5 Mistakes To Avoid While Shopping Online This Diwali

By shalinighosh | Oct 25, 2018

So you’ve resolved to not unleash the shopaholic in you this Diwali season. But with e-commerce giants like Flipkart, Snapdeal, and Amazon putting up banners and advertisements that holler “GRAND SALE!” and “BUMPER DISCOUNTS!”, we understand that it can get quite difficult to stick to that resolution.

Of course, it’s completely okay to indulge yourself during the festive season and treat yourself to certain products or experiences that you’ve been looking forward to throughout the year. That being said, there’s no reason to go overboard buying things you don’t need or settling for something just because its price has been heavily slashed.

It is in fact quite easy to be a smart shopper this Diwali season - as long as you avoid making the following mistakes.

1. Not Making A List

How often do you find yourself staring long and hard at an entire cookware range just because you get 30 percent off when all you need is a skillet? Today, you might give yourself a pat on the back, thinking you’ve scored yourself a great deal. But come tomorrow, you’re not going to be very pleased with yourself when you see the entire range sitting on your shelf collecting dust!

At first glance, the wide choice of discounts and deals can be overwhelming and before you know it, you’ll be blowing up all your money on things you don’t even need. Remember, a discount on items that you have no use for is not a discount, but a larger draining of your savings. So before you start shopping online, list down everything you actually need to buy and then make sure you stick to that list.

2. Not Doing Enough Research

Now that you have your list ready, start looking up different brands and read all the reviews you can.

Also, e-commerce sites are excellent at push-and-pull marketing tactics. It’s natural for most of us to think that we’re getting the best deal on a particular smartphone or laptop. Still, cross-check with offline stores before you go ahead with your purchase. More often than not, you’ll find that the latter is selling the same product at a much better deal!

So remember, always do your homework before you decide to make that final purchase so you don’t regret shelling out the extra bucks!

3. Getting Swayed By Bonus Items

We’ve all seen offers that try to lure you into buying something by giving you an extra product for free. For instance, you could get a free lunchbox if you bought a suitcase or a pressure cooker.

Before you fall for this marketing gimmick, ask yourself the following questions. Do you really want to buy a suitcase just because you’re getting a free lunchbox? Do you need the suitcase or even the lunchbox to begin with?

Another popular trick that online retailers love to use is the “Buy 3 Get 1” schemes. Here’s how this particular scheme works - you end up paying for the most expensive item not once, but thrice, and then you get the cheapest item as a freebie. Now think carefully, why would you even buy more than the usual number of items that you would’ve otherwise bought, just for a useless freebie?

Online retailers often use tricks like these to lure you into buying stuff. Don’t fall for them and add to unnecessary clutter in your house!

4. Not Making Credit Card Transactions

If you have more than one credit card, you could actually use them to fetch you even bigger discounts, provided you use them wisely. Today, plenty of your favourite e-commerce players have tie ups with credit card companies. If you’re holding onto a credit card from one of the issuers listed on the shopping site, you can get access to exclusive discounts and interest-free EMIs! For instance, Amazon India gives SBI card users 10 percent discount plus cashback offers.

Do check if there are any special deals for your credit cards before you make a transaction to make the best of your online Diwali shopping!

5. Ignoring Shipping Charges

Okay, so you’ve found the best deal on this product you really want. But remember, most products that come at heavily discounted prices usually require you to pay a high shipping fee which could add up to the same amount during the non-festive season.

Be sure you’re aware of how much you’re being charged for product shipping and proceed accordingly.

Online shopping during the festive season is undoubtedly plenty of fun and it’s impossible to not indulge in these grand sales. Nevertheless, with so many things to buy and so many people to shop for, it can get heavy on the wallet.

However, with NIRA around, you need no longer fret about running your savings account dry! With NIRA, you can get qualified for up to Rs. 1 lakh in just 3 minutes! Not only are our loans flexible (which means you can use the cash for anything you need) but they also come at interest rates that are fair to you. Just download the app, find out your credit limit and avail your credit. NIRA will transfer the money directly to your bank account which you can then use to complete your online shopping purchase! In return, you can repay NIRA in easy bite-sized EMIs. This way, you can also take advantage of discounts and cashback offers from online vendors like Paytm and Amazon by paying for your items upfront.

Hurry over to our website at www.nirafinance.com to know more and make online shopping this Diwali a lot less worrisome!

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