Donkeys Savings Tip of the Month

Save at mail order pharmacies

Why is there still so much month left at the end of the money? Do I have to freeze in the winter because everything has become so crappy expensive? Not everyone is lucky enough to be able to fish 4-digit sums out of the sofa corner of @Barsten to be able to fish. For everyone else, it's going to be tough. But don't worry, with the donkey's saving tips you can still afford carrots, coke and hookers in winter.

Many of you may already have noticed: Mail-order pharmacies are often much cheaper than stationary pharmacies. In addition, there are no travel times and possibly transport costs. The smart spenders among you certainly already use mail-order pharmacies extensively. And then there are colleagues like @GoDividend who also offer cashback. So the lowest price can be achieved, right?

No! Mail order pharmacies advertise low costs and are subject to a tough price war. If you use a price search engine like https://www.idealo.de/ to search for a drug, the pharmacies have to compete directly against other low-cost providers and thus undercut each other. The pharmacies want to attract new customers. If you surf directly to the website of your mail-order pharmacy - for example, because you are an existing customer - the pharmacy is not exposed to such great price pressure and charges higher prices.

An example (retrieved on 09/14/2022 around 6:30 p.m.): Would you like to buy from https://www.medpex.de/ Sinupret and surf directly to the website, 40 Sinupret extract tablets will cost you 19.99 euros. However, if you search for Sinupret extract on Idealo and then click on the Medpex offer, you will get a price of 16.48 euros (see screenshots at the end of the article).

By entering via Idealo, you save almost 20% even as an existing customer compared to the "regular" price, which you get if you go directly to the website. About https://www.shoop.de/ there is currently only 8% cashback for new customers and only 3% for existing customers - and that only on the net value of goods.

By the way, this example can also be used for many other mail-order pharmacies. At Doc Morris, I was even shown 3 different prices for the same product - depending on whether I was directed via Idealo, by calling up the website directly or via a cashback site like Shoop on https://www.docmorris.de/ (see screenshot). Of course, I also got the best price here via Idealo.

What do we learn from this?

✅ Order medicines via mail-order pharmacies.

❌ Use cashback sites for mail-order pharmacies

✅ Also enter as an existing customer via Idealo

You're welcome.

Your SparfuchsDonkey

#esel
#versandapotheke
#cashback#spartipp
#spartipps

Have today ne discussion with a work colleague had how much money I spend in the month for food. Since I noticed that is clearly too much, especially since now everywhere the prices have exploded. A kebab costs now simply 7 € 🆘🆘🆘 therefore #nextlevel
#spartipp : No longer go shopping without a plan and no longer order food out of convenience. Since you come quite quickly from the 7 € to 2-3 € per dinner.

After @markusnowak has asked for a few more savings tips I join him and also suggest one #spartipp suggest.

My savings tip is also times to the NoName products to reach than always only branded products to buy. Relatively simple but effective. Whether it is the muesli in the morning or the Tshirt to put on under the sweater - there are many ways to save. The only thing where I would rather pay attention to quality is for example fruit, vegetables and things that are important for your health.

So that we collect a few more savings tips: What are your saving tips @MAXICONRAD
@MitVerstandzumKapital and @leveragegrinding ?

Since I have seen yesterday and today a few savings tips in the feed and think that this makes a lot of sense in the current time, I wanted to give also times my #spartipp Price give. And no it's not the classic shorter shower like the Habeck 😂

My savings tip for you would be that you get a spending app (just search in the AppStore. I use the app that is simply called "expenses") and your expenses dry. Otherwise, of course, it also goes with Finanzguru automatically. I believe that through that you treckt the significantly more awareness is created for it and you deal better with your money.

So and so we get here a few more savings tips I'm curious what @markusnowak and @Boersenape say about it

Cool that you think I would have savings tips 😆

Being a very impulsive and spontaneous person, my weekly spending varies extremely. That's why I don't set a weekly budget, however, a good overview of the total expenses is the A & O for me to achieve my savings goals regularly (So agree here @MisterWorldWide with Finanzguru).

I find saving 2-3 € more by doing without things that are dear to you, neither good nor effective to have more in the account at the end of the month (especially if you look at it in relation to costs like gas). Instead, I save money with the following things that I would do anyway:

a) CyclingI don't do this for financial reasons, but by riding my bike exclusively, I save the costs for the monthly ticket. In Berlin, you can get everywhere by bike and also do a little extra sport.

b) Pre-cookingIt's just absurd what the difference in weekly spending is with pre-cooking vs. ordering food daily to the office. Most importantly, I find that home cooked tastes better than ordered. Instead, I go out for a fancy dinner on the weekend for the money I save.

c) CashbackPayback, Amex etc. offer great ways to profit twice from the money you spent. Since I travel a lot, I can occasionally save some money on flights.

What do you think? Any other #spartipp's that I have forgotten?

@_Gonzo
@InvestmentPapa
@KapriolenSonne

#Low-income earners and still save and invest more?

• Review your expenses: Take stock of your expenses and consider where you can make savings. Look at your monthly expenses such as rent, groceries, transportation, phone bill and entertainment. There may be ways to save here and there, such as by choosing less expensive options or cutting back on unnecessary expenses.

• Set a savings goall: Set a realistic savings goal, such as saving a certain percentage of your income each month. It's also a good idea to have a goal for what you want to save for, such as an emergency fund or a new car.

• Automate your savings: Create an automatic savings plan by automatically depositing a set amount each month into a savings account or investment platform. This way, you won't have to save manually and you'll ensure you reach your goal.

• Avoid debt: Try not to accumulate unnecessary debt. If you already have debt, create a plan to pay it off as soon as possible.

• Consider alternative Sources of Income: If possible, look for ways to generate additional income, such as working part-time or selling things you no longer need.

• Invest in yourself: Improve your skills and knowledge through training, courses or certifications that will help you advance in your career and potentially earn more.

#invest
#investieren
#sparen
#spartipp
#chatgpt

I find the savings tips that are shared here quite nice. Mine would be existing contracts times with check24 or other tools to compare. There is certainly also a lot to get out with the one or the other!

What are your #spartipp's @RisingAktie and @Boersenbeginner ?

THERE I should have run my short after the FOMC meeting but times 🙄

#spartipp from me: Do not use warrants! In the end, it costs 99% of those who use it money and they lose with it.

So have a nice weekend 😎

#spartipp Get all the delivery apps (Gorillas, Flink, Wolt, Lieferando, Getir, Uber Eats and the like), then get your food paid for often up to 50% by white rich men.

#kapitalismusfunktioniert