Tag Archives: online shopping

Save Money When Shopping Online

With tens of thousands of people still out of work and the economy still limping toward a recovery, wise spending remains important. And with huge parts of life still happening on your screen, for many, this means saving on online shopping.

Here are some tips for saving money when shopping online:

Wait on every purchase 

Online retailers purposely make it quick and easy to buy the stuff in your cart. Outsmart them by waiting between choosing your purchases and actually purchasing them. This trick serves a dual purpose: First, you may find you don’t really need or even want the item after a few days. Second, the retailer will almost always email a coupon for you to use for the “forgotten items” in your cart.

Outsmart dynamic pricing

Dynamic pricing is one of the most powerful tools merchants use to get online shoppers to spend more. It involves using sophisticated algorithms and tracking to show shoppers prices based on their location, browsing history and spending patterns. Retailers learn each shopper’s price point and show them products in that range.

Fortunately, you can outsmart dynamic pricing by following these tips, especially when shopping for items with a wide price range, like airline tickets.

  • Clear your browsing history and cookies or shop with your browser in incognito or private mode.
  • Log out of your email and social media accounts.
  • Choose localized websites of international brands instead of being redirected to the U.S. site.

Time your purchases right

Believe it or not, there’s a method to the madness of online pricing. Learning how to crack the code can help you unlock substantial savings.

Sunday’s your day to score cheap airfare, with Mondays being the most expensive day to book your tickets, according to Airlines Reporting Corporation.

Bookworms are best off shopping for new titles on Saturdays, as this is when Amazon and Barnes & Noble launch most book sales.

Shopping for a new laptop or desktop computer? Major retailers, like Dell and Hewlett-Packard, distribute coupons each Tuesday.

For most other purchases, it’s best to wait until the end of the week for the best deals. According to Rather Be Shopping, most stores roll out discounts and special deals on Wednesdays, Thursdays and Fridays.

Layer coupons

You may already be in the habit of never completing a purchase without doing a quick search for coupons, but even when you have those coupons on hand, there’s a technique that will guarantee the best savings.

Always use a promo code before a discount coupon. A promo code will take a specified percentage off your entire purchase while a discount code will take off a dollar amount. For example, say you have a 15% off promo code and a $5-off coupon to use on a $100 purchase. First use the promo code to shave $15 off your purchase. Next, apply the discount to bring your total down to just $80. If you’d do it the other way, you’d save less money.

Ask for price-drop refunds

Discovering that an item you purchased yesterday has just dropped in price can be incredibly frustrating; however, some companies take the edge off by offering to refund the price difference within a specific timeframe. Amazon, for example, gives a grace period of seven days from the delivery date to claim discount refunds. You can use camelcamelcamel.com  to monitor price changes on the retail giant’s website.

Use multiple emails for discounts

Many online retailers offer one-time promo codes for new customers, but you can be a new customer more than once. All you need is a different email address.

Don’t shop alone

Take advantage of the many apps, websites and browser extensions that can help you save money every time you shop online. Here are just a few you may want to try:

  • PriceGrabber – Use this app to compare prices on millions of products to find the best deal.
  • Rakuten – Shop your favorite retailers through this site for instant kickback cash.
  • Ibotta – Shoot a photo of your receipt for rebates that will go right back into your pocket.
  • Retailmenot.com  – Check this site for discounts and coupons you may have missed.

Online shopping just got cheap again!


Check out our Money Management tool for all your budgeting needs. Questions? Connect with us at 503-275-0300 or info@usacu.org.

Holiday Shopping Safety Tips

Whether in-store or online, it’s the time of year where we all need to be diligent about protecting our finances.

Here are some safety tips from the Northwest Credit Union Association (NWCUA):

In-Store Purchases:

  • EMV chip cards provide an extra layer of security when you buy on site (not online). Not all merchants have caught up with this technology trend. Ask the merchant if they have the chip system in place. If they don’t yet support it, use your card but continue to monitor your transactions daily. Take advantage of your credit union’s online account monitoring services. Report any suspicious activity to your credit union immediately.
  • Be sure your card is returned following each purchase and that it is indeed your card.
  • Wait for the card receipt. Never leave it at the checkout counter, and keep receipts with you; not in your shopping bags.
  • Check your statements and watch for multiple or incorrect charges. Compare receipts to your account statements, and then destroy your receipts.
  • Report unauthorized transactions to your credit union immediately.
  • Keep a list of your card account numbers and telephone numbers to call if your cards are lost or stolen. Keep that list in a secure place.
  • Make sure you have signed your credit and debit cards. Do not write your PIN on the card!
  • When entering your PIN, block the keypad from the view of the cashier or other customers.
  • Know that your PIN can be stolen in other ways. There is a heat signature left on non-metal keypads for several minutes after you use it. Infrared cameras installed on Smartphones can be used to measure this heat signature and obtain your PIN. Stop this fraud by resting your fingers on other keys while typing in your PIN.
  • Running your card as credit rather than debit is another way of protecting your PIN.

Online Shopping:

  • Use a secure Internet connection.
  • Do not use public wireless networks for online purchases.
  • Shop on sites with https:// in the URL, and be sure that an icon with a lock appears to the left. The “s” stands for “secure” and indicates communication with that site is encrypted.
  • Type the merchant’s address directly into your browser; avoid links.
  • Use complicated passwords with at least eight characters. Include numbers, special characters and upper and lower case numbers.
  • Keep the antivirus and security software updated on your computers and mobile devices.
  • We recommend that you don’t store your payment information. Many websites or apps let you store your credit and debit card information for convenience, but this might also be too convenient for thieves.
  • Do not respond to pop ups, and do not share card information via email or texts.
  • Set up payment and purchase alerts via text and email. If you notice suspicious activity, notify your credit union immediately. 

The Northwest Credit Union Association is the not-for-profit trade association representing over 160 of Oregon and Washington’s credit unions and their 5.2 million members. The NWCUA is the voice of the Northwest credit union movement, providing legislative, regulatory and public advocacy in addition to education, compliance, networking support and business solutions to credit unions. For information on how to join a credit union, please visit http://www.asmarterchoice.org.