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How to save cash every time you shop

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We all love a bargain. But why should you save money only when the sales are on? Follow these simple steps every time you shop, and you need never pay full price again! Each step can be used alone, but if you use them together you can save several times over on each purchase you make.
What you'll need: 
A computer with an Internet connection
A credit or a debit card
1: 
Buy online. There was a time when shopping around for the best deal meant hours trudging the High Street. Not any more – the web makes it quick and easy to find the best deals around. And lower business costs mean many retailers can offer a better deal online than they can in-store. The savvy shopper knows that, and takes advantage by always shopping online.
2: 
Find the right product for you. Whatever you’re buying – whether it’s electronics, household goods, or a new car – you’ll often find there’s a huge choice of makes & models at very different prices. Choose the wrong one, and you could be paying more than you need to for gadgets & gizmos that you don’t need, or won’t use. Find the product that’s right for you by comparing products on consumer advice websites (such as Which.co.uk), and browse customer reviews at sites like Revoo.com to make sure you’re getting value for money.
3: 
Find the cheapest retailer. Prices for the same product can vary enormously between retailers. So once you’ve found the product you want to buy, use a price comparison website to make sure you don’t pay over the odds for it. Those sites will show you what price lots of different retailers are offering, so that you can find the cheapest. Try using a few different price comparison sites to get the widest possible list of retailers – just search online for “price comparison site”.
4: 
Get cashback from most online retailers. Lots of retailers – including the biggest High Street names in the UK – advertise online by paying commission when customers click through an ad and buy something. Commission can be a flat amount (often used when you sign up to things like a mobile phone contract) or a percentage of what you spend. Sites like Topcashback take advantage of that by claiming this commission from the retailer, and paying it over to you. It’s free to join, and they pay you 100% of the commission you earn. All you have to do is click through from their site to the retailer, and you can get cashback on everything you spend. It’s free money!
5: 
Use discount codes to get money off the purchase price. Most retailers offer a wide selection of discount codes and promotions that can save you money. Find the latest deals at voucher code sites, and use these codes to save money every time you shop. There’s plenty of sites around that provide this information – just search online for ‘discount vouchers’.
6: 
Use a cashback payment card to get a proportion of your spending back. You can earn more money when you pay for your purchase. Lots of credit cards offer cashback or other rewards (such as Airmiles) on everything you buy with that card. Putting all your spending onto a cashback credit card rather than a regular debit card can earn you a fortune. But this only works if you remember to pay off the card in full every month – otherwise, you’ll be paying more in interest than you earn in cashback. Search online for ‘cashback credit card’ to find the best deals.
7: 
Join loyalty schemes. Many big retailers offer loyalty schemes, such as the Nectar card or the Tesco Clubcard. Joining those schemes can earn you cash, discounts and other rewards from that retailer. So use your loyalty schemes whenever you shop, and make the money you spend work a little harder.
8: 
Refer your friends, to get even bigger rewards. Lots of retailers (as well as cashback sites), offer you cash or other rewards for referring friends to them. Take advantage of these schemes to save even more money when your friends sign up and start shopping.
Warnings: 
Be aware that loyalty schemes are often used to collect extensive data about your shoping habits. If you'd rather not let retailers know that much about you, you might want to think twice before signing up!
References: 

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