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Women Shopping on Cyber Monday Black Friday is a great time to hit the stores and snag deals on items that typically break the bank, but as a shopper, you will have to fight through crowds of people who have the same wish list. Why do that when you can shop from the comfort of your home and snag great deals on Cyber Monday with ease?

Think you know how to make the most of your online shopping this Monday? Check out our tips and deals you should not pass up to get the most out of your shopping experience!

Cyber Monday Shopping Tips

Tip #1: Do your research. We suggest subscribing to a retailer’s email list so you can be the first to hear about offers and stay up-to-date on which items will be on sale (and when they will be on sale). You can also find exclusive deals by downloading the retailer’s app on your phone. Have too many stores to keep up with? RetailMeNot’s app and website gather thousands of retailer’s deals for you (in-store and online), and we found a great roundup of Cyber Monday deals from popular retailers at CyberMonday.com.

Tip #2: Know what you want. While browsing the internet for random items can be fun, if you go into Cyber Monday knowing exactly what you want it will be easier to find and compare prices to get the best deal possible.

Knowing exactly what you want to purchase will also help you shop early and checkout before the item is out of stock. Typically you will get the best deal on clothing and shoes, especially leather, on Cyber Monday.

Tip #3: Shop early and shop often. While knowing what you want to purchase is great, you have to be sure it is still available for you to buy. The best way to do this is to purchase it as soon as the deal goes live, which for most online retailers will be November 26, 2018 at 12:00 a.m.

Be on the lookout for retailers who advertise flash sales, which can happen any time on Monday for various items.

Tip #4: Set a budget. Once you open up a store’s website, your screen will be filled with offers you may think you “just have to buy”. Before even turning on your computer, phone, or tablet, figure out what items you want to buy and how much you are willing to spend.

By knowing what you want and setting a budget, you will have a successful Cyber Monday and not regret any impulse purchases.

Tip #5: Check policies. Be sure to check the retailer’s online return and/or exchange policy. If you can return to the store or returns are free, consider purchasing items in two sizes if you are unsure about the fit.

This will allow you to get the deal before the item goes out of stock if you happen to need another size. Also, while some retailers guarantee delivery before Christmas, others may not.

You should keep this in mind when purchasing presents for someone other than yourself. It is always a good idea to checkout shipping policies and rates. Some stores like Target or Walmart offer site-to-store, which can reduce your shipping costs or even make them free.

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Personal Finance Company, LLC, NMLS No. 123861 (www.nmlsconsumeraccess.com).
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

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Personal loans offered by Personal Finance Company, LLC are not available in all states. Loan terms are not guaranteed, and APR’s and terms vary based upon state laws and regulations but the APR will not exceed 35.99%. Various factors are taken into consideration when determining loan eligibility, which include, but are not limited to, credit history, loan amount, loan term, income, and debt. Loan closing is contingent upon submission of all required documentation and agreement to all terms and conditions of the loan agreement.

As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.63% and an interest rate of 28.94% which includes a finance charge of $3590.56. Under these terms, the borrower would make 48 monthly payments of $178.97, for a total of payments of $8,590.56. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.

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