15 TIPS TO AVOID WASTING YOUR MONEY

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5. AVOID SHIPPING COSTS

15 TIPS TO AVOID WASTING MONEY


In this digital age, online buying has become a necessity. And anyone who frequently makes online purchases will attest that shipping costs sometimes end up being very high. However, with a smart approach and some research, you can easily avoid shipping costs.

For example, Nordstrom, Crate, and Barrel, Bonobos all offer free shipping. And if you’re interested in big retailers like Target, they offer free shipping to a physical store near you, where you can easily pick up your items. So always try to avoid shipping costs, and this can help you save money in the long run.


4. ALWAYS MAKE A POINT OF PAYING MORE THAN THE MINIMUM AMOUNT OWED


According to Experian’s 2019 survey, the average American has more than $6,000 in credit card debt. Suppose your credit card company has a 15% interest rate and you simply decide to make the standard monthly payment of $100. Keeping in mind the interest rate, it would take you 120 months to pay your debt, not to mention the one you’re already accumulating! Suppose you increased the payments to $125 per month, and you only 1dt 78 months to pay off your debt. Similarly, $150 will reduce this to just 59 months! That’s why it’s a good idea to use a credit card calculator for your debt, as annual percentage rates (TAEG) and minimum payments, etc. can be really confusing for an ordinary person.

3. INSTALL HONEY

15 TIPS TO AVOID WASTING MONEY

Let’s be honest: every person on this planet would like a good discount. However, when it comes to online shopping, tracking each offer can be tedious. That’s why honey is such an interesting option to consider. This app allows you to track discounts on the web and introduce you to the best of them. It works like a Google Chrome plug-in, and when you decide to go to the checkout, it automatically uses the best discount code on your order. Cool, isn’t it?


2. CHOOSE A BANK ACCOUNT WITH VAT REFUND

15 TIPS TO AVOID WASTING MONEY

Having an account with online banks like Ally can be a good option to save money. Because these banks do not have ATMs, they pay the withdrawal fees you incur when you use other ATMs. Open one of these online bank accounts and save money!

1. SIGN UP FOR THE BEST REWARDS PROGRAMS

15 TIPS TO AVOID WASTING MONEY

In this modern era, almost all major chains offer one kind of rewards program or the other. And by not signing up for one of these programs – a process that requires little more than your name and email address – you’re actually depriving yourself of your own hard-earned money!

Some of the best rewards programs you should sign up for include AMC Stubs Insider, CVS ExtraCafe and Target Circle. Sign up for one of these programs and never miss the money you deserve!