3 MultiGrain Cheerios 12.8 oz. $1.99 ($5.97, limit 8)-3 $.75/1 coupons ($2.25)=$3.72 (retail for $4.49 each!)
Colgate Max Fresh $2.99-$1/1 coupon=$1.99 get $2 EB for $0.01 profit!
Friday, February 26, 2010
Saturday, February 20, 2010
How to get CVS Extra bucks + pay next to nothing
I bought 3 more yesterday and think this is the perfect opportunity to explain how to get the most out of getting EB at CVS with spending the least OOP.
3 Glade 10 oz. soy candles $18-3 $3/1 coupons ($9)=$9 got $8 EB
How I actually paid OOP-$9-$4 EB (from trip #1)=$5
Total or final cost after EB earned=$1
Total or final cost after EB earned=$1
I didn't include the $4 EB I used to pay because I already used that in calculating FINAL COST in trip #1
The deal for this is buy $12 of select Glade and get a $4 EB and the limit is 3 times. I got $8 in EBs this time because you can get $4 for every $12 you spend. I bought 3 the first trip and spent $18 before coupons. The $4 EB I got was for the $12 retail on 2 out of the 3 candles. The retail for the 3rd candle for trip #1 stays in the computer system for CVS so when I bought 3 more I got 2 $4 (printed one EB for $8) for 4 candles. Another way to look at it is to figure out how many items you need to buy total to get the limit. $12 x 3 (limit of EB)=$36. The candles were $6 each. So, $36 divided by $6 =6 candles. The register uses the RETAIL PRICE towards the EB. IT DOES NOT SUBTRACT THE COUPON VALUE OR VALUE OF EBs USED TO PAY FOR PURCHASE. This is why I was able to get the EBs even though my OOP cost was very low.
The deal for this is buy $12 of select Glade and get a $4 EB and the limit is 3 times. I got $8 in EBs this time because you can get $4 for every $12 you spend. I bought 3 the first trip and spent $18 before coupons. The $4 EB I got was for the $12 retail on 2 out of the 3 candles. The retail for the 3rd candle for trip #1 stays in the computer system for CVS so when I bought 3 more I got 2 $4 (printed one EB for $8) for 4 candles. Another way to look at it is to figure out how many items you need to buy total to get the limit. $12 x 3 (limit of EB)=$36. The candles were $6 each. So, $36 divided by $6 =6 candles. The register uses the RETAIL PRICE towards the EB. IT DOES NOT SUBTRACT THE COUPON VALUE OR VALUE OF EBs USED TO PAY FOR PURCHASE. This is why I was able to get the EBs even though my OOP cost was very low.
I don't have to make multiple trips to get the EBs but by doing so you can "flip" your EBs which will save you more money OOP.
Friday, February 19, 2010
Free Carolina rice mixes at BigY!
9 Carolina rice mixes $6 (3/$2)- 4 $.75/2 coupons doubled ($6)=FREE!!!
Glade 10 oz. candle MONEYMAKER at CVS!
Spend $12 on select Glade get $4 extra bucks, limit 33 Glade 10 oz. candles $6 each ($18)-3 $3/1 coupons ($9)=$9 got $4 EB
Total OOP-$9-$7 EB=$2
Will submit for $5 SC Johnson rebate
After $4 EB and $5 rebate my profit will be $7!!
Monday, February 15, 2010
Cheap Dixie grab n go cups and cotton balls at BigY
6 Dixie Grab n Go coffee cups $3.39 ea. buy 1 get 2 free $10.17-3 $2/2 (tear pad with cup display not in regular aisle) ($6)=$4.17 makes them $0.69 per package!
3 Top care cotton balls $1.69 each buy 1 get 2 free=$1.69
Orea double stuff cookies $2.99-Free coupon (from facebook fan page a couple weeks ago)=FREE!
Crest, Colgate and Aussie MONEY MAKER at CVS!
Trip #1
Colgate $2.99-$1/1 coupon=$1.99 got $2 EB $0.01 profit!
Total OOP=$1.99
Trip #2
2 Crest (limit 2) $3.50 ($7)-$1/2 coupon=$6 got $7 EB $1.00 profit!
Total OOP-$6-$2 EB (from trip #1)=$4
My mom is visiting and I have a done of hair products so I gave her my Aussie coupon.
Buy any Aussie shampoo, conditioner 13.5 oz. or styling product 5.1-14 oz. for $2.99 get $2 EB. Use $1/1 from this Sunday coupon insert and it's a $0.1 money maker!
Free Venus razors+Olay body wash MONEY MAKER, cheap Gillette Fusion razors at Target!
I bought this on Saturday but the deal is still going on all this week!3 Venus razors $6.99 ($20.97)-3 $2/1 ($6)coupons=$14.97 got $5 Target gift card (when you buy 2)
3 Olay body washes $5.49 ($16.47)-Buy one Venus razor get any Olay body wash free ($16.47)=FREE
Total OOP=$14.97-$5 Target gift card -$15 mail-in Olay rebate =$5.03 profit!
2 Gillette fusion razors $6.99 ($13.98)-2 $4 coupons ($8)=$5.98 got $5 Target gift card (when you buy 2)
Total OOP=$5.98-$5 Target gift card=$0.98
Saturday, February 13, 2010
2010 financial goals update
Here is what we have done and things we are doing to reach our financial goals for 2010. Read our 2010 financial goals here.
We paid off our car insurance for the year. This eliminates an almost $70 bill every month.
We paid off a small loan of my hubby's. This eliminates and almost $60 bill every month.
We have only used a credit card once for 2010. This was for the $52.00 Tubo tax charge for me to do our taxes online. I know our goal was to not use them at all, however, this was a small charge and saved us hundreds of dollars in tax preparation fees if we had gone to H& R Block again this year. I have been using my debit card for all other online purchases. If your debit card has a Visa or Mastercard logo on the front you can use it like a credit card online except you are spending REAL money and not putting yourself into deeper debt.
One thing that is helping us live within our means is taking his check amount (he gets paid every two weeks) and subtracting the bills we have to pay for that period until his next check and putting what is left in an envelope for grocery, gas, newspapers and other spending. I like this system because you can see what you have to work with at any time. Unlike using a debit card, you can count the money in the envelope at any time to see what is left for spending and stay within budget until your next check. Now, if there is anything left in the envelope when he gets his next check we will figure out what our spending limit is for the new check after bills and add to what is still in the envelope to give us that amount. When my hubby deposits the money I need to pay my bills the extra money will go in the bank and it will be like we never saw it.
Using this system also helps us not spend our emergency fund. Our emergency fund of at least $1,500 is for unexpected bills, like the almost $300 excise tax we need to pay this month, amazing sales that will get us necessities that we always use for free or at a significant discount (our first choice is to try and do this with our allotted spending money for that period) or something breaks or needs to be replaced that we can't live without or an emergency.
We've all been very disciplined about writing dates on food when we open them or put leftovers in the fridge which has helped us waste less. I also bought a very large metal rack to store stockpile items in my kitchen and now all of my food stockpiles (except bottled water) are in my kitchen. I think this will help me avoid buying too much and not using things before they expire.
We are paying almost double the minimum on two of our bigger credit card balances every month. We are paying $15.00 over the minimum on my student loan with the overage going towards the principal. We paying $5-$10 over the minimum on all other credit cards.
How are you all doing with your financial goals?
We paid off our car insurance for the year. This eliminates an almost $70 bill every month.
We paid off a small loan of my hubby's. This eliminates and almost $60 bill every month.
We have only used a credit card once for 2010. This was for the $52.00 Tubo tax charge for me to do our taxes online. I know our goal was to not use them at all, however, this was a small charge and saved us hundreds of dollars in tax preparation fees if we had gone to H& R Block again this year. I have been using my debit card for all other online purchases. If your debit card has a Visa or Mastercard logo on the front you can use it like a credit card online except you are spending REAL money and not putting yourself into deeper debt.
One thing that is helping us live within our means is taking his check amount (he gets paid every two weeks) and subtracting the bills we have to pay for that period until his next check and putting what is left in an envelope for grocery, gas, newspapers and other spending. I like this system because you can see what you have to work with at any time. Unlike using a debit card, you can count the money in the envelope at any time to see what is left for spending and stay within budget until your next check. Now, if there is anything left in the envelope when he gets his next check we will figure out what our spending limit is for the new check after bills and add to what is still in the envelope to give us that amount. When my hubby deposits the money I need to pay my bills the extra money will go in the bank and it will be like we never saw it.
Using this system also helps us not spend our emergency fund. Our emergency fund of at least $1,500 is for unexpected bills, like the almost $300 excise tax we need to pay this month, amazing sales that will get us necessities that we always use for free or at a significant discount (our first choice is to try and do this with our allotted spending money for that period) or something breaks or needs to be replaced that we can't live without or an emergency.
We've all been very disciplined about writing dates on food when we open them or put leftovers in the fridge which has helped us waste less. I also bought a very large metal rack to store stockpile items in my kitchen and now all of my food stockpiles (except bottled water) are in my kitchen. I think this will help me avoid buying too much and not using things before they expire.
We are paying almost double the minimum on two of our bigger credit card balances every month. We are paying $15.00 over the minimum on my student loan with the overage going towards the principal. We paying $5-$10 over the minimum on all other credit cards.
How are you all doing with your financial goals?
Stop spending money on razors!!
Every few months or so you can get brand name, high quality razors for free or close to free when they are on sale and you use a coupon and get back CVS extra bucks, Walgreens RR's or Rite Aid SCR's. According to Clark Howard, you can use a maximum of 2 razors a year! Click link below to read the article.
Just this week I purchased the razor below for $.99 OOP at CVS.
Gillette Fusion razor $8.99-$4/1 coupon (P&G 2/7)=$4.99 got $4 EB
This week at Walgreens I purchased another Gillette Fusion for only $0.99.
Gillette fusion (MVP only for $8.99 price manual or power) $8.99-$4 coupon=$4.99 got $4 RR
Thursday, February 11, 2010
January 2010 grocery spending and savings totals
Grocery items I include in my calculations are food, health and beauty, pet food and litter and cleaning products.
Total grocery spending out of pocket after coupons, CVS extra bucks, in-store card savings and rebates submitted for the month-
$696.46
Keep in mind that I did A LOT of stockpiling (I will be posting photos in a separate post) in January. My year end total for grocery spending will reflect a bigger overall savings.
Total savings from coupons, extra bucks and rebates submitted (does not include savings from in-store cards)
$336.91
I do not have a grocery budget for the month or year. This is the first time I am tracking grocery spending and savings. My plan is to see how much I spend for the year and set a yearly budget. I don't think a monthly budget would work for me because I stock up on items when they are on sale and have a coupon which means I will spend more money one month and much less another month.
Do any of you have a set grocery budget for the month or year? Are you tracking your grocery spending and savings?
Total grocery spending out of pocket after coupons, CVS extra bucks, in-store card savings and rebates submitted for the month-
$696.46
Keep in mind that I did A LOT of stockpiling (I will be posting photos in a separate post) in January. My year end total for grocery spending will reflect a bigger overall savings.
Total savings from coupons, extra bucks and rebates submitted (does not include savings from in-store cards)
$336.91
I do not have a grocery budget for the month or year. This is the first time I am tracking grocery spending and savings. My plan is to see how much I spend for the year and set a yearly budget. I don't think a monthly budget would work for me because I stock up on items when they are on sale and have a coupon which means I will spend more money one month and much less another month.
Do any of you have a set grocery budget for the month or year? Are you tracking your grocery spending and savings?
Sunday, February 7, 2010
What can you buy at Rite Aid for $2.63?
All this!To receive rebates, rewards cards and Rite Aid gift cards you must sign up for Rite Aid single check rebates online.
Buy $100 of select P&G products get a $35 Visa gift card
4 100 fl. oz. Tide ($10.99 ea.) $43.96- 2 $1/2 coupons ($2)=$41.96
4 Tide stain release ($5.99 ea.) $23.96-4 Buy 1 Tide 75 oz. or larger get one Tide stain release (certain sizes) FREE=FREE!
Swiffer sweeper kit $11.99-$2/1 coupon=$9.99
Swiffer sweeper 36 ct. dry cloth refill $7.99- Buy 1 Swiffer sweeper kit get any refill free=FREE!
Venus razor $7.99-$2/1 coupon=$5.99
Olay body wash $8.99-Buy 1 Venus razor get one Olay body wash FREE=FREE!
Total cost before coupons that count towards P&G rebate for $35 Visa Reward card=$104.88
What I paid after coupons
$57.94-$20 Rite Aid gift of savings from Christmas rebate=$37.94
OOP after I receive $35 Visa Rewards card=$2.94
Buy $15 select Nivea products get $5 Rite Aid gift card
6 Nivea body wash $17.94-6 $2/1 coupons ($12)=$5.94
OOP after I receive $5 Rite Aid gift card=$0.94
Dove Mens + Care body wash $4-$1.25/1 coupon=$2.75 will get SCR $4 $1.25 PROFIT!
Total OOP after I receive all rebates for today's trip to Rite Aid=$2.63!!!!
Saturday, February 6, 2010
Free candy after $10 KMART gift card rebate when you buy 4 Reese's Pieces!
When you buy 4 bags of 10-10.5 oz bags of Reese's Pieces you will get a rebate form that prints out with your receipt for a $10 gift card towards the purchase of Hershey's. The Reese's Pieces are on sale 2 for $5. I was only allowed to use one coupon $1/1 when buying the 4 bags. 4 bags for $9 (after coupon) and receive $10 gift card =$1 PROFIT and free candy! You might be able to use 4 $1/1 coupons at your store. Limit of 4 rebates per household so potential of $40 in gift cards. Each rebate has to be mailed separately. My hubby is doing transaction #3 right now and I'm hoping he can do #4 when he runs errands later. Don't forget to use you KMART rewards card! Click on the link below to sign up to get your rewards card if you don't have one already.
https://www.shopyourwayrewards.com/cp/login.aspx?RGD=3B6032C1-CAD6-4CB7-BFF0-49B3D7B34CE1
https://www.shopyourwayrewards.com/cp/login.aspx?RGD=3B6032C1-CAD6-4CB7-BFF0-49B3D7B34CE1
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