Windinyoursales
Parka, Primark, £40 BEFORE you start shelling out, pause and consider whether you could be a little more savvy with your cash. Here are seven things you need to know before starting your Christmas shopping... Is the item you’re after cheaper than it would be at another time of year? Do some homework now, when you’re under less pressure to have Christmas wrapped up. Swot up on your consumer rights. While there are general rules, it’s worth asking stores about Indigo jeans, Topshop, £40 their individual policies when it comes to “goodwill” returns. Consumer group Which? explain that under section 75 of the Consumer Credit Act, your credit card company are jointly liable if something goes wrong with a product or a service you’ve paid for with that card.
If you’ve spent more than £100 and less than £30,000, you can claim if something goes wrong. CHECK THE WEBSITE YOU’RE BUYING FROM IS GENUINE Myles Dawson, UK country manager at Adyen, who process payments, said with many limited-period deals, shoppers may let their guard down. “Checking your emails is also crucial. Fraudsters are becoming increasingly sophisticated at mimicking legitimate retailers. “ Two-thirds of shoppers say they would not buy online if delivery costs are too high, according to a survey by delivery management company Whistl. Some online stores offer free delivery if you spend over a certain amount. 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. Voucher and cashback websites can help trim costs. Also, try leaving your item in your online shopping basket and see if the store email a discount code.