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Thrifty Shopping - 10 tips on how to Shop and Still save money
Let's face it. You're going to shop. You have to. There are things you need, and well, there are things you don't need, but want anyway. Unfortunately, for most of us we don't have an unlimited bank account to tap into. However, there are steps you can take to allow yourself to shop and while still spending as little money as possible. Here are 10 tips to help you shop and save money while doing it.
1. Make a Budget
Yeah, I know. It seemingly takes all the fun out of shopping, but this is a really important tip. Before you head out for a day of shopping make a budget. Figure out how much you are willing to spend that day.
Don't stop there. If you are a chronic shoppaholic and you need to go shopping every couple of days, plan for this. Give yourself a monthly spending limit as well. And whatever you do, don't borrow against your future budget. Chances are that when the next comes around you'll defer again to the next month. This is a Nono!
2. Don't Use Credit Cards, unless....
Try not to use credit cards. You will always end up paying more money for the things you shop for in the long run. Credit cards also give yourself an excuse to put off paying for an item, giving you peace of mind at the moment but lot's of anguish later. Instead use, cash, checks, debit cards, ect.
The Caveat to this is if you can pay it off easily. Make sure you can stay on top of your credit card bills and don't fall behind each month. Pay it off immediatly. There are also instances when you may want to sign up for a new credit card in the store and use that for your purchases of large items. And that leads us into the next tip...
3. Sign up for Credit Cards and Club Cards
Many big retail stores now offer special discounts and deals if you sign up for a credit card or a club card right there in the store. This can be a big advantage and well worth it for big purchases.
The only thing to remember is to hurry and pay the bill as soon as you get it. And then cancel the card and cut it up. Don't tempt yourself with a shiny new piece of plastic. Again a big purchase makes this worth it as you can save sometimes up to 15% off your purchase.
4. Plan Your Purchases
Figure out exactly what you want before you head to the store. Go straight to the area of the store you are looking for and avoid other sections. You don't want to get drawn to something else. Figure out how much you are willing to pay and possibly figure out a couple of alternative products, you may be interested in if a good deal is offered. If they don't have exactly what you are looking for, leave! Don't buy something you don't really want just because they're out of the item you actually want.
5. Avoid Salespeople
Don't let them be helpful. I think most people already don't like to listen to salespeople but you will probably have to talk to them at some point. When you do, try not to let them talk to you. Turn your back and let them know politely that you are not interested in what they are saying. Sales people are tricky, and they might sway you to buy something you don't want, or worse don't need at an inflated price. Just ask them for help once you've made your decision.
Continue to part 2 by clicking below: