Online_Comparison_Shopping_At_Christmas

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					Online Comparison Shopping At Christmas

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767

Summary:
Credit can often be the first thing we think of at Christmas, whether
it’s taking out a personal loan, credit card or simply the extension of
an overdraft. However, saving money at Christmas isn’t just a matter of
searching for the best personal finance product. This article gives you a
few tips on how to make the most of the internet for your Christmas
shopping.

Tip number one: get your credit sorted first

Most of us will borrow money this Christmas – whether that’s th...


Keywords:
Christmas shopping, Christmas gifts, price comparison shopping, personal
finance, personal loans


Article Body:
Credit can often be the first thing we think of at Christmas, whether
it’s taking out a personal loan, credit card or simply the extension of
an overdraft. However, saving money at Christmas isn’t just a matter of
searching for the best personal finance product. This article gives you a
few tips on how to make the most of the internet for your Christmas
shopping.

Tip number one: get your credit sorted first

Most of us will borrow money this Christmas – whether that’s through a
personal loan, credit card or simply moving further into our overdraft.
However, as you may be aware – personal finance products vary enormously
and it’s worth making sure you have the best personal loan before you
start spending it, likewise when you conduct a credit card search, you
want to ensure that what you’ve offered is the best deal. Bear in mind
that even internet promotions bear geographical significance. For example
– if you live in the UK – the search term “Credit Card UK” is likely to
give a much more relevant result than simply “Credit Card”, which will
take your search out to global credit card sites – the same applies to a
personal loan search.

Tip number two:

Use the search engines and price comparison sites. Search engines can be
very helpful, but they function on technical sorting – rather than human
sorting. Sometimes websites such as moneynet.co.uk and lowermybills can
save you the time of sifting through lots of irrelevant sites – as they
have dedicated teams which comb the financial press and short list the
best consumer deals.
Tip number three:

Set yourself up with online bank accounts. There has been lots of press
about consumer concern of online security, yet the reality is that 1)
online security for shopping and banking is extremely robust and 2) your
money is as safe online as it is anywhere else – fraud exists at all
transaction points – not just those on the internet. Online bank accounts
can save you bank charges when you’re transferring money and you can
track your finances throughout the Christmas period, regardless of
whether the banks are open or not. With online banking, your finances are
accessible 24 hours a day, seven days a week.

Tip number four:

Make a list of what you intend to buy people and then conduct some price
comparison research online. Websites such as Kelkoo, Ciao and PriceRunner
can help you source the lowest price for what you’re looking for, but you
may find that some online retailers can beat their bricks and mortar
counterparts anyway. For example, Amazon and eBay have gained huge
popularity because they’re easy to buy from and they give significant
discounts over the High Street.

When you buy online – you also have more choice than what’s available in
your high street. Online specialists such as CCL - a computer specialist
( http://www.cclonline.com/ ), Stand & Deliver - audio visual furniture,
Crave – a maternity fashion site, The Christmas Hamper Store (
http://www.christmashamper.com/ ) and headSpun – an online music
merchandise store allow you shop for your entire family, without you
leaving the house. This saves you shoe leather, shopping queues, car park
fees, heavy bags and you don’t have to be sneaky about buying things when
the kids aren’t looking!

The diversity of online retail stores takes the emotional strain out of
Christmas shopping. Even traditional high-street favourites, such as H
Samuel, have their own online store, as traditional gifts such as watches
( http://www.hsamuel.co.uk/webstore/watches.do ) and collectibles remain
popular, despite the emergence of techno-gifts like the iPod or latest
Sony Ericsson multimedia mobile phone.

A lot of sites have very modest delivery charges and sometimes these are
waived completely under special conditions. In addition, providing you’re
not doing your online shopping on Christmas Eve – delivery services are
usually very quick. For example, Justtoys.com pledges to despatch toys on
the same day as the order, providing the order is placed before 3pm. This
site in particular has enjoyed the benefits of adults returning to their
youth, with increased sales of retro-toys such as the New Series Radio
Controlled Dalek.

If you have any concerns about (or problems with) an online retailer, the
vast majority have customer help lines – which are either free or charged
at local rate, or there is an e-mail address for sales queries. In
essence – online retailing has become so secure and sophisticated now,
why isn’t everyone doing their Christmas shopping online?
Credit information for Christmas:
http://www.moneynet.co.uk/personal-loan-guide/index.shtml

				
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