Tag Archives: online shopping

Looking your best on a budget, part 2: Savvy clothes shopping

Just as with hair and makeup care, the subject of our previous blog, when it comes to clothing you always want to look your best. But many women worry that they just don’t have the money to build their personal and professional wardrobe up to the level they want it to be. Fortunately, there are ways to shop for terrific clothes that will cost a fraction of what you might expect. Here are seven tips for dressing your best on a budget:

Stick to wardrobe basics

The first tip is to stick to wardrobe staples that belong in every woman’s closet, clothing that can be worn in a wide range of combinations. These include a black cocktail dress, a black skirt, a white blouse, jeans, cardigan sweaters, and sandals, black flats, and black heels. And on a related point:

Keep it simple

You don’t want to chase the latest fashion trends or purchase trendy items that may go out of style in less than a year. Instead, you want to buy beautiful simple clothes that you can look at and think, “How many outfits will I be able to make with that?”

Practice patience

You’re not going to be able to build a terrific looking wardrobe quickly; many fashion seasons may have to come and go while you hunt for great clothes at great bargains.

Comb through clearance sales, outlet stores, and thrift shops

Combing through clearance racks is a great option at all regular department stores. Visiting outlets may also lead to terrific bargains, and the occasional visit to a thrift store may also surprise you with a great find.

Set your shopping days at the end of each season

The end of each season is when most stores have to clear out their merchandise to make room for new clothing – also making it a great time to shop.

Set a monthly style budget

While it’s always tempting to just grab your purse and hit the malls, smart shoppers don’t leave the house without knowing how much they can spend – especially if they’re using credit cards to make the purchase.

Check out Internet outlet sites

Outlet malls are no longer the only places to find discounted brand-name clothing. There are terrific Internet outlet sites like overstock.com, outnet.com and 6PM.com that may have last season’s clothing at steeply discounted prices.

We hope you’ve enjoyed both of our blogs on looking your best on a budget, and trust that they’ve given you some great ideas on looking beautiful without spending a fortune. At J.G. Wentworth, the simple truth is that we love helping our customers; they are the backbone of our 20+ year record of success in the structured settlement and annuity payment purchasing business, and are the reason we are the nationwide leader in the industry and have an A+ rating with the Better Business Bureau. If you would like to learn more about who we are, what we do, and how we can help you, we urge you to call us today at 877-227-4713.

8 ways to stretch your dollars the farthest when you grocery shop

Want to make sure you are stretching your dollars the farthest when you shop for groceries? Considering how often most of us go grocery shopping, the reality is that even a little bit saved each week could add up to hundreds, even potentially thousands, of dollars over the course of a year. Here are eight ways to make sure you are stretching your dollars the farthest each and every time you shop for groceries, starting with:

Shop online for coupons before going to the grocery store

Before you even go to a grocery store, you should check out some of the many online coupon sites that can lead to substantial savings on groceries. These websites include Coupons.com, Redplum.com, and SmartSource.com, to name just a few.

Join your supermarket’s loyalty program

Signing up for a grocery store’s Loyalty Program, and checking in regularly to see what promotions they are running, will add substantially to your bottom line savings.

Plan meal selections around food discount opportunities

Most folks make a list of the foods they want to eat, then shop for them. Why not go to the grocery store or online coupon site first, see what promotions or advertisements are running, and plan your menu accordingly?

Learn which store consistently has the best prices on your most commonly purchased foods

Have a list of items you always purchase, such as cereal, eggs, milk, apples, etc.? Visit a few stores in your neighborhood and identify the ones that consistently have the best prices on these foods.

Shop for foods in season

The more seasonal a food is, the more likely it can be found at a lower price – and will taste better besides.

Slice meats, fruits, and vegetables yourself

You’ll save anywhere from 33% to 50% if you avoid purchasing pre-sliced fruits and vegetables and avoid deli counters.

Purchase food at “big-box” stores

Big-box stores like Costco, Sam’s Club, BJ’s Wholesale Club, and Walmart, among others, offer food items in large packages that can lead to substantial savings over time.

Consider buying meat, poultry, and fish in bulk

Most folks resist buying meat, chicken, and fish in bulk because they’re concerned about freshness. But as long your freezer is set at the proper level even these foods can be stored safely for substantial amounts of time.

We hope these eight tips on stretching your dollars the furthest will help you keep as much of your money as possible where it belongs – in your pocket. Our company, J.G. Wentworth, is a firm believer in the adage “a penny saved is a penny earned”; it is also our hope that all our customers, past and present, become as financially prudent as possible, and develop shopping habits that lead to substantial savings over time. If you are looking for financial assistance or for cash now out of your structured settlement or annuity payments, please call us today at 877-227-4713.

Why a lot of people with great credit still prefer to use prepaid cards

Reloadable cards that can be used anywhere traditional credit cards are accepted, prepaid cards are becoming more and more popular. Although many consumers with poor credit will turn to prepaid cards as an alternative, many others—even those with great credit—still find that prepaid cards offer a plethora of advantages. Some of these terrific benefits include:

Financial protection

With certain transactions and purchases, there are times when your credit card will be out of your sight for several minutes. A common example is when paying for a restaurant bill. During this time, it’s impossible to know how many people might have seen your credit card and if anyone copied down your information, with an intent to use it fraudulently. Another potential risk of using credit cards is when shopping online. Although credit card use is usually required when shopping online and relatively safe (as long as you are using a secured connection and ordering from a reputable retailer), security breaches do happen and customers’ credit card information can be compromised. With prepaid cards, there is a lot less at risk, if any at all. Many consumers with prepaid cards will simply load on the money they plan on spending for a specific outing or purchase—perhaps with a little bit extra as a buffer. This way, if their credit card information is obtained and used fraudulently, there is little to no financial loss.

Controlled spending

Many consumers who qualify for traditional credit cards simply choose not to apply for any because they don’t want to get into debt. After all, when it comes to credit cards, there can sometimes be that temptation to buy certain things that you know deep down you can’t really afford or pay off anytime soon. If you don’t fully trust yourself with a traditional credit card, a prepaid card can be the ideal solution. Because you can only spend what you load onto the card, you’ll be less likely to overspend and more likely to stick to a budget.

No interest charges

It can be difficult to qualify for those low-interest credit card offers; you might need near-perfect credit in order to qualify. Interest can easily add hundreds—or even thousands—of dollars to your credit card transactions, and it’s these high APRs that make many consumers steer clear of credit cards altogether. But with prepaid cards, there aren’t any high interest rates to worry about—in fact, there is no interest imposed at all on prepaid cards.

No minimum payments

It’s all fun and games until your monthly credit card statement arrives. Even if you’ve used your credit card responsibly, for many people, having just one extra bill to worry about and another payment to make every month can cause a lot of financial stress. But that’s another advantage of loading money in advance onto your prepaid card—you already paid for your purchases, so there are no minimum required payments every month.

These are just some of the many benefits that prepaid cards can offer when compared to credit cards. If you’re ready to see why millions of other consumers in the United States prefer to use prepaid cards, learn more about our Visa® prepaid card program today.

Nothing above is meant to provide financial, tax, or legal advice. You should meet with appropriate professionals for such services.

 

The one way you can stay safe when shopping online

The ability to shop online is pretty amazing: with just a few clicks of the mouse, you can order all kinds of merchandise from just about anywhere in the world. You can order what you need on any device that has an Internet connection, at any time of the day—even in the middle of the night while you’re in your PJs. Another great thing about shopping online is that it can give you the opportunity to find an item that otherwise might have been impossible to find, and it can also make it easy to compare prices from different retailers and find the best deal out there. And shopping online means no driving, no sitting in traffic, and no dealing with crowds.

Secure payment on the screen.

The dangers of shopping online

While there is no denying that shopping online can be incredibly convenient, it also isn’t always as safe as shopping in an actual store. After all, when you shop online, you’re usually forced to use a debit card or credit card. Hackers can obtain this sensitive information, and security breaches do occur. If someone does get a hold of your information, they can make unauthorized charges that you might not even know about until the damage is done. You may be able to dispute these charges, but depending on what information was stolen from you and how many purchases were made, certain transactions might be irreversible.

Business people's working hand on calculator on calculating 

Fraudulent bank account activity

Many online shoppers won’t think twice about using their debit card to shop online, especially if they don’t have a traditional credit card. Whether they don’t want to open up a credit card because they worry about getting into debt, or they simply don’t qualify for a traditional credit card, using a debit card is often their only option. While shopping online with a credit card poses its own risks, using your debit card—a card that is linked directly to your bank account—can be much riskier. Once that money is gone, it can be difficult or impossible to recover, and that’s why it’s important to keep your bank account information safe when shopping online. Additionally, more and more online retailers are giving customers the option to pay for their purchases with their PayPal account. Although this is a convenient option, it can also be risky if your PayPal account is linked to your checking account.

Smiling Asian Woman Shopping Online

The option that can protect your finances

It may seem like there is always some risk involved when it comes to shopping online, but one way to ensure your financial information will always be kept safe is to use a prepaid card. Prepaid cards are very similar to traditional credit cards: they can be used anywhere major credit cards are accepted, but they don’t involve a credit line and you aren’t borrowing anything. They also aren’t linked to your checking account. Instead, you load money onto the card, and the amount of money you load becomes your available “credit.” Because you already preloaded money onto the card, you are spending money that is already yours and there is no need to pay it back.

Prepaid cards can make online shopping a breeze, and not to mention, completely safe. If you know you’re about to make a purchase online, you can preload your card in advance for the exact amount you know you’ll be spending. If your credit card information is compromised, a hacker won’t get very far because your prepaid card won’t have much (or any) money remaining on it.

Learn more about the Visa® prepaid cards that we offer, and open one today by visiting our prepaid cards page.

Nothing above is meant to provide financial, tax, or legal advice. You should meet with appropriate professionals for such services.