How to Make the Most Out of Shopping

Financial Wellness
3
min read

Shopping is a form of therapy for some. But for others, it’s more of a chore. Whichever side you’re on, remember that the goal is to shop in moderation.

Impulsive shopping is dangerous because it can make you lose control and go overboard. Being stingy, on the other hand, is also not advisable because it means depriving yourself of good-quality items that you can afford.

Life is more enjoyable when you’re able to buy what you need, get what you want and have extra savings.

Here’s how you can make that happen.

Do your research.


Whether you plan to shop online or on the high street, research is key. Think about the items you want to buy and compare prices from different stores.

Knowing what you need and want and where to find them will manage to save you loads of time.

It would be helpful to follow the official Instagram account of your fave stores or check out their official website. Make a list, filter through all the options and finalise your list.

This way, you can just add everything on the list to your basket and checkout if you’re shopping online. If you’re hitting the high street, just go to the stores where the items on your list can be found.

With Zilch, you can tap and pay anywhere, with thousands of online and high street stores to choose from. You can pay in 4 over 6 weeks or pay in 1 and get 5% cashback in Zilch Rewards, which you can use to discount future purchases.

Shop off season.


This applies to clothes, tech gadgets, appliances and furniture. During summer, coats and winterwear are usually on sale. And during winter, swimwear and barbecue grills are on sale. It’s also cheaper to buy digital devices a couple of months after they have been released.

This technique is super effective.

Not only will you be able to score big discounts and find hidden gems, but you’ll also be able to save a lot of money.

Managing your cashflow is easier when you pay with Zilch. And that’s because you can split your payments into 4 over 6 weeks, enabling you to monitor your spending patterns more efficiently.

Look out for deals.


This is the ultimate trick when shopping for groceries. It’s usually cheaper to buy items in bulk. And most supermarkets have bundles and deals, which is very helpful for those planning to prepare meals for the whole family.

Another tip is to opt for a generic brand rather than a name brand version of an item. They’re essentially the same. Name-brand items are more expensive because it costs more money to market these products.

Iceland has a lot of multi-buy deals to choose from. And when you use Zilch, you can pay 25% upfront and pay the next 3 instalments over 6 weeks, all with zero interest. You can pay in 1 go too for a chance to earn rewards.

Set a budget.


Calculate your expenses and subtract them from your income. From there, you can allocate an average amount for essential expenses. Then set aside a fixed amount for the things you want. Save the rest for emergencies and future investments.

Having a handy app like Zilch will help you monitor your money, manage your cashflow and split your payments into 4 over 6 weeks with 0% APR. Doesn’t this make your life a whole lot easier?

So follow these practical tips and let them be your guide. Together with Zilch, spending responsibly and monitoring your purchases will be a breeze. Happy shopping!

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