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Shop Safe Online: I Wish I Knew These 12 Tips Earlier

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Shop Safe Online: I Wish I Knew These 12 Tips Earlier

There is still a segment of the population that refuses to buy anything online because they are afraid of exposing their financial information to thieves. However, if the recent credit and debit card breach at Target stores taught us anything, it’s that going inside a store to swipe your card doesn’t mean your data is necessarily any safer.

Meanwhile, some of the top products purchased by those who do cluelessly take the plunge and then later regret buying online include cars, used items, clothing, jewelry, furniture, makeup, commemorative coins, big-ticket items, TVs and even human hair weaves.

And yes, while some items should never be purchased online – like illegal drugs and such – that doesn’t mean consumers should give up buying online. Just follow these 12 tips to help you shop safely online:

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1. Shop only on trusted and secure websites.

It should come as a given, but chances are you’re better off turning over your credit or debit card number to a well known website like Amazon instead of a shady-looking, fly-by-night e-store that has been recently set up without secure shopping features.

2. Use the sizing chart provided when shopping for clothes.

Instead of assuming you’d probably fit a size “medium” item of clothing, dig deeper into the annals of the website to determine whether their “medium” fits a waist size of 29 inches and a bust size of 36 inches. Measure yourself to see how the site’s sizing compares to your body in order to help prevent returns.

3. Closely examine the refund policy.

Speaking of returning items, you want to stick with websites whose return policy is as liberal as Amazon or Zappo’s, online retailing giants who are known to put the customer first in many ways. Make sure you’ll be able to send back the item you’ve purchased if you’re not satisfied for any reason and immediately get your money credited back to you.

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4. Perform price comparisons first.

Even online stores like Walmart.com allow third-party sellers to sell goods for jacked-up prices through their site, in many instances at higher rates that allow the sellers to clear a profit. A bit more research might allow you to find the same item for much less by cutting out the middleman.

5. Use your credit card instead of your debit card.

Unfortunately, if you do run into a fraudulent retailer and have used a debit card attached directly to your checking account, the thieves might be able to make off with monies taken out of your account prior to you catching the transaction. Using your credit card can act as a buffer zone to give time to find the transaction and have it reversed or the card canceled.

6. Check your bank activity daily.

Speaking of stolen transactions, sometimes what’s done outside of your online shopping can help you more so than any of the other tips. Only by checking the activity of my card did I find a fraudulent transaction charged to Walmart that I didn’t make, and I was able to immediately cancel the card and get a new one.

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7. Think twice about storing your credit and debit card information online.

Yes, it’s very convenient to save our credit and debit card profiles with various retailers on the web to make future shopping trips go faster, but keeping fewer profiles like these lessens the chance of the entire file being hacked and stolen with your info exposed therein.

8. Read customer reviews.

Feedback from other customers can be very valuable in teaching you what other shoppers had to go through when making their own purchases. If there are plenty of complaints about missing products or bait-and-switch type tactics, steer clear.

9. Beware of the links.

There are times when Google will warn you that “this site may harm your computer” or you can spy out clues that a website is trying to redirect you to a nefarious website. Stay aware and keep away from sites that try to take you into unfamiliar territory when buying online.

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10. Consider offline word-of-mouth.

If you’re not accustomed to shopping online, follow the advice of real-world friends to help you determine the positive experiences they’ve had with various websites.

11. Never send cash.

It sounds crazy, yes, but there are plenty of hucksters out there who attempt to get newbies to wire cash in exchange for products, services or schemes that are nothing but frauds.

12. Keep all of your receipts.

Most websites will provide users with confirmation numbers, transaction numbers and e-mailed receipts directly after a purchase is made. Make sure to take a screenshot of your order success page, print out any confirmations and save all e-mailed receipts in case you ever need proof of your online purchases.

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When it flows effortlessly and securely, shopping on the net can be a big blessing. After all, there are times when you might seek out embarrassing personal care products that you don’t necessarily want to tromp down to your cute local pharmacist to purchase. Also, if you are busy, it’s easier to just jump online and have things shipped straight to your house. Thank God for the Internet! Shop safe online and take advantage of the trend that’s here to stay.

Featured photo credit: Businesswoman pressing promotion and shipping type of modern buttons / ra2studio via bigstockphoto.com

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Last Updated on January 5, 2022

33 Painless Ways to Save Money Now

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33 Painless Ways to Save Money Now

In a difficult economy, most of us are looking for ways to put more money in our pockets, but we don’t want to feel like misers. We don’t want to drastically alter our lifestyles either. We want it fast and we want it easy. Small savings can add up and big savings can feel like winning the lottery, just without all of the taxes.

Some easy ways to save money:

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  1. Online rebate sites. Many online sites offer cash back rebates and online coupons as well. MrRebates and Ebates are two I like, but there are many others.
  2. Sign up for customer rewards. Many of your favorite stores offer customer rewards on products you already buy. Take advantage.
  3. Switch to compact fluorescent bulbs. The extra cost up front is worth the energy savings later on.
  4. Turn off power strips and electronic devices when not in use.
  5. Buy a programmable thermostat. Set it to lower the heat or raise the AC when you’re not home.
  6. Make coffee at home. Those lattes and caramel macchiatos add up to quite a bit of dough over the year.
  7. Switch banks. Shop around for better interest rates, lower fees and better customer perks. Don’t forget to look for free online banking and ease of depositing and withdrawing money.
  8. Clip coupons: Saving a couple dollars here and there can start to add up. As long as you’re going to buy the products anyway, why not save money?
  9. Pack your lunch. Bring your lunch to work with you a few days a week, rather than buy it.
  10. Eat at home. We’re busier than ever, but cooking meals at home is healthier and much cheaper than take-out or going out. Plus, with all of the freezer and pre-made options, it’s almost as fast as drive-thru.
  11. Have leftovers night. Save your leftovers from a few meals and have a “leftover dinner.” It’s a free meal!
  12. Buy store brands: Many generic or store brands are actually just as good as name brands and considerably cheaper.
  13. Ditch bottled water. Drink tap water if it’s good quality, buy a filter if it’s not. Get 
      a reusable water bottle and refill it.
    • Avoid vending machines: The items are usually over-priced.
    • Take in a matinee. Afternoon movie showings are cheaper than evening times.
    • Re-examine your cable bill. Cancel extra cable or satellite channels you don’t watch. Watch the “on demand” movie purchases too.
    • Use online bill pay. Most banks offer free online bill paying. Save on stamps and checks, and avoid late fees by automating bill payment.
    • Buy frequently used items in bulk. You get a lower per item price and eliminate extra trips to the store later on.
    • Fully utilize the library. Borrowing books is much cheaper than buying them, but in addition to books, most local libraries now lend movies and games.
    • Cancel magazine/newspaper subscriptions: Re-evaluate your subscriptions. Cancel those you don’t read and consider reading some of the other publications online.
    • Get rid of your land-line. Do you really need a land-line anymore if everyone in the family has a cell phone? Alternatively, look into using VOIP or getting a cheaper plan.
    • Better fuel efficiency. Check the air pressure in your tires, keep up with proper auto maintenance, and slow down. Driving even 5MPH slower will result in better fuel mileage.
    • Increase your deductibles. Increasing the insurance deductibles on your homeowners and auto insurance policies lowers premiums significantly. Just make sure you choose a deductible that you can afford should an emergency happen.
    • Choose lunch over dinner. If you do want to dine out occasionally, go at lunchtime rather than dinnertime. Lunch prices are usually cheaper.
    • Buy used:  Whether it’s something small like a vintage dress or a video game or something big like a car or furniture, consider buying it used. You can often get “nearly new” for a fraction of the cost.
    • Stick to the list. Make a list before you go shopping and don’t buy anything that’s not on the list unless it’s a once in a lifetime, killer deal.
    • Tame the impulse. Use a self-enforced waiting period whenever you’re tempted to make an unplanned purchase. Wait for a week and see if you still want the item.
    • Don’t be afraid to ask. Ask to have fees waived, ask for a discount, ask for a lower interest rate on your credit card.
    • Repair rather than replace. You can find directions on how to fix almost anything on the internet. Do your homework, and then bring out your inner handyman.
    • Trade with your neighbors. Borrow tools or equipment that you use infrequently and swap things like babysitting with your neighbors.
    • Swap online. Use sites like PaperBack Swap to trade books, music, and movies with others online. Also, look for local community sites like Freecycle where people give away items they no longer need.
    • Cut back on the meat. Try eating a one or two meatless meals every week or cut back on the meat portions. Meat is usually the most expensive part of the meal.
    • Comparison shop: Get in the habit of checking prices before you buy. See if you can get a better price at another store or look online.

    Remember that saving money is not about being cheap or stingy; it’s about putting money into your bank account rather than giving it to someone else. There are many ways to save money, some you’ve never thought of, and some that won’t appeal or apply to you. Just pick a few of the ideas that sound doable and watch the savings add up. Save big, save small, but save wherever you can.

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    Featured photo credit: Damir Spanic via unsplash.com

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