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Personal Finance News. Tata Motors DVR. Market Watch. Pinterest Reddit. By Riju Mehta. Getty Images. Even as shoppers gear up to make the most of online sales, only a few will manage to grab good deals and maximise their savings. This is because sales do not always offer real rebates, or on products you really want to buy.

ET Wealth lists some ways to help you bag the best deals every time you shop online, not just during sales. Shop incognito Many websites offer dynamic pricing based on location, browsing history and past shopping. This means that the sites will recognise you as an old customer and prices will change accordingly, offering discounts and rewards only to new customers. There are, however, ways to overcome this.

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You can shop incognito by opening a private window, or by continuously clearing your browsing history and cookies. Another trick is to use multiple e-mail IDs or phones of different family members to avail of the 'first user' or 'new customer' discounts. How to open a private window Look for the settings icon at the top right corner of your browser, which may appear as three vertically aligned dots or bars, or a nut icon. These automatically scan for discounts and coupon codes and apply them just before you check out on e-commerce websites.

Some of these sites also offer price alerts and price comparison options. Here's how you can install an extension for Chrome. Install extension in chrome 1 Open the Chrome Web Store.

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To approve, click 'Add Extension'. As a rule of thumb, any financial goal, which is due in next 3 years should be termed as short term goal. Any longer duration goals are to be classified as long term goals. This bifurcation of goals into short term vs long term will help in choosing the right investment instrument to achieve them. More on this later when we talk about how to achieve financial goals.

The journey of setting financial goals is an individualistic affair i. A lot of times we get on the bandwagon of goal setting only to realize later on that it was not meant for us. It is important that your goals are actually your goals and not inspired by someone else.

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You will need to save enough; and invest those savings wisely so that they grow over a period of time to help you achieve goals. The first and the foremost thing to be done is to track your monthly expenses. Use any of the expense tracking mobile apps to record your expenses. Once you start doing it diligently, you would be surprised to see how small expenses add up to a sizeable amount.

Also categorize those expenses into different bucket so that you know which bucket is eating the most of your pay check.

This record keeping will pave the way for cutting down on un-wanted expenses and pump up your savings rate. Generally, savings come after all the expenses have been taken care of. This is a classical mistake which almost everyone of us do. We pay ourselves last! Ideally, this should be planned upside down. We should be paying ourselves first and then to the world i. The best way to actually implement is to put the savings on automatic mode i. Budgeting is the best to get around the uncertainty that financial plans always pose.

Decide in advance how spending has to be made. Nowadays, several money management apps and wallets can help you do this automatically.

How is DesiDime different from other Coupon & Deal websites?

Make use of technology solutions you like. Explore options and alternatives that let you make use of the available wallet options and choose the one that suits you the most. In time, you will get accustomed to making use of these solutions. You will find that they make it simpler for you to follow your plan, which would have been difficult otherwise.

Instead, start again. Remember that flexible plans are the most realistic plans. So go forward and try to follow your financial goals as planned but if for some reason, the plan gets out of hand for you, do not give up on it just yet. This has a lot to do with your psychology rather than any material commitment. All you have to do is to stay on the road and vow to stay on it, no matter how much you fall down.

In the book Nudge , authors Richard Thaler and Cass Sunstein advocate that in order to achieve any goal, it should be broken down into habits since habits are more intuitive for people to adapt to. It is updated daily, and you can search by the store or the brand for goods in different categories. The best part is that it also includes local coupons and promo codes for brick and mortar stores around you. It includes coupons and deals on things that you need to buy regularly, rather than concentrating on big ticket items like TVs and computers. You can get your deals either online or in some cases with a printable coupon that you can take to the store.

These discussions allow you to be among the first to discover deals and coupons before other listing sites get them.


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DealCatcher has a full complement of professional editors checking its deals all the time, though it has public input in the form of forums where you can find reviews and advice. Many of the deal sites listed above include deals that require you to enter a coupon code or print out coupons. There are many great coupon apps and websites that gather coupon codes from around the Internet, putting them together for you to try. The worst that can happen is they tell you that the coupon is not valid and then you get to try another one. Best of all, some coupon code sites actually get exclusive coupons from retailers, which will give you a discount that no one else has.

DontPayFull has tons of savings for a huge list of retailers. Coupons and codes are easy to find on the site.

Don't miss a single chance to save. Here are more discounts.

It also includes a stellar app iTunes — Android that you can customize to include your favorite stores, and find out what coupons they are giving on any particular day. One of the biggest and best coupon code sites is RetailMeNot.

It has more than half million offers from over 50, retailers and manufacturers. It also includes exclusive coupon codes, as mentioned above, specially negotiated through its partnerships. If you download its app iTunes — Android which is free, and allow it to track where you are, you can see what deals are available in shops near your location. Honey is a browser extension that we have talked about before.