Shopping with cents: getting what you need for less

By: Nikki Phipps

It’s ok to be picky about where you shop. After all it’s your money. For instance, I typically visit the dollar store before going grocery shopping. Did you know that they sell food too? I can usually get many of my grocery items from the dollar store for nearly half of what they would be anywhere else, which can be a huge savings by the end of the month. If you pay attention to when your favorite stores offer markdowns, you can take full advantage of the extra savings as well. Many people are unaware of this, but most stores have certain days during the week for markdowns, special sales, and other bargains. It is important, however, to keep an eye on the register as you are checking out, not only in grocery stores, but in all of them. Since pricing errors can and do occur, especially with these markdowns, it’s always a good idea to pay attention as oftentimes the cashier may not notice.

Other great places to find bargains, especially on clothes and household items, are garage sales, thrift shops, or tag sales. You would probably be amazed at the innumerable treasures that can be found here, and many are actually new. I have gotten brand-name clothing for my kids, with tags still attached, for next to nothing! Also, when I was going through my divorce, I was able to fill my new home with all the necessary household items, from window treatments and bedding to furniture and kitchen gadgets for just pennies compared to shopping at the mall or department stores. In spite of what some people think, there is nothing wrong with buying generic products either. The only thing missing is the pretty packaging and the name. In fact, if you take the time to compare labels, you’ll find that they both share the same basic ingredients. Taking the time to compare prices, no matter where the merchandise is located, will always help cut the cost of your shopping. If you’re shopping on a budget, generic products, especially food and medicine, are always a great way to put extra cash in your pocket.

Take advantage of rebates whenever possible. These are a great way to save money, and what many people do not realize is that the retailers are actually assuming (and hoping) that consumers will find rebates too difficult to even bother with. When you see an exceptional buy on something, and provided you have the money, go ahead and stockpile. Buying in bulk always saves money in the long run. Use coupons whenever possible too. While you might think that it’s a waste of time clipping out those coupons, the savings at the checkout might change your mind. I have cut well over half of my grocery bill simply by using coupons. Using these on a weekly basis and depending on what items I actually need, I have managed to save up to $80 or more a month.

Although most people are often skittish about this, shopping online is a great way to save money. If you have done your homework, this is a safe way to shop. In fact, reputable sites offer toll-free numbers for consumers who would rather not post their personal information and credit card numbers online. Online stores offer online savings codes as well as great seasonal sales and discounts, and in addition to these, many sites will actually waive the sales tax or shipping costs for online purchases. Shopping online will not only save you money, but you can find nearly anything imaginable online too.

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