Get the most from the money you spend

Here are some shopping tips to help you get the most from the money you spend:

At the store

  • Resist impulse buying! Ask yourself:
    • Do I really need it?
    • Do I need it today?
    • What if don’t buy it now?
    • Can I do this at a lower cost?
  • Limit the cash you carry.
  • Shop with your budget in mind.
  • Avoid ATM fees.
  • Watch for sales.
  • Wait for the right price.
  • Look for coupons and rebates.
  • Shop for value!

Food shopping

  • Save money by eating at home.
  • Make a shopping list for the grocery store.
  • Watch for sales and coupons.
  • Buy products you use frequently in large sizes or bulk quantities.

Credit card tips

  • Get a credit card with a low annual fee and low interest rate.
  • Don’t use a credit card if you can’t afford the price.
  • Pay your credit card bills on time.
  • Avoid cash advances.

Keep track of your spending

  • Keep your receipts.
  • Check receipts against statements.
  • Check statements against your budget.

Cell phone tips

  • Shop for a package deal.
  • Ask questions.
  • Read the contract before you sign.
  • Understand the features and prices.
  • Watch out for high text messaging charges!
  • Keep track of your usage.
  • Pay your bill on time and in full.

When making major purchases

  • Consider your needs.
  • Determine your budget.
  • Research before you buy.
  • Comparison shop.
  • Research product claims.
  • Try before you buy.
  • Ask family and friends.
  • Confirm the full price.
  • Watch for sales, coupons and rebates.
  • Consider negotiating.
  • Find the best overall value — quality, service and price.
  • Inspect products before you buy.
  • Understand the warranty.
  • Know the return policy.
  • Save your receipt.
  • Speak to the manager if you have a problem.