Learners Quest
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If you're trying to avoid taking on more debt, shopping online can be a bit of a minefield. Here are a few tips to help you stay out of the red while you're shopping online:
1. Set a budget. Determine how much you can afford to spend on your purchase, and stick to that number. Once you've reached your limit, walk away.
2. Do your research. Compare prices and features of different products before you commit to a purchase.
3. Pay attention to the total cost. When you're shopping online, it's easy to get caught up in the sale price of an item. However, you also need to factor in shipping and handling costs, which can add up quickly .
4. Avoid impulse purchases. It can be tempting to buy something on a whim, but if it's not something you truly need, it's not worth going into debt for .
5. Use a cash-back credit card. If you use a credit card that offers cash back rewards , you can earn money back on your purchase . Just be sure to pay off your balance in full each month to avoid interest charges .
By following these tips, you can shop online without incurring additional debt.
1. Set a budget. Determine how much you can afford to spend on your purchase, and stick to that number. Once you've reached your limit, walk away.
2. Do your research. Compare prices and features of different products before you commit to a purchase.
3. Pay attention to the total cost. When you're shopping online, it's easy to get caught up in the sale price of an item. However, you also need to factor in shipping and handling costs, which can add up quickly .
4. Avoid impulse purchases. It can be tempting to buy something on a whim, but if it's not something you truly need, it's not worth going into debt for .
5. Use a cash-back credit card. If you use a credit card that offers cash back rewards , you can earn money back on your purchase . Just be sure to pay off your balance in full each month to avoid interest charges .
By following these tips, you can shop online without incurring additional debt.