Tag Archives: online shopping

How to stay credit-savvy in the new year sales

Christmas shoppingWhen it’s time for the New Year sales, shops and suppliers are extra keen for our custom.

And there could be some room for a bit of give and take, with shops probably having plentiful stock to shift in the face of the boom in online discounts.

There isn’t much that cannot be discounted, so it’s up to you to persuade them to do it. Remember that you have nothing to lose, as all retailers ultimately want your custom.

Four quick haggling tips:

  1. Before you venture into a shop, find out what the best price is online so you can ask the seller to match or better it.  Doing your homework could help you get in a position where you can negotiate a happy middle ground. Continue reading

Plan your shopping budget for winter

Sometimes just making small changes to the things we do on a regular basis can help cut down the cost of our weekly food shop.

Small changes to the things we do on a regular basis can help cut down costs

Small changes to the things we do on a regular basis can help cut down costs

With winter on the way, reducing what we have going out can help us make the best of what we have coming in. Especially when January can sometimes be a challenge, if like many people, you were paid earlier than usual in December and have a much longer run until the next payday.

Here are five simple tips for a food shopping budget in winter:

  1. Plan ahead and budget – It could be something as simple as making a shopping list, so as not to overbuy at the supermarket, or it could be comparing prices in shops, across websites and with available discounts before you make a large purchase or sign up to a utility. And keeping up to date with when your credit bills are due can help you avoid the risk of missing payments. Continue reading

Spreading the cost of Christmas shopping

friends-shopping-xmas-300Most of us spend more in the immediate approach to and during the festive period than we normally would, so it’s probably a good idea to budget in advance and put some money aside – so that come mid-December, you don’t have to dig too much into money you either don’t have, or money you’re going to need in January.

Here are five things that might be worth thinking about:

  1. Christmas is a prime time for buying things that are either unwanted, don’t work properly or don’t fit. But… buying on credit can give you protection. If you buy goods or services on your credit card, you have extra protection if things go wrong, compared with paying by cash or even debit card, under section 75 of the Consumer Credit Act. Continue reading

Make it the mother of all Mother’s Days

mothers-day-250This Sunday (6 March) is Mothering Sunday – the day when Mums up and down the country get spoiled rotten, and why not?

Where and why?
Mothering Sunday is said to date back to the 16th century, when worshippers returned to their ‘mother’ church on the fourth Sunday in Lent.

The tradition had begun to fade by the middle of the 20th century, until the influence of American troops in the UK, and within Allied forces, during the Second World War drove a link between Mothering Sunday and the US’s own Mother’s Day, which had been declared a nation holiday in 1914.  Continue reading

A Bag Don’t Come For Free

platsic-bag-fruit-300Yes, it’s now 5p for a ‘free’ bag! As you may know, from Monday 5 October that’s how much it’s likely to cost you for a single-use carrier bag at the supermarket.

It’s been in force for some time in the rest of the UK, but a change in the law in England now means that any shop that employs over 250 people full-time nationwide has to charge 5p for one of those plastic carrier bags – the ones many of us take for granted we’ll be given free.  Smaller businesses won’t be obliged to do so, but will be encouraged to start their own system for charging for bags. Continue reading

6 online Christmas shopping tips

Are you doing your festive shopping online?

Are you doing your festive shopping online?

Managing your finances at Christmas can be tough, especially when there’s a lot to pay for, and a lot of time to fill. So if you’re planning on doing your festive shopping online, we’ve come up with some key tips that might help.

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5 ways to stay safe shopping online

We're all looking harder for value online

Shopping? Be careful where you click

We spend much of our lives online, but it’s important that this doesn’t give us a false sense of security when we go online to shop, as so many of us now do.

There are a number of simple things we can all do to help avoid becoming a victim to identity theft.

–       Be careful where you click – It’s best to use websites that you know and trust.  Always look for a security padlock icon in the top left hand corner of a page before you register financial or personal information on a website. If an online deal sounds too good to be true, it quite probably is.

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