Don’t Buy a Friend a Gift Card
You’re at home watching tv and you get a message from a friend. She needs help. She is trying to buy a gift card for her nephew, but can’t buy the card online. She’s traveling, so she can’t meet up with you, but can you go to the grocery store and pick up a gift card for her? She needs it while she’s traveling, so you’ll need to send her the card number and the PIN and she’ll pay you back when she gets home.
We all do little favors for friends, right? Well, this one is a new scam going around. The scammers are pretty savvy – the stories sound legit and after all, you’re being contacted by your friend, right? Well, it’s very possible your friend’s email has been hacked and that’s how they’re emailing you.
If this happens, reach out to your friend in another way to find out if the story is true. Generally speaking, it’s probably not. After all, that’s a lot of trouble to go to when your friend could just gift cash to her nephew instead.
Don’t Buy Fake Coupons
Counterfeit coupons are nothing new, but things have gotten more sophisticated as part of the latest scams you should watch out for this 2022.
You’ll see an ad online, either through social media or a web search for a company that claims to have coupons that will provide huge discounts on products you use regularly. All you need to do to get the coupons is sign up for their service, which has a monthly membership fee. The coupons they send you will be fake, and now the scammer has your contact information and credit card information.
How to avoid this scam? Is it too good to be true? Then it’s probably fake. Also, do a quick search for “coupon scams” and the company you’re looking at. That should give you a good idea. And most importantly, don’t buy coupons. In many cases, it’s against the terms of the coupon itself.
Selling an Apple Product? Beware!
This is a unique scam and definitely one that I understand how people fall for. You are listing an iPad, iPhone or other Apple product for sale, let’s say it’s an iPad for this scenario. You’ve already wiped it of all of your data. You find a buyer and they want to meet up with you to buy the item. Great! When you meet up, they want to see the iPad and make sure it works. That makes sense, right? After all, you don’t want to buy something that doesn’t power up. So when they open the iPad, they start looking to connect it to their iCloud account, ostensibly to make sure that it’s not locked to someone else’s account.
But that’s the problem. As soon as they connect it to their iCloud account, it’s locked to their account and you can’t get back into it. And unless you have proof of purchase, Apple’s not going to help you out with unlocking it, because how can you prove that you didn’t steal it. Frequently in these cases, the people don’t even try to steal the iPad, they just charge you to unlock it from their account. It’s a great scam, as they aren’t technically stealing anything. It’s definitely one of the more unique latest scams you should watch out for this 2022.
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Megan is a 40-something government employee in the Washington, DC area. She got interested in Personal Finance when she got out of college and realized that her paycheck wasn’t going to go as far as she had hoped. Since starting this blog, she has managed to buy a house and make a solid start on her retirement goals, and hopes to help others do the same. Here is her story:
In 2007, I was a gainfully employed 20-something with no debt but not a lot of knowledge about personal finance. It was a co-worker’s comment about Roth IRAs that sent me to the internet, searching for information. It was then that I realized that I really didn’t know a whole lot about personal finance and that my current financial situation was due a lot to inherent frugal tendencies, generous family members, a fear of debt, and good luck. While that was working for me, clearly I needed a better plan.
While I had no debt, I was also pretty much living paycheck to paycheck and not worrying about going over budget (I say this as if I had a real budget) because I had an emergency fund set aside to cover any overages.
Except that’s not what an emergency fund is for.
So I did a lot of research, read a lot of blogs, and decided that I needed a plan. I needed to budget. I needed to know what I was spending my money on. I needed to prepare for the future.
I decided to create a blog not only to make myself accountable to others but also to share the knowledge that I gained along the way. I’ve learned so much from my fellow bloggers, and I hope that my readers can find something useful in what I have to share as well.