Make The Most Of November Shopping Without The Stress

November is a huge month for shopping, with 3 major global events happening: Singles Day, Black Friday and Cyber Monday.

With so many deals, offers, special hour sales and various other discounts out there, shopping can get confusing and overwhelming. But it doesn’t have to be that way, as long as you stick to these basic tips:

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1.    Plan, plan, plan

This is the first and most important step you can do to avoid any regrets.

Make a list and ask yourself: what do I really need?

Research the product(s) you are interested in. It’s a good idea to also look at consumer ratings to make sure what you plan on buying has received positive feedback.

Compare deals at various stores to get the best bang for your buck. And if you’re shopping online, wishlist the item(s) you intend to purchase for faster checkout. 

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2.    Make a budget (and stick to it!)

With so many discounts available, it’s easy to fall into the trap of buying stuff just because it’s on sale.

This is why a budget is absolutely necessary to help keep your shopping under control, regardless if you are planning on buying just one item or many. 

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3.    Look for cashback options

If you are shopping online, get even more savings by shopping through a cashback site like ShopBack, which rewards you for spending money by giving you money! 

Instead of going directly to a retailer’s website, simply sign up for a free membership with the cashback site of your choice, and use it as your shopping portal. From there, click on the link that will take you to your preferred retailer’s site and complete your shopping as usual. After the cashback site verifies your transaction, a percentage of what you spent will be returned to you, based on the amount of your purchase and the cashback offer at that time.

Some retailers also provide cashback or additional discounts if you shop directly through their website or mobile app. 

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4.    Beware of scams

Online scams plague the Internet all year long, but big shopping events such as the ones in November are particularly appealing for hackers and scammers, given the surge in shoppers.

Stay safe while you shop. Never give out your credit card or login details, be wary of unsolicited emails, and think twice before clicking on 'too good to be true' offers on social media sites. 

As you decide on the items you want to get, you may want to also include life insurance in your shopping list, if you have yet to own a policy. 

Consider Gibraltar BSN’s i-Care, a term life plan that offers protection for you and your loved ones from as low as RM9.75 a month. Now that’s an amazing deal for a life insurance plan! Wait no more and visit our website to learn more about Gibraltar BSN’s i-Care.

However, if you already have a life insurance policy, then now is a good time to have it reviewed. Insurance isn’t something you purchase once and then forget about, because your circumstances change as the years go by, and it is important that your policy reflects these changes. As we are nearing the end of 2020, now is the perfect time to have another look at your policy to determine if it is still appropriate for your current situation.