Being frugal truly starts with a commitment on your part. You have to dedicate yourself to learning as much as you can about how to save money. When you want to shop online, this article should be the start of your education, so be sure to read it in full.
Never try to shop directly from a link someone sent you in an email, unless it’s a widely known and respected site, like Amazon.com. Too many consumers get tricked into scams via hyperlinks in questionable emails. Visit the URL of the site mentioned in the mail, instead of clicking the link itself.
Never give out your Social Security number to an online merchant. This number is not required for placing orders online. Giving an online store your Social Security number can help them use your personal and private information to steal your identity. To prevent that, if you go on an online store site and see that as a requirement, do not buy anything from them and shop somewhere else.
When you enjoy the convenience of frequent online shopping, it’s very important to keep changing the passwords you use for each account. Every couple of weeks or so, make up a new password for your bank and the shopping sites directly. Use abstract words, combined with numbers and other odd characters for the strongest passwords.
Keep an eye on your bank and credit card accounts. If you are shopping online, don’t wait for the end of the month to review your finances. Check your account online periodically to make sure that there are no extra charges. If you notice anything amiss, get in contact with your bank or credit card company as soon as possible.
If you are a big fan of shopping online, make Tuesday your day to look for bargains. It’s an industry fact that most sites post new merchandise and offer discounts on this day of the week. Although you might be inclined to spend on Fridays or Mondays according to your budget, Tuesday should be the cheapest.
You should be able to access your credit card statements online. Get in the habit of checking them at least once a week, particularly if you shop online a lot. If a charge pops up that you don’t recognize, you will be able to dispute it right away. However, if you don’t check it soon enough, you may not have any recourse.
Online shopping has expanded to the point where you can virtually buy anything online. You can even do your grocery shopping online. Your success and savings with grocery shopping online may vary due to your location and the items you buy but in many instances, you can save money and time and have everything delived, all without ever having to leave home.
Use online calculator tools if you want to verify the benefits of a given deal. The larger the purchase, the more crucial it is to use one of these calculators. Take the time to do the math to make sure you are paying as little as possible. You never know what you will discover.
Trust your instincts when it comes to deals that seem too good to be true online. Shopping over the Internet is much different than your local brick-and-mortar store in that you can’t just go in and speak to the manager. Once you’ve submitted your credit card or bank information, you can’t take it back, so read all the fine print before buying.
Get in the habit of checking your bank account after any major online transaction or purchase. The amount that you are charged needs to be exactly what you spent. If you see extra charges on your bill that you didn’t expect, speak with a customer service agent as soon as you can to file a complaint. Be sure to notify your bank and inform them of these charges. Have the charges removed, especially if you intend to cancel your purchase.
Never purchase something online from an online store that you have never heard of without verifying their reputation. Many people set up fronts online with the sole purpose of ripping off consumers. In order to protect yourself you should always look for reviews for the company before you decide to buy.
Invest in a quality antivirus before shopping online. Some virus such as keyloggers can spy on what you do online, even if you go through a secure online store. A third party could have access to your payment information if your computer is infected. If you have doubts about your computer, use a different one to shop online.
When making an online purchase, only provide the minimum information required from you. This information is often denoted with an asterisk and typically includes your name, address, and payment information. Leave all optional fields blank. This optional information is often used by companies to study demographics, but could also lead to spam messages or other unwanted solicitation.
If you are worried about identity theft, it may have kept you from shopping online. This is a common concern. The reality is that there have been major technological improvements in online security and credit card transactions are safe on most sites. Concentrating your online shopping attention on companies that you’ve already had good experiences with in the past is a great way to stay safe.
Now that you have read this article in full, you are armed with the knowledge you need to keep your online shopping bills to a minimum. While you can still buy everything you need, you also know how to pay less for each item. Keep learning so you can continue to be a bargain shopper.