Do you adore shopping like me? Some people see it as a sport, even a hobby? Even if you don’t love to shop, you’ll still need to buy things at some point. So check out my tips for savvy shoppers below and get the most for your money.
Your Credit Cards
Many of your purchases, particularly when you are shopping online, are made on credit cards. This seems to be a good thing, you have protection if your items don’t turn up, and can then pay on a buy now pay later basis. But is this really such a good idea, and how much do you actually end up spending on your item? The answer is that this is fine if you pay off what you owe at the end of each month. If you don’t, your payments could actually be made up more of interest than actually paying off your balance, and that balance will grow every week. Use Calculator.Me to find out how much you are actually paying in interest each month, they have a credit card payment calculator which can show some quite shocking results and may encourage you to switch to a much lower interest credit card.
Another thing that savvy shoppers do is take advantage of stores loyalty schemes. It is always worth signing up for a shops loyalty scheme, especially if you shop there regularly. You’d be surprised at how many reward points you can collect over time. Maximize your points by combining them with other offers to get the best use out of them
Coupon and Voucher codes are a great way to be savvy when you are shopping. They can save you money on the item, get you items free or even provide you with free delivery.
You can use coupons in store. Clip and organize them before you go, and make a list of the items and the amounts that you are aiming for. Some people even get into extreme couponing and managed to get their weekly shop entirely free of charge.
Another way to use coupons and voucher codes is when shopping online. Always do a quick search for coupons codes before you complete your purchase, as you never know what discounts you could be missing out on. Vouchers and discount codes can enable you to buy a better quality of the product because of the reduced price.
Savvy shoppers always make use of the sales. Unless you are just going to grab any old bargain, it’s best to have an idea of the sort of thing that you have in mind, otherwise, it can be too tempting to buy something you don’t need, just because it has a massive price reduction.
A good technique is to look at and make a note of the full price items that you like. Then go straight to those when the sales starts. This means you are saving money on items that you would probably get anyway.