Ways To Save Money Shopping Online
Did you know if you shop online, you could be saving hundreds of dollars compared to going directly to the nearest retailer?.
There are many advantages to shopping online: you don’t have to pay taxes, you can comparison shop, check out reviews and use coupon codes to save you a lot of money.
Aside from the fact that you cannot feel and handle the product and that it takes longer to get the product, possibly the only disadvantage, if you are an avid shopper you can obtain significant savings by shopping online.
The first advantage is saving money on taxes. If the merchant you are purchasing from does not have a local presence in your state you do not have to pay taxes.
For example, Amazon charges sales tax for orders shipped to the states of Kansas, Kentucky, North Dakota, & Washington.
If you don’t live in those states you can buy a product from Amazon and save your money on sales taxes.
When you decide to buy a product from an online merchant, make sure you read the fine print about where they have a local presence.
If two merchants, retailer A and retailer B, offer the same product for the same price and retailer A is the only retailer out of the two that has a local presence,
then you should definitely choose merchant B as your shopping target since you could save on sales taxes.
Of course, saving money on taxes is not just the only benefit. Before you shop online I recommend comparison shopping.
There are many sites that can can help you comparison shop: epinons, mysimon, bizrate, froogle.
All these comparison sites may have different merchants on their list so it’s good to try them all if you know exactly what you are looking for.
Not only do they offer different price comparisons on products, some of these sites also provide excellent reviews on products.
If you cannot find good reviews on the product you want, I recommend Amazon. Amazon is one of the biggest online retailers and, because of this, they have the most product reviews on every item that you can think of.
There have been many times where I’ve changed my mind about a product after reading product reviews on Amazon.
Perhaps the most exciting way about saving money online is finding a good deal and/or using coupon codes from sites like Cheap-buys.com. What are coupon codes?
They are text entries that you can input on a merchant’s shopping cart when checking out to receive a discount for your purchases.
Almost all merchants have a input box for entering coupon codes as the user wants to check out.
Now a lot of times you need to search for these coupon codes on the web since they don’t make it so obvious for the user to find.
Why do these merchants provide coupon codes? Sometimes they want to boost their sales by telling other websites (affiliates) to promote their coupon codes.
When a user visits the affiliate site they will see that they can save an additional percentage by using the coupon code and therefore the consumer is more likely to make a purchase since they can save additional money.
Some of these coupon codes are for a limited time only and must be used quickly. For example, Dell once used to have a promotional coupon code for $750 off their laptops.
It had a user limit and it expired within hours since the demand was extremely high.
I hope I have provided you with the right weapons for your next shopping spree.
For additional tips on shopping and for coupon codes to save you money you can visit websites such as cheap-buys.com or webcouponcodes.com.
By golly, you are likely to save more than a few bucks and bring a smile to your face!
Learn to have personalized money saving tips
With rising inflation, lesser purchasing power of consumers, and increasing prices, one would wonder how to ever survive this fast-changing money-making world. Everywhere you look, anywhere you go,
and whatever you need to do, you really need to spend. So, how will you ever save for the future when almost everything you earn is disposable because of the expensive lifestyle in the world today and with so many bills to pay.
People have their own way of saving their funds for the future, it just depends on the situation they are in.
But just the same, the basic secrets of saving are applicable to all. Money saving tips can be found in magazines, internet, books, etc., and even you can have your own money saving tips,
so there’s no reason why you can’t save. Some of these common and general money saving tips are enumerated here, you may or may not agree to some of it, but one thing for sure, you’ll definitely learn something from it.
What you just have to bear in mind is that, these money saving tips are presented, not necessarily for you to strictly follow it but to give you a guide or an idea on how you can save given your current financial conditions.
These are not offered as a step-by-step information, because every individual has certain needs, wants, and preferences,
so there are cases wherein these money savings tips are good for you while not good for the others, and there are others which you may find unsuitable to you but very apt for everyone else.
Some of these money saving tips can be categorized through the following: your attitude towards mortgages, loans, and liabilities —
if you can’t buy your house by cashing it in, then mortgage it by financing but just make sure that you have searched for the best rate and deal; your credit card balances —
if you have unsettled balances in your credit card bills, make sure that you pay it in full because they have very huge charges and fees,
but if ever you don’t have the cash right now, you may try getting a loan with small rates compared to the ones you’re having under your credit card; your utility bills —
if you cut at least a small percentage of your fuel, electricity, water, and phone bills then you’ll see a huge savings at the end of the month; shopping list —
if you go to the mall or grocery, take with you a shopping list and stick to it, don’t be an impulsive buyer because it will not do you good; your local brands —
try buying locally-made goods and products instead of going for the imported ones,
and don’t be swayed by designer labels; and there are still so many other money saving tips which can be listed down, but one thing is sure — don’t let money rule over you.
Money saving tips are helpful if you take it as an advice, but make a personalized how-to-save list based on your family’s budget, expenses, income, etc. It’s actually good to save at least a penny or two for the rainy days.
Healthy Planning and Doing throughout Your Saving Plans
Going through your saving plans is just like planting a tree – the earlier it’s planted, the sooner it grows;
the stronger it grows, the more it bears fruit, and blossoms longer than it should – saving plans, to enjoy your banking benefits for a lifetime. Here’s how.
Saving plans involve prop up nutrients to help your money grow. First you must have the means. Have a reality check, shop around, and bargain – these are the abc’s for any saving plans.
Narrowing it down to your changed money habits we have setting up an automatic saving plans, reducing the amount of your banking fees,
keeping a close eye on your spending, not spending your whole paycheck, paying off all your short-term loans,
grabbing other banking strategy options, and starting now, the earlier the better, for emergencies and added money.
And all these take a lot of determination, which is why you have to have a personal commitment, an effective your-way-to-do-things when it comes to your-what-you-deserve earnings.
If you want the best for your saving plans then have the conscious effort to go for the highest possible savings interest account rate available (at your bank) to increase your savings.
To do this you have to come up with a great strategy to start with. This could include making a sufficiently large initial deposit,
and then maintaining a high (and higher) balance in your account, limiting transactions in and out of your bank account,
having other accounts deposit directly into your account in almost all your payment transactions, having all your money flowing into your bank account even birthday,
anniversary, or holiday gift cash, bonuses, refunds, and all other sources, and following a ‘savings first, bills and others later’ miracle grow principle.
Develop a new approach when it comes to your finances. The smallest penny is still money. Save it. Be consistent. Be patient.
You can even engage in your saving plans as if it were a career in itself. You can regularly find new ways to put more money into your account.
Find and fulfill each one you find each and every month. How creative could you get? And how motivated?
Stronger motivation = greater action = more savings. Do save with love. Experience the peaceful joy of accomplishing your saving plans,
knowing that how much you endeavored into protecting and taking care of your money will so also commit itself into supporting your needs and loved ones’ in the long run. Say yes! to savings.
IMPORTANCE OF SAVING: SAVING THE BEST FOR LAST
The value of money cannot be underestimated. In a recent national survey, more than 96% Americans agreed that early monetary savings would help one achieve a fruitful and stable life.
Saving is a way of insulating oneself from the many symptoms of health and natural adversity.
While an average youth of yesteryears thinks more about short-term financial goals such as purchasing a new pair of signature shoes,
owning a new jet ski or a brand new car, statistics show that more and more are starting to realize the importance of keeping a personal savings.
Long terms goals are described as goals that have a lasting effect should a person’s present actions be religiously maintained.
The following statements are outlined to provide information and tips on how you can start up your money
–saving gimmicks and ensure a happy and financially stable future and list the reasons as to why saving money should occupy a greater place in our list of priorities in life.
Reasons for Saving:
Ø Saving for your Future and Present Needs – Saving today will provide you with flexible financial resources in the future.
Keeping at least 20% of your monthly earnings while using the other for your household, personal and unexpected expenses will surely play a big part in your pursuit for a stable future.
Ø Saving for an Investment Need – Savings can also be a source of your future capital for engaging in business enterprises.
It will provide you more opportunity for venturing on your unexplored talents and earn you a huge potential in increasing your money exponentially.
Ø Saving for your Retirement – More than 23% of today’s elderly were shown to have failed in one instance in their lives, to save and strategically used their money for preparing their way to retirement.
As a result, these folks extend their entire retirement career working on an equally satisfying job that pays them enough to cover their basic expenses.
Keys to Fulfilling your Saving Goals:
No matter how good our intentions and objectives for saving are, we should also take note that goals can fall and touched the following baselines or characteristics.
Ø Attainability – Goals should be something attainable and one which can be achieved without you doing something extraordinary or illegal. A little amount of patience and hard work are key.
Ø Consistency – Changing your goals from time to time due to incidents that may arise in the near future are sure ways to deterring your intention to save.
While we need to focus on the present incidents, we also need to take hold of our original intention and continue until you have gained enough leads to get it.
Great Tips For Saving Money When You Travel
The world has certainly become a smaller place and traveling to far corners of the globe on business or vacation is fast becoming commonplace.
If you’d like to jump onto the traveling bandwagon but are worried about not having the budget for it, here are few tips for having a great holiday while still managing to not break your bank balance.
Major traveling expenditures include airfares, car rentals and hotel stay. Take a look at some of the ways you could save money in each of the three categories.
Saving Money on Airfare
Avoid traveling during the holiday season when fares are most expensive and many flights are blacked-out even for frequent fliers.
The earlier you book your air tickets the higher the chances of finding the lowest airfare. The internet is the best place to look for low fares
and special deals offered by different airlines to various destinations. Keeping your travel dates flexible increases your chances of finding the best deal possible.
Saving Money on Hotel Stay
Book your hotel s soon as you’ve finalized your travel plans. Cheaper hotel rooms tend to get sold off earliest.
However do compare package deals of various hotels as well as the facilities that are included.
You may find that a cheaper hotel may not offer you money–saving extras such as airport transfers, room amenities and meals or at the very least breakfast.
Avoid booking hotels that are located in the heart of the city- they will almost certainly charge you a high premium for the convenience.
Saving Money on Car Rentals
Book the smallest sized car that you would need for your stay. Larger sized cars have higher hire charges and guzzle more gas.
Compare rental rates online and book your car as much in advance as possible to get the best deal.
Compare daily rates as well as weekly rates. Avoid booking a rental car at the airport. They charge exorbitant rates and add huge surcharges.
Take a look at some of the travel package deals offered on the internet. You could save a bundle by booking one that includes airfare, hotel stay and car rental.
Investing Saving Finance Money-make A Fortune With Your Investments
Investing and saving finance money is not easy and it is difficult sometimes to save the capital money.
Herein lies the need to work with a knowledgeable investment professional that can help you plan and implement investment strategies designed to achieve your financial goals.
Save finance money by investing for income in real estate. There are different ways of investing saving finance money. Listed below are a few:
Mutual funds: A mutual fund is a device that pools the investors’ money to purchase bonds and stocks. You can build a portfolio and diversify it.
Money Market Securities: They are the most safe and liquid form of investment available. Investors who do not want to take high risk invest
in such securities and they function through the money market dealer’s money center banks and Open Market Trading Desks. The money market securities are Treasury Bills, Certificates of Deposits,
Bonds: Bonds are debt securities. The person who invests in bonds becomes a bond holder and is required
to pay the issuer the principal and the interest which is termed as the coupon at the committed date of maturity.
Therefore, a bond can be called a loan in the form of a security. Mostly government provides bonds.
Common stocks: Common stocks are the ordinary shares held by the public in the corporation.
The stocks that can be purchased and repurchased are known as treasury stocks. These stocks are the last in the liquidity line. They receive their dividends after the preferred stockholders.
IPOs: The Initial Public Offering is the first sale of the common shares of an organization in the public stock exchange.
When the shareholder sells the shares, then it is called the secondary offering which occurs in the secondary market and earns the shareholder profit or a loss.
If you want to make serious money with your investments, it is always recommended that you do your investing yourself without entrusting your money to someone else.
You can never make as much money when your money is being held by a fund manager than you could by investing yourself.
Therefore, it will be necessary to become financially educated in order to invest your money.
Read books, ask your friends who are already successfully investing their money, do your research, and you’ll make a lot of money with your investing and saving finance money.
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