Club Cards: An Easy Way to Save Money

Every time I teach a couponing class, there is one person who announces that they are too busy or important to print or clip coupons. They need to save money but it can’t be too hard or involve any actual work.  Basically they are lazy but won’t cop to it.

For those people, I ask them if they are too busy to spend 5 minutes filling out a form that can save them thousands of dollars over their lifetime. Most people say that they would spend 5 minutes to save thousands. I present…. The store club card.

This is my keychain. img_9216Yup. I have tons of club cards. Grocery stores, drugstores, restaurants, office supply stores, department stores, movie theaters. There are even more in my wallet for those stores that don’t have a key fob. I save money where ever I go, and you can too. These cards are free to apply for and use.

Stores utilize the information they gather when consumers scan their cards to look at shopping trends. Grocery companies look at sales trends to help them decide what items should be sold, put on sale or completely discontinued. Cards also offer information about what each consumer purchases, and coupons tailored to the individual cardholder can be mailed or emailed to each card holder.

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Two of the coupons I loaded to my Shop Your Way Rewards Card

Most stores allow you to link up your card number to an online account, and you can add coupons to your card (via the store website or app) to save you even more.

Sears and KMart have a great program called Shop Your Way Rewards. You earn points on every purchase and points are converted to dollars off future purchases. They have coupon on their website all the time!

Both Vons and Ralphs have easy to navigate apps where you can load coupons to your card, including quite frequently freebies (Ralphs has a Free Friday Download most Fridays). Ralphs sometimes has games you can play online to win free grocery items. I won Goldfish crackers and BBQ sauce last week, which just two clicks of the mouse!

Regal Cinemas has the Regal Crown Club. Download their app or visit a local theater to pick up a card. Present the card to be scanned at the box office and when you buy concessions and earn points that you can redeem on free snacks or tickets. The points add up really fast!

Some clubs like the Ikea Friends and Family card offer discounts and extra perks.. check it out:

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With these clubs, if you do not present the card or your phone number, you will not receive a discount, which is usually advertised at the sale price.  Some stores don’t even require that you present your card, you can just punch your phone number into a Credit Card terminal or give it to the cashier.

Later in the week, I’ll share with you my favorite club card and how I use it to get free gas every month!

What is your favorite club card?

 

 

School is Back in Session- Time to Start Saving!

Bus2I don’t know about you, but when I’ve got both kids home all the time, it’s a lot harder to keep on my frugal goals.

I’m all about taking advantage of local free and cheap fun (like events at our local library or community center, local parks and splash pads), but for some reason summer vacation always distracts me from frugality. Maybe is the 100+ degree temps we’ve been having most of the summer.

Well, we are into our second week of school and I’ve re-committed to my frugal lifestyle for my family.  Here are just a few things I’ve done over the past two weeks:

  • Meal Plan using what’s on hand in out cupboard before heading the the store. I’ve also planned out school lunches too!
  • Committed to taking drinks with us when we leave the house.  This doesn’t sound like a lot, but when it’s over 100 degrees in the shade, we go through a lot of water on our daily adventures. Check out the cool growler I got on Amazon. It’s supposed to be for beer, but I fill it with ice cubes and water each day and it comes with me in the car- it’s an easy way to get your 8 glasses in! I also take iced coffee with me in the morning to school drop off.
  • Set a schedule for Bitty Bird and I.  Again, a schedule doesn’t sound like a way to save money, but now I know what we are doing each day after Big Boy is at school. I have time each day while she is napping to write, research, and do Amazon Reviews.
  • Plan out shopping trips a little better.  Now that I don’t have two extra sets of hands helping me shop (especially a 5 year old who is constantly near death starvation when in proximity to a grocery store), I can look at ads, check my smartphone apps for rebates and deals. I also have more time to print coupons! This really saves me money (and time).

Now that school has started, I’d love to hear how you’ve recommitted to your goals (whatever they might be).

 

Freebies!

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Everyone loves free stuff, and everyone loves opening their mailbox and finding something besides bills!

Here are just a few of the cool free samples and goodies that I’ve found online!

 

If you’ve found freebies online recently, please share a link in the comments section below!

New month, New Coupons!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite website is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks!

Here are just a few of the new coupons that have me excited:

$0.55 off one Nature's Harvest
$0.55 off one Stauffer's Great to use at Dollar Tree for some low cost snacks!
$0.75 off any 2 Meiji
$1.00 off 1 JENNIE-O Turkey Breast from Deli
$1.00 off one The Laughing Cow

The new Freedom Tower at Legoland California- And a great deal!

If you follow me on Instagram, you saw that Lil’ Man and I hit up the town on Thursday- The Legoland Mini-town that is.

Screen Shot 2016-07-03 at 9.01.31 AMOn June 30th, Freedom Tower, the Miniland version of the One World Trade Center was revealed! It’s pretty amazing! It’s built with 250,000 Lego Bricks! It weighs over 1000 pounds, stands over 26 feet tall (that’s the tallest lego structure in the US!), and it took 8 Master Builders 1200 hours to complete. It’s breath taking!

In addition to the Freedom Tower, there are replicas of the 9/11 Memorial’s twin reflecting pools, the grove of memorial trees, and the World Trade Center Transportation Hub.

Here are some views from the Coast Cruise ride:

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Little Man’s hand at the bottom- practicing his Vanna moves.
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Awesome panoramic photo of MiniLand!

If you don’t have plans for the 4th tomorrow, Check out the Legoland Red, White, and Boom!

Don’t miss Fireworks set to a patriotic musical tribute with great viewing in designated locations throughout the Park. Throughout the day, kids of all ages can enjoy performances, meet their favorite LEGO® Friends and Characters, and participate in all-American family picnic games, like water-balloon tosses, burlap sack races, the Family Build Challenge and LEGO Hamburger relay.

The celebration lasts from 1:00pm to 9:00pm with fireworks at 8:30pm. All Red, White and BOOM! activities are included in the cost of admission to LEGOLAND California.

Speaking of Admission, here is the deal I alluded to earlier… When you buy one Legoland Play pass at regular price, you can come back to play the rest of 2016 FREE! Enjoy unlimited admission now through December 25, 2016 to LEGOLAND California. For details and to purchase, click here. 

 

Our Rockin’ Party at Rockin’ Jump!

Me and Bitty Bird getting our jump on!
Me and Bitty Bird getting our jump on!

Lil’ Man’s Birthday is in March and Itty Bittums turned one mid-June, but I’m never one to turn down a party! When Rockin’ Jump offered me a party for 10 jumpers in exchange for a review, well, I jumped at the chance!

Screen Shot 2016-06-30 at 4.58.31 PMThe party was so much fun! We had 9 jumpers, and we bounced, jumped, and played for 90 minutes. In addition to the Open Bounce area, There is the X-Beam, Dodgeball, basketball, Stunt Bag Arena,Vertical OPS Climbing Wall, and mini golf! Mini Golf wasn’t included in the party package, but you can add it for an extra cost.Screen Shot 2016-06-30 at 5.00.33 PM

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YUM!!
YUM!!

Then we retired to our private party room for pizza and drinks. The parents enjoyed a pitcher of Diet Pepsi, and the kids had Capri Sun’s. You can bring in your own cake, so not one to pass up a chance to eat cake, Lil’ Man asked if I could bring one. So I did. It was soooo good. It was from the nearby Gaemme Bake shop.

The kids had an AMAZING time. I got lots of texts and messages via Facebook afterwards letting me know that the kids took naps in the car or spoke of nothing else but the fun time they had bouncing.

Having done a lot of research for party venues, I am completely impressed with the value that Rockin’ Jump offers! It’s clean, well-maintained, and the party package is perfect for any busy family! You even get an editable email invitation to email out for your party!

No clean up, no food to prepare (other than the cake you bring), no games or prizes to think about, in other words: no hassle! You even get your own party host (ours was Stevie- he was super nice!).

There are discounts off the Ultimate Birthday Package, Jump Time and Jump and Mini-Golf combo’s! Find all the great deals here.

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PIZZA!!! Even Bitty loves it!

I received this party for free from Rockin’  Jump and USFG in order to facilitate my review. All opinions are my own, and all of the photos are courtesy of Christine Boyce at Clicks by Christine!

Extreme Couponing Tips for everyday shoppers!

DSCN1032[1]So if you know me in real life, you know that I LOATHE that TLC show. It’s crazy, and most most reality shows, it bears little semblance to reality. So I was stoked when it was cancelled! But like most things in life, it lives on in re-run and of course, on the internet!

What I don’t like about that show is that most of the stores show double coupons, when in real life (esp. in CA), there are very few stores that do.

That being said, I wanted to share some tips with you that will help you get the most bang for your shopping buck.  You *could* call them, my Extreme couponing tips. I can’t promise that you’ll walk away with 115 mustards or 7,000 toothbrushes gratis, but you might have a little more than you have before.

  1. Shop at a store that allows overage (click on that link for more info about how to use overage and what it is). In my area, the only store that allows overage is Wal-mart.
  2. Sale Price+ Coupon=rock bottom price.  About 99% of the time, during the dates a coupon is valid, the item will be on sale. Wait until the item is on sale, then use your coupon.  You’ll be saving a lot  more.
  3. Buy Multiples: It’s great that you are able to combine the sale price with a coupon, but the real ticket to savings is buying more than 1 of the same item.  That means you’ll need multiple coupons. You can either purchase multiple Sunday papers or do what I do: trade coupons with friends and family. A lot of people don’t understand buying more than 1 items on sale with a coupon.  If the item is something you use frequently (for example, salsa) and you are able to get 5 jars for .50/jar, and they are usually $2.50/jar, why wouldn’t you buy 5 for the price of 1?  Just keep the rest in the cupboard, and use them as needed.  If you were to only buy one, use it then head back to the store, you’d be paying full price.
  4. Get a grocery store Club Card for each supermarket you shop, and pick up a CVS Extra Care Card. The cards entitle you to discounts on merchandise or an accumulation or points or special rewards for buying specific merchandise. Club cards are also referred to as a loyalty card, a rewards card, a points card, or an advantage card. Most stores have a Club Card, check with your local supermarket. These cards are free to apply for and use.  Club Cards typically have a barcode or magnetic stripe (like a credit card) that can be easily scanned. Cards are issued after you fill out the application. Many times the card is linked to your phone number. If you forget you card at home, give the cashier you phone number, and you are still entitled to the same discounts and card advantages as if you had presented your card.
  5. Build up a stockpile of items you use frequently: The sales cycle for most items is 3-4 months. If you are able to buy the items that your household uses the most on sale with coupons, you should buy enough to get you through until the next sale.  That means never having to pay full price again. I recommend doing an inventory of your stockpile and keeping a checklist inside your pantry door.
  6. Be Organized!  I don’t throw away my coupon inserts after I clip what I want.  I keep them in a plastic file box, organized by week.  If an item goes on sale and there is a corresponding coupon, I can quickly find my coupons and clip. 
  7. Buy the smallest/cheapest sized item allowed with the coupon. It can result in overage. Here is a great example: A few years ago, Lisa over at Drugstore Divas clued us in on a John Freida hairspray deal and I was able to pick up some free groceries, including fruit and veggies with the overage I received.
  8. Use your Google-fu! Find out what is free or better than free (aka a Money maker) by googling “what is free at (insert name of store) (current Month and year)”. Paul over at I Heart The Mart has an awesome list of items at Walmart for $1 or less. Many other websites/blogs do as well.
  9. Use a Coupon Database to locate coupons in inserts when you see a deal online that mentions a coupon, but not which date or which insert the coupon comes from.  I like Couponmom’s Coupon Database– it’s separated by state!
  10. Once you are ready to go, be organized. I make my list by store, by aisle. ut your coupons in order. Attach them to your list, and print a fresh copy of the store’s coupon policy too. When I arrive at the store, I go up and down every aisle. I am always keeping my eyes peeled for unadvertised sales, mark downs, tear pad coupons, blinkie coupon machines. If nothing else, it’s good exercise pushing a shopping cart around!
  11. My personal favorite method to save money is to take your shopping list to the 99-Cent or $1.00 store and see what you can score for less.  99 Cents Only does not accept coupons, but Dollar Tree does. You’d be surprised what you can buy for only 99 cents or $1.00! I buy Lil’ Man’s name brand Soy Milk by the Case at 99 Cents Only and I save $2.00 per QUART over shopping at Ralphs. That’s a total savings of $20.00 a week, or $1040 per year!
  12. Don’t be frazzled! It’s ok. Stuff happens, coupons don’t scan, you get a surly cashier. If the coupon won’t go through, don’t be afraid to have the cashier take the item(s) off your order. Don’t be afraid to speak up and ask for a manager.
  13. Don’t forget sales tax!! In CA, you have to pay sales tax on taxable items, even if they are free after coupon. It’s lame, but true.

What are your Ultimate tricks and tips for “extreme” savings?

Couponing Myths: Debunked!

In the spirit of helping others learn to coupon, I’ve been posting some Couponing 101 post over the past week or so. Today I want to continue by debunking some myths surrounding coupons and couponing!

Myth #1: There are never any coupons for fresh fruits, veggies, or food for my special diet!!! Au contraire!

You just have to know where to look!   There are lots of printable coupons for these items.

And don’t forget your couponing and rebate apps! Check out a list of my favs here. Did you know that Sprouts has an app too? They have all kinds of coupons for dollars and cents off stuff you actually buy.

Myth #2: It takes too much time to coupon!  By the time I clip all the coupons and visit all of the stores with deals, I will have wasted all of my savings on gas!

I would like to kick TLC in the Butt for “that show”.  It portrays all couponers as crazy people with oodles of time on their hands who just clip and file in their binders.   When I go to shop, I check the deal sites (I like Grocerysmarts.com, I can make lists, print coupon, and check sales at all of the stores in our area all in one website!), make my list, grab the coupons I need, put the coupons and list in a separate zip lock bag for each store.

I bring a pen, calculator, my small coupon wallet (it lives in my purse all of the time!), my pad of paper with all my deals, lists, and scenarios on it and I am ready to go.  It takes me less than an hour to prep for a shopping trip.

I visit one grocery store.  That’s it.  Sometimes, I’ll go to a drugstore, but only if the deals are sooo good and are free or have a very low OOP. I don’t roll rewards or go to more than one store each week. I don’t have the time.

Screen Shot 2016-06-21 at 4.16.08 PMAt my coupon classes the bottom line I teach is: Couponing can take as much or as little time you want to put into it.  My blog and classes try to make it as easy for you as possible.  I want you to have the tools to make saving your family money easy.

I don’t clip every coupon every week.  I don’t have a binder. Here are pics of my coupon wallet!
It’s served me well over the past 9 years. The tabs are in order of the store I frequent, and I stick my sticky backed coupons to the inside front flap. I bought it at Walmart for $1.97.

Myth #3: You don’t really save money with coupons!

My grocery bill has gone down from $200/week to $75/week thanks to coupons and strategic shopping! Once I started using coupons in conjunction with store sales and eating food that was in season, we have saved $6500 in a year. We eat better food than we did before!

 

Myth #4: Store brands are cheaper.

Here is a recent sale that I took advantage of- this demonstrates that with a good sale and a coupon, you can purchase name brand items for less than the generic price.

*Store brand High Protein Cereal/Granola (Generic Kashi) $2.99

*Kashi $3.49

-Coupon for Kashi $1.50 (from Vocal Point)

-Name brand price with coupon $1.99- With a coupon and a sale, I save $1.00 over the identical generic item!

Myth #5: Couponing is for poor people.  (this one really bugs me)

Recently, a study on coupon usage was conducted by the Neilson Company, and they discovered that people making $100,000 or more were 25% more likely to use coupons than those making $25,000 or less. It also profiled the average coupon clipper as being a woman earning $50,000 a year. And really, how do you think rich people get rich?  By saving their money!

Myth #6: A cashier told me when I use coupons, I am stealing money from stores!

That is a LIE. It’s not even a myth, it’s a lie. Grab a coupon and look at it. Screen Shot 2016-06-21 at 4.23.38 PMSee where it says Retailer in bold? Next to it the coupon reads: “Abbott Nutrition will reimburse you for the face value of this coupon plus 8 cents handling when submitted in compliance…..”.  The bold is my emphasis.

So as you can see, the store will be reimbursed for the face value of the manufacturer coupon, plus 8 cents PER COUPON. All coupons have similar language.  The industry standard handling is 8 cents per coupon.

Imagine how many coupon your average grocery store accepts in one day.

Also, when a store puts items on sale during the time a coupon is valid, the store expect you to fill your cart with other stuff that’s on sale.

When you buy an item that is on sale and use a coupon, you are not stealing, you are being a strategic shopper. Sales and coupons are tools to help you stretch your budget further.

Stores also regularly have items that are low priced to get you in the door, so you will.. that’s right, fill your cart with non-sale, non-coupon items. Those items are called Loss leaders.

Coupon Lingo!

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Just like any other hobby or subculture, couponing has it’s own lingo. You’ll often run across it reading blogs or talking to fellow couponers. Here is a list with the most commonly used lingo:

Actual – Physical items you hold in your hand meaning a box of pasta rather than a pasta coupon. Used often in trading coupons.

BLINKIES – These are found in stores in a dispenser machine. Most often the box will have a red blinking light on it.

BOGO (or B1G1)- Buy one get one free.

Catalina – Coupons that come from a machine at the cash register. Named after the manufacturer of the machine that spits out the coupons.

CRT – Cash register tape.(this is a pretty dated/old school term for a receipt)

Double Coupon – Means the value of the coupon is doubled at the register. In San Diego, Only Kiehl’s doubles coupons.

ECB – Extra Care Bucks. A form of rebate from CVS. ECB’s are a CVS exclusive.

FREE ITEM COUPON -You get a free product at the store at no cost or just tax.

HBA – The health and beauty aid section.(shampoo, conditioner, body wash, styling products, etc.)

IP – Internet printable coupon.

INSERT- The packages of coupons that come in the Sunday paper.

MANU or MANNY – Short for Manufacturer Coupon. A coupon issued from the manufacturer. Manufacturer Coupons are about 90% of the coupons in the Sunday papers.

MIR – Mail In Rebate – you have to mail it to a clearinghouse to redeem. Learn more about rebates here.

MM- Money Maker- Any deal where you come out ahead or the store pays you to leave the store with items. These deals are pretty rare these days.

NON-INSERT- A coupon that does not come from the coupon packages (called inserts) in the newspaper. Non-insert coupons come from inside or outside packages, home mailers, Smartsource blinkie machines, magazines, tear pads.

OOP – Out of Pocket – money paid after coupons.

OYNO – On your next order – a lot of Catalinas fall under this, meaning you need to make an additional purchase to redeem.

P&G – Proctor & Gamble Sunday insert coupons.

PEELIE – coupon’s found on products that are sticky unless removed carefully.

POP – Proof of purchase found on actual item, usually a UPC/barcode.

RP – Red Plum Sunday Insert Coupons. In San Diego, these coupon inserts come in the Monday junk mail.

SASE – Self Addressed Stamped Envelope some freebies or rebates require them.

SS – Smart Source or Sunday Insert coupons.

STORE COUPON- A coupon good at a specific store (Target, Albertsons, Vons, CVS, and Walgreens all have store coupons).

TEAR PAD – A pad of refund forms or coupons found hanging from a store shelf or display.

TMF – Try Me Free – rebates for the full price of the item when it first is new to the market.

WINE TAG – coupons found on the necks of wine bottles. In CA, these coupons require the purchase of at least bottle of wine to redeem the deal.

WYB – When You Buy – additional purchase is required to redeem.

Schoola: Shop Sundresses and Take 50% Off Your Next Order

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Schoola is hooking us up! Starting today, Buy a Sundress and Get Half Off Your Next Order!

Purchase a sundress between 6/6 and 6/12 and receive a 50% off code via email on 6/13! Oh, and it gets better with FREE SHIPPING!*

To get started, click here. New to Schoola- that’s cool too. Sign up here and score $20 in new to you clothes for you, or your kiddos! Schoola helps schools fundraise by selling gently worn clothes. You can learn about their mission here.