One Cent At A Time

A Personal finance blog for saving money and earning more and thus having a better life

New Age Impulse Buying – Buying Things Online

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Bloggers are always fed constantly with various survey reports and studies. being a personal finance bloggers, I do get daily dose of emails containing press releases and market trends. Last week I received an email from a well known market research firm, about the latest trend in consumer buying experience. It reported declining over the counter sell and increasing online sells over the Black Friday weekend.

Shopping Mall

Spending at physical stores declined by 2.9 percent compared to the same four-day period last year beginning with Thanksgiving day. Whereas Cyber Monday sales soared 21 percent over last year. Also, this year’s Cyber Monday was the biggest online shopping event to date.

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Does Buying in Bulk always save Money?

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Purchasing in bulk appears to be great. You get everything you desire and need and supposedly pay a lot less for them. Plus, you dont need to shop so often. This is great for those who hate shopping and love discounts. Yet, bulk buying has risks, as well. Therefore, it is time to learn about budgeting basics.

Buying in bulk

Many people believe that bulk buying is a great alternative to save money. While this seems a good way to avoid breaking the piggy bank, buying in bulk often costs individuals a lot more than they imagine.  It is not about purchasing more of a specific product to enjoy the bulk deal, but by purchasing and substituting a low-cost product. Purchasing in bulk is often known as something you do not require a lot of at a cost you cannot miss. This practice has become popular and quite widespread.

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20 Delay Gratification Techniques to Avoid Possible Debt

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“When people start buying things they don’t need, they soon need to start selling things they need.” – Warren Buffet

Borrowing had a charm before the recession, banks had money to lend you and you saw everything going up in prices. But, consumers have gotten a lot more frugal-minded now. It’s not enough anymore to find where to borrow money from when you need it, but people now realize it is also important to not spend money unnecessarily to avoid future debt.

How to avoid debt

How to avoid Debt

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How to shop at Garage Sales – A Guide to Garage Sale Shopping

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Long before programmers started coding applications like eBay or Craigslist, garage sales were the only tool of choice for the bargain hunters. If you have never been to a garage sale it might be due to some of the myths.

Have you ever purchased an used car? If you can buy a used car why can’t you buy other used things? I often go to garage sells to pickup treasures. Somebody’s junk can be others’ treasure.

I once tried setting up a side business of buying from garage sales and selling on eBay. I made decent money leveraging the price difference. I got my first video camera with the money I accumulated with week-end ventures. Pretty soon I did realize that the model is only sustainable if I did it full-time.

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How Payment Method Impacts Product Quality Choice

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The following is a guest post from David Rodwell, enjoy the post!

We like to think that we’re responsible and thorough consumers. When we get ready to make a major purchase, we consider all of the financing options, and choose the right one for the product. Yet, what you may not realize is that the method you use to pay for a given product may actually impact which product you choose.

That’s the conclusion of some recent research by Professor Promothesh Chatterjee of the University of Kansas and Professor Randall Rose of the University of South Carolina. Their recent paper suggests that the payment method consumers choose impacts just how they make their decisions.

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How Rampant is Impulse Buying, Infographics

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Impulse buying is a major weakness among us. When they contacted me for my willingness to have a info-graphic post, I wanted them to write on this topic. I have previously written about my old trusted method of controlling impulse buys.

Still at times both SMB and I make impulse purchases. The info-graphic shows the most rampant place where impulse buying happen is your grocery store. Yes, I also felt that way.

When we blog about impulse buying, we always talk (and probably think) about major purchases in malls that we make, usually the ones which cost more than a couple of $10 bills. But, even a $2 item can be purchased impulsively. Grocery stores advertise items on sale, you go to that grocers to take advantage of the on-sale items and you end up buying mark-up items as well.

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