Shopping online is both a blessing and a curse.  We all have a tendency to impulse buy, ending up with a purchase we didn’t really want or need.  It’s just too easy to click! On the other hand, when we are shopping for things we really need, buying online can allow you to easily compare prices, look for sales, avoid sales taxes, and quickly access products that may not be locally available.  Here are some great tips for saving money on virtually every online purchase, even if the item you want is not on sale.

1: Use a discounted gift card.

Almost every major retailer has a gift card program.  Many people are unaware that the cards can be purchased at a discount.  Check out these websites for cards issued by the retailer you plan to use.

• Cardpool
• Raise.com
• GiftCards.com

You may be able to purchase a card for 10-30% less than its face value, giving you a great discount when you make your purchase.

2.  Use a cash-back credit card.

 Fidelity’s Rewards Visa Signature card offers unlimited 2 percent cash back on everything you buy. The funds are deposited automatically into your Fidelity account. There’s no fee to open a brokerage, checking or retirement account at Fidelity, and the card has no annual fee.  That’s hard to beat. There are other cards with similar cash-back deals.  Search for the one that’s right for you.

3. Walk away from your shopping cart.

Once you’ve set up an account with an online retailer and entered your contact information, the retailer will track your shopping. If you leave items in your shopping cart and leave the website, there’s a good chance you will receive a discount offer within a day or two.  It pays to be patient!

CHECK OUR BLOG POSTS FOR MORE GREAT STRATEGIES FOR SAVING MONEY!  www.morganlawyers.com

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