Being selective today has become a difficult task. Clothing, materials, food, seasonal or not, have created diversity in our lives helping us to become unique through the choices we make, to individualize with those around us and to define ourselves as individuals with unique personalities. But how do we manage our own budget in these situations that constantly urge choice and decisions? Well, here should come the education of each of us, the sense of responsibility, the sustainable and sustainable thinking about our own finances, the environment Ask venue and so on.
However, do these remarks remain in our thoughts every time we go shopping? Economic history and climate threats prove us wrong, but time is not wasted. In the following we will detail some tips for shopping with your head , both for parents, grandparents, housewives and busy business people, who do not have time to calculate decisions based on these criteria.
- Turn shopping into a successful experience – set a time frame and a day of the week to go shopping ( and don’t forget the shopping list !), Preferably the one where the store offers the most discounts. Avoid buying foods that look like in the pictures but are odorless and tasteless. Choose fresh food, but at a discount (you will see that they can reach half the real price) and store them carefully in the refrigerator and pantry so that they last until they are consumed. Otherwise, it will cost you more time, due to the treatments caused by consuming unhealthy products on the body!
- Prepare a budget – each correct decision will be influenced by the established budget which is in accordance with the indispensable shopping list. Studies show that shopping with a list and paying in cash , contributes to reducing expenses and protecting their finances, by anchoring the customer in reality;
- Unconventional, but useful for beginners – check the garbage bag before throwing it away. Among the used eggshells, packaging and boxes, you will surely notice and preserve the appetite, but which you knew you would never open. This will remind you of what you are actually consuming;
- Try to look more than touch – studies have shown that once you have touched and picked up a product, the chances of buying it increase, when your intention was just to see what is written on the label. In these scenarios, our minds believe that we are already the owners of the good!
- Be flexible – and the products on the shelves below are just as good and at a much lower price. Each store has its own strategy to attract customers and facilitate the purchase of products, so that those with medium and high prices will always be found at eye and hand level to be easy to notice;
- Try similar brands : even if we are familiar with certain products due to advertisements, many companies have made similar products at a reasonable price, offering the same quality;
- Buy whole products and less those already processed – the reason is clear: healthier, more and cheaper.
- And online shopping is an option – as long as you’re in control. But try not to invest much in online products because you never know what you will receive on delivery, but thus save time and money. Choose clothes made of materials that are resistant to washing and do not damage the skin; for example cotton t-shirts that can be worn in both hot and frosty periods. In the case of gifts, friends will always appreciate the goods they can actually use and not those that just look nice.
- Quality also determines the longevity of goods : for high quality clothing it is recommended to make investments because you will save money in the long run, due to the fabric and construction. Remember: expensive does not mean quality! And to simplify the procedure, in all situations ask the question: will I ever wear something like that?
It is easy to assume that a high price also means a quality product, but experience has shown us that this is not always the case. Keep your mind open and do your own research because the battle is between quality and price. Be a conscious buyer and teach those close to you to do the same. You will save or have! The law of cause and effect also applies to shopping. Every investment is a long-term choice that can affect our health, our own budget and the world around us.…
Today, it is easier than ever to enjoy in the comfort of our own home what the outside world has to offer. We can watch our favorite movies, we can make our weekly supply installed comfortably on the couch and we can order dinner at our favorite restaurant, which delivers it directly to our door.
As we pay more and more goods and services online, we want to make sure we do it safely. Visa and partner banks work closely together to ensure the security of payments, using multiple levels of security to prevent fraud, protect the cardholder’s data and help them recover their money if someone uses their card without their permission.
Here are some tips from VISA for safe online shopping:
Use a secure, fast and easy way to identify yourself: Under the new European regulations, banks will start asking for more credentials when we pay online, to ensure that payment is made by the cardholder and not by a criminal. . If you have this option, set biometric authentication methods, such as fingerprinting or facial recognition, on your phones and in banking applications. They offer fast authentication and improve the payment experience.
Search for “s” : when paying online, check the URL to make sure it starts with “https: //”. “s” at the end indicates a secure connection.
Activate alerts – activating the alert service provided by your card issuer will help you see every time a payment is made from your account. Report to your card issuer if you notice any unusual payments that you do not think you have made. The regulations in force can help you recover your money if someone else fraudulently used your card.
Familiarize yourself with how to contest card transactions– This is a way for your bank to recover money from a merchant’s bank when you do not receive the goods or services you paid for online with your Visa card, including if a merchant ceases business. Some examples to better understand when a card transaction can be challenged: if a flight you paid for with a Visa card was canceled because the airline can no longer provide the service and will not propose an alternative solution for the future. or if the T-shirt you ordered is too small and the store does not want to receive it back. If you have not been successful in direct discussions with the merchant, or the tour operator or the insurance does not offer you alternative solutions for the respective plane ticket, you can try to ask your bank to recover the money through the option to contest the respective transaction. It is good to know that this facility exists, and Visa card issuers have all the information to make the correct assessment of specific situations.
Beware of phishing attempts – Beware of unsolicited and suspicious emails or phone calls. Their senders may try to steal personal information, such as your account or card number, username, passwords, etc. If you have suspicions, do not click on links and do not download files.