Pennysaverblog – Page 253 – Smart Finance and Money Saving Tips

Debt

Learn More About Payday Loans – They Are Simpler Than You Think

A payday loan is a loan given to the borrower by the lender with the next paycheck of the borrower as collateral. They are short term loans and the most widely used time span is 2 weeks. They can be rolled over as well if the borrower cannot pay the money on time.

Why do people use payday loans?

Most people use payday loans to meet an immediate monetary crisis. If someone needs cash at hand instantly, say for medical expenses or some unforeseen expense that he or she has to meet, then a payday loan can be useful Payday loans are available in all parts of the United States and the normal interest charged is $ 15 to $ 20 on every $100 lent.

May 25, 2012

Shopping

Shopping Online Versus Shopping On Main Street

Many consumers today have made the choice to shop online, rather than visit the local mall or main street shopping area. Although it feels good to shop locally, and offer local business owners support, shopping online has certain benefits that can’t be ignored. This is made clear when you look at the information on websites like Cell Phone Deal that discuss the latest eCommerce statistics – it’s surprising just how many people shop online! Whatever product or service you may need, you are certain to find it offered online and nine times out of ten it will be cheaper. It is up to you, as a consumer, to decide which method of shopping works best for you and if you are looking for a real bargain.

Online Shopping Is Convenient & Often Cheaper

One of the fundamental reasons why people shop for products or services online is a simple matter of both convenience and price. If you live in a very rural area, or you have no access to transportation, shopping on the Internet makes perfect sense. Spending an entire day to make your way to a department store is not a good use of resources. With fuel prices at a relative high, it just doesn’t make sense to travel 15 miles in order to buy toothpaste and shampoo. If you are trying to save money then you have a world of stores online at your finger tips, so you can bargain hunt and save money very easily.

May 25, 2012

Shopping

Superstore Is Not Always The Best Place To Buy Groceries

In the past I wrote an article about reasons that I shopped at Superstore for all of my groceries. However, my opinion has now changed. In the province where my husband and I previously resided, shopping at Superstore was the best choice for us as we took advantage of Superbucks that we received from the Superstore gas station and compared to other popular grocery stores, Superstore really was the cheapest alternative.

However, ever since we moved to a different Canadian province, I have found that Superstore is no longer the best option for us. Instead, I have found much better prices at a wide variety of other stores, including No Frills, Food Basics, and Produce Depot, to name a few.

When we first moved, I did my shopping at Superstore and was very disappointed in the poor quality and limited variety of the produce. The prices were much higher than I expected. Sure, they had a few really low priced items and they still did have the freebies for those who spent a certain minimum, however, there just wasn’t enough low priced items to make me want to shop there again.

May 21, 2012

General

Say Good Bye To The Canadian Penny

Well, this is the end of the Canadian penny. The mint in Winnipeg made its last pennies just a few weeks ago and soon the penny will be out of circulation. Since the cost of making the penny was greater than the penny’s actual value, the Canadian government decided to be rid of the penny once and for all. And Canada isn’t unique in doing so. Apparently other countries such as Australia have already done away with theirs.

Life will definitely be different without the penny. What will happen to the saying “A penny saved is a penny earned.”? And how will our children learn how to make proper change without the penny? I guess we will all just have to adjust to this change, just like any other change.

May 18, 2012

Shopping

Look For Clearance Items When You Shop

I have recently become more proactive at looking for the clearance items sections when I visit various stores including grocery stores, pharmacies, and even clothing stores. Whether it be due to upcoming expiration dates or a small insignificant amount of damage to clothing, many retail outlets have a clearance section that allows their customers to buy products at a deep discount.

If you want to save money when you shop, I recommend that you check out the clearance items first before being willing to pay regular price for any items you need. For example, the other day I stopped by a pharmacy to fill a prescription and discovered that a high quality body wash was priced at under $1.50. A brand of shampoo I like was about 65 cents, and so on. So, I stocked up on some items that I know I will use for a fraction of the price.

May 14, 2012

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