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Do you ever find yourself shopping around for something because pricing is so important to you? Well, I do it all the time. Now I wouldn’t call myself a shop-aholic, but I do like to shop. But, I’m frugal. Not cheap…frugal. There is a difference. I want the best bang for my buck without skimping on quality. So it’s not so much that cost is a factor but it does play a part. I’m sure others out there feel the same. Just because it costs a lot does not mean that it is of great quality and should get your money. So shopping around it is. Buuuuut, what if there was a way to get the best bang for your buck that you are missing out on? I know you are asking “Okay Nique, How do I maximize my spending?” Glad you asked. Keep reading…
If you are like me (I’m sure many of you shoppers are), you want as much as possible for your money. Like I can spot a bogo sign a mile away and determine if the bogo is worth my money without stepping foot in the store. YEP. I goes hard. My sister loves to consult with me on pricing before she pays. It always cracks me up. Yet I have gotten to a place now where I want more for my money. And I do mean MORE. I want my spending to be the gift that keeps on giving. So here are a few ways that I’ve learned to maximize my spending.
1) Perks– OMG. Can I tell you how life is on another level for me right now. Perks are where it is at. Of course you have to spend something to get something. That will probably always be the case with spending, buuuuut it’s what you get back that usually determines where you spend. For instance I just recently discovered IHG Rewards. For those who knew about this and didn’t tell me. Shame on you. IHG Rewards is a point system for a hotels group. Now before you are like I don’t travel enough to stay in hotels bla bla bla…pump your breaks. How many of you eat out? Go on raise your hand. What if you could get points to travel by eating out? YEP, that is a part of the IHG Rewards Club. I love eating. Eating out is just a plus. But nooooow…I’m so focused on the points I get, that where I eat is a factor to my spending. Sounds good doesn’t it? These types of perks are all over the place. You just have to seek them out. Like I love Sephora, so of course I am a card-carrying beauty insider racking up on points for free stuff. Everytime I go in there the sales associate tries to get me to use my points because I have so many. NOPE. I think one day I’m just going to clean them out of the free stuff as a shopping experience. LOL. (jokes, maybe). A lot of food places have loyalty cards. Get you one. They are free. If you eat there a lot you will rack up for free stuff in no time. Like I do at Starbucks. I think I need rehab.
2) Cash Back– If you have a credit card I hope you have one that gives you cash back. If not…you just left money on the table. You just spent your money and got nothing in return. Go upgrade yourself immediately. I happen to be fortunate that my bank card also does cash back on my purchases. Woop Woop shout out to my bank! Every month there are a list of places that if I shop there I get a percentage back on what I spend. I always go into my account and just click on all the offers because you never know. Guess what I’m usually surprised with…a CASH deposit that I wasn’t expecting. Go me! Go me! Go me! Do a little research. You might surprise yourself with what your bank and credit card company offer for cash back.
3) Discounts– Now this is not your ordinary discount. Yes it’s nice to go in a store and they are having a sale. Ha! But we are not ordinary shoppers right? We are EXTRAordinary shoppers. We know how to get the most out of a discount and layer our bags with purchases. Buuuut, usually these kinds of discounts come with membership fees. I told you, you have to give something to get something. Barnes and Noble is my spot. It is one of my most favorite places on earth (next to Michaels and AC Moore). But anywho. My Barnes and Noble membership gives me a percentage off every time I shop + coupons. Whaaaaaat! How about someone recently told me about a bookstore that gives you a percentage back on your purchases in store credit. Yes you have to be a member but whaaaaaaaaaaaat. I’m about to have credit out the wazooo (as soon as I join). Another great way to receive discounts is store credit cards. Now I am not promoting debt, but have you noticed that most stores with credit cards have different pricing for their card holders? Perfect example of this is Macy’s. Macy’s always gives an extra percentage off for its card holders. It’s like an exclusive discount club. Are you a member?
Out of these three maximizing options, I love all of them equally. LOL! All three present something different, which is great for my spending habits. You may find that only one of these options work for you. That’s okay. I just know between the perks, cash back, and discounts I will be looking at my wallet with glee.