Texting while shopping is not only safe -- it's downright smart for shoppers who want to save big money on purchases. Whether you shop online or in the store, you can find great discounts via text if you join the mobile clubs of restaurants, local shops, and large retailers.

Once you join the text club, the retailer will send exclusive coupons and deals straight to your mobile phone. In most cases, you'll simply show your phone to your cashier to get the discount. It's important to keep in mind that some companies are steering away from text clubs and prefer that you download their mobile app instead. This is a great way to save money as well. It may actually be better if you prefer when to browse for deals only when needed rather than receiving alerts at random times of the day.

Many of these businesses also offer loyalty programs that have additional benefits. They are certainly worth signing up for if you shop at a certain store or restaurant often. If your favorite stores and restaurants aren't listed here, visit their website to see what deals and programs they offer. It's hard to find a large business that doesn't have some sort of savings program.