I want to save money when I shop online, but I don’t know how? You are not alone, my friend, as most people who buy on the internet have no idea how to do it cheaply. That is why we have written this article to be full of secrets you need to know.
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 are making any purchases online and you are required to make a user account, never use the same passwords that you use on other websites. Do not use your e-mail or banking password to make an account to buy shoes from a web retailer. If someone was able to see this password, they could have access to more than just your profile on the retailer’s store.
If you are going to be doing some shopping online, make sure you understand the liability for each credit card you use online. Many credit cards have automatic fraud prevention built in while others offer it for a minimal fee. You do not want to get stuck with purchases made on your card if the number is stolen.
If you’re looking for great coupons, try signing up with your favorite store’s newsletter. Your first coupon is usually your best, since they like to reward new subscribers. Signing up for emails can save you lots of money because they will continue to send you discounts as long as you show an interest in their store.
When you are making a purchase online, ensure that you use a credit card to pay for the transaction. Credit card users are protected against fraud by federal law and are only liable for $50 in these cases. Some card agencies will even go so far as to wave the $50 for you, meaning that you will not be out of pocket.
Get familiar with the shipping facts of an online retailer. Their shipping policy should be outlined in a separate section to describe the average time you should get your items, geographic restrictions, shipping choices, possible shipping insurance, and what their shipping and handling fees are. Use all of this information to decide if these costs and options fit well for you, your budget, and your area before you place an order.
Be wary of overdoing it. It is much easier to overspend when you are shopping online. You start to rationalize that you can spend more for those shoes because you saved money on gas and the food you would have gotten if you went to the mall, for instance. Give yourself a limit and stick to it.
Don’t supply too much information. It should be no surprise that a shopping site will need your credit card information in order to bill you, and your address so that you can receive your items. However, use caution if more information is asked. No shopping site should ever need your social security number, and even your birth date may be too much information. Those pieces of information, combined with your credit card number can be used by an identity thief to wreak havoc.
Make sure that you check your credit card bill will a fine tooth comb if you make a lot of purchases online. Many people fail to do this and they end up paying hundreds of dollars a year on charges that they did not authorize. This is easier to do if you use just one card for online purchases.
Make sure you understand who is responsible if an item gets damaged during shipment when shopping online. Some retailers will be responsible for this, while others put it on the shipping company. Make sure you know who to contact and who is responsible if items are damages or need to be returned.
When you want to shop at an online retailer, look for coupon codes on the web. Merchants usually provide digital coupons as an incentive to attract shoppers. Just type in the retailers name and the word “coupon” in a search engine, and you will be taken to coupon sites where you can get a code.
It is best to shop online with a credit card. Most credit cards come with a protection plan in case your information is stolen. Your bank will probably give you your money if you purchased a bad product with a credit card while you will entirely depend on the seller to get your money back if you used a debit card.
Shopping online can be a wonderful time saver, but make sure you are taking proper safety precautions to prevent identity and credit card theft! Always turn on the passcode for your computer or phone and never order items over an unprotected network. The few extra seconds this will take could save you much grief!
You should be able to access your credit card statements online. Get in the habit of checking them at least once a week, particularly if you shop online a lot. If a charge pops up that you don’t recognize, you will be able to dispute it right away. However, if you don’t check it soon enough, you may not have any recourse.
With these secrets in hand, those which the online stores don’t want you to know, you can easily start saving on your purchases. All you have to do is use them, the rest comes naturally. More money in the bank will bring you the peace of mind that money truly can’t buy.