As Cyber Monday starts up today, many consumers looking for good holiday shopping deals are expected to head straight to their PCs to find sales. It can be nicer to shop online because there are no crowds, more options, and potentially better deals. Here are some online shopping tips to save money so debt reduction efforts remain a priority this holiday season.
Shop Online & Still Get Holiday Deals
Since both online-only and brick-and-mortar retailers now offer online shopping options these days, consumers can find deals for literally anything on their lists without leaving the house. Those who shop online can further maximize saving efforts through preparation and some simple tricks.
Online Shopping Strategies:
- Preparation – Before you hit the web looking for deals, organize a list of who you’re shopping for and what you plan to buy. Create a specific budget that includes what you can spend per person and in total. This will save you from accidental overspending, which could leave you drowning in debt.
- Do Some Pre-shopping – Compare brands, models, and which store you’ll buy from. Shopping around helps you find out where items will be cheapest. Look at shipping costs and return policies as well. It may help to buy more from one location to get free shipping.
- Coupons or Extra Discounts – If you have coupons or membership discounts, you may be able to save extra on top of holiday sales. Another trick is to create a username in advance and leave items in your “shopping cart” for a day or two to get a discount code emailed to you.
- Stay Focused – While browsing, you may see other items to buy as gifts or for yourself. Don’t let temptation sway your judgment. Stay on track and on budget, or you’ll end up researching debt relief programs come January!
No matter where or how you shop this season, remember that it truly is the thought that counts. Anyone special enough to make your gift list certainly doesn’t want you to risk your financial stability just so they’ll have a present to open this year.