u/Turbo_Zapped

Pls share the best tips you know for saving money.

These are some things that I do:

1. Use a LTF credit card for most spends like electricity bill, phone recharge, and online shopping so that it can earn 2-3% Cashback. 1% on all other transactions.

2. Use a browser extension that shows the price history of a product in e-commerce sites. Looking at the trend of price changes, you can decide whether now is the best time to buy the product, or wait a week or two to get it at a lower price.

3. The same browser extensions mentioned in pt.2 can also let you set a price alert. You'll receive an email when the product reaches a certain price. (I've found that this doesn't work 100% perfectly, it misses price drop sometimes)

4. For sites like BigBasket / Myntra, instead of directly paying with CC or UPI, buy Gift Cards if they're available on discount. Recently got BigBasket Giftcard @ 3% discount, paid for it with my Credit Card, and got 2% cashback on that transaction, effectively giving me a ~4.9% discount.

5. Extending pt.4, if you have ICICI or HDFC Credit card, they have their own Giftcard buying portals with good discounts. ICICI portal is called ishop and HDFC is smartbuy/gyftr.

6. Since most of my spends are online these steps alone save me some money. If you pay using UPI a lot, there are specific credit cards that offer good cashbacks on all UPI transactions.

7. If you don't want to get a separate CC for pt.6, then supermoney app will give a small amount of cashback on your existing UPI enabled bank account.

I mean, what's the point of this sub?

Just reposts from those 2 subs makes it seem like there's no need for a separate sub.

I mean, I saw my own meme that I posted in fdank being reposted here last week.

Mods?