Main | Next page »
 

Entry bubble Sneaky Tips for Shopping Online

By: Nancy | December 11, 2008 | Category: Money

Are you finding this holiday season rushed, stressful and confusing?

I am! And my being sick isn’t helping. (Would you believe that I have laryngitis AGAIN? ) Third time this year. The last time I had it back in July, I decided to do all my car buying negotiations online. Bidding seven dealers against each other, I ended up getting a great price. That experience worked so well, I’ve decided during this latest bout of speechlessness to forgo the mall and do all of my holiday shopping online too.

There are some great bargains out there. But I’ve got some sneaky tips that can help you get even better deals, not just during the holidays, but anytime you’re shopping online.

I’m kind of methodical when I’m buying something. I hit websites like CNET.com and ConsumerSearch.com to compare features, read professional reviews and get the ratings and reviews of people who already bought the product I’m considering.

Once I figure out the brand and model number, I use sites like Shopzilla and MySimon to compare prices.

Now for the sneaky part: coupon codes. As you’re getting ready to make your purchase on most online stores, you’ll see a little box to type in a coupon, promotional, or discount code. Online stores usually send coupon codes to their email update subscribers. Happily, you don’t need to clog up your email in-box with every store’s email updates. Just go to a site like CouponCabin.com and type in the name of the online store you’re interested in, to see what offer pops up. Cut and paste or type the coupon code into the box before you check out of the online store and depending on the offer, you can get a percentage off discount or even free merchandise.

The thing I don’t like about buying from online stores is their shipping and handling fee. Is it my imagination or do some online stores seem to inflate their shipping costs? I’m so cheap. So I was delighted when I found websites like FreeShipping.org that search online stores for free shipping deals. In the past week, I’ve saved over $20 in shipping from one online store alone, using the free shipping code I found on FreeShipping.org.

For ways to make sure the online seller you’ve chosen is reputable and for tips on what to do if your purchase isn’t what you hoped it would be, check out USA.gov’s section on shopping from home.

What are you buying online this holiday season?

| Post a Comment | View Comments [5] | envelope E-mail This Entry | Tags: coupons   money   nancy   online   shopping  

 

Entry bubble Black Friday Commando

By: Ginger | November 28, 2008 | Category: Money

I have never gone shopping the day after Thanksgiving (Black Friday), but this year my mom is visiting, so we will join the madness. Since this will be my first Black Friday adventure, mom and friends shared some shopping strategies and horror stories with me. My mom told me of the “Cabbage Patch Kids” riots of ’83 when shoppers ran through the store when the doors opened and fought over dolls. My friend, Laura, got into a smackdown over a Teddy Ruxpin on a Black Friday.

Ginger in camouflage gear ready to shop on Black FridayI’ve come to the conclusion that this won’t just be shopping; this experience will require “extreme shopping tactics.” That’s right; I will be morphing into a Black Friday Commando. Since I’m not very athletic, I think dangling from wires above my purchase targets or attempting ninja moves will only result in pulled muscles. Instead, I will be camouflaging myself to sneak around for the best deals.

If these tactics sound a little overboard, I suppose you could just stick to normal shopping procedures. Not as fun, but probably more effective. The federal government has some holiday shopping guidelines and tips. ConsumerAction.gov offers General Buying Tips, a section on Gift Cards, and if you do have purchase problems, tips on how to complain and a sample complaint letter.

Preventing Holiday Shopping Headaches, Tips for Smart Holiday Shopping, and Holiday Shopping are good resources to read prior to hitting the malls.

If dealing with crowds, payment lines, and hunting for parking isn’t your thing, here are two resources that offer some good on-line shopping tips: On-line Holiday Shopping and Shopping From Home.

My mother agrees that the camouflage will probably work, but not because it will help me sneak about unnoticed. She thinks everyone will notice and run in the opposite direction, thereby clearing a path to the cash registers. I say, “Hey, whatever works!”

| View Comments [8] | envelope E-mail This Entry | Tags: black_friday   ginger   holiday_shopping   shopping   shopping_from_home  

 

Entry bubble Read the Fine Print

By: Nicole | August 29, 2008 | Category: General

Mouse DetectiveHave you ever wondered about the full page of microscopic text that flashes for .02 seconds at the end of a car commercial? Well, the folks behind MousePrint.org certainly have. In fact, they have taken the time to review lots of ads to see what information is hidden in the fine print, and they’re willing to share their discoveries.

The website doesn’t just cover car ads either. Their retail section can keep you up-to-date on which companies are downsizing their products to hide rising costs, and their sweepstakes section can give you the skinny on unlikely giveaways.

If you have a complaint about a misleading advertisement, you should contact the company first. If that doesn’t work, there are steps you can take to resolve the issue.

And while we’re on the topic, I have some fine print to share about myself. I’ve accepted a new position at the Federal Trade Commission. Don’t worry. I will still be hard at work empowering consumers, and I will be leaving you in very capable hands. Our new Friday blogger, Ginger, is sure to keep you on your toes.*


*Nicole cannot be held accountable for Ginger's ability to keep you on your toes. All previous claims from Nicole expire as of August 29, 2008. Sorry, no refunds.

| View Comments [4] | envelope E-mail This Entry | Tags: ads   advertisements   cars   claims   complaints   consumer   nicole   retail   shopping   sweepstakes  

 

Entry bubble How Are You Saving Money These Days?

By: Nancy | July 31, 2008 | Category: Money

Has your credit card been seeing less daylight lately? According to a new study on how Americans are handling their money in the current economic downturn, 37 percent of people surveyed said they're cutting down on how often they use their credit cards. They're either going to a cash or debit card basis or are just plain spending less.blog wallet The same survey says that 57 percent of respondents are being more careful about dining out and 46 percent are shopping more at discount superstores.

Some people I know are even going back to the old fashioned, pre-credit card era practice of envelope budgeting. It's low-tech wonderful. After working out their weekly and monthly budgets to find out exactly what their expenses are (and finding "leaks" in their budget—expenses that they weren't really aware were adding up) they take out cash and divvy it up into envelopes for each expense—insurance, rent or mortgage, food, utilities, etc. And when that money's gone at the end of the month, it's gone. No borrowing from another envelope and going into debt.

There are so many other ways you can save by auditing your lifestyle:

  • What are your phone habits? Are there cheaper plans that meet your calling needs better?
  • When you go grocery shopping, are you making a list before you go, sticking to it and shopping on a full stomach or do all the displays and smells get you to fill your cart with things you hadn't planned to buy?
  • Once you've paid off your car, are you setting aside some money every month to help pay for your next vehicle so your car loan will be smaller? If you're shopping for a car right now, are you armed with the info you need to get the best deal?

I could write a 10,000 word blog entry on all the ways to save. But my bosses nudge me nicely when I go over Gov Gab's 300ish word limit. And I'm over it now. We don't have any limits on blog comments though. So please help me out and share what you're doing differently these days to save more and spend less.

| Post a Comment | View Comments [10] | envelope E-mail This Entry | Tags: cars   credit   nancy   phone   saving   shopping  

 

Entry bubble Preparing for Baby on a Budget

By: Sommer | January 18, 2008 | Category: Home and Family

The two things people mention most when they notice I’m having a baby are 1) don’t expect to sleep much and 2) raising kids is expensive. The latest government data says that a family with an average annual income of $59,300 will spend $197,700 on that child between birth and age 17! Since we’re only in the preparation stage, I’ll cross that bridge when I get to it.

Lately though, we’ve been saving every penny so I can take some time off work after the birth. But, since there’s now a never ending listMan and woman shopping for baby cradles in a mall. of things to shop for it’s hard to save! Baby prep checklists include the crib and nursery furniture, car seat, stroller, highchair, clothes, toys and more. A friend said baby gear could cost up to $5,000! I feel like the billion-dollar-baby-products industry lurks around every corner waiting to reel me in.

Here’s what we’ve done so far to cut costs:

Who knows, maybe by cutting these costs we’ll save enough money to start a 529 plan for our son. Since we’re on a budget I’d rather he get a college education than that $800 stroller I love but he’ll never remember.

I’d love to hear any tips you have on how you saved money when preparing for your newborn! Please leave your suggestions in the comments.

| View Comments [3] | envelope E-mail This Entry | Tags: baby   budget   money   saving   shopping   sommer  

Main | Next page »