Follow These 15 Useful Tips And Avoid Wasting Your Hard Earned Money (3 of 3)

Avoid shipping fee

In this digital age, online shopping has become a necessity. And any person who frequently shops online will attest to the fact that shipping fees do end up being sky-high at times. However, with a smart approach and some research, you can easily avoid the shipping charges.

For instance, Nordstrom, Crate & Barrel, Bonobos all offer free shipping. And if you are interested in large-scale retailers such as Target, they offer free shipping to a physical store near you, where you can collect your items easily. So, always try to dodge shipping charges, and it can help save some money in the long term.

Always make it a point to pay more than the minimum due amount

According to Experian’s 2019 survey, an average American has over $6000 of credit card debt. Now, let us say that your credit card company charges an interest rate of 15 percent, and you simply decide to make the standard monthly payment of $100. Keeping in the interest rate in mind, you would take 120 months to just pay your outstanding debt, not to mention the one you are already accumulating! Now, if let’s say you increase the payments to $125 a month, and you would only take 78 months to clear your debt. Similarly, $150 will bring that duration down to just 59 months! This is why is advisable to use a credit card calculator for your debt, as annual percentage rates (APRs) and minimum payments etc. can be really confusing for an ordinary person.

Install Honey

Let’s be honest – every single person on this planet would love a good discount. However, when it comes to shopping online, it can turn out to be a cumbersome process to track each and every deal that is on offer. This is why Honey is such a great option to consider. This app tracks discounts on the web and presents the best possible ones for you. It works as a Google Chrome plug-in, and when you decide to check-out, it will automatically use the best discount code on your order. Cool, isn’t it?

Go for an ATM-reimbursing bank account

Having an account with online banks such as Ally can be a good option to save some money. Since these banks do not have any ATMs of their own, they pay the withdrawal fees you incur when you use other bank ATMs. So, open one of these online bank accounts and save yourself some money!

Sign up for the best rewards programs

In this modern age, almost every major chain offers some sort of rewards program or the other. And by not signing up for one of those – a process that hardly requires anything more than just your name and email address – you are basically robbing yourself of your own hard-earned money!

Some of the best rewards programs that you should sign up for are AMC Stubs Insider, CVS ExtraCafe and Target Circle. Sign up for one of these and never miss out on money that rightly belongs to your pockets!