that helps you to flesh out your options. Simply enter two zip codes and the package weight and ShipGooder will instantly return the available options for you to scan, saving you both time and money when it comes to shipping and receiving online purchases.

    2. Nextag

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    Nextag

      General price comparison websites are a dime a dozen, but Nextag stands out for its sheer size as well as its ease-of-use. The website’s simplistic design makes searching for a particular product a breeze, and their wide range of merchant partnerships means that millions of products are available through their service.

      With more than 10 years of experience and 30 million users per month taking advantage of it, there is no doubt that Nextag is a leader where price comparison is concerned, and you’ll definitely find it useful, assuming they partner with the merchants you need to find the product you’re looking for.

      3. PriceGrabber

      PriceGrabber

        One of the most popular price comparison websites in the world, PriceGrabber is well-known for its thorough product listings. The website provides both a search function and handy highlights on popular products, helping you to find the best deal on the hottest items with only a click or two, saving you time even while it promises to save you money.

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        Unlike Nextag, PriceGrabber provides comparisons in price and reviews from retailers across the internet, not requiring them to sign into any type of partnership. This means that you’re getting a full overview of what the web has to offer in the way of products, prices, delivery times and costs, and more.

        4. RedLaser

        RedLaser

          With mobile access now representing the way that many of us use the web, having a price comparison tool that can travel in your pocket is a valuable thing. This is one of a few ways that the RedLaser smartphone app sets itself apart from the competition. This app installs on your Apple iPhone or Google Android smartphone, making itself available to you when you’re shopping in order to give you the scoop on what other retailers, both online and offline, are charging for the same products.

          Products can be searched by UPC code or even via QR data if your phone’s camera is of a high enough quality to take a clear shot of a product’s barcode. This instantly presents you with a wealth of data, including comparative prices, GPS-enabled directions to competitors, and access to prices at online giants like eBay and Amazon, all coming together to ensure that you don’t spend a single dollar more than necessary to get the product that you want.

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          5. Collaborative Saving

          Happier

            This is a bit different in concept from the above tools but one that has some incredible potential: It offers you the ability to let your friends suggest deals to you. It makes perfect sense, people who you trust and who you probably share common interests with can suggest to you most relevant and reliable deals (as well as where to buy things).

            Happier (currently in beta) is so far the best example of this concept being implemented.

            Free Tool Most Useful Feature
            ShipGooder Compare shipping prices
            Nextag Powerful “Compare user reviews” feature
            PriceGrabber Local results (to quickly find best products nearby)
            RedLaser Powerful mobile support
            Happier Collaborative shopping and saving

            Luckily, we have online shopping tools to help us save time and money. Are there any other comparison shopping tips you use? Please share them in the comments!

            Your thoughts: Do you have any comparison shopping resource in your mind?

            Featured photo credit:  A couple selecting paint samples via Shutterstock

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            Published on January 8, 2021

            How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

            How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

            Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

            The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

            Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

            What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

            Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

            1. Pay More Than the Minimum Credit Card Payments

            Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

            Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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            You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

            The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

            2. Start With High-Interest Credit Card Debt

            If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

            First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

            At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

            3. Revisit Your Budget

            Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

            You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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            Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

            If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

            4. Avoid Using Your Credit Cards

            Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

            The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

            It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

            5. Start a Side Hustle to Boost Your Income

            You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

            If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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            Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

            It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

            6. Sell Your Used Items for Extra Cash

            Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

            A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

            Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

            When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

            7. Know When to Seek Help With Your Debt

            Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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            There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

            In extreme cases, the debt solution can be:

            • Debt relief – where your debt is partially or wholly forgiven
            • Debt consolidation – taking out one loan to repay others
            • Debt settlement – the creditor forgives a significant portion of your debt
            • Bankruptcy – legal process for seeking relief from some or all your debts

            It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

            Wrapping It Up

            Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

            So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

            More Tips on How to Pay Off Debt

            Featured photo credit: rupixen.com via unsplash.com

            Reference

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