(Disclaimer: I am not affiliated with these three companies, except as a member)
Ensogo

Beeconomic

CashCashPinoy

All of these sites accept payments either thru credit card, Paypal, debit bank account, or over-the-counter payment (thru a bank). Then you get emailed a voucher you can print and present to the merchant to claim the deal.
Now, what are some of the things that you need to consider when using sites like these? A few tips:
1. A good deal is a good deal only if it's something that you would probably be spending within the foreseeable future or within the deadline of the deal, whichever comes first. A significant number of deals in these sites can still be costly even with the discounts. A good rule of thumb is that the deal would be something that you would probably be spending on anyway. In that case, you really are lowering your expenses. Of course, you may want to get the deal to treat yourself. That's well and good, for as long as you are aware of such a decision and you aren't going overboard by having too many of them. In a sense it follows the same principle of getting freebies from credit cards, which I talked about here.
2. Be aware of the reputation of the site itself and the merchant they partnered with. In most cases, the site is a reputable one, but they can have partnered with a merchant that became unsavory with the customers. You can get a feel of it by checking out the discussions, or by making a general search on the quality of the merchant (a simple Google can often do that).
3. Be aware of the charges when you make your payment. If you are paying by credit cards, it's good that you do not let any interest grow on it by not paying within the cycle. Charges against your deposit account can also entail some fees, though they are often minimal.
4. Lastly, do remember that you purchased something! This may not be that obvious a reminder when you've just made your purchase. But if you are planning to use your voucher for a much later date, you just might need to set yourself up a reminder. Otherwise, you may end up losing on a good deal altogether.
If you've made a purchase through the above sites or you know of similar ones, do share your experiences with us. Or you can click on any of the pics to get to their sites and get yourself an account.
Be Wealthy!
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