Online holiday shopping for the Cyber Monday bargain hunter by Mary Hunt

 

I guess you might say I know a thing or two about bargain shopping. I’m good at it. So good, I bargain-shopped myself into a horrible mess—with a life-ruining load of credit-card debt to prove it! The experience of paying back every dime taught me a lot about myself.

I need limits. I have to set a limit for how much I will spend for Christmas. And then I have to parent myself to make sure I stay within that set amount no matter what.

I am not good in a mall. It’s not just the time it takes to get there and find a parking place—it’s the lines and the crowds and so many options that I can reach out and touch. I love the mall as a place to enjoy the sights and sounds of Christmas. But to shop? Not me. I’ve found a better way.

Online shopping is for me. I can get online any time day or night, I don’t have the drive, parking, pressures or tempting opportunities to careen off my shopping plan. Surprisingly, I am not impulsive when I shop online. I’m very cautious, taking all the time I need to think, drink coffee, compare, walk around, calculate and even change my mind.

The big challenge with online shopping is payment. It’s dangerous to use a debit card online, so I use a credit card. But I record each transaction in my check book just as if I’d paid with a check. That way, the money is deducted from my balance and set aside so I can pay in full when the credit card statement arrives.

I’ve tried going from one site to another to compare prices and shipping costs, but that’s a huge hassle. I’d rather let Bing shopping do all the work for me. I use the search feature and Bing shows me a list of retailers with that product, price, plus information on shipping costs. I compare and decide. Then, Bing takes me right to the retailer I choose to complete the purchase. Here’s the best part: I get money back on Bing cashback purchases. I am not kidding. Bing’s more than 1,000 retailers (including Target, Walmart and Macy’s) give me from 3% to 20% of my purchase back in cash, right into my Bing cashback account.

Right now, Bing customers can earn up to 35% cash back on their purchases from some of the Bing retailers during the Bing cashback Holiday Gold Rush promotion.

Guess what I’m doing today?

Mary Hunt – Personal Finance Expert and author of Debt Proof Living

Other posts of interest:

Are you seeing gold yet?!

A little holiday spending money…a little trivia…

Making a List and Checking it Twice

Bing cashback 101

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3 comments
  1. dan.browne

    thanks for the tips Mary… is the Bing cashback Holiday Gold Rush promotion also running with UK retailers?

  2. wallace0530

    This is great news. Best of luck for the future and keep up the good work.

  3. jpadt1

    Mary,

    I would contain your excitement as the program does not appear to be working. I am waiting a week for my cashback pending on a DELL purchase. I have provided support and proof twice but no response! Careful what you are endorsing.

    John

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