Category Archives for Personal Finances

Simple tips to help you save money when shopping online

Shopping online can be fun, but it can also be frustrating. Especially when you buy something, then find it cheaper elsewhere soon after.

 

That is why, before you make your next purchase on the Internet, you should be sure to follow these simple tips. They will help you save money when shopping online, and make the experience a lot more fun.

 

Always use coupons — If you spend some time looking, you will discover quite quickly that most things being sold online have coupons available that can save you a substantial amount of money.

 

You can find these coupons at one of a large number of coupon and discount deals sites. Some may even have coupons for the product you want for sellers you have never heard of, but that are far cheaper than the seller you first planned to shop at.

 

Discount deals sites — There are several very well-known discount deals sites (retailmenot, coupon shein and more) that showcase deals from all over the Internet. These deals are updated in real-time so you can be sure, if you do find a deal, you can use it.

 

Shop for items in a different season — If you shop for lawn furniture at the beginning of the summer, it will be at its highest price. Wait until a few weeks before the fall, however, and it could suddenly be discounted to 50% off.

 

The same goes for Easter cards, Christmas decorations, summer clothing and back-to-school supplies. Shop for the things you need out of season, and you will find the deepest discounts available all year.

 

Use retailers’ savings apps — If you shop at specific retailers quite often, be sure to download their savings apps. They will often have coupons that you can use to shop on their websites. Coupons that will not be available anywhere else.

 

Consolidate your order — If you are ordering a few things online, be sure to consolidate your order.

 

Many online sellers will give you free shipping if you agree to have your items sent all at the same time. As shipping costs can be quite high, this can be a substantial saving just for waiting a day or two.

 

Use comparison sites — Always look at comparison sites before you make a purchase. They will often know about prices that are cheaper than what you were planning on paying.

 

If you do this, however, make sure the comparison price they come up with includes the shipping fees as well, as some comparison sites do leave them out.

 

Buy a membership — Some online suppliers such as bookstores, Amazon, DVD and CD sellers, clothing stores, shoe stores and make-up companies offer membership programs.

 

These can cost as little as $25 a year, but can give you savings of 10-20% on every item you purchase.

Continue reading

3 Mistakes to Avoid when Applying for a Payday Loan

Payday loans are a questionable source of income. They are good for helping people out when they need extra cash. However, they can tie people’s finances up for years and cause them to incur major debt. Truthfully, payday loans can be used to help people out financially. However, there are 3 mistakes that people should avoid doing when applying for this type of financial assistance.

 

  1. Don’t make Payday Loans your First Option

 

Payday loans should not be a first option for any person experiencing financial difficulties. This is a huge mistake. Payday loans are designed to help people out temporarily. They can’t be a long-term solution unless a person wants a portion of their money tied up with payday lenders for months or even years. Once again, people have a bad tendency to use payday lenders as a first resort for financial trouble. This is a huge mistake.

 

The best thing that people should do is to prepare for financial trouble. They should have a plan in place for dealing with financial difficulties. You should consider selling your possessions, taking an extra job or getting a loan from your family or friends. You should also try to a cash advance from a credit card or a loan from a credit union. These options will be better than taking out a payday loan.

 

Ultimately, you must have an emergency saving fund set aside to deal with financial emergencies. That fund should be at least $1000. Most financial problems that arise typical do not cost more than $1000. When all else fails or if you don’t have enough money to cover a financial problem; you can then rely on a payday loan organization for help.

 

  1. Never Borrow more Funds than you need

 

Another way that people harm themselves with payday loans is by borrowing more than what they need. People have a tendency to be greedy when it comes to money. They try to justify their behavior by thinking they will be financially responsible with the extra funds. However, this is not true. People tend to borrow more than what they need because they want the extra cash for frivolous reasons.

 

A person should always borrow enough money to cover an emergency expense. Borrowing more money from a payday lender will cost you more in terms of fees and higher interest rates. You will also lose more of your money per paycheck by taking out a larger sized loan. You will also be in a frustrated situation by borrowing more than what you need and have nothing to show for it. Then you will have to pay back the lender more of your hard-earned money and quite possibly continue this viscous cycle for a long time.

 

  1. Payday Loans should never be a Loan Term Solution

 

If you are having a lot of financial problems, then you should seek a long-term solution for relieving your financial troubles. Getting a second job, starting a business or figuring out a way to create income streams are some solutions you can utilize to change things around. Never rely on payday loans as a long-term solution to financial problems. In the end they will cost you more money and they will keep your finances tied up for a very long time.

For more information on payday loans, visit New Zealand’s payday loan provider – Zebra Loans.

Continue reading
scriptsell.neteDataStyle - Best Wordpress Services