3 Ways to Save Money Instantly Online


In today’s world, shopping in “brick and mortar” stores seems so backward, dated, and boring. Millions of people each year sit in their jammies while drinking wine and shop for clothes, household goods, gifts, and just about anything else you can imagine.

One of the great benefits to shopping online is the various coupon, rebate and dollar-back programs available. If you click through a link, or use a coupon code, your savings can be substantial. In addition, you get all the myriad benefits of shopping online – no children to drag through stores, no gas costs to get there and back, and no hassle of dealing with crowds.

So, once you’re convinced to shop online, where can you find the savings? There are several ways to save money online. Let’s start with coupons.

Coupons

This is a fairly standard. Go to one of the coupon sites (many will be provided below) and look for the store you want to shop with, or search by category, depending on your needs. Be sure to click “apply” when you enter the coupon during checkout.

Although in the early days of online shopping, coupon codes were plentiful and generous (frequently you could find $10 off a $10 purchase with free shipping), good coupons these days are hard to find. Some stores (like Lands’ End) rarely offer coupons while others (L.L. Bean) often offer free shipping on any size order. When you order, or even if you don’t order, be sure to sign up with the website either by registering or signing up for coupons. These direct-email coupons are often some of the best you’ll ever find.

Here are some excellent coupon sites to get you started:

MyBargainBuddy.com — Here, a mom compiles good deals and coupon codes for you. Some of the best deals need no coupon at all, but if there’s a good deal and a coupon to go with it, all the better.

FatWallet.com — Lots of codes here along with active message boards where other deals can be found.

MyCoupons.com — The most beneficial part of this site are the message boards, which are alive with the sound of people saving money. Check out the posts that have stickies on them at the start of each forum – there are often some good links to printable coupons here for favorites like Toys R Us and Chuck e Cheese.

One note: If you are looking for a code for a certain store, don’t assume that if it’s not available at one website, it doesn’t exist. There are different codes at different sites. Visit several coupon sites before giving up hope that a code does in fact exist for that store.

Rebates

Here’s how the big daddy of online rebate programs works. Go to Ebates.com and sign up for an account. There’s a sign up bonus of $5, so you already have a free $5 coming to you. Then, when you go shopping, check Ebates before heading directly to an online store. Even if you have a coupon from another site, click through the store link on the Ebates page for more savings.

Let’s say you choose a new jacket from Kohls and you have a $10 off a $75 purchase. Great. Keeping the coupon code in hand, you head to Ebates and find Kohls among the list of stores. This store offers 2% back, so you click through the Kohls link on the Ebates page, and make your purchase. Not only do you benefit from the coupon code you applied, but also got an extra 2% back on your purchase. Not a bad deal. Ebates will send money to your Paypal account or send you a check.

Points

Not everyone knows about the various point programs available, but since you can earn points without doing any shopping, the points programs are worth knowing.

Visit MyPoints.com and sign up for an account. My Points will send emails (sometimes daily, sometimes several in one day). You click a link in the mail and automatically get 5 points. Sign up for an offer or make a purchase through that link and earn even more points, from hundreds to thousands of points per offer.

My Points is most useful, however, when you’re shopping online. It’s like Ebates in that you click through a link on the My Points site, and you get points for your purchase. Most stores offer a certain number of points (2 to 4 on average) per dollar spent. Once you have at least 1,000 points, you can redeem the points for gift certificates for restaurants, gas, travel and clothing.

You can’t use Ebates and My Points in the same purchase, so if a store is linked through both Ebates and My Points, you have to decide which is the better deal for you. Whenever possible, try to combine a coupon code with the My Points or Ebates deal.

Money Saving Tips For Clothes Shopping


Shopping for clothes is one of life’s greatest pleasures. After a long, hard day at work there is nothing better than a spot of retail therapy. This is relaxing, fun and enjoyable but unfortunately can be expensive. Shopping for new clothes does not have to set you back hundreds. In this article we will look at some money saving tips designed to help slash your clothes budget without compromising your taste.

When shopping for a new wardrobe or just a few accessories, the easiest and best money saving tip is to hunt down those sales. Fashion always runs 6 months ahead of the current season. It seems that as soon as summer hits, stores are stocking for autumn and winter. This is the perfect time to snap up some great bargains. Retail clothing stores need to clear out their stock and the quickest way to do it is to slash the prices. Check your local papers for end of season sales. It isn’t uncommon to see prices slashed up to 80 percent. You can walk away with great looking items at a fraction of the normal cost.

If you simply cannot wait for a sale, then the next money saving tip is to find an outlet mall. Many of the major clothing chains have outlet stores. The left over stock from some of the main stores gets sent to the outlets at substantially reduced prices. You can find many great items for a lot less money. The quality of the items is exactly the same so don’t worry about purchasing something that is substandard.

Another great money saving tip is to shop in the down market retail stores. Many of the top clothing retailers are actually affiliated with other clothing stores that are slightly less up market. An example is the Hudson’s clothing stores. They are owned by the Dayton Hudson Company that owns Mervyn’s and Target. Many of the items in the upscale Hudson’s get sent on to their affiliates that are less flashy. The same items end up in these stores with a much cheaper price tag attached.

By applying these money saving tips and techniques, you can still enjoy your retail therapy without putting a serious hole in your finances. By scoping out those sales and shopping in outlet and down market chains, you can look great without the huge price tag.

Don’t Sacrifice Your Social Life With These Money Saving Tips


Today, we all want to have an active social life. Meeting up with friends for dinner and drinks can be one of life’s greatest pleasures. The downside is the costs involved. Dinners out and drinks at local bars can quickly mount up to serious cash. You don’t have to eat at a five start restaurant to suddenly find you’re out of pocket, over 100 dollars. Unfortunately, with many young people, this habit tends to happen more than once a week. It isn’t uncommon today for a young professional to spend over 1000 dollars a month on dinners out and entertainment. This can put a serious dent into ones budget and start to make life difficult in the long run. In this article, we will look at some practical ways for you to cut costs while still maintaining and active social life.

Young professionals today dine out on average 2-3 times per week. The amounts to lots of money wasted on restaurant food and bar refreshments. You may want to try having your friends over for dinner and drinks rather than going out. Suggest your friends come over to your place for dinner and drinks and offer to cook. You will be amazed how many will take you up on the offer and, how the social atmosphere isn’t compromised at all by being
At home. Chances are you will also find preparing a dinner party for friends very rewarding and fulfilling.

One thing you will also find a shock is the money you will save. When you compare the cost of eating out with that of eating at home the savings is exponential. Take for example a small dinner in an Italian restaurant. The average price for a main dish is about 12 dollars. Appetizers can range anywhere from 4 to 10 dollars. Generally, a good Italian dinner is accompanied by wine with Restaurants charging according to wine name and quality. However for a bottle of wine, that serves between 3-4 glasses you’re looking at 15-20 dollars. Quite easily you’re spending 42 dollars on a relatively small dinner. This does not include desserts or tips.

For roughly half of this amount you could prepare a nice Italian meal for 4-6 people. When shopping for what you need be sure to compare prices. Look up high and down low on the supermarket shelves for the cheaper items. For the same 12 dollars you spent on one serving of Italian food, you could easily purchase enough ingredients to feed your friends with leftovers. The same bottle of wine that the restaurant charged you 20 dollars for can be bought at most grocery stores for about 7-8. An appetizer of deep fried mushrooms, costing over 6 dollars in a restaurant, can be prepared for less than half that amount and feed 4-6 people.

Next time your friends suggest a night out, suggest meeting at your place. They will be amazed at your generosity and cooking skills. Everyone will have a great time and you’ll have the satisfaction of knowing you’re saving a fortune.

5 Effective Ways To Save Your Gas And Money


Controlling a family budget could be a more challenging task than planning it. It turns out to be even harder when gas price goes up unpredictably and it really strangles your neck, both yours and your partner’s.

Living without gas is nearly impossible. However, saving your money through gas is not. How? These 5 great tips below will help you save gas…. and money.

1. Save Gas Money Through Fuel

Learning to conserve gas can save you a great deal of money. You should avoid aggressive driving, such as speeding and reviving the engine and breaking the pedal too fast. These actually waste gas. Indeed, slamming the breaks is also an example of wasting gas. So, if you want to save your money, try to eliminate those forceful actions. If you happen to wait for something while you’re in the car, it’s best to turn off the engine. This will lessen your gas spending, thus lessen your costs, too.

2. Save Gas Money by Taking Good Care of Your Car

You need to take more attention on your car. Good maintenance leads to spending lesser amount of money. You’d better have a regular tune up and do not fail in emission test. Keeping an eye on the tires is also beneficial. Don’t let them get over or under inflated. If you can fix those problems earlier, it will save your money up to about 3 percent of your fuel.

3. Get a Gas Membership Card

You should get a credit card that you will use particularly for your gas purchases. Some of the credit cards provide excellent gas savings when you use the card. To bring you there, all you need to do is to get a gas membership card. Some gas stations offer some pretty good incentives with their memberships.

4. Get a Hybrid Vehicle

If SUVs are your great desire, it’s too bad, because that’s absolutely not a good choice of saving your gas and money. Sedans may be more economical than SUVs, but still they are probably not your preference. So, a better option for it is to get a Hybrid SUV. This will not cause you to pay for the extra gas. However, you know that SUV is pricey, so it’s best if you think about deciding it if it is really worth it.

5. Improve Your Fuel System

You know previously that it’s easier when you take good care of your vehicle. Using a quality fuel additive, such as a fuel system cleaner or conditioner is a great attempt. A fuel system cleaner is able to clean up harmful deposits, which can cause a problem for the fuel injectors. It can also stop them before they get there in the first place. In the meantime, a fuel conditioner can also keep residue from forming in your car’s fuel system, prevent varnish or gum from building up in the engine, and throws away the moisture that may have developed from condensation.

Saving Money With Credit Card Offers


In today’s economic situation, almost all items and services are getting more and more expensive everyday. This is why people go to any lengths just to save money. Some people try to save money by purchasing cheaper goods and some try to save on utility expenses, like electricity, gas, and water.

Credit cards are one of the most popular ways to purchase goods and services. It can even be used to pay for your utility bills. With a credit card, you don’t have to carry a lot of cash in your wallet to purchase the things you need in your everyday life. With a single swipe of the credit card, you automatically purchase the items you need.

However, credit cards also have its disadvantages. With a credit card, people tend to lose control in spending their money. People tend to spend more than they can afford. This is why credit cards are only recommended for people who know how to manage their money.

But, more and more people today are applying for a credit card as a way to purchase the items they need even if they still don’t have the cash for it.

There are available banks and lending companies that offer 0 percent APR credit cards. You now wonder what 0% APR credit cards are and what it can do to benefit you.

APR or Annual Percentage Rate is used by credit card companies to calculate the total cost of borrowing. The APR is used by credit card companies to make it easier for them to compare loan options and also to compare lenders.

Today, there are a lot of credit card companies that offer 0% APR on their credit cards. So, you now ask, “What’s in it for me?” Since the APR determines how much you have to pay on interest, a no interest credit is obviously the best. A credit card with 0% APR means that you don’t have to pay for interest, you only have to pay the amount you borrowed with no additional fees.

For you or someone who is looking for a way to save money on credit cards, this offer can be very attractive and you would try and apply for it immediately after the bank offers this kind of credit card to you. However, before you make any decisions, you have to consider a few things first.

First of all, 0% APR credit cards are only available on a limited time only. Sometimes, these offers last for only 6 months to a year. People who are unaware of these things tend to pay more than they have to because of not considering that this offer is only introductory and they find themselves using the credit card way past the introductory period.

For this, you have to find out how long the 0% APR promo will last and also how much the interest rate will be after the introductory period expires. There are times that interest rates can go from 0 to 20% in a single billing period.

0% APR credit cards are great for making balance transfers. A balance transfer is what people do to carry out payments from one card to another. It is a great way to pay off your debt from another credit card. For example, if you have a remaining balance from one credit card with 20% monthly interest rate, you can manage this debt more effectively by transferring it to a card that has 0% interest. This means that you will pay off the debt instead of paying off the interest rate.

Before you do this, however, you need to make sure that you can pay off the debt during the 0% introductory period. Always remember that interest rate can really go up after the 0% interest rate introductory period expires.