Seven things you need to know be­fore start­ing your Christ­mas shop­ping

Costa Almería News - - Legal And Finance -

Some on­line stores of­fer free de­liv­ery for shop­pers who spend over a cer­tain amount when mak­ing a pur­chase. And while it may be con­sid­ered quite cheeky, a third of the shop­pers sur­veyed ad­mit­ted they will over­spend - know­ing they will later send some items back - just to qual­ify for free de­liv­ery.

Pa­tience can help cut de­liv­ery costs. Half (50%) of those sur­veyed would be will­ing to wait an ex­tra two to three days in ex­change for free de­liv­ery - while more than a quar­ter (28%) would wait four to five days longer.

6. Will your shop­ping spree put you in debt?

Make sure the thrill of a bar­gain doesn't lead to a debt hang­over. Set a bud­get, and if you're pay­ing by credit card, pay it off in full be­fore any charges ap­ply.

Keep track of your ac­count bal­ance - bust­ing an over­draft limit could also make a pur­chase very ex­pen­sive, once you fac­tor in those bank charges.

7. Cut the costs

Voucher and cash­back web­sites can help trim back costs. And if you don't mind risk­ing some­one else snap­ping it up, try leav­ing your item in your on­line shop­ping bas­ket and see if the store tries to nudge you by email­ing a dis­count code. It does hap­pen!

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