Have you ever been browsing online and seen an ad for something you searched for just the other day? Kinda creepy, right?
Using the power of retargeting, marketers can continue to show you ads when you leave their site. That new gadget or piece of clothing that you decided to pass on can follow you all over the internet — and may even sway your behavior.
The internet knows a whole lot about you and your behavior. In fact, some companies have seen 50 to 60 percent conversion rates from retargeting ads. While this can be good for marketers, it can influence you in ways that you might not even realize as a consumer.
On top of that, the internet makes it easier to spend than ever. In a matter of clicks, you can drop some serious cash without a second thought.
When you’re trying to pay off debt and stick to a budget, the last thing you need is to be pushed to spend more. Luckily, with a few changes to your browsing behavior, you can remove these unnecessary temptations.
1. Use a private browser
One way to keep some information to yourself (and away from marketers) is to use a private browser. Specifics differ depending on which browser you use, but using a private window typically means that your browser’s history, cookies, and search data aren’t saved after you close the window.
This can help limit the information you share and prevent sites from using cookies to store your data. In some cases, it saves you money, too.
This is a sales strategy used to worry prospective buyers. They want you to think that the prices will keep shooting up if you don’t buy quickly because demand is high. As soon as the site thinks you’re a new customer, though, the prices usually go back to where they started.
2. Install ad blockers
Want to minimize the ads you see online or block all those annoying pop-ups? Consider using ad blockers for a better browsing experience. Using ad blockers can reduce shopping temptation and ensure that you aren’t being bombarded by ads everywhere you go.
I use Adblock Plus, which is completely free. You can also use their Adblock browser for your smartphone or tablet. There are some websites that won’t allow you to access their content while you’re using an ad blocker, but you can manually pause the ad blocker on a specific page if you need to access it.
Note that ad blockers won’t prevent companies from collecting your data. But at least this way, you won’t be forced to look at their ads.
3. Never save your credit card info
If you frequent certain sites, the website or your browser might suggest saving your credit card info. This will save you a few minutes the next time you shop — and that’s exactly the problem. It makes it far too easy to spend without even thinking about it.
Having to manually put in your credit card number each time is better for your account’s security. Plus, it can make you think twice about what you’re purchasing. If you’re constantly overspending when shopping on the web, never save your credit card info.
4. Clear your browsing data
You probably like to keep your home tidy — why not do the same with your computer?
Clear out your browser data and start fresh. Manually deleting your browsing history and cookies may help prevent retargeting. In order to avoid having to manually sign in to all of your favorite websites, deselect the “passwords” checkbox when cleaning your browsing history.
What really matters is deleting your browsing history and cookies. Both of these things can leave a trail for marketers indicating where you’ve been and what you’ve searched for. You don’t have to clean your browsing data too often — but definitely do so before making a purchase, just in case.
Continuing to use ad blockers and a private browser after that can limit the cookies that sites store on your computer and some of the information you share when browsing the internet.
5. Stop online tracking
Your web browser can track your every move with or without you knowing. This data can be used by advertisers to send you information and relevant ads. But you can stop online tracking using an extension such as Privacy Badger.
If you use Chrome, you can go to Preferences > Advanced Settings > Privacy and select Send a “Do Not Track” request with your browsing traffic. You may also want to alter your Facebook tracking. Facebook has a ton of information about you which is readily available to advertisers — that’s why you sometimes see targeted ads in your feed.
If you want additional privacy and to avoid temptation, you can change your ad settings on Facebook by going to Settings > Ads > Ad Settings and then change your ad settings based on your preferences. You can also change your ad personalization settings on Google. While this won’t stop ads from appearing altogether, it can help limit what you see.
Changing simple ad settings can protect you
Making some simple changes can protect some of your privacy and limit some of the ads you see which can be a good thing. Let’s face it, staying focused on your financial goals is hard enough.
Having access to the internet can mean entering a world of nonstop temptation. But making a few shifts in your browsing behavior can limit ads, reduce temptation, and improve your finances.
Using these tips you can learn how to block pop-ups, change ad settings, remove adware and more. Doing so can give you more control over your web experience and could help you keep your finances intact.
But that doesn’t mean you have to forgo online shopping altogether. Just be sure to use these money-saving browser extensions to get a good deal, too.
Interested in refinancing student loans?Here are the top 6 lenders of 2019!
|Lender||Variable APR||Eligible Degrees|
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for SoFi.
2 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.50% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of April 17, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 04/17/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on our student loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
3 Important Disclosures for Laurel Road.
Laurel Road Disclosures
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
All credit products are subject to credit approval.
Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.49% effective March 10, 2019.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.50% – 7.27%1||Undergrad & Graduate|
|2.50% – 7.12%3||Undergrad & Graduate|
|2.81% – 8.79%4||Undergrad & Graduate|
|2.50% – 6.65%2||Undergrad & Graduate|
|2.55% – 7.12%5||Undergrad & Graduate|
|3.00% – 9.74%6||Undergrad & Graduate|