8 Ways Online Retailers Push Us To Overspend

Overspending during the holidays is easy…and even easier when online retailers deploy every tactic to get your attention. Here are 8 ways online retailers push us to overspend.

Infographic listing 8 ways online retailers push you to overspend online

1. They offer free shipping… with a minimum purchase.
When retailers offer to sponsor shipping costs if you spend $50, they lure you into spending more.

2.  They make it super-easy to check out.
Websites make their checkout process ridiculously easy to keep you from overthinking your purchases and opting out. read more

Mutilated Money: Is the end really the end?

emoji questioning if mutilated money can be cashed in

Ever wonder what happens to bills that have been burned, damaged by liquids or ruined by…. other methods?  Most might think it’s the end of the line for these bills, never to grace your account or piggy bank again, but maybe not.

Did you know there’s an actual department waiting to receive your damaged Franklin’s (yes, your Washington’s, too)?  Yep, the cash from Jenny’s jeans you accidentally ran through the washer or the shredded moolah from the wallet you accidentally mowed over last Saturday morning could be returned to you for full value if:

  • Clearly more than 50 percent of a note identifiable as United States currency is present, along with sufficient remnants of any relevant security feature and clearly more than one-half of the original note remains; or, (https://bep.gov/services/currencyredemption.html)
  • Fifty percent or less of a note identifiable as United States currency is present and the method of mutilation and supporting evidence demonstrate to the satisfaction of the Treasury that the missing portions have been totally destroyed.   (https://bep.gov/services/currencyredemption.html)
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