Catalogue shopping in and of itself is a way to save; but, there are other ways in which you can save money when shopping online. So, take the time to compare, learn what deals are to be found, and find out about top financing options prior to making a purchase. Not only will some of these things help you save, but will also result in paying off over time, rather than up front, if you can’t make a full payment for an item you want to buy.
Shop around –
If you want an item, and want to save, you can’t avoid the burden of comparison shopping. Yes, simply visiting three to five catalogues rather than buying from the first one you stop at will ensure the best deals. In many cases you can find great deals, finance options or other saving plans if you buy more than one item so look around before you buy. You can also look at catalogue comparison sites.
Of course this is a way to save. Not only does it allow you to spread the cost over time but if you have stellar credit you can even avoid interest all together in many cases and if not interest rates are virtually non-existent with a great credit score. So, consider paying items off over time, but make sure you are fully aware of all terms (interest, repayment period, missed payments, penalties, fees, etc), before you purchase.
Zero interest deals –
Many catalogues offer zero interest payment periods if you spend a certain dollar amount when you buy. From TVs, to new clothing, if you pay off the total price within a set period (usually 3 months or 6 months), you won’t pay any interest on the purchase. You will only find these deals by comparing and spending a certain amount, so make sure you visit a few catalogues prior to purchase.
Look for alternates; if you can buy a generic, or an item which is similar enough, without compromising on quality, go for it. Especially if it is something that you keep in the home, and aren’t using on a daily basis, you will be surprised how much cheaper generic or off name brands truly are.
There’s always the option to buy off season as well, if you can wait it out when shopping online. So, taking the time to compare, learn about promos and deals, and simply knowing what your options are in terms of financing, are some simple ways in which you can spend less, buy more, and get the most out of catalogue shopping.