You may want to spend a lazy Sunday kicking back on the couch with a laptop resting on your stomach, searching and shopping online. But just know that there are better days to buy. The majority of retailers roll out discounts and special deals on Wednesdays, Thursdays and Fridays. One exception is airfare—a recent Air Travel Outlook Report from Expedia and the Airlines Reporting Corporation tracked average ticket prices and examined billions of data points to identify travel patterns, determining that it's cheapest to buy economy flights (both international and domestic) on Sunday and most expensive on Thursdays and Fridays.
When you're looking to buy a big-ticket electronic item, consider a “certified refurbished” product. Why? First off, we're talking about discounts of anywhere from 30% to 50% off name brands that never mark products down that low. This moniker doesn't mean “used,” but rather items that have been tested, restored and cleaned by professional refurbishers. Marketplaces like Back Market or Woot offer a collection of properly refurbished products from brands like Apple, Samsung, Microsoft and Sennheiser. Most products won't typically come with original accessories or packaging, but are still guaranteed to function like new.
Utilize Buy Now,
You've likely noticed it when considering a higher priced item online. Under that $400 price, it says something like, “Or four interest-free payments of $91.25 with Klarna.” Buy now, pay later services are becoming more and more popular because they easily let you break up payments on those expensive “investment pieces” into monthly or biweekly installments so you're not dropping a ton of cash at once. In fact, they grew 215% year over year in the first two months of 2021. Several companies (Klarna, Affirm, AfterPay, QuadPay) offer it. You sign up for an account, pass a “soft credit check” (it doesn't impact your overall score), and then you're free to make purchases. Just know that while some offer promotional interest-free installments, others offer varying interest rates, so make sure it's less than your credit card. Otherwise you're better off just charging it.