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Save money, but spend safely

With more and more people using mobile devices to shop, it's easier then ever to knock those school supplies off your list, but buyer beware, says Samantha Gillihan of the Better Business Bureau.

"Where there's money being spent, there's an opportunity for scammers to get to your personal and financial information," says Gillihan. "Scams that target mobile users are on the rise, often found on social media in the form of phony coupons, gift cards and paid surveys. These links will take you to websites that ask for your personal information, bank card numbers and sometimes download malware onto your devices."Gillihan says unsolicited text and email links are a popular way for scammers to lead you to an unsafe site where, again, your device is susceptible to malware."Deals that promise low or no cost downloads for textbooks and other media your student might need are another way to lure to an unsafe site," Gillihan says. "While almost everyone gets coupons and sales notifications sent to their email, it's important to remember that scammers can easily duplicate a legitimate company's branding. Double check the sender and opt to visit a retailer's page directly instead of using links in emails."And remember, businesses don't typically give away merchandise or gift cards for nothing more than a quick survey, she says. Check known websites for possible giveaways and scroll past the phony offers on social media."Research those sale prices. Discounts that seem too good to be true probably are. Online shopping should be done only with verified businesses that have encrypted sites. Look for the HTTPS," says Gillihan.One more thing."When shopping with verified retailers, be sure to review the return policy carefully," she says. "Sale items may not be refundable and higher ticket items, like laptops and other electronics, may require a restock fee."