🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 93 (from laksa124)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa093.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/learning-center/smart-money/online-shopping-tips\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/learning-center/smart-money/online-shopping-tips\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.fidelity.com\/learning-center\/smart-money\/online-shopping-tips","crawl_time":1775734751,"first_indexed_time":1657659661,"http_code":200,"src_unparsed":"com,fidelity!www,\/learning-center\/smart-money\/online-shopping-tips s443","src_root_hash":"17952695050214760493","history_drop_reason":null,"meta_title":"10 online shopping tips to help you save money | Fidelity","meta_descriptions":["Inflation plus sneaky tricks make us spend more when we're buying stuff online. Here's how not to do that."],"attrs_boilerpipe_text":"10 ways to spend less when shopping online\nGet what you need without overpaying—or being tricked into overbuying.\nKey takeaways\nRetail sites have features that entice you to buy more than you need, but savvy shopping can help you stick to a budget.\nThese tips and habits—including staying focused, carefully timing purchases, and factoring in extra fees—could help you save.\nOnline shopping offers an almost magical level of convenience. Just grab your phone, tap a few buttons, and within a couple days (or hours) a package arrives at your door. But it's all too easy to rack up a credit card bill higher than the stack of cardboard boxes in the recycling bin. If you feel like you're spending more money online, you're not alone. Americans spent a record $1.2 trillion online in 2024, accounting for nearly one-quarter of all retail sales.\n1\nStill, we may think the best deals are online. After all, the early days of dynamic pricing—retail sites price-matching competitors or making frequent price changes based on demand—did result in lower prices.\n2\nBut price fluctuations can now hurt buyers. Prices are numbers we simply don't \"know\" anymore (except for maybe a gallon of gas). While grocery shoppers 15 years ago probably knew a gallon of milk should cost about $2.50, many of us today can't ballpark what our frequent purchases should cost. And that can be a big problem for any budget when a purchase is just a couple clicks away.\nTo learn how you can shop online without busting your money goals, check out these 10 tips.\n1. Stay focused on your needs\nOnline sellers want you to pay before you have a chance to think about it, so they make the experience seamless and enjoyable, with beautiful graphics, flashy sale banners, and one-click-to-buy features. Just as you might go into a store with a list in hand to avoid browsing, keep a visual cue close by of what you're planning to purchase—try a sticky note on your computer or phone. And remember to H.A.L.T.: Don't buy something if you're hungry, angry, lonely, or tired to avoid impulse purchases you might regret.\n2. Treat your credit card like real money—because it is\nBuying things can make us happy, and spending with a credit card can make us happier, thanks to the rush of dopamine our brains get when we pay for something.\n3\n Buying online heightens the sense of distance from the purchase, making you feel like you're not spending \"real money.\" To make sure you're not going off the rails, schedule a weekly reminder to check your credit balance, or better yet, transfer funds to pay it off. This trains your brain to treat it more like cold, hard cash, while still allowing you to gain points. Bonus: Paying off your balance won't hurt your credit score and could even protect it from dropping by \nkeeping your credit utilization low\n.\n3. Compare prices before you buy\nOnline shopping has eliminated \"menu costs,\" aka paying to physically change prices, as restaurants do when they need to reprint updated menus. As much as prices yo-yo and don't stick in your brain, you can still trust your gut if a price seems high. Plug the item into your search engine to find out if there's a better deal elsewhere, so you know you’re paying the least possible amount.\n4. Use a (free) coupon browser extension wisely\nYou can add an extension to your browser that automatically scans for promo codes or discounts on the items you're shopping for.\n4\nUnlike other pop-ups, these extensions only apply to what you're already looking at (though they may also collect search data while you shop). But the \"more you buy, the more you save\" mentality—think: free shipping for orders over $50 or 20% off $100, 30% off $150—often leads to overspending. If you don't really need something (or it's out of your price range), don't let a coupon or buy-more discount convince you otherwise. Be especially wary of click-to-apply coupons, which have been shown to trigger a greater sense of reward—and entice you to buy more.\n5\n5. If you don't need it immediately, wait\nOnline sellers will try to boost urgency with countdown clocks, timed carts, and warnings of limited availability (some true, others maybe not). But if you're logged in to a site and add something to your cart without checking out, the store might email you a discount to encourage you to finish your purchase. If they don't and you forget, then you probably didn't need the item to begin with.\n6. Unsubscribe from mailings that send you ads\nYou entered your email to get that sweet 10% off your first purchase, and now you get daily reminders to come back and discover what's new. Even if you delete most without opening, the few times your curiosity gets the better of you can cost you. The next time you open an email like that, remove your address from the mailing list by unsubscribing, usually at the bottom of the message. Out of sight, out of mind. You get blasted with enough ads already, so saving yourself from having to resist is a smart money move in itself.\n7. Avoid \"buy now, pay later\"\nPoint-of-sale loans that let you pay in 4 installments with only a quarter of the cost upfront—what's not to love? Sky-high interest rates and fees up to 25% of the original price if you miss a payment, that's what.\n6\nUnfortunately, you might miscalculate your ability to make the later payments, even if the first one seemed like a breeze.\n8. Know the best time to buy, especially for big purchases\nIf you're thinking about getting new furniture or appliances, try to wait for the next holiday weekend. Retailers work extra hard on your days off, offering steep discounts during President's Day, Fourth of July, and Labor Day. If your patio chairs are on their wobbly last legs, decide if you can hold out until fall. With end-of-season and off-season sales, you could snag serious deals on outdoor gear, furniture, and clothes.\n9. Buy groceries IRL to avoid high fees\nGrocery delivery might seem wise because you won't be tempted to add unnecessary items to your cart as you walk through the aisles. But grocery-delivery apps and services upcharge many items and tack on a delivery fee. Add the tip for your shopper or driver, and in some cases a membership fee, and your final bill could be much higher than the actual value of the groceries for smaller orders in particular.\n7\n10. Consider buying used\nScoring a steep discount doesn't have to cost you an entire afternoon rifling through racks at a thrift shop. Major stores are buying back their brands' clothes and other items from previous buyers and then reselling them for less to people willing to buy used goods.\n8\nThe stores get thrifty, environmentally conscious shoppers, and you get formerly higher-priced goods at more-affordable prices.","attrs_markdown":"[Skip to main content](https:\/\/www.fidelity.com\/learning-center\/smart-money\/online-shopping-tips#navSkipToContent)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - [Portfolio](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page?AuthRedUrl=https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/summary)\n  - [Account Positions](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/positions)\n  - [Trade](https:\/\/digital.fidelity.com\/ftgw\/digital\/trade-equity\/index\/orderEntry)\n  - [Fidelity Trader+ Web](https:\/\/digital.fidelity.com\/ftgw\/digital\/trader-dashboard)\n  - 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[Saving for retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/saving-for-retirement \"Saving for retirement\")\n    - [Working and income](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/working-and-income \"Working and income\")\n    - [Managing health care](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-health-care \"Managing health care\")\n    - [Talking to family about money](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/talking-to-family-about-money \"Talking to family about money\")\n    - [Personal finance for students](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/personal-finance-for-students \"Personal finance for students\")\n    - [Managing taxes](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-taxes\/managing-taxes \"Managing taxes\")\n    - [Managing estate planning](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-estate-planning \"Managing estate planning\")\n    - [Making charitable donations](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/charitable-giving\/making-charitable-donations \"Making charitable donations\")\n  - Life events\n    - [Changing jobs](https:\/\/www.fidelity.com\/learning-center\/life-events\/career-planning \"Changing jobs\")\n    - [Planning for college](https:\/\/www.fidelity.com\/learning-center\/life-events\/prepare-for-college \"Planning for college\")\n    - [Getting divorced](https:\/\/www.fidelity.com\/learning-center\/life-events\/getting-divorced \"Getting divorced\")\n    - [Becoming a parent](https:\/\/www.fidelity.com\/learning-center\/life-events\/parenting \"Becoming a parent\")\n    - [Caring for aging loved ones](https:\/\/www.fidelity.com\/learning-center\/life-events\/caring-for-the-aging \"Caring for aging loved ones\")\n    - [Marriage and partnering](https:\/\/www.fidelity.com\/learning-center\/life-events\/marriage \"Marriage and partnering\")\n    - [Buying or selling a house](https:\/\/www.fidelity.com\/learning-center\/life-events\/selling-and-buying-house \"Buying or selling a house\")\n    - [Retiring](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/planning-your-retirement \"Retiring\")\n    - [Losing a loved one](https:\/\/www.fidelity.com\/learning-center\/life-events\/loss-of-loved-one \"Losing a loved one\")\n    - [Making a major purchase](https:\/\/www.fidelity.com\/learning-center\/life-events\/major-purchase \"Making a major purchase&#9;\")\n    - [Experiencing illness or injury](https:\/\/www.fidelity.com\/learning-center\/life-events\/injury-and-illness \"Experiencing illness or injury\")\n    - [Disabilities and special needs](https:\/\/www.fidelity.com\/learning-center\/life-events\/disabilities-and-special-needs \"Disabilities and special needs\")\n    - [Aging well](https:\/\/www.fidelity.com\/learning-center\/life-events\/aging-well \"Aging well\")\n    - [Becoming self-employed](https:\/\/www.fidelity.com\/learning-center\/life-events\/how-to-become-self-employed \"Becoming self-employed\")\n  - Investing and trading\n    - [Investing for beginners](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-beginners \"Investing for beginners\")\n    - [Trading for beginners](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/trading-for-beginners \"Trading for beginners\")\n    - [Crypto basics](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/crypto\/crypto-for-beginners \"Crypto basics\")\n    - [Crypto: Beyond the basics](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/crypto\/crypto-advanced \"Crypto: Beyond the basics\")\n    - [Alternative investing](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/alternative-investing \"Alternative investing\")\n    - [Exploring stocks and sectors](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/finding-stocks-and-sector-ideas \"Exploring stocks and sectors\")\n    - [Investing for income](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-income \"Investing for income\")\n    - [Analyzing stock fundamentals](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/fundamental-analysis\/analyzing-stock-fundamentals \"Analyzing stock fundamentals\")\n    - [Using technical analysis](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/technical-analysis\/using-technical-analysis \"Using technical analysis\")\n  - Investment products\n    - [ETFs](https:\/\/www.fidelity.com\/learning-center\/investment-products\/etf\/etfs \"ETFs\")\n    - [Mutual funds](https:\/\/www.fidelity.com\/learning-center\/investment-products\/mutual-funds\/mutual-funds \"Mutual funds \")\n    - [Stocks](https:\/\/www.fidelity.com\/learning-center\/investment-products\/stocks\/stocks \"Stocks\")\n    - [Fixed income, bonds, CDs](https:\/\/www.fidelity.com\/learning-center\/investment-products\/fixed-income-bonds\/fixed-income-bonds-cds \"Fixed income, bonds, CDs\")\n    - [Annuities](https:\/\/www.fidelity.com\/learning-center\/investment-products\/annuities \"Annuities\")\n    - [Closed-end funds](https:\/\/www.fidelity.com\/learning-center\/investment-products\/closed-end-funds\/closed-end-funds \"Closed-end funds\")\n  - Advanced trading\n    - [Using margin](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/using-margin \"Using margin\")\n    - [Options trading basics](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options-for-beginners \"Options trading basics\")\n    - [Options: Beyond the basics](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options \"Options: Beyond the basics\")\n    - [Advanced trading strategies](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/more-trading-strategies \"Advanced trading strategies\")\n    - [Using Fidelity Trader+](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/trading-platforms\/using-trader-plus \"Using Fidelity Trader+\")\n    - [Options Strategy Guide](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options-strategy-guide\/overview \"Options Strategy Guide\")\n    - [Technical Indicator Guide](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/technical-analysis\/technical-indicator-guide\/overview \"Technical Indicator Guide\")\n  - [Latest Market Insights](https:\/\/www.fidelity.com\/viewpoints\/market-and-economic-insights\/market-volatility-overview \"Latest Market Insights\")\n  - [Viewpoints: Expert insights](https:\/\/www.fidelity.com\/learning-center\/viewpoints \"Viewpoints: Expert insights\")\n  - [Smart Money: Tips and tactics](https:\/\/www.fidelity.com\/learning-center\/smart-money \"Smart Money: Tips and tactics\")\n  - [Money Unscripted](https:\/\/www.fidelity.com\/learning-center\/money-unscripted \"Money Unscripted\")\n  - [The Trading Post](https:\/\/www.fidelity.com\/learning-center\/trading-post \"The Trading Post\")\n  - [Women Talk Money](https:\/\/www.fidelity.com\/learning-center\/women-talk-money \"Women Talk Money\")\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights \"Wealth Management Insights\")\n- Events\n  - [Upcoming events](https:\/\/fidelityevents.com\/allevents\/special \"Upcoming events\")\n  - [On-demand webinars](https:\/\/www.fidelity.com\/learning-center\/events\/investing-webinars \"On-demand webinars\")\n  - [Market briefings](https:\/\/fidelityevents.com\/allevents\/filtered?hubFilter=tags|Coaching,Market%20Analysis#hub \"Market briefings\")\n  - [Market Sense](https:\/\/www.fidelity.com\/learning-center\/live-pi \"Market Sense\")\n  - [Trading Strategy Desk® coaching](https:\/\/www.fidelity.com\/learning-center\/events\/coaching-sessions \"Trading Strategy Desk® coaching\")\n  - [Trading Strategy Desk® classes](https:\/\/www.fidelity.com\/learning-center\/events\/virtual-classrooms \"Trading Strategy Desk® classes\")\n- Search\n\nApril 24, 2025\n\n![Estimate Time](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/time-clock-circle.svg)6 min\n\nSave ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Bookmark.svg) ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/save-success.svg)\n\nClose Popover\n\n***\nGreat, you have saved this article to you My Learn Profile page.\n\nShare ![Share](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/share.svg)\n\nClose Popover\n\n***\n10 online shopping tips to help you save money \\| Fidelity\n\nClicking a link will open a new window.\n\n- [Facebook](https:\/\/www.fidelity.com\/learning-center\/smart-money\/online-shopping-tips#facebook)\n- [Twitter](https:\/\/www.fidelity.com\/learning-center\/smart-money\/online-shopping-tips#twitter)\n- [LinkedIn](https:\/\/www.fidelity.com\/learning-center\/smart-money\/online-shopping-tips#linkedin)\n\n[Print ![Print](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Print.svg)](https:\/\/www.fidelity.com\/learning-center\/smart-money\/online-shopping-tips#print)\n\n# 10 ways to spend less when shopping online\nGet what you need without overpaying—or being tricked into overbuying.\n\nFidelity Viewpoints\n\n![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/learning-center\/heros\/10-ways-to-spend-less-when-shopping-online_778182066_banner.png)\n\n### Key takeaways\n- Retail sites have features that entice you to buy more than you need, but savvy shopping can help you stick to a budget.\n- These tips and habits—including staying focused, carefully timing purchases, and factoring in extra fees—could help you save.\n\nOnline shopping offers an almost magical level of convenience. Just grab your phone, tap a few buttons, and within a couple days (or hours) a package arrives at your door. But it's all too easy to rack up a credit card bill higher than the stack of cardboard boxes in the recycling bin. If you feel like you're spending more money online, you're not alone. Americans spent a record \\$1.2 trillion online in 2024, accounting for nearly one-quarter of all retail sales.1\n\nStill, we may think the best deals are online. After all, the early days of dynamic pricing—retail sites price-matching competitors or making frequent price changes based on demand—did result in lower prices.2 But price fluctuations can now hurt buyers. Prices are numbers we simply don't \"know\" anymore (except for maybe a gallon of gas). While grocery shoppers 15 years ago probably knew a gallon of milk should cost about \\$2.50, many of us today can't ballpark what our frequent purchases should cost. And that can be a big problem for any budget when a purchase is just a couple clicks away.\n\nTo learn how you can shop online without busting your money goals, check out these 10 tips.\n\n### 1\\. Stay focused on your needs\nOnline sellers want you to pay before you have a chance to think about it, so they make the experience seamless and enjoyable, with beautiful graphics, flashy sale banners, and one-click-to-buy features. Just as you might go into a store with a list in hand to avoid browsing, keep a visual cue close by of what you're planning to purchase—try a sticky note on your computer or phone. And remember to H.A.L.T.: Don't buy something if you're hungry, angry, lonely, or tired to avoid impulse purchases you might regret.\n\n### 2\\. Treat your credit card like real money—because it is\nBuying things can make us happy, and spending with a credit card can make us happier, thanks to the rush of dopamine our brains get when we pay for something.3 Buying online heightens the sense of distance from the purchase, making you feel like you're not spending \"real money.\" To make sure you're not going off the rails, schedule a weekly reminder to check your credit balance, or better yet, transfer funds to pay it off. This trains your brain to treat it more like cold, hard cash, while still allowing you to gain points. Bonus: Paying off your balance won't hurt your credit score and could even protect it from dropping by [keeping your credit utilization low](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/improving-credit).\n\n### 3\\. Compare prices before you buy\nOnline shopping has eliminated \"menu costs,\" aka paying to physically change prices, as restaurants do when they need to reprint updated menus. As much as prices yo-yo and don't stick in your brain, you can still trust your gut if a price seems high. Plug the item into your search engine to find out if there's a better deal elsewhere, so you know you’re paying the least possible amount.\n\n### 4\\. Use a (free) coupon browser extension wisely\nYou can add an extension to your browser that automatically scans for promo codes or discounts on the items you're shopping for.4 Unlike other pop-ups, these extensions only apply to what you're already looking at (though they may also collect search data while you shop). But the \"more you buy, the more you save\" mentality—think: free shipping for orders over \\$50 or 20% off \\$100, 30% off \\$150—often leads to overspending. If you don't really need something (or it's out of your price range), don't let a coupon or buy-more discount convince you otherwise. Be especially wary of click-to-apply coupons, which have been shown to trigger a greater sense of reward—and entice you to buy more.5\n\n### 5\\. If you don't need it immediately, wait\nOnline sellers will try to boost urgency with countdown clocks, timed carts, and warnings of limited availability (some true, others maybe not). But if you're logged in to a site and add something to your cart without checking out, the store might email you a discount to encourage you to finish your purchase. If they don't and you forget, then you probably didn't need the item to begin with.\n\n### 6\\. Unsubscribe from mailings that send you ads\nYou entered your email to get that sweet 10% off your first purchase, and now you get daily reminders to come back and discover what's new. Even if you delete most without opening, the few times your curiosity gets the better of you can cost you. The next time you open an email like that, remove your address from the mailing list by unsubscribing, usually at the bottom of the message. Out of sight, out of mind. You get blasted with enough ads already, so saving yourself from having to resist is a smart money move in itself.\n\n### 7\\. Avoid \"buy now, pay later\"\nPoint-of-sale loans that let you pay in 4 installments with only a quarter of the cost upfront—what's not to love? Sky-high interest rates and fees up to 25% of the original price if you miss a payment, that's what.6 Unfortunately, you might miscalculate your ability to make the later payments, even if the first one seemed like a breeze.\n\n### 8\\. Know the best time to buy, especially for big purchases\nIf you're thinking about getting new furniture or appliances, try to wait for the next holiday weekend. Retailers work extra hard on your days off, offering steep discounts during President's Day, Fourth of July, and Labor Day. If your patio chairs are on their wobbly last legs, decide if you can hold out until fall. With end-of-season and off-season sales, you could snag serious deals on outdoor gear, furniture, and clothes.\n\n### 9\\. Buy groceries IRL to avoid high fees\nGrocery delivery might seem wise because you won't be tempted to add unnecessary items to your cart as you walk through the aisles. But grocery-delivery apps and services upcharge many items and tack on a delivery fee. Add the tip for your shopper or driver, and in some cases a membership fee, and your final bill could be much higher than the actual value of the groceries for smaller orders in particular.7\n\n### 10\\. Consider buying used\nScoring a steep discount doesn't have to cost you an entire afternoon rifling through racks at a thrift shop. Major stores are buying back their brands' clothes and other items from previous buyers and then reselling them for less to people willing to buy used goods.8 The stores get thrifty, environmentally conscious shoppers, and you get formerly higher-priced goods at more-affordable prices.\n\nWant more saving tips? Try these easy ways to save on [groceries](https:\/\/www.fidelity.com\/learning-center\/smart-money\/save-on-groceries), [gas](https:\/\/www.fidelity.com\/learning-center\/smart-money\/pay-less-for-gas), and [utilities](https:\/\/www.fidelity.com\/learning-center\/smart-money\/how-to-lower-utilities).\n\n## Saved some money? Now put it to work.\nFind ways to spend, save, and help grow your money for today and tomorrow.\n\n[Get started](https:\/\/www.fidelity.com\/open-account\/overview)\n\n## More to explore\n### [Help me budget](https:\/\/myguidance.fidelity.com\/ftgw\/pna\/customer\/planning\/budgeting\/summary \"https:\/\/myguidance.fidelity.com\/ftgw\/pna\/customer\/planning\/budgeting\/summary\")\nCategorize expenses to help reach saving goals.\n\n### [How to save money on dining out](https:\/\/www.fidelity.com\/learning-center\/smart-money\/how-to-eat-out-for-cheap)\nThese 10 tips could dish out restaurant savings.\n\n- Content Type:Article\n- Reading Time 7 min\n- [Save](https:\/\/www.fidelity.com\/learning-center\/smart-money\/online-shopping-tips)\n\nClose Popover\n\nLog in\n\nYes, remove\n\nNo, I want to keep this\n\n![laptop approve svg](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/tile\/laptop-approve.svg)\n\n## Subscribe to  *Fidelity Smart Money℠*\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\n### Looking for more ideas and insights?\nWe'll deliver them right to your inbox.\n\nManage subscriptions\n\n### Thanks for subscribing\\!\nCheck out your Favorites page, where you can:\n\n- Tell us the topics you want to learn more about\n- View content you've saved for later\n- Subscribe to our newsletters\n\n[Go to Favorites](https:\/\/www.fidelity.com\/learning-center\/favorites)\n\n### We're on our way, but not quite there yet\nGood news, you're on the early-access list.   \n But we're not available in your state just yet. As soon as we are, we'll let you know. In the meantime, boost your crypto brainpower in our Learning Center.\n\nManage subscriptions\n\n### Oh, hello again\\!\nGood news, you’re already on the early-access list. Keep an eye on your email for your invitation to Fidelity Crypto.\n\nManage subscriptions\n\nClose dialog\n\n### Thanks for subscribing to  Looking for more ideas and insights?   You might like these too:\n### Looking for more ideas and insights? You might like these too:\n\n### *Fidelity Viewpoints®*\nTimely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ...\n\n### Decode Crypto\nClarity on crypto every month. Build your knowledge with education for all levels.\n\n### *Fidelity Smart Money℠*\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\n### Active Investor\nOur most advanced investment insights, strategies, and tools.\n\n### *Insights from Fidelity Wealth Management* ℠\nTimely news, events, and wealth strategies from top Fidelity thought leaders.\n\n### Women Talk Money\nReal talk and helpful tips about money, investing, and careers.\n\n### Educational Webinars and Events\nFree financial education from Fidelity and other leading industry professionals.\n\n*Fidelity Viewpoints®*\n\nTimely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ...\n\nDecode Crypto\n\nClarity on crypto every month. Build your knowledge with education for all levels.\n\n*Fidelity Smart Money℠*\n\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\nActive Investor\n\nOur most advanced investment insights, strategies, and tools.\n\n*Insights from Fidelity Wealth Management* ℠\n\nTimely news, events, and wealth strategies from top Fidelity thought leaders.\n\nWomen Talk Money\n\nReal talk and helpful tips about money, investing, and careers.\n\nEducational Webinars and Events\n\nFree financial education from Fidelity and other leading industry professionals.\n\nDone\n\nAdd subscriptions\n\nNo, thanks.\n\nLoading\n\n1\\. Abbas Haleem, \"US ecommerce sales in 2024 more than double those of 2019,\" Digital Commerce 360, March 3, 2025.\n\n2\\. Judith Hillen and Svetlana Fedoseeva, \"E-commerce and the end of price rigidity?,\" ScienceDirect, March 2021.\n\n3\\. Sachin Banker, Derek Dunfield, Alex Huang, and Drazen Prelec, \"Neural mechanisms of credit card spending,\" Nature, February 18, 2021.\n\n4\\. Ryley Amond and Alexandria White, \"5 best browser extensions that automatically find coupons at checkout,\" CNBC Select, December 20, 2024.\n\n5\\. Nathaniel Meyersohn, \"Why Amazon makes you click a box to redeem coupons,\" CNN Business, March 26, 2022.\n\n6\\. Jackie Veling, \"What Is Buy Now, Pay Later?\" NerdWallet, January 24, 2025.\n\n7\\. David Watsky, \"Here's How Much It Costs to Have Groceries Delivered Versus Buying in Person,\" CNET, May 22, 2024.\n\n8\\. Sophie Hirsch, \"14 Fashion Companies With Their Own Resell Programs, From Carhartt to Lululemon,\" Green Matters, October 1, 2024.\n\nFidelity does not provide legal or tax advice. 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1rbc1PAMmJH6Pekzn70x\/bWI5vav\/\/bO+0hAT+ntcP8P8IOrGXbdHt4cao9BL8tNnDYQU66wQ4LTrUbPJL+pkG7w4iF1IiZLyXhfbQ7pml9e3604pRtnPccfbDeIDF0v6ba\/uJ4NBrnVJRu9y\/BnOlMoqjVPDpsP3c7dAzw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC)\n\nTo get your conversation started, type a question in the entry field or choose from one of the following popular topics and commonly asked questions.\n\n- Where is the money going that I contributed through the 52-week Smart Habit Challenge?\n- Do you offer any online resources or training to learn how to invest in ETFs and trade?\n- How can teens learn more and build their money skills?\n\nProvide Feedback\n\nanswers will appear above the text input\n\nSubmit message","attrs_readable_markdown":"10 ways to spend less when shopping online\n\nGet what you need without overpaying—or being tricked into overbuying.\n\n### Key takeaways\n- Retail sites have features that entice you to buy more than you need, but savvy shopping can help you stick to a budget.\n- These tips and habits—including staying focused, carefully timing purchases, and factoring in extra fees—could help you save.\n\nOnline shopping offers an almost magical level of convenience. Just grab your phone, tap a few buttons, and within a couple days (or hours) a package arrives at your door. But it's all too easy to rack up a credit card bill higher than the stack of cardboard boxes in the recycling bin. If you feel like you're spending more money online, you're not alone. Americans spent a record \\$1.2 trillion online in 2024, accounting for nearly one-quarter of all retail sales.1\n\nStill, we may think the best deals are online. After all, the early days of dynamic pricing—retail sites price-matching competitors or making frequent price changes based on demand—did result in lower prices.2 But price fluctuations can now hurt buyers. Prices are numbers we simply don't \"know\" anymore (except for maybe a gallon of gas). While grocery shoppers 15 years ago probably knew a gallon of milk should cost about \\$2.50, many of us today can't ballpark what our frequent purchases should cost. And that can be a big problem for any budget when a purchase is just a couple clicks away.\n\nTo learn how you can shop online without busting your money goals, check out these 10 tips.\n\n### 1\\. Stay focused on your needs\nOnline sellers want you to pay before you have a chance to think about it, so they make the experience seamless and enjoyable, with beautiful graphics, flashy sale banners, and one-click-to-buy features. Just as you might go into a store with a list in hand to avoid browsing, keep a visual cue close by of what you're planning to purchase—try a sticky note on your computer or phone. And remember to H.A.L.T.: Don't buy something if you're hungry, angry, lonely, or tired to avoid impulse purchases you might regret.\n\n### 2\\. Treat your credit card like real money—because it is\nBuying things can make us happy, and spending with a credit card can make us happier, thanks to the rush of dopamine our brains get when we pay for something.3 Buying online heightens the sense of distance from the purchase, making you feel like you're not spending \"real money.\" To make sure you're not going off the rails, schedule a weekly reminder to check your credit balance, or better yet, transfer funds to pay it off. This trains your brain to treat it more like cold, hard cash, while still allowing you to gain points. Bonus: Paying off your balance won't hurt your credit score and could even protect it from dropping by [keeping your credit utilization low](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/improving-credit).\n\n### 3\\. Compare prices before you buy\nOnline shopping has eliminated \"menu costs,\" aka paying to physically change prices, as restaurants do when they need to reprint updated menus. As much as prices yo-yo and don't stick in your brain, you can still trust your gut if a price seems high. Plug the item into your search engine to find out if there's a better deal elsewhere, so you know you’re paying the least possible amount.\n\n### 4\\. Use a (free) coupon browser extension wisely\nYou can add an extension to your browser that automatically scans for promo codes or discounts on the items you're shopping for.4 Unlike other pop-ups, these extensions only apply to what you're already looking at (though they may also collect search data while you shop). But the \"more you buy, the more you save\" mentality—think: free shipping for orders over \\$50 or 20% off \\$100, 30% off \\$150—often leads to overspending. If you don't really need something (or it's out of your price range), don't let a coupon or buy-more discount convince you otherwise. Be especially wary of click-to-apply coupons, which have been shown to trigger a greater sense of reward—and entice you to buy more.5\n\n### 5\\. If you don't need it immediately, wait\nOnline sellers will try to boost urgency with countdown clocks, timed carts, and warnings of limited availability (some true, others maybe not). But if you're logged in to a site and add something to your cart without checking out, the store might email you a discount to encourage you to finish your purchase. If they don't and you forget, then you probably didn't need the item to begin with.\n\n### 6\\. Unsubscribe from mailings that send you ads\nYou entered your email to get that sweet 10% off your first purchase, and now you get daily reminders to come back and discover what's new. Even if you delete most without opening, the few times your curiosity gets the better of you can cost you. The next time you open an email like that, remove your address from the mailing list by unsubscribing, usually at the bottom of the message. Out of sight, out of mind. You get blasted with enough ads already, so saving yourself from having to resist is a smart money move in itself.\n\n### 7\\. Avoid \"buy now, pay later\"\nPoint-of-sale loans that let you pay in 4 installments with only a quarter of the cost upfront—what's not to love? Sky-high interest rates and fees up to 25% of the original price if you miss a payment, that's what.6 Unfortunately, you might miscalculate your ability to make the later payments, even if the first one seemed like a breeze.\n\n### 8\\. Know the best time to buy, especially for big purchases\nIf you're thinking about getting new furniture or appliances, try to wait for the next holiday weekend. Retailers work extra hard on your days off, offering steep discounts during President's Day, Fourth of July, and Labor Day. If your patio chairs are on their wobbly last legs, decide if you can hold out until fall. With end-of-season and off-season sales, you could snag serious deals on outdoor gear, furniture, and clothes.\n\n### 9\\. Buy groceries IRL to avoid high fees\nGrocery delivery might seem wise because you won't be tempted to add unnecessary items to your cart as you walk through the aisles. But grocery-delivery apps and services upcharge many items and tack on a delivery fee. Add the tip for your shopper or driver, and in some cases a membership fee, and your final bill could be much higher than the actual value of the groceries for smaller orders in particular.7\n\n### 10\\. Consider buying used\nScoring a steep discount doesn't have to cost you an entire afternoon rifling through racks at a thrift shop. Major stores are buying back their brands' clothes and other items from previous buyers and then reselling them for less to people willing to buy used goods.8 The stores get thrifty, environmentally conscious shoppers, and you get formerly higher-priced goods at more-affordable prices.","meta_canonical":null}

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URL	https://www.fidelity.com/learning-center/smart-money/online-shopping-tips
Last Crawled	2026-04-09 11:39:11 (5 days ago)
First Indexed	2022-07-12 21:01:01 (3 years ago)
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Meta Title	10 online shopping tips to help you save money \| Fidelity
Meta Description	Inflation plus sneaky tricks make us spend more when we're buying stuff online. Here's how not to do that.
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Boilerpipe Text	10 ways to spend less when shopping online Get what you need without overpaying—or being tricked into overbuying. Key takeaways Retail sites have features that entice you to buy more than you need, but savvy shopping can help you stick to a budget. These tips and habits—including staying focused, carefully timing purchases, and factoring in extra fees—could help you save. Online shopping offers an almost magical level of convenience. Just grab your phone, tap a few buttons, and within a couple days (or hours) a package arrives at your door. But it's all too easy to rack up a credit card bill higher than the stack of cardboard boxes in the recycling bin. If you feel like you're spending more money online, you're not alone. Americans spent a record $1.2 trillion online in 2024, accounting for nearly one-quarter of all retail sales. 1 Still, we may think the best deals are online. After all, the early days of dynamic pricing—retail sites price-matching competitors or making frequent price changes based on demand—did result in lower prices. 2 But price fluctuations can now hurt buyers. Prices are numbers we simply don't "know" anymore (except for maybe a gallon of gas). While grocery shoppers 15 years ago probably knew a gallon of milk should cost about $2.50, many of us today can't ballpark what our frequent purchases should cost. And that can be a big problem for any budget when a purchase is just a couple clicks away. To learn how you can shop online without busting your money goals, check out these 10 tips. 1. Stay focused on your needs Online sellers want you to pay before you have a chance to think about it, so they make the experience seamless and enjoyable, with beautiful graphics, flashy sale banners, and one-click-to-buy features. Just as you might go into a store with a list in hand to avoid browsing, keep a visual cue close by of what you're planning to purchase—try a sticky note on your computer or phone. And remember to H.A.L.T.: Don't buy something if you're hungry, angry, lonely, or tired to avoid impulse purchases you might regret. 2. Treat your credit card like real money—because it is Buying things can make us happy, and spending with a credit card can make us happier, thanks to the rush of dopamine our brains get when we pay for something. 3 Buying online heightens the sense of distance from the purchase, making you feel like you're not spending "real money." To make sure you're not going off the rails, schedule a weekly reminder to check your credit balance, or better yet, transfer funds to pay it off. This trains your brain to treat it more like cold, hard cash, while still allowing you to gain points. Bonus: Paying off your balance won't hurt your credit score and could even protect it from dropping by keeping your credit utilization low . 3. Compare prices before you buy Online shopping has eliminated "menu costs," aka paying to physically change prices, as restaurants do when they need to reprint updated menus. As much as prices yo-yo and don't stick in your brain, you can still trust your gut if a price seems high. Plug the item into your search engine to find out if there's a better deal elsewhere, so you know you’re paying the least possible amount. 4. Use a (free) coupon browser extension wisely You can add an extension to your browser that automatically scans for promo codes or discounts on the items you're shopping for. 4 Unlike other pop-ups, these extensions only apply to what you're already looking at (though they may also collect search data while you shop). But the "more you buy, the more you save" mentality—think: free shipping for orders over $50 or 20% off $100, 30% off $150—often leads to overspending. If you don't really need something (or it's out of your price range), don't let a coupon or buy-more discount convince you otherwise. Be especially wary of click-to-apply coupons, which have been shown to trigger a greater sense of reward—and entice you to buy more. 5 5. If you don't need it immediately, wait Online sellers will try to boost urgency with countdown clocks, timed carts, and warnings of limited availability (some true, others maybe not). But if you're logged in to a site and add something to your cart without checking out, the store might email you a discount to encourage you to finish your purchase. If they don't and you forget, then you probably didn't need the item to begin with. 6. Unsubscribe from mailings that send you ads You entered your email to get that sweet 10% off your first purchase, and now you get daily reminders to come back and discover what's new. Even if you delete most without opening, the few times your curiosity gets the better of you can cost you. The next time you open an email like that, remove your address from the mailing list by unsubscribing, usually at the bottom of the message. Out of sight, out of mind. You get blasted with enough ads already, so saving yourself from having to resist is a smart money move in itself. 7. Avoid "buy now, pay later" Point-of-sale loans that let you pay in 4 installments with only a quarter of the cost upfront—what's not to love? Sky-high interest rates and fees up to 25% of the original price if you miss a payment, that's what. 6 Unfortunately, you might miscalculate your ability to make the later payments, even if the first one seemed like a breeze. 8. Know the best time to buy, especially for big purchases If you're thinking about getting new furniture or appliances, try to wait for the next holiday weekend. Retailers work extra hard on your days off, offering steep discounts during President's Day, Fourth of July, and Labor Day. If your patio chairs are on their wobbly last legs, decide if you can hold out until fall. With end-of-season and off-season sales, you could snag serious deals on outdoor gear, furniture, and clothes. 9. Buy groceries IRL to avoid high fees Grocery delivery might seem wise because you won't be tempted to add unnecessary items to your cart as you walk through the aisles. But grocery-delivery apps and services upcharge many items and tack on a delivery fee. Add the tip for your shopper or driver, and in some cases a membership fee, and your final bill could be much higher than the actual value of the groceries for smaller orders in particular. 7 10. Consider buying used Scoring a steep discount doesn't have to cost you an entire afternoon rifling through racks at a thrift shop. Major stores are buying back their brands' clothes and other items from previous buyers and then reselling them for less to people willing to buy used goods. 8 The stores get thrifty, environmentally conscious shoppers, and you get formerly higher-priced goods at more-affordable prices.
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Share ![Share](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/share.svg) Close Popover * 10 online shopping tips to help you save money \\| Fidelity Clicking a link will open a new window. - [Facebook](https://www.fidelity.com/learning-center/smart-money/online-shopping-tips#facebook) - [Twitter](https://www.fidelity.com/learning-center/smart-money/online-shopping-tips#twitter) - [LinkedIn](https://www.fidelity.com/learning-center/smart-money/online-shopping-tips#linkedin) [Print ![Print](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/Print.svg)](https://www.fidelity.com/learning-center/smart-money/online-shopping-tips#print) # 10 ways to spend less when shopping online Get what you need without overpaying—or being tricked into overbuying. Fidelity Viewpoints ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/learning-center/heros/10-ways-to-spend-less-when-shopping-online_778182066_banner.png) ### Key takeaways - Retail sites have features that entice you to buy more than you need, but savvy shopping can help you stick to a budget. - These tips and habits—including staying focused, carefully timing purchases, and factoring in extra fees—could help you save. Online shopping offers an almost magical level of convenience. Just grab your phone, tap a few buttons, and within a couple days (or hours) a package arrives at your door. But it's all too easy to rack up a credit card bill higher than the stack of cardboard boxes in the recycling bin. If you feel like you're spending more money online, you're not alone. Americans spent a record \$1.2 trillion online in 2024, accounting for nearly one-quarter of all retail sales.1 Still, we may think the best deals are online. After all, the early days of dynamic pricing—retail sites price-matching competitors or making frequent price changes based on demand—did result in lower prices.2 But price fluctuations can now hurt buyers. Prices are numbers we simply don't "know" anymore (except for maybe a gallon of gas). While grocery shoppers 15 years ago probably knew a gallon of milk should cost about \$2.50, many of us today can't ballpark what our frequent purchases should cost. And that can be a big problem for any budget when a purchase is just a couple clicks away. To learn how you can shop online without busting your money goals, check out these 10 tips. ### 1\. Stay focused on your needs Online sellers want you to pay before you have a chance to think about it, so they make the experience seamless and enjoyable, with beautiful graphics, flashy sale banners, and one-click-to-buy features. Just as you might go into a store with a list in hand to avoid browsing, keep a visual cue close by of what you're planning to purchase—try a sticky note on your computer or phone. And remember to H.A.L.T.: Don't buy something if you're hungry, angry, lonely, or tired to avoid impulse purchases you might regret. ### 2\. Treat your credit card like real money—because it is Buying things can make us happy, and spending with a credit card can make us happier, thanks to the rush of dopamine our brains get when we pay for something.3 Buying online heightens the sense of distance from the purchase, making you feel like you're not spending "real money." To make sure you're not going off the rails, schedule a weekly reminder to check your credit balance, or better yet, transfer funds to pay it off. This trains your brain to treat it more like cold, hard cash, while still allowing you to gain points. Bonus: Paying off your balance won't hurt your credit score and could even protect it from dropping by [keeping your credit utilization low](https://www.fidelity.com/learning-center/personal-finance/improving-credit). ### 3\. Compare prices before you buy Online shopping has eliminated "menu costs," aka paying to physically change prices, as restaurants do when they need to reprint updated menus. As much as prices yo-yo and don't stick in your brain, you can still trust your gut if a price seems high. Plug the item into your search engine to find out if there's a better deal elsewhere, so you know you’re paying the least possible amount. ### 4\. Use a (free) coupon browser extension wisely You can add an extension to your browser that automatically scans for promo codes or discounts on the items you're shopping for.4 Unlike other pop-ups, these extensions only apply to what you're already looking at (though they may also collect search data while you shop). But the "more you buy, the more you save" mentality—think: free shipping for orders over \$50 or 20% off \$100, 30% off \$150—often leads to overspending. If you don't really need something (or it's out of your price range), don't let a coupon or buy-more discount convince you otherwise. Be especially wary of click-to-apply coupons, which have been shown to trigger a greater sense of reward—and entice you to buy more.5 ### 5\. If you don't need it immediately, wait Online sellers will try to boost urgency with countdown clocks, timed carts, and warnings of limited availability (some true, others maybe not). But if you're logged in to a site and add something to your cart without checking out, the store might email you a discount to encourage you to finish your purchase. If they don't and you forget, then you probably didn't need the item to begin with. ### 6\. Unsubscribe from mailings that send you ads You entered your email to get that sweet 10% off your first purchase, and now you get daily reminders to come back and discover what's new. Even if you delete most without opening, the few times your curiosity gets the better of you can cost you. The next time you open an email like that, remove your address from the mailing list by unsubscribing, usually at the bottom of the message. Out of sight, out of mind. You get blasted with enough ads already, so saving yourself from having to resist is a smart money move in itself. ### 7\. Avoid "buy now, pay later" Point-of-sale loans that let you pay in 4 installments with only a quarter of the cost upfront—what's not to love? Sky-high interest rates and fees up to 25% of the original price if you miss a payment, that's what.6 Unfortunately, you might miscalculate your ability to make the later payments, even if the first one seemed like a breeze. ### 8\. Know the best time to buy, especially for big purchases If you're thinking about getting new furniture or appliances, try to wait for the next holiday weekend. Retailers work extra hard on your days off, offering steep discounts during President's Day, Fourth of July, and Labor Day. If your patio chairs are on their wobbly last legs, decide if you can hold out until fall. With end-of-season and off-season sales, you could snag serious deals on outdoor gear, furniture, and clothes. ### 9\. Buy groceries IRL to avoid high fees Grocery delivery might seem wise because you won't be tempted to add unnecessary items to your cart as you walk through the aisles. But grocery-delivery apps and services upcharge many items and tack on a delivery fee. Add the tip for your shopper or driver, and in some cases a membership fee, and your final bill could be much higher than the actual value of the groceries for smaller orders in particular.7 ### 10\. Consider buying used Scoring a steep discount doesn't have to cost you an entire afternoon rifling through racks at a thrift shop. Major stores are buying back their brands' clothes and other items from previous buyers and then reselling them for less to people willing to buy used goods.8 The stores get thrifty, environmentally conscious shoppers, and you get formerly higher-priced goods at more-affordable prices. Want more saving tips? Try these easy ways to save on [groceries](https://www.fidelity.com/learning-center/smart-money/save-on-groceries), [gas](https://www.fidelity.com/learning-center/smart-money/pay-less-for-gas), and [utilities](https://www.fidelity.com/learning-center/smart-money/how-to-lower-utilities). ## Saved some money? Now put it to work. Find ways to spend, save, and help grow your money for today and tomorrow. [Get started](https://www.fidelity.com/open-account/overview) ## More to explore ### [Help me budget](https://myguidance.fidelity.com/ftgw/pna/customer/planning/budgeting/summary "https://myguidance.fidelity.com/ftgw/pna/customer/planning/budgeting/summary") Categorize expenses to help reach saving goals. ### [How to save money on dining out](https://www.fidelity.com/learning-center/smart-money/how-to-eat-out-for-cheap) These 10 tips could dish out restaurant savings. - Content Type:Article - Reading Time 7 min - [Save](https://www.fidelity.com/learning-center/smart-money/online-shopping-tips) Close Popover Log in Yes, remove No, I want to keep this ![laptop approve svg](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/tile/laptop-approve.svg) ## Subscribe to Fidelity Smart Money℠ What the news means for your money, plus tips to help you spend, save, and invest. ### Looking for more ideas and insights? We'll deliver them right to your inbox. 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You might like these too: ### Fidelity Viewpoints® Timely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ... ### Decode Crypto Clarity on crypto every month. Build your knowledge with education for all levels. ### Fidelity Smart Money℠ What the news means for your money, plus tips to help you spend, save, and invest. ### Active Investor Our most advanced investment insights, strategies, and tools. ### Insights from Fidelity Wealth Management ℠ Timely news, events, and wealth strategies from top Fidelity thought leaders. ### Women Talk Money Real talk and helpful tips about money, investing, and careers. ### Educational Webinars and Events Free financial education from Fidelity and other leading industry professionals. Fidelity Viewpoints® Timely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ... Decode Crypto Clarity on crypto every month. Build your knowledge with education for all levels. Fidelity Smart Money℠ What the news means for your money, plus tips to help you spend, save, and invest. Active Investor Our most advanced investment insights, strategies, and tools. Insights from Fidelity Wealth Management ℠ Timely news, events, and wealth strategies from top Fidelity thought leaders. Women Talk Money Real talk and helpful tips about money, investing, and careers. Educational Webinars and Events Free financial education from Fidelity and other leading industry professionals. Done Add subscriptions No, thanks. Loading 1\. Abbas Haleem, "US ecommerce sales in 2024 more than double those of 2019," Digital Commerce 360, March 3, 2025. 2\. Judith Hillen and Svetlana Fedoseeva, "E-commerce and the end of price rigidity?," ScienceDirect, March 2021. 3\. Sachin Banker, Derek Dunfield, Alex Huang, and Drazen Prelec, "Neural mechanisms of credit card spending," Nature, February 18, 2021. 4\. Ryley Amond and Alexandria White, "5 best browser extensions that automatically find coupons at checkout," CNBC Select, December 20, 2024. 5\. Nathaniel Meyersohn, "Why Amazon makes you click a box to redeem coupons," CNN Business, March 26, 2022. 6\. Jackie Veling, "What Is Buy Now, Pay Later?" NerdWallet, January 24, 2025. 7\. David Watsky, "Here's How Much It Costs to Have Groceries Delivered Versus Buying in Person," CNET, May 22, 2024. 8\. Sophie Hirsch, "14 Fashion Companies With Their Own Resell Programs, From Carhartt to Lululemon," Green Matters, October 1, 2024. Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. 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zw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC) 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zw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC) 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Readable Markdown	10 ways to spend less when shopping online Get what you need without overpaying—or being tricked into overbuying. ### Key takeaways - Retail sites have features that entice you to buy more than you need, but savvy shopping can help you stick to a budget. - These tips and habits—including staying focused, carefully timing purchases, and factoring in extra fees—could help you save. Online shopping offers an almost magical level of convenience. Just grab your phone, tap a few buttons, and within a couple days (or hours) a package arrives at your door. But it's all too easy to rack up a credit card bill higher than the stack of cardboard boxes in the recycling bin. If you feel like you're spending more money online, you're not alone. Americans spent a record \$1.2 trillion online in 2024, accounting for nearly one-quarter of all retail sales.1 Still, we may think the best deals are online. After all, the early days of dynamic pricing—retail sites price-matching competitors or making frequent price changes based on demand—did result in lower prices.2 But price fluctuations can now hurt buyers. Prices are numbers we simply don't "know" anymore (except for maybe a gallon of gas). While grocery shoppers 15 years ago probably knew a gallon of milk should cost about \$2.50, many of us today can't ballpark what our frequent purchases should cost. And that can be a big problem for any budget when a purchase is just a couple clicks away. To learn how you can shop online without busting your money goals, check out these 10 tips. ### 1\. Stay focused on your needs Online sellers want you to pay before you have a chance to think about it, so they make the experience seamless and enjoyable, with beautiful graphics, flashy sale banners, and one-click-to-buy features. Just as you might go into a store with a list in hand to avoid browsing, keep a visual cue close by of what you're planning to purchase—try a sticky note on your computer or phone. And remember to H.A.L.T.: Don't buy something if you're hungry, angry, lonely, or tired to avoid impulse purchases you might regret. ### 2\. Treat your credit card like real money—because it is Buying things can make us happy, and spending with a credit card can make us happier, thanks to the rush of dopamine our brains get when we pay for something.3 Buying online heightens the sense of distance from the purchase, making you feel like you're not spending "real money." To make sure you're not going off the rails, schedule a weekly reminder to check your credit balance, or better yet, transfer funds to pay it off. This trains your brain to treat it more like cold, hard cash, while still allowing you to gain points. Bonus: Paying off your balance won't hurt your credit score and could even protect it from dropping by [keeping your credit utilization low](https://www.fidelity.com/learning-center/personal-finance/improving-credit). ### 3\. Compare prices before you buy Online shopping has eliminated "menu costs," aka paying to physically change prices, as restaurants do when they need to reprint updated menus. As much as prices yo-yo and don't stick in your brain, you can still trust your gut if a price seems high. Plug the item into your search engine to find out if there's a better deal elsewhere, so you know you’re paying the least possible amount. ### 4\. Use a (free) coupon browser extension wisely You can add an extension to your browser that automatically scans for promo codes or discounts on the items you're shopping for.4 Unlike other pop-ups, these extensions only apply to what you're already looking at (though they may also collect search data while you shop). But the "more you buy, the more you save" mentality—think: free shipping for orders over \$50 or 20% off \$100, 30% off \$150—often leads to overspending. If you don't really need something (or it's out of your price range), don't let a coupon or buy-more discount convince you otherwise. Be especially wary of click-to-apply coupons, which have been shown to trigger a greater sense of reward—and entice you to buy more.5 ### 5\. If you don't need it immediately, wait Online sellers will try to boost urgency with countdown clocks, timed carts, and warnings of limited availability (some true, others maybe not). But if you're logged in to a site and add something to your cart without checking out, the store might email you a discount to encourage you to finish your purchase. If they don't and you forget, then you probably didn't need the item to begin with. ### 6\. Unsubscribe from mailings that send you ads You entered your email to get that sweet 10% off your first purchase, and now you get daily reminders to come back and discover what's new. Even if you delete most without opening, the few times your curiosity gets the better of you can cost you. The next time you open an email like that, remove your address from the mailing list by unsubscribing, usually at the bottom of the message. Out of sight, out of mind. You get blasted with enough ads already, so saving yourself from having to resist is a smart money move in itself. ### 7\. Avoid "buy now, pay later" Point-of-sale loans that let you pay in 4 installments with only a quarter of the cost upfront—what's not to love? Sky-high interest rates and fees up to 25% of the original price if you miss a payment, that's what.6 Unfortunately, you might miscalculate your ability to make the later payments, even if the first one seemed like a breeze. ### 8\. Know the best time to buy, especially for big purchases If you're thinking about getting new furniture or appliances, try to wait for the next holiday weekend. Retailers work extra hard on your days off, offering steep discounts during President's Day, Fourth of July, and Labor Day. If your patio chairs are on their wobbly last legs, decide if you can hold out until fall. With end-of-season and off-season sales, you could snag serious deals on outdoor gear, furniture, and clothes. ### 9\. Buy groceries IRL to avoid high fees Grocery delivery might seem wise because you won't be tempted to add unnecessary items to your cart as you walk through the aisles. But grocery-delivery apps and services upcharge many items and tack on a delivery fee. Add the tip for your shopper or driver, and in some cases a membership fee, and your final bill could be much higher than the actual value of the groceries for smaller orders in particular.7 ### 10\. Consider buying used Scoring a steep discount doesn't have to cost you an entire afternoon rifling through racks at a thrift shop. Major stores are buying back their brands' clothes and other items from previous buyers and then reselling them for less to people willing to buy used goods.8 The stores get thrifty, environmentally conscious shoppers, and you get formerly higher-priced goods at more-affordable prices.
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