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Are You Paying Too Much?

Are You Paying Too Much?

by Lisa Fields

For some, shopping is a chore; for others, it's a religion. But loving it doesn't necessarily mean that you shop wisely. Answer these questions to see if you need to rethink your shopping style.

That new flat-screen TV you want is on sale, but you aren't sure how to pay for it. Which is the worst method?
1 of 10 questions

Option A

Pay cash

Option B

Charge it to your credit card, which you don’t pay off every month

Option C

Charge it to your credit card, which you do pay off every month

Option D

Use the store’s same-as-cash-within-12-months financing offer

When you're shopping online, you:
2 of 10 questions

Option A

Go to your favorite website to place an order

Option B

Search for the lowest price before buying

Option C

Search for the best total price (product cost plus shipping)

Option D

Compare total prices online with those at local stores

What can you expect to find when you're outlet shopping?
3 of 10 questions

Option A

Items made specifically for the outlets and overflow from the brand’s regular stores

Option B

Products made specifically for the outlets and irregular items

Option C

Overflow from the brand’s regular stores and irregular items

Option D

Nothing but irregular items

The best time to sign up for a store credit card to take advantage of 10 percent savings is when you:
4 of 10 questions

Option A

Spend over $500 — that’s $50 less to add to your credit card balance

Option B

Need several new suits for your new high-paying job — the salary boost will allow you to pay off your credit cards

Option C

Are saving money to buy a car or home next month — every dollar counts!

Option D

Find yourself making purchases at the same store every week — why not?

Do you ever negotiate the price of a big-ticket item with a salesperson?
5 of 10 questions

Option A

Never — you’d look like a cheapskate

Option B

Only when you’re by yourself

Option C

Only when you’re at a mom-and-pop store

Option D

Every chance you get

What's the best time of year to buy a new high-definition television, couch, car or washing machine?
6 of 10 questions

Option A

January

Option B

April

Option C

September

Option D

The day after Thanksgiving

When shopping at a warehouse store like Costco or Sam's Club, which makes the most sense to buy in bulk?
7 of 10 questions

Option A

3 dozen eggs

Option B

10 pounds of chicken breasts

Option C

20 AA batteries

Option D

12 rolls of paper towels

When might you be able to join a gym for less money?
8 of 10 questions

Option A

January

Option B

February

Option C

May

Option D

October

Which of the following will save you serious cash at the supermarket?
9 of 10 questions

Option A

Coupons

Option B

Rebates

Option C

Loyalty discount cards

Option D

Buying nothing but generic brands

What do you do when you're in the market for a new-car loan?
10 of 10 questions

Option A

Head straight to the car dealership advertising 0% financing

Option B

Visit your regular bank for a loan

Option C

Search online for the best auto-loan rates

Option D

Talk Mom and Dad into loaning you their spare car