Shopping Smart: How to Find Deals and Discounts

At 1st Community Credit Union, we understand that shopping smart is key to managing your finances effectively. Whether you’re browsing online or walking the aisles of your favorite stores, finding the best deals can save you money and stretch your budget further. With our locations in Sparta, West Salem, and Tomah, we’re more than just a ‘credit union near me’—we’re your partner in financial well-being. In this blog, we’ll share practical tips to help you find the best deals and discounts, both online and in-store.

1. Start with a Plan
Before you start shopping, it’s crucial to have a plan. This means knowing what you need and setting a budget. Impulse buying is one of the quickest ways to overspend, so make a list of items you’re looking to purchase. Prioritize your needs over wants and stick to your list as closely as possible.

2. Sign Up for Newsletters and Rewards Programs
Many retailers offer exclusive deals and discounts to customers who sign up for their newsletters or join their rewards programs. These programs often provide early access to sales, special coupons, and points that can be redeemed for future purchases. While it might seem like a small step, these savings can add up over time. If you frequent certain stores, it’s worth signing up to take advantage of these perks.

3. Use Price Comparison Tools
With so many options available, it’s important to compare prices before making a purchase. Online tools and apps like Google Shopping, Honey, or CamelCamelCamel allow you to compare prices across multiple retailers. These tools can help you identify the best deals and even track price changes over time. By doing a quick price check, you can ensure you’re getting the best value for your money.

4. Look for Coupons and Promo Codes
Before you check out, whether online or in-store, take a moment to search for coupons and promo codes. Websites like RetailMeNot, Coupons.com, and Honey aggregate a wide range of discounts that you can apply at checkout. For in-store shopping, consider downloading apps like SnipSnap or using store-specific apps to find applicable coupons. Sometimes, simply searching “[store name] coupon” can yield significant savings.

5. Shop During Sales Events
Timing your purchases around sales events can lead to substantial savings. Major sales events like Black Friday, Cyber Monday, and back-to-school sales often feature deep discounts on a wide range of products. Additionally, many retailers have semi-annual or seasonal clearance sales where you can find great deals. By planning your purchases around these events, you can take advantage of the lowest prices of the year.

6. Use Cash-Back and Discount Apps
Cash-back apps like Rakuten, Ibotta, and Fetch Rewards offer a percentage of your purchase back in cash or gift cards when you shop through their platforms. These apps are easy to use and can be a great way to earn money back on your everyday purchases. Many credit unions, including a credit union near me like 1st Community, may also offer credit card rewards that can be redeemed for merchandise, travel, and more - so be sure to explore those options as well.

7. Shop at Discount Stores and Outlets
If you’re looking for brand-name items at a lower cost, consider shopping at discount stores and outlet malls. Stores like TJ Maxx, Marshalls, and Ross offer designer goods at a fraction of the retail price. Outlet malls are another great option, where you can find discounts on everything from clothing to home goods. Keep in mind that while these stores offer great deals, it’s still important to compare prices and make sure you’re truly getting the best value.

8. Take Advantage of Loyalty Programs
Loyalty programs offer rewards for repeat customers, such as discounts, points, or early access to sales. Many grocery stores, clothing retailers, and even restaurants have loyalty programs that provide significant savings over time. If you shop at certain stores frequently, joining their loyalty program can lead to big savings in the long run. Be sure to use any accumulated points or rewards before they expire.

9. Buy in Bulk When It Makes Sense
Buying in bulk can be a smart way to save money, especially on items you use regularly. Warehouse clubs like Costco and Sam’s Club offer bulk items at lower per-unit prices. However, it’s important to be strategic about what you buy in bulk. Stick to non-perishable items or products with a long shelf life, and always calculate the unit price to ensure you’re getting the best deal.

10. Consider Shopping Secondhand
Shopping secondhand is not only budget-friendly but also environmentally conscious. Thrift stores, consignment shops, and online marketplaces like eBay, Poshmark, and Facebook Marketplace offer gently used items at a fraction of their original cost. You can often find high-quality clothing, furniture, and electronics at a steep discount by shopping secondhand.

Your Partner in Financial Success
Shopping smart is all about being informed and strategic with your purchases. By following these tips, you can find great deals and discounts that help you stay within your budget. At 1st Community Credit Union, your trusted ‘credit union near me’ in Sparta, West Salem, and Tomah, we’re here to support your financial journey. Whether it’s through budgeting advice, financial products, or resources to help you save, we’re committed to helping you achieve your financial goals.