Being frugal truly starts with a commitment on your part. You have to dedicate yourself to learning as much as you can about how to save money. When you want to shop online, this article should be the start of your education, so be sure to read it in full.
Before going shopping at any online retailer, do a quick search for promotional codes. Many of the big retailers often have promotions running that are not advertised on their home page. Doing a quick search for these codes will allow you to insert the code at checkout to save money.
When shopping online, choose the best shipping policy. Many times companies offer expedited shipping. However, many times getting the product one day earlier can cost you as much as twice the normal shipping price. Therefore, if you can wait on the product to arrive using normal shipping instead of expedited shipping, choose standard shipping to save money.
When you enjoy the convenience of frequent online shopping, it’s very important to keep changing the passwords you use for each account. Every couple of weeks or so, make up a new password for your bank and the shopping sites directly. Use abstract words, combined with numbers and other odd characters for the strongest passwords.
When shopping online, use a credit card rather than a debit card. This is because credit cards are based on your credit, not the amount of money in your bank account. If a internet hacker gets your banking information, they can completely ruin you within a matter of hours.
To protect yourself use a credit card when shopping online. The federal government has passed laws to protect consumers in the event of fraud. The amount the consumer is responsible for is a mere $50.00 as compared to debit cards where the entire balance can be withdrawn by internet hackers.
Many people find that buying a membership to a particular website where they shop a lot is beneficial. Amazon Prime usually costs $79 per year, but you get so much for that money. Every item that is already in stock will be shipped to you in 2 days, or if you need an item faster you can get a reduced rate for shipping. They have a large movie library where you can get free streaming, too. This is a big savings as well.
If you think that you will be making a lot of online purchases in the future, consider applying for a separate credit card to use only for these transactions. It is easier to track all transactions if they are the only items listed on this card’s transaction records. Additionally, you don’t need to worry about your own funds being compromised, even temporarily, if you are a victim of fraud.
If you have questions while shopping, look for a live chat function on the online store. Many big brands (and even some boutique stores) now have this functionality. You can chat immediately with a customer service representative to fix any issues or answer any questions before you purchase. That can give you a lot of peace of mind.
Realize that restocking fees may apply if you must return an item. A restocking fee can be as much as one quarter of the price of the item. This fee may increase your overall price if you must return the item. Therefore, ensure that you order the correct size to avoid this additional fee.
When purchasing an item online, wait until the holidays for the best prices. Most retailers offer special savings on holidays such as Memorial Day, Independence Day and President’s Day. Therefore, you may receive special deals and/or free shipping on the holidays.
When you go shopping online, you not only have access to new products and items, but used ones as well. When making a purchase from a private seller, avoid anyone who wants you to deal in wire transfers. Anything that seems fishy, probably is and you should steer clear!
If you are considering a large purchase from an unfamiliar website, start with a “practice purchase.” If possible, find a low-cost item on the site to buy. Make sure that the transaction goes well and you are satisfied with their service and product. If they pass this test, you should feel comfortable making your larger purchase.
Try online shopping before you buy something offline. This is a great idea, because you might be out somewhere and see something you want, when you can spend far less money online. If you check online first, you can save money and a trip, so always try that before going offline.
Don’t ignore the privacy policy. Many people have become so used to clicking “ok” on every pop-up that they don’t even read the messages. However, when shopping online, especially for large purchases, it is important to read the site’s privacy policy. It may seem daunting, but it is important to know how your personal information will be protected.
If you plan to buy on eBay, remember to do your research. First, check out the seller’s feedback and make sure he’s been around for at least a year and that he’s doing a good job as a seller. Check out shipping costs and the details of the item as well – especially if it is used or not.
Even if you choose to buy from a brick and mortar store, take the time to shop online first so that you can see what is available and what prices are standard. You can also read buyer’s reviews that can help you determine exactly which items you may want to avoid. A little research can pay off in saving and satisfaction.
Now that you have read this article in full, you are armed with the knowledge you need to keep your online shopping bills to a minimum. While you can still buy everything you need, you also know how to pay less for each item. Keep learning so you can continue to be a bargain shopper.
