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The internet is one of the most important and easiest-to-use tools of our time. Using the internet wisely can help you save time and money.

But what if I cant afford the internet at home?

You can always access the internet from your public library, your school library, or a friends house. If you plan to spend long hours on the internet, consider going to the local college to use their computer lab. Some computer labs are password protected, and others arent.

You could also choose a cheaper connection. Many of the premium internet connections are overpriced. You can get a mid-speed connection for very reasonable rates.

Research

You can use the internet to research everything. You can research if you are being paid enough at your current job. If you find that you are being underpaid for the market, you could possibly ask for a raise, bringing with you up-to-date proof that your skills are a more valuable asset than the company admits.

If you are starting out with something that you are not that familiar with (for instance, getting a loan), you will want to find websites with information that can help you on your way. Gaining information will save you time, because you will know what you are looking for. As you know from finding this article, there are articles on almost any topic on the internet. The more you know, the better deals you will be able to achieve.

Shop Around

It used to be that shopping around was a time consuming (and gas consuming) event. Now, you can determine what store you want to visit at the click of a mouse. Before you make any major purchase, you will definitely want to use the internet to research your options. You can compare major brand prices on the internet. Check out the different home pages for varying information, for instance, on cell phones.

Oftentimes there are consumer guides available online that will help you with your comparisons. You can read reviews of products by other consumers. You can find out things that the salesperson isnt likely to tell you. Third party comparative sites can be very helpful for you in framing your research.

Even if you are not buying something tangible, like a car, the internet can help you decide. The internet will have current investment rates for all the major banks, and it will have rates for other items like insurance.

The internet not only allows you the opportunity to compare different prices, often there are online comparison calculators. Use these calculators to your benefit, but always get a second opinion.

Buy Online

Just because you have researched your purchase online doesnt mean that you have to buy it online. However, you might consider making a major purchase online if you trust the seller and the price is right. Often, shopping sites like eBay or Overstock can help you find better deals than you would in stores.

Websites like Indigo or Staples often offer the same items they do in their store. However, they might have bargain deals on their sites that are not available in-store.

Remember: when you are making an online purchase, you need to take into account the shipping costs and taxes. These can often make what seems like a great deal online into an unwise purchase. You should be able to easily find out the shipping costs, or else dont buy the item.

Buy Electronic

Sometimes the items that you buy online will be electronic. It will cost you less to buy an Antivirus program that you simply download, than to buy the equivalent CD. Would you rather download an album or buy it at the store? Do you prefer e-books or books? Would you rather read your morning paper online? Consider electronic alternatives for your purchases to save you time and money: these purchases are often just a click away.

Also: if you dont mind reading e-books, you can check out many free books online (from Project Gutenberg) whose copyrights have expired. Read the classics for no cost.

Make Money Online

Use the internet to make you money, not just save you money! You can use the internet to advertise for your company, or to post upcoming events. You might even consider working for an internet-based company. If you feel entrepreneurial, you can start an eBay store and make money that way. There are many guides on how to make money using the internet. Just be sure not to buy into any scams.

Caveats

When you are researching anything on the internet, you need to judge the validity of the source you use. Three of the major points for judging sources are content, currency, and respectability. Is the sites content what you expect, or is it reasonable? Is the site current? There is not use looking at pages from 1998 because those prices will be out of date. Is the site reputable? Is it a site that you have heard of, or is it affiliated with a company you have heard of? The site might even be written by someone you know. Before taking anything on the internet as gospel, ask yourself these three questions to judge the validity of the site you are viewing.

Do not make online purchases unless you feel comfortable. If you dont feel comfortable using your credit card online, then dont. Make sure that you only give your information to websites that you trust.

If the old adage time is money holds true, watch that you dont spend all of your time on the internet. You dont want to waste your valuable time that you can spend in other ways, though investing a little bit of time online often pays off in many ways.

Although you have to be wise when you use the internet, the internet is a valuable tool that can help you on your path to financial success! Happy Surfing!
Morgan James is the editor of http://www.theguideto-loans.com/debt-management/. Check out the guide to loans for more information on how to save money, how to get money, and how to find financial satisfaction.

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