There are times when you don’t want to wait for a birthday gift, earned rewards, or sale offer in order to get a discount. Fortunately, you don’t have to wait! There are multiple ways to find discounts if you know where to look.

Tips to Help You Hold on to Your Money
Tips to Help You Hold on to Your Money

Keep more of your money in your wallet by following these tips and tricks to save big on your everyday purchases.

Clever Ways to Save Money on Purchases

Here are 6 creative ways that you can save money on most of your everyday purchases. Learn more below about these smart money-saving strategies!

Buy Discounted Gift Cards

There are many times when someone would prefer to trade their gift cards for some cold, hard cash. Fortunately, this means that there are opportunities where you can buy these great gift cards for a discount of 10% or more!

Everyday Saving with Discount Gift Cards
Everyday Saving with Discounted Gift Cards

The following websites are marketplaces for unused gift cards. They include a wide variety of stores, and have a selection of both physical gift cards that are mailed and electronic gift cards that you can use right away.

The next time you plan to make a purchase at a large store, check to see if you can save with a discounted gift card. There are hundreds of stores and restaurants to choose from including Lowe’s, Sephora, Target, Ulta Beauty, AMC Theatres, Kohl’s, Office Max, Tiffany & Co, and 100’s more! Note that you should always check the terms of each offer and make sure that you’ll be able to get your money’s worth!

PRO-TIP: You can also sell any of your unwanted gift cards on these sites!

Buy Coupons

Did you know that you can buy valuable coupons? These opportunities show up when certain groups receive valuable coupons that they are not planning to use. For example, Lowe’s and Home Depot often send coupons to people right after they move to a new address. As not everyone needs these coupons, they can end up on resale sites where they can be purchased for a small amount. If you are planning a big purchase, a 10% discount can easily be worth over $100, and very much worth the extra step of purchasing a coupon.

Try these sites to find coupons for sale:

Some of the coupons can be used immediatly online, while others you will have to receive in the mail. Make sure to understand what you are purchasing to avoid any unpleasant surprises!

Use Rebate Websites to Earn Cash Back

There are some websites that will reward you in the form of cash back on your purchases. Each of these sites uses it’s own system that you will need to learn to navigate, but if you find one that you like, you can potentially earn a good amount of cash back!

Use Store-branded Credit Cards

This method is not for everyone and should be carefully evaluated before you sign up.

Cash and Cards in Wallet
Cash and Cards in Wallet

At places where you already spend a significant amount of money, signing up for a store-branded credit card can be a smart-money move — if you use it responsibly. There are strong pros & cons for these types of credit cards. Take both sides of these offers into account when deciding if they make sense for your family.

PROS
  • earn points, discounts, & bonus gifts
  • ongoing discounts or cash-back on all purchases
  • introductory low or no-interest teaser rates
  • qualifying for the card may be easier than a standard VISA / MASTERCARD and can help to build credit history
  • extra perks and rewards at store may include
    • free shipping
    • extra days for returns
    • free alterations
    • returns with no receipt
    • birthday gifts
CONS
  • much higher than average interest rates
  • low credit limits
  • too many credit accounts may hurt credit scores / credit ratings
  • your total spend / purchasing may be increased when discounts are offered
  • limited card acceptability (often can only be used at single store)
  • you are likely to comparison shop less if you are loyal to one store

If you decide that you do want to sign up for these store-brand credit cards, you can find them from most big brands. I have had a few over the years, making sure to only keep the ones that provide hefty benefits for being a card-member. Here are a few worth considering for their benefits:

  • Amazon Visa Card (5% credit back on every statement)
  • IHG Mastercard (annual fee, but includes automatic platinum status at hotels worldwide and a free hotel night voucher)
  • Delta Air Lines American Express Card (annual fee, but includes companion ticket voucher and priority boarding)

Comparison Shopping & Price Matching

Sometimes you may enjoy the convenience, loyalty program, or return policy of a store — even when they don’t have the lowest price. In these cases, you may be able to get the lower price of the competitor’s store if your preferred store offers price matching!

Coins Adding Calculated Savings
Adding Up Savings

Here are 27 examples of stores who offer price matching / price adjustments for up to 30 days after you make your purchase!

  1. Abt offers price matching within 30 days of purchase
  2. Academy Sports + Outdoors will beat the lower price by 5% up to 14 days after purchase
  3. Advance Auto Parts matches prices of printed ads or online retailers at time of purchase
  4. Bed Bath & Beyond matches prices for in-stock items up to 14 days after purchase
  5. Bass Pro Shops / Cabela’s matches prices for identical items at time of purchase
  6. Best Buy matches prices at select retailers including Amazon
  7. Dell matches prices from select websites
  8. Dick’s Sporting Goods matches prices for in-stock items up to 14 days after purchase
  9. Dyson 30 day price match promise
  10. Fry’s Electronics 30 day price match promise to refund 110% of the price difference
  11. GNC matches prices of printed ads or online retailers at time of purchase
  12. Home Depot matches prices of printed ads or online retailers at time of purchase
  13. HP matches prices of printed ads or online retailers during return and exchange window
  14. JC Penney will beat the lower price by 5% up to 14 days after purchase
  15. Kohl’s matches prices for identical items at time of purchase
  16. Lord & Taylor matches prices at time of purchase and offers price adjusments on permanently marked down items for up to 7 days after purchase
  17. Lowe’s matches prices for in-stock items up to 30 days after purchase
  18. Michael’s 7 day price match promise to refund 110% of the price difference
  19. Nordstrom matches prices at time of purchase or will grant price adjustment on their own items for up to 14 days after purchase
  20. Office Depot matches prices for in-stock items up to 14 days after purchase
  21. PC Richard & Son matches prices for identical items up to 30 days after purchase
  22. PetCo matches prices for identical items at time of purchase
  23. PetSmart matches prices for identical items at time of purchase
  24. Sears matches prices for identical items at time of purchase
  25. Sur La Table matches prices for identical items at time of purchase
  26. Target matches prices for in-stock items up to 14 days after purchase
  27. Walmart matches prices for in-stock items from select stores

Please note that there may be exclusions to the policies listed above. Check the retailer’s website for full price-matching details.

Enjoy Benefits of Personal Status

Additionally, see other BestRewardsPrograms.com posts to learn how to enjoy even more benefits as a senior citizen, student, or member of the military.

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What do you think of these discount programs? Share your thoughts in the comments below.