Online Shopping

Know the difference between your credit cards and your debit cards. They may look the same, but they way they are handled and the protections they offer are very different. When shopping online, you should use your credit card. If the information is stolen, you will be able to dispute charges. However, if you use a debit card and the information is stolen, your bank account can be drained in seconds.

Sometimes you can get the best deals by buying directly from the manufacturer. Not only will it bring you peace of mind as you are buying direct from the source, but many manufacturers offer discounts and coupons which you can use or get at retailers like Walmart, Amazon or Target.

Always use your common sense when shopping online. Ask yourself, do the prices seem way too low? Are there numerous spelling and grammar errors on the website? Does the company list a PO box instead of a physical address? These are all clues that you may not be dealing with the most reputable retailer. Use your common sense and don’t get scammed.

Make sure that you only provide the bare necessities when shopping online. Usually all that is required is your name, address and credit card number. Occasionally there will be additional areas for you to add personal information and phone numbers. If these areas are not required, do not fill them out. They can sell this information to marketing companies and you will be inundated with spam mail and marketing phone calls.

Just because some online stores overprice their items doesn’t mean you can’t find a great deal. The ideas you’ve read here will help you keep your money in your pocket where it belongs. Shopping online is great, and now you know how to do it without breaking the bank at all.