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2013 Resolution: Find Smart Ways to Spend & Save

find best pricesI have only a few resolutions this new year, one of which is to find smarter ways to spend and save money.

I recently learned to do something called comparison shopping. Have you heard of it?

In the past, I would see something I liked and then panic and buy it tout de suite at full price, afraid that they’d run out of whatever I wanted before I had the chance to get it. Needless to say, that approach has never been good for my finances.

In the last couple of months I’ve learned to watch prices for the things I need to buy like a hawk. I continually check websites, other stores that sell similar items, make notes, wait for sales and hold out for the best prices. I recently moved into a new house, and I was able to get many of the big ticket things we needed to buy at great discounts, including everything from curtains to a new sofa. I have no idea why I didn’t do this sooner. I feel like an idiot for ever having bought things at full price.

Now I can’t stand purchasing something and finding out a couple of weeks later I could have gotten it cheaper. ARGH! I want to press the “unbuy” button, but they don’t have that yet. (Still waiting for the “unsend” button too.) I could flagellate myself for losing that $50 I could have saved on this or that, since I happen to be very good at self-flagellation. There is, however, an attractive alternative. I could just buy everything with a Citi card.

With the Citi Price Rewind program, when I buy an item entirely with a Citi card, they’ll track online prices of it for 30 days after the purchase, and if they find a price difference of more than $25, I can apply for a refund. (To learn more about exactly how the program works, click here.) This means I can stop fretting about whether I should have worked harder to find better prices on all of those expensive gifts for Christmas or the household items I need. A little less work and worrying for me is a good thing, especially since one of my other, even more important resolutions for 2013 is to JUST RELAX ALREADY!!

With even just a $25 Price Rewind refund I could start the year off right with a week’s worth of free lattes (shows you where my priorities are). I’d sit back each morning, sip my latte and laugh haughtily at the poor souls who pay full price for things.

A big thanks to Citi Price Rewind and Shop with Points for sponsoring this campaign. Click here to see more of the discussion.

Photo credit: © Olivier Le Moal – Fotolia.com

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