Having a "Reward Card" a credit card that rewards you in some way each time you use it is a no-brainer and there is a vast selection of these "cash back" or "free gas" or "air mile" or "auto dealer rebate" cards out there. And check their perks page to many little known benefits like travel insurance, extended warranties, price protection, ect.!
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It really adds up fast. Everyone disciplined enough should try this strategy because it's a totally free, very easy, and automatic way to build up an extra little cash back nest egg for those inevitable rainy days. And you're getting nice discounts to boot. But for the extra cash-back bonuses for online purchases, you have to link to stores via Coupon Cactus or Ebates or through the Card company's shopping portal if your reward card company offers such referral sharing that is. Definitely sign up for Coupon Cactus and Ebates, either way.
Update: I believe ShopDiscover was discontinued. In my opinion Coupon Cactus seems to pay higher percentage rebates and have better coupon codes and deals. These referral sharing programs consist of the site's, or bank or credit card company's affiliate program referral links to a wide selection of online retailers. If you follow their referral link to the store and make a qualifying purchase, the credit card company or bank or ebate site will often give you double digit percentage back on your purchase totals.
I always shop around though. This is another way to add additional savings on top of any other coupon or promotional deals you can find. This is my personal favorite leveraging strategy for how to save the most money on my online purchases. Try it. You'll lament that you ever payed full price with no coupon code, rebate, or cash-back applied. Those full-price days are over! Below are many of my frugal shopper tips and tricks that will help you better earn a frugal living and keep more of your hard-earned cash.
If you are a fiscal Zen Master of finding and applying online coupons, like I am, then you are definitely in the right place to add to your knowledge about frugal shopping with coupon codes and promos. I'll show you my Emeril Lagossi method of kicking deals up a notch for huge additional savings. Please feel free to share your tips below too if you can teach this old thrifty dog some new tricks. However, if you are a coupon code novice uninitiated in this most powerful method of how to be frugal while shopping online, then you especially will likely find the below extensive insider tips and resources most enlightening.
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All the information and strategies here will bestow upon you a virtual Masters degree in saving money online using promo codes, rebates, and online coupons. Like I said, the religious use of coupon codes has literally saved me thousands of dollars online since I first stumbled upon the retailers' secret little world of digital savings. Thus, one of my top frugal living tips is to master if you havn't already the benefical art of efficiently searching for, discovering, and applying coupon codes online. That's what this page is for You are leaving money on the table if you don't use them.
Shopping and banking online from the comfort of home is a big upside of living in this Twenty-first Century digital Utopia. By shopping online, I don't have to waste time waiting in long checkout lines. Online shopping also allows me to save gas money, reduce my carbon footprint, save tons of time, and avoid in-store and on-road stress. And I will never get trampled at Wal-mart on Black Friday!
Best of all, I get to plug a little code into a little box at checkout and click "apply promo code" to save nice percentages or apply promotional deals for free shipping and even sometimes get free bonus give-aways too. I don't typically get those benefits when I shop offline at the brick and mortar retailers who offer little in the way of regular incentives and perks.
To me, being able to apply Promotional codes while shopping online from the comfort of home is like getting paid extra for extra peace of mind. No downside! So it's a no-brainer, especially for frugal folks like us. Though online coupon code use is heading into the mainstream now, a good many online shoppers still invariably pay full retail prices most of the time.
Many folks are also unaware that online printable coupons and coupon cards are displacing the traditional, tedious, and extremely time-consuming process of finding and clipping coupons from newspapers and circulars. The rise of coupon databases and coupon aggregators is also making the process easier.
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Loadable coupon cards are gaining popularity too. Now I'll share some of my other favorite frugal shopping tips for saving and even making some money and extra rebates while you are shopping, browsing, or playing online. SwagBucks is very popular among frugal folks as a way to save more bucks AND earn more bucks. You can earn for having fun every day online!
See my special widget below for a peek. SwagBucks awards you digital dollars for many tasks you may be doing every day anyway, such as searching the web, watching videos, taking surveys, or shopping. SwagBucks add up fast! The SwagBucks site is also the hub of a thriving community of thousands of other thrifty people.
There are many fun and easy ways to earn SwagBucks. Here are some of the things that makes Swag Bucks so addictive:. One of my pet peeves with the Extreme Couponing folks is that some of them are borderline hoarders and they are conspicuously consuming much more than they need. Large amounts of their living space is taken up in some cases. Sure they'd say it's what their family would normally consume. But that's my point, those families are consuming too much. I mean 15 bottles of mustard?!
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I think one bottle lasts my family about a year. And a bottle of aspirin lasts about 5 years! That brings to mind the issue of expiration dates. Most of the extreme couponers seem pretty organized in their expiration monitoring systems. But all the organization, consolidation, checking, rotation, and worrying has to take a toll.
Things have a finite lifespan of quality, so inventory is a burden and waste is more likely. That's the cost of maintaining a consumer hoard of store-bought goods. Some extreme couponers have even taken out insurance on their stockpiles because there is so much stuff. I don't consider someone frugal if they are such gross consumers of needless crap, like all the multitudes of specific and very toxic cleaning chemicals.
I use only baking soda, vinegar, bleach, rubbing alcohol, and dish soap for most all my household cleaning supplies. This saves my health, lots of money, and the environment. All the stuff the extreme couponers buy produces excess waste in packaging, residues, and manufacturing pollution from cradle to grave. It's always better to consume less.
Coupons are great; however, focusing on the extreme couponers' lump sums of money saved detracts from the real issue of how they appear to be consuming at such a high level the savings is a catalysts for yet more conspicuous consumption. The cameras glamorize the whole phenomenon by editing out the dark underbelly of it all.
Peace of mind is worth a lot and extreme couponing has it's own significant built in costs not obvious to viewers. They are part of the reason Americans are seen as resource hobglobins who's conspicuously consumptive lifestyle on average would need 5 planet Earth's to sustain if everyone else on the planet did the same. And extreme couponers are NOT average Americans either.
And there has already been much controversy over some of thier couponing tactics. Many of them suspected of allegedly cheating by using coupons for items they were not intended for The Coupon Information Center has drawn attention to other unethical and possibly illegal practices featured on episodes of TLC's Extreme Couponing series.
Coupon fraud also hurts other frugal folks because those product deals will likely be dropped by companies hurt by misuse of coupons. So we all lose out in the long-run. But new coupon technologies are on the horizon which may curb Extreme Couponing tactics and coupon counterfeiting. Overall, to me Extreme Couponing looks unethical and socially irresponcible in many cases.
Comp Shopping for Bargains It Pays to Run the Numbers As I continue my online bargain hunting I make a list of the codes and the deals they correspond to. Then I shop around for codes that will beat those first deals. Most coupon codes will offer a percentage off, but to know how much money you will save off your total or off of the price of a specific item, you have to know how to calculate how many dollars the percentage will result in. Here's how: To calculate any percentage of any amount, simply move the percent number's decimal two places to the left and multiply that number by the total price.
This will be the total dollars you will save. For example, if you find a coupon code from Overstock. This will give you 0. A culculator is a must-have for effective bargain shopping. So if your purchase total at Overstock. But what if Overstock. Most retailers allow you to use only one promotion code at checkout so you often have to figure which code will give you the most bang for your buck. So you will learn that you often have to proceed through the checkout process but NOT complete the final process of placing your order so that you can find out what your total is, plus other fees like shipping.
Then use your back button if you have to return and enter a different coupon code. Just DON'T complete the order until you have decided which promo combination or code will give you the best deal. You will also want to make sure to verify that the deal has been applied to your total. Then and only then should you complete your transaction at checkout. However, sometimes you can have your cake and eat it too, especially around the holidays when site-wide free shipping becomes a common "built-in" promotion, which will then allow you to use a discount code at checkout too.
Being "Penny Wise and Pound Stupid" With Coupon Code Analysis Paralysis The hunt for the best coupon codes can be very addictive, especially when you learn just how much money you can save instantly Time is money afterall and with coupons you can be "penny wise and pound stupid", as the oldtimers used to say. So try not to get Obscessive Compulsive Disorder for saving money with coupons. I know many over zealous coupon clippers who seem to be suffering from coupon clipping OCD, or the online version of it which I guess you could call "coupon clicking OCD".
The higher the price tag of the item you want, the easier it is to obscess over finding the best online deal code. But if you want to leverage your time most wisely it's better to invest more of your time in finding savings on the large ticket items, than to waste too much time on the miniscule purchases.
It's like paying off credit card debt Just think about how much of a directly valuable "homeschooling lesson" this could be. They'll have to learn how to use their deductive reasoning skills and how to creatively "think outside of the box" "big box retailer" that is. They'll also learn the above outlined valuable lesson of how to calculate percentages to find the best deals.
Learning to calculate percentages is a key concept that will help them manage money for the rest of their lives - from chosing the best credit card offers and managing debt, to being able to understand the power of compounding interest on the money they will save. And save money they will thanks to their newly learned good habit of religiously using coupon codes for the rest of their online shopping lives. So if you finally cave in on taking that once-in-a-lifetime family vacation to Disney World, renting that luxery beachfront home on Anguilla, taking a family cruise around the world, or you just want to order some groceries from Amazon.
Incentivize the lesson by making it clear that the more money they help the family save with coupon codes and deals, the more perks the trip will afford for them. Give them a vested interest in the family's finances and teach them the upside to being money wise and frugal.
Instead of an allowance, develop a "profit sharing program" for the kids and share with them the savings and perks they will reap as they become increasingly savvy coupon code hunters and budding personal finance prodigies. In the process they will learn how to live life on their terms rather than those of others. Put them on track to a life of being financially independant Get them started early and the good habits will multiply like the dollars they will continue to save. Persistence and Redundancy Often Pays Off With Coupon Codes Be aware that each store often has multiple promo codes floating around which will get you the same percentage off deal, free shipping deals, ect.
So make note of the various sales codes even if they are for the same deal, just in case you need a back-up code at checkout.
Somtimes certain promo codes will be expired or just won't work at checkout for whatever reason, so always have some of those other codes written down so you can try them as back-up codes for the same deal. Persistence and redundancy often pays off. If there is an online store you frequently shop at, don't hesitate to take advantage of any of these automatic coupon and bargain delivery systems, because that is exactly what they are.
Some of the best deals ever are delivered exclusively through these channels. You can even set up a "watchlist" for certain items you are interested in so that the store will notify you by email or RSS if the price drops below a certain level you specify.
And by being a member of their newsletter or valued customer programs they often will sweeten the deal on the items you show interest in, particularly during the big shopping days such as Black Friday. Makes a strong statement. Blue Envelopes : Suits male themed birthday or event cards.
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