Bank like a financial pro with the Alliant mobile app. Make payments, deposit checks, manage cards and so much more.
Renovate your kitchen, pay off high-interest debt, or have access to emergency funds when you need it with an Alliant Home Equity Line of Credit.
Browse new and used vehicle inventory, and qualify for a rate discount when you buy!81
Separate each of your savings goals into an Alliant Supplemental Savings Account so you can visualize your progress.
By Courtney Jespersen
If you don’t see a sale sign, it doesn’t mean you can’t get a deal. Here are four ways you could save money the next time you shop online or in person.
If you’re willing to supply a retailer with some of your personal information — such as your name, address or birth date — you could get deals in return.
“Consumers can visit the retailers’ website to sign up for coupons, or even download an app to receive alerts on discounts,” Maura L. Scott, an associate professor of marketing at Florida State University, said in an email.
“Online deals can be a great way to save money, provided consumers understand that they are providing something of value when they share their data with a company,” Scott said. Companies can use this information to track consumers’ shopping behaviors, for example.
Many retailers offer a one-time discount just for joining a mailing list or rewards program, or for agreeing to receive text alerts. (Though note that you might have to wait a bit to receive your coupon before you can get a discount.) Two recent examples we spotted: coupons for 12% or 15% off at online seller Overstock.com for signing up an email address, and 15% off one online order at makeup company Estee Lauder for joining its loyalty program.
Contrary to what you may think, the price you see on the sticker isn’t always the price you have to pay, according to Emily Hunter, an associate professor of management at Baylor University.
“I find that people in general don’t consider negotiating an option when they’re at a store,” Hunter says. “They think about it as an option at a garage sale, but not like a big-box retailer.”
One possible tactic: Shoppers can use a defect as leverage for a discount. (Think fruit that is bruised or a shirt that has a small tear or stain.) Additionally, if there’s any question of how much an item costs — such as if it’s not clearly marked on the shelf — try requesting the lower of the potential prices.
Even if there’s nothing wrong with a product, you can still ask for a lower price, Hunter says. Particularly on big-ticket items, retailers may want to work with you to win your business. To get the best outcome, be sure to clearly state what you want — such as 30% off — instead of starting with “what’s the best price you can give me?”
If you saw a coupon for an item but forgot to bring it with you to the store, all is not lost: You can try asking for one at the register.
“They literally have them right next to the terminal,” Hunter says. “It’s just a matter of whether they’re willing to let you use it. This is where being really kind and polite really helps.”
If you’re shopping online, try messaging or calling the retailer’s customer service department to see if there are any coupon codes available that you could apply to your order.
Don’t forget to ask about other deductions, too. Stores sometimes offer senior, military, student or other specialty discounts.
Sign up with cash-back websites and apps such as Ebates and BeFrugal to earn money back on your qualifying purchases. You won’t pay less for an item at the time of purchase, but you can potentially get money back after the fact — almost like a refund.
If you have memberships at several cash-back sites, check out Cashback Monitor. It’s a site that aggregates cash-back rates from multiple cash-back websites. You can quickly see which site is offering the best discount at the store where you’re shopping and choose the cash-back site you use accordingly.
This article was written by NerdWallet and was originally published by The Associated Press.
More From NerdWallet
Courtney Jespersen is a writer at NerdWallet. Email: [email protected]. Twitter: @CourtneyNerd.
The article 4 Ways to Get a Sale Price When There Isn’t a Sale originally appeared on NerdWallet.
Get even more personal finance info, tips and tricks delivered right to your inbox each month.
Thanks for subscribing to Alliant's Money Mentor newsletter! You will now receive personal finance tips in your email inbox each month.
You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union.
You are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Alliant Credit Union is not responsible for the content and does not provide any products or services at this third-party website. The privacy and security policies of the site may differ from those of Alliant Credit Union.