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In Good Cents: Getting Started
Showing posts with label Getting Started. Show all posts
Showing posts with label Getting Started. Show all posts

Saturday, November 7, 2009

Walgreens 101

Like CVS, Walgreens can seem like a more expensive option, however if you know how to work their system, you can stock up on cheap and even FREE items!

REGISTER REWARDS
Walgreen's has a reward program that works similar to CVS. Each week, Walgreens will list items in their circular that produce Register Rewards (RR). When you buy an item listed, the RR will print at the cash register like a CRT and can be used to take money off of your next purchase.

For example, if Walgreens has Pantene Shampoo marked $3/2 and you get $1 RR wyb 2, you'll pay $1.50 each out of pocket and get back $ RR, making your final total $1.00 each after RR. You can use coupons to lower your OOP even more. The goal is to roll your register rewards to keep your OOP low. So, next week, you can take in your $1.00 RR back in and another product that produces RR with purchase and use the $1 RR to lower your OOP.

Walgreen's RR expire after 2 weeks, so to play the game, you have to frequent Walgreens at least every two weeks, so your RR won't expire. Your RR work like cash on our final total, but are entered like coupons, and can be used on any item in the store excluding alcohol, gift cards, and other noted exclusions (read the fine print on your RR). Unless otherwise noted, RR do not roll on the same product, so if you went back to purchase two more Pantene shampoos and used your $1 RR, you would not get a 2nd $1 RR with your receipt.

CIRCULAR
The Walgreen's circular and sales run Sunday through Saturday and is nationwide, so the deals listed on In Good Cents should match those in your area. You can view the circular online HERE and also find a Walgreens in your area.

Inside the Walgreen's circular, you'll often find in-ad coupons, which can be used to lower your OOP and stacked with manufacturer coupon.

COUPON POLICY
Walgreens accepts coupons which include manufacturer, CRT manufacturer or Walgreen-issued, Catalina manufacturer, Walgreens-issued, and Internet. Coupons will only be accepted on or before their expiration date and the item purchased must meet all terms and qualifications for the redemption.

Unlike many other stores, Walgreens will only accept 1 coupon per item, even though you are allowed to use a manufacturer coupon with a Walgreen's coupon. For example, if you have an in-ad Walgreen's coupon to make Dove Body Wash $3 each and you have a $1/1 coupon from a recent insert, you can use both coupons, but you'll have to buy a small 2nd item so the amount of items purchased matches the amount of coupons used. I usually pick up a pack of gum or something else very cheap. To use coupons marked $1/2, you do have to buy two items, but it only counts as one coupon. Register Rewards and store coupons count as coupons.

Coupons that have a value higher than the price of the item will be lowered. Walgreens does not offer cash back. For example, $1/1 coupons will be lowered to $0.99 wyb a $0.99 item.

Also unlike most stores, Walgreen's coupons should be handed in a different order. First hand your RR, followed by your manufacturer coupons, then store coupons to save the most money. Walgreen's does sometimes issue $/$$ coupons. These sometimes state "after coupons", so your final after coupon total must be the maximum noted. If it is not noted, you can hand in your $/$$ coupons first, then your manufacturer and store coupons to lower your final OOP past the maximum stated on your $/$$ coupon.

BOGO SALES
When Walgreens has a BOGO sale, you buy one product and get the other FREE. Since you are buying 2 products, you can use one coupon for each product. Or you may use one BOGO coupon to get both products FREE.

RAIN CHECKS
Walgreens offers rain check for items that are out of stock. If your store is sold out of something, make sure to grab one.

SALES TIPS
When Walgreens has a sale that states "get $5 RR wyb $20 worth" or similar, all items must be purchased in single transaction. You can use coupons to lower the $20 maximum down and help with your final OOP.

Sales stating 2/$4 actually mean $2 each and not that you must buy 2 to get the sale price. Sometimes, Walgreen lists sales like $2 each when you buy 2. This means you must buy 2 to get the sale price. Pay attention to wording in advertisements.
Walgreens 101SocialTwist Tell-a-Friend

Saturday, October 24, 2009

Coupon Clippers: How to Get the Coupons You Need

Every so often you may see a deal that is amazing for you or your family. Maybe it's something you use a lot or something your family really enjoys. When you see these deals, it's always great to stock up when the prices are cheap. However, you may just not have the coupons to do multiple transactions or even have the coupon at all. One way to work around this is to get coupons from a clipping service. For example, The Coupon Clippers is a clipping service where you can get multiple coupons for products you enjoy.

So, is it a good deal to pay someone else to clip coupons for you? Honestly, it depends on you. If you will definitely use the coupons you order and you just don't have time and/or motivation to clip them yourself, then yes, it is a great deal, because it saves you money you wouldn't necessarily save otherwise. It also saves you money when you want to buy larger quantities of a product when there is a great deal.

Do I buy coupons? Sometimes and so does my mom. For example, we bought $1/1 Quaker coupons when they were available, then snagged tons of Quaker Quakes when they went 10/$10 and got them all FREE! We may also buy a coupon that is high-value but not available in our newspaper insert, like the $0.50/1 Peak Tea, which got us some Sweet Tea for only $0.19 each when the coupon doubled. You can also bid on coupon clipping services on e-Bay.

Check it out and look for coupons for products you love but don't often find coupons for or products you love to stock up on when there is a great deal. You can even get store coupons to match with your manufacturer coupons!

Coupon Clippers: How to Get the Coupons You NeedSocialTwist Tell-a-Friend

Monday, October 12, 2009

Saving Cents at Baesler's Market


:: Store Deals
:: Additional Resources
  • Weekly Circular (Monday- Sunday)
  • Preferred Perks Card: Available in-store at customer service to qualify for in-store discounts and track Pump Perks
:: Contact Information
:: Coupon Policy

Baesler's accepts the following types of coupons:
  1. Baesler's-issued coupons (often available in weekly circular)
  2. Manufacturer coupons
  3. Internet coupons
Guidelines and limits regarding coupon usage:
  1. Baesler's will accept one manufacturer and one Baesler's-issued coupon for a single item at time of purchase (unless otherwise prohibited)
  2. Coupon value will be reduced if exceeds the value of the item after discounts and coupons are applied (e.g. $1 coupons will be reduced to $0.99 when purchasing a $0.99 item)
  3. Baesler's does not give cash if the coupon value is greater than the cost of the item
  4. Baesler's will not accept coupons from other retailers
  5. Baesler's will only accept coupons for products carried in their store
  6. Baesler's will only accept coupons on or before their expiration date
:: Additional Discounts or Promotions
  • Pump Perks is a program in which you can earn discounts on fuel by making in-store purchase with your Preferred Perks card. Watch in-store for qualifying products.
:: Frequently Asked Questions

Q: Where is Baesler's Market?

A: Baesler's Market is located in Terre Haute, Indiana. It is a locally owned market. Though price tend to be a bit higher, they have absolutely wonderful fresh fruits and vegetables, plus delicious pastries and other items in the bakery.

Q: Does Baesler's offer rain checks? How do they work?

A: Baesler's issues rain checks on out-of-stock advertised sale items only, unless the advertisements states "while supplies last", "no rain checks", or "limited quantities". Rain checks will not be issued for items not carried at Baesler's.
Saving Cents at Baesler's MarketSocialTwist Tell-a-Friend

Sunday, October 11, 2009

How to Read a Blog


For some, reading a blog can be a whole new world.

What is a blog? A blog or webblog is a website usually maintained by an individual by posting regular entries. Entries, or posts, are listed by the date they are entered, by also sorted by categories or labels. Navigating a blog can be a bit difficult at first, but here are some tips to get you started.

READ
Depending on how you are viewing or subscribing to the blog, how you read it will be different. However, from the main page, you'll see the most recent entries first. As entries are posted, they will appear at the top of the page.

If you are looking for information on a specific topic, you can either search using the search box found on the sidebar or utilize the topics list also found on the sidebar. The search box will pull up entries based on the keywords you select. The topics list is categorized by me as entries are are posted and will pull up the most recent entry in the topic first.

INTERACT
Bloggers blog, because they love interacting with others on their favorite topics. When you are reading a blog, make sure to interact by leaving comments on posts for not only the blogger to read, but also for other readers to enjoy. Bloggers absolutely love comments, even just a simple "thank you". Keep in mind, the comments on this blog are moderated and must be approved, so it may take some time for your comment to appear. Please be patient.

IN Good 'Cents' is designed to share great deals. Why I wish I could find them all myself, I can't and need your help. Also interact by sharing deals you find and I'll give you a special "thank you" in the post! You can e-mail deals to me or leave a comment on a relevant post. I also appreciate receiving guest blogger requests or articles, comments or thoughts on the blog, frugal tips, recipes, and other relevant information.

SHARE
Blogs also thrive better if they grow, so make sure to utilize the "Tell A Friend" at the bottom of each post to share entries with your friends via e-mail, Facebook, Twitter, and more. If you are a Fan of IN Good 'Cents' on Facebook, you can also "like" and share posts via Facebook to let others know about your favorite deals.

You are more than welcome to post information on my blog on your own blog. However, I do request that you not only note that you found the information on my blog, but to also link back to the blog or relevant post. Thank you!

SUBSCRIBE
If never want to miss a deal on IN Good 'Cents' consider subscribing. You have a few options on how to subscribe depending on your preferences. You can find out the different ways to subscribe below along with the benefits or cons of each method.

An RSS or feed reader allows you to view multiple blogs at once on a single page. In this day and age, you have many options, depending on what type of feed reader you'd like to use. My favorite is Feed Demon, but you can also use My Yahoo!, Google Reader, or many others!

The benefit of viewing a blog through a feed reader is that you get automatic and almost immediate updates as the blogger updates his or her blog throughout the day. Plus if you like to read many blogs, you don't have to visit many different pages or receive many different e-mails each day. You can also search through entries and sort your blogs into categories or however you prefer.

Photobucket by e-Mail
If you subscribe to a blog via e-mail, you'll get a daily update directly to your inbox if entries have been posted. IN Good 'Cents' e-mails are sent daily between 5:00 PM and 7:00 PM and include all deals posted within the past 24 hours. When you subscribe by e-mail, you will receive a confirmation e-mail and must complete the steps to finalize and start your subscription. If you don't see it, check your spam or junk folder. The downside of subscribing by e-mail is that if a deal is time sensitive, you may receive it too late to take advantage of it.

You can also receive posts straight to your mobile phone, assuming your phone has the capabilities. Like an RSS or Feed Reader, you will be updated throughout the day as entries are posted. The benefit is that you can check blog entries from your mobile phone while you're in the store to confirm deals and see update. On the other hand, it can be annoying if too many posts are made in a single day or if you subscribe to multiple blogs.

Facebook is becoming increasingly popular everyday. You can subscribe to IN Good 'Cents' on Facebook by becoming a Fan. Like with an RSS or Feed Reader, you will be updated throughout the day as entries are posted. The benefit of Facebook is that you can easily share your favorite posts with friends or family. You can also see them on your mobile phone, if you utilize this option on Facebook. On the other hand, posts are automatically sent from the blog to the Facebook page, but not all posts selected to be listed. Approximately 90% of posts will be viewable from Facebook, but you may miss a great deal if this is the only way you view the blog.
Keep in mind, I do sometimes post links to other great blog articles, early entries for giveaways, and more exclusive information on Facebook and Twitter.
How to Read a BlogSocialTwist Tell-a-Friend

Sunday, September 13, 2009

Target: Coupon Policy


Have you had issues recently with Target accepting coupons? I've received reports that some locations won't even accept their own coupons any longer.

I have good news! Target put their coupon policy online, so you can now print it directly from their website and take it with to show managers and/or sales associates if you have any issues!

Want to learn more about Target? Visit Target 101 HERE!

Target: Coupon PolicySocialTwist Tell-a-Friend

Saturday, August 29, 2009

Walmart 201: Working the Price Matching Policy

The idea of walking into Walmart and attempting to buy an entire trips worth of groceries and getting them to match the best prices at other stores can seem like a nightmare. It does take time, but the end result can be amazing savings!

First, sit down with your weekly circulars and find the best prices for the items you need or want. Use a highlighter or pen to mark the items you plan to purchase and dog ear the page, while making your grocery shopping list. It also helps to jot down next to the item on your list the cost and where you find the price (e.g. Bar S franks, 5/$5, Meijer).

While you're planning your shopping list, pull out the coupons you plan to use and stick them into an envelope or separate area, so you can grab them quickly. Don't forget when stacking a store coupon with a manufacturer, you can mix and match, so find the best coupon! For example, if Target has a $1/2 Bar S Franks coupon, you can match it to the Meijer circular you planned to have Walmart price match and stack it with the $1/2 coupon on the Bar S website. It can get confusing, but don't give up! Practice makes perfect.

When you head to the store take all of your circulars, along with your shopping list and coupons. If your store tends to argue with you about coupons or price matching, don't forget to take your Walmart policies (Walmart 101) with you as well!

Start shopping and don't forget, according to Walmart's policy the price matched item must be the exact same brand, size, flavor, etc...

When checking out, make sure you are in a regular line and not a U-Scan. Before they scan a single item, let them know you are taking advantage of the competitor coupon and price matching policies. At this point, they'll have to call the manager over to adjust prices. Give them items you plan to price match and show the manager the circular you want to match.

Good luck!

Tip:
1) Try to keep the items in your cart sorted by circular. For example, have a section of Meijer price matched items and another section of Kroger to expedite checkout.

Have a tip to make Walmart's competitor coupon and price matching policy less painful? Share!
Walmart 201: Working the Price Matching PolicySocialTwist Tell-a-Friend

Saturday, August 15, 2009

Saving Cents at Walmart

Wal-Mart.com USA, LLC
:: Store Deals
:: Additional Resources
:: Contact Information
  • Customer Service (Corporate) - 1.800.WALMART
  • Customer Service (Corporate) via e-Mail
  • Customer Service via e-Mail (your local store)
:: Coupon Policy
Walmart accepts the following types of coupons:
  1. Manufacturer cents-off
  2. Free merchandise
  3. BOGO manufacturer
  4. Local store-issued (e.g. CVS, Kohl's, Meijer, etc...)
  5. Pharmacy
  6. Internet printables
  7. Soft drink container caps
Guidelines & limits regarding coupon usage:
  1. Walmart only accepts coupons for merchandise we sell and only when presented at the time of purchase
  2. Coupons should have an expiration date and be presented within the valid dates. Walmart will not accept expired coupons
  3. Internet coupons should be legible and say "Manufacturer Coupon." There should be a valid remit address for the manufacturer and a scannable bar code
  4. Only one coupon per item is permitted
  5. Use of 40 or more coupons per transaction will require approval by Customer Service Manager
:: Price Matching Policy
Guidelines & limits regarding price matching:
  1. Walmart does honor "Preferred Shopping Card" advertised prices. Must be like items, be advertised and require a competitor's shopping card, for the discount to apply
  2. Walmart does not honor advertisements that require a purchase in order to receive the advertised price or free product
  3. Walmart does not honor "Buy One / Get One Free" advertisements
  4. Walmart does not honor double or triple coupons or percent off advertisements
  5. Walmart does not honor other retailers' "Misprinted" advertised prices
  6. Walmart does not honor Internet Pricing
  7. Walmart does not honor competitor advertisements from outside of the store's or Club's local trade territory
  8. Store managers have the final decision regarding price matching
:: Additional Discounts or Promotions
  • Scan Right Guarantee:Walmart has a scan right guarantee that says that when a product rings up at the incorrect price, the customer will be given the product at the lowest marked price. State laws will take precedence over the store policy where applicable.
:: Frequently Asked Questions

Q: Why are the prices at my Walmart different from those listed on your site?

A:
Walmart's prices vary regionally and sometimes even from store-to-store within the same area. Generally prices are reasonably close, but some may vary greatly.

Q: Walmart refused to accept my Internet coupon. Why?

A: Walmart's nationwide coupon policy states that they do accept Internet coupons. If you have trouble with your local Target, contact headquarters or print their online coupon policy (available online) to show in-store during purchases.

Walmart may still refuse Internet coupons if they do not scan. If this becomes a problem, try printing your coupons in normal or best quality, instead of draft.

Q: Walmart refused to accept my competitor coupon. Why?

A: In Walmart's coupon policy, the fact that they accept competitor coupons is a bit vague and it confuses even the Walmart associates and managers. By simply stating that they accept "store coupons", many offen interpret this to mean Walmart-issued store coupons. However, Walmart does not issues store coupons and this reference actually means local competitor store coupons. For clarification, contact Walmart's headquarters, then take the e-mail reply to your local Walmart to correct the issue.

Q: What is Walmart's return policy?

A:
Walmart has a 90 day return policy. The following exclusions apply:
  1. Computer Components & Accessories: 45 Days w/ Receipt
  2. Camcorders & Digital Cameras: 30 Days w/ Receipt
  3. Computers & Post-Paid Cell Phones: 15 Days w/ Receipt
  4. Walmart will only accept returned prerecorded music, movies, and software if they are unopened.
  5. All sales of guns, ammunition, and WIC purchases are final. WIC purchases that are defective or out-of-date may not be returned, but can be exchanged for and identical product with original receipt.
  6. Tobacco and alcohol may only be returned at the store of purchase with the original receipt, except where prohibited by law.
Q: Does Walmart issue rain checks? How do they work?

A: Walmart issues rain checks on out-of-stock advertised sale items only, unless the advertisements states "while supplies last", "bonus", or "limited quantities". Rain checks will not be issued for items not carried at your local Walmart. Walmart reserves the right to limit quantities on "Rollback" items. Offers and limitations are void where prohibited by law.

Q: If a sale item is out of stock at Walmart, can I get a substitute item?

A: When a advertises sale item is out of stock, Walmart may offer a similar item at the sale price or a comparable price reduction. You can make this work to your advantage, because if your daughter wants an expensive doll, you can purchase it at a discount price when a similar doll is on sale and sold out.
Saving Cents at WalmartSocialTwist Tell-a-Friend

Monday, July 27, 2009

Coupons 301: The Order


The order in which you hand your coupons to the cashier actually makes a difference in your final OOP price. You always want to hand your items to your cashier in the following order: Loyalty Card, Purchases, $/$$ Entire Purchase Coupons, $/$$ Specific Product, and Store & Manufacturer Coupons.

Why? First, your loyalty card triggers coupons to double and sales prices, so you can make sure everything is marked correctly by handing it to the cashier before he or she rings up a single purchase. Plus, some stores, like Kroger, won't double your coupons if you hand your loyalty card over after your coupons.

After your purchases, you immediately hand over any $/$$ coupons. You want to start with your money off your entire purchase coupons first, like $4/$20. Next hand over your money off a particular product or item, like $2 off your $7 frozen foods purchase or $3 off your $10 L'Oreal purchase. By handing over your $/$$ coupons first, you are taking the money off when your total is the highest. If you use a $4/$20 coupon, your grand total has to be $20 before coupons.

Next, you hand over your store and manufacturer coupons to cut down your OOP cost even more. If you used your $4/$20 first, now you can use your store and manufacturer coupons to cut that remaining $16 down even more. If you handed over your store and manufacturer coupons first, your after coupon total would have to be $20 after coupons to be able to use your $4/$20.

EXAMPLE
You buy the following at Meijer:
1- Betty Crocker Warm Delight $1
2- Totinos Pizza Rolls ($1 each) $2
1- Cottonelle 12-Pack $4.99
1- Frechetta Pizza $3.99
1- Frozen Bagelfuls $1.88
1- Tyson Whole Roaster ($0.98/lb, 8 lbs) $7.84

GRAND TOTAL: $21.70

You use the following $/$$ coupons in the following order:
$4/$20 (making your new total $17.70)
$2/$7 Frozen Product Purchase (making your new total $15.70)
$1/$7 Meat or Deli Purchase (making your new total ($14.70)

Then you use the following store and manufacturer coupons:
$0.50/1 Betty Crocker (doubles to $1)
$0.40/2 Totinos (doubles to $0.80)
$0.25/1 Cottonelle (doubles to $0.50)
$1/1 Freschetta
$0.30/1 Bagelfuls (Meijer Mealbox coupon, does not double)
$0.50/1 Bagelfuls (doubles to $1)
$1/1 Tyson Purchase

Final OOP: $8.60
Savings: 60%

Coupons 301: The OrderSocialTwist Tell-a-Friend

Thursday, June 11, 2009

Meijer 201: Working a 10/$10, 11th Item FREE

Meijer's 10/$10, 11th Item FREE deal is already a sweet deal, a true frugal shopper can make it even better. If you buy 10 or less items, each one will be priced $1.00. However, if you buy 11 items, they'll each be $0.91. You can, however, knock that out-of-pocket figure down even more using coupons.

The Goal: Stack a 10/$10, 11th Item FREE deal with coupons and watch how little you'll spend, but how much you'll get.

Here's an example using the deals from this week:

Buy 1 Glaceau Vitamin Water (Use $1/1)
Buy 1 Hunts Ketchup (Use $0.20/1 & it doubles)
Buy 1 Pillsbury Cake Mix or Frosting (Use $0.35/1 & it doubles)
Buy 2 Ken's Salad Dressing (Use $1/2)
Buy 2 Aunt Millie's Bread (Use 2- $0.35/1 & it doubles)
Buy 2 Bar S Meat Franks or Bologna (Use $1/2)
Buy 2 Country Crock Butters (Use 2- $0.25/1 & it doubles & stack with Meijer $1/2)

GRAND TOTAL: $11.00
COUPON TOTAL: $7.50
11th Item FREE: $1.00
FINAL OOP: $2.50 + Tax

TIP: While most items are discounted, check the regular tag underneath to make sure you're really getting a good deal. Some items are regularly priced at $1.00. Phantom sales, which are items marked on sale that truly have little or no savings, often creep up during 10/$10 sales.

Check out this list of deals HERE.

Meijer 201: Working a 10/$10, 11th Item FREESocialTwist Tell-a-Friend

Thursday, May 21, 2009

Shopping List Planner


You can probably tell by my blog that I'm a big fan of computers and technology, so it shouldn't suprise you that I have a spreadsheet I use each week to plan my shopping trips.

It's a known fact that writing a list before you go to the store is a main factor in saving money. Not only does it help you avoid impulse buying, but it also helps you avoid buying items that aren't really good deals. Also, taking the time to write out a list before you hit the store, saves you time in the store.

My spreadsheet, which is based on a spreadsheet I found on MommySnacks.net, is a bit intense and can sometimes look intimidating, because it does most of the work for you. However, I uploaded two versions to share with you. One, which you can view HERE, includes detailed instructions on each page, while the other, which you can find HERE includes my shopping list for this week already planned out as an example of how to use the spreadsheet!

First, note that there are multiple pages on each spreadsheet. You can view each page in Google Documents by clicking the links in the bottom left-hand of the page that say "Grocery", "Misc. Stores", "Drugstores", and "Weekly Total". You can also download these documents to your computer. When viewing the document, click on "File" in the top left-hand corner and select export from the drop-down menu. If you have Microsoft Office with Excel, export the document as a ".xls". If not, you can export it as a ".cvs" to use with any spreadsheet program.

Second, when looking at my shopping plan for the week, keep in mind that my CVS plan is for Sunday/Monday and that I've over-estimated items I'm buying by the pound or don't necessarily know the regular price for right off the top of my head. This way, I'm underbudget in the end. I also don't assume I'll get overage for any of my coupons, so basically, this is a worst-case scenario. When I end up spending less, I'm thrilled!

I love being able to see how much I'll be saving before I hit the stores. It helps me cut my out-of-pocket spending down dramatically. With all the great savings this week at Meijer and CVS, this is a great time to figure out the perfect shopping trip. The only thing that would make this week better is a $/$$ coupon for Meijer, which I don't have sadly. Hope these documents help you save loads of money too and remember to visit the individual grocery deal posts to see the coupon match-up for each deal.

As always, e-mail me if you have questions and I'll be more than happy to help!

Visit on Saturday to find out how my shopping trip really went down and if I found some extra savings!

Shopping List PlannerSocialTwist Tell-a-Friend

Tuesday, May 12, 2009

CVS 301: Advanced

If you've been doing CVS for a while, eventually you get the urge to leave the newbie scenarios behind and get a bit more advanced. CVS is great about giving us $/$$ coupons. You can get them in your e-mail, with your receipt, or at the magical coupon kiosk that stands at the entrance of your store. Sometimes, you even find one on line in a digital magazine or on a flyer for a new store. Where ever you get your $/$$ coupon, by incorporating them into your CVS plan of attack, you can save even more and walk out with more ECB to use in your next transaction. Buy building up your ECB, you can lower your OOP.

How does this work?

Imagine one week CVS is selling Garnier shampoo for $2.99 each and you get $2 ECB when you buy it with a limit of 4. On top of that, you have a $1/1 manufacturer coupon. As a newbie, you could do the following:

TRANSACTION 1:
Buy 1 Garnier Shampoo
Use 1 - $1/1
Pay $1.99 OOP
Get $2.00 ECB (Make $0.01)

TRANSACTION 2:
Buy 1 Garnier Shampoo
Use 1 - $1/1 Coupons
Pay w/ $2.00 ECB (Lose $0.01 ECB)
Get $2.00 ECB

And you could repeat this until you ran out of coupons or reached your limit! If you had all 4 coupons, you'd pay $1.99 OOP and get 4 bottles of shampoo. Plus, you'd walk out with $2 ECB. However, if you incorporate a $2/$10 coupon, you could do it all in one transaction and walk out with more money to use in the coming weeks.

TRANSACTION
Buy 4 Garnier Shampoos
Use $2/$10 Coupon
Use 4 - $1/1 Coupons
Pay $5.96 OOP
Get $8 ECB (Make $2.04)

Sure, with the second transaction, you are paying more OOP, but if you are rolling your ECB, you could pay all or most of this amount with your ECB, then walk out with $8.00 in ECB to use on your next transaction, instead of just $2.00.

To take full advantage of your $/$$ coupons, mix and match the wonderful deals available to make your OOP as little as possible and attempt to gain some ECB in the deal. $/$$ coupons are the tool to increase your ECB.

While frugal sites often provide you with the deals, they don't provide you with the perfect scenario for you to use your $/$$ coupon. Often it depends on which coupon you got and what you need most. Unfortunately, you'll often have to do this yourself, but with practice, you'll get it perfect!


CVS 301: AdvancedSocialTwist Tell-a-Friend

Tuesday, April 28, 2009

Tuesday's Tip 13: When is a sale a great deal?


The word "sale" doesn't always mean you're getting the best deal. Phantom sales are items that are marked on sale in the store or in the circular, but in fact aren't really a discount at all. For example, Meijer often lists ketchup "on sale" during their 10/$10, 11th item FREE promotion, but if you lift the sale tag in the ketchup aisle, underneath you'll find that it's normally priced $0.99. Basically, if you buy the ketchup on sale without buying 11 items, you're actually paying a penny more than you would when the ketchup isn't on sale. So how do you know when you are truly getting a good deal?

This is a question I get asked almost daily and, unfortunately, it's one of the hardest questions to answer. It depends entirely upon your shopping style. For example, if you are out of toilet paper this week, any sale going to look like a great deal to you. But if you have a good stockpile, you can wait until it hits rock bottom prices. On top of that, if you are brand-specific about an item, you need to know the rock bottom prices for that specific brand. On the other hand, if you are willing to use any brand, you need to know the rock bottom price for the entire product line. It also depends on what store you shop or if you shop around.

So basically, to answer this question, I'd have to rattle off great sale prices for every brand in every product line at every store. Sadly, I don't have the time (or that knowledge). However, I can give you the tools to find the best prices for you and your family.

First, when shopping and searching sales, calculate every thing down to the unit price. To figure out if the large value pack of toilet paper is a better deal then the small 4-pack, you have to know how much it costs per roll. Next, start a grocery price list of all the items you buy regularly. With this, you can keep track of sales and see how low they go, so you know when to buy. This isn't something you'll have to do forever. Approximately 3-6 weeks of tracking prices will give you a good idea of when a sale really is really a good deal. Remember, to retrack prices as the economy changes and prices alter.

To get you started, here is an example of my grocery price book - Grocery Price Book Example. Use it to track sale prices and find the best deals for you. Remember, stacking the best sales with coupons is how you maximize your savings!

Finally, once you get a good idea of great sale prices, set reasonable limits for yourself and simply refuse to buy the product (unless you can't live without it) until it hits that set price. You can, for example, refuse to buy regular milk for over $2.00 a gallon. With milk always hitting abut $1.98 a gallon somewhere each week, that's a very easy and very logical limit to set.

With all this in mind, frugal websites, like IN Good 'Cents' will help you a lot. I try, very hard, not to list a sale, unless it truly is a sale. Good luck & happy saving!

Have helpful tips to save money? Share! How do you make sure you're getting the best deal during a sale?

Tuesday's Tip 13: When is a sale a great deal?SocialTwist Tell-a-Friend

Monday, April 20, 2009

CVS FAQ


CVS stresses me out. Should I worry about losing Extra Care Bucks? If I get cheap diapers or formula, but I lose a few Extra Care Bucks, is that bad?

When I first started, CVS stressed me out as well! I used to think I always had to get more and more ECB and never lose any, but then suddenly I had over $60 in ECB and couldn't roll them over each week without losing some. This is when I realized that a good deal is a good deal, even if I lose a few ECB in the process.

For example, if you stack a $5 ECB with a $5 formula coupon to snag some very cheap formula that you had to buy no matter what, then you made a wonderful purchase, even if you didn't get any ECB back. The goal is to keep the cost of your every day items down and not to become an ECB millionaire. Some weeks you may lose ECB. Some weeks you'll gain ECB. Just make sure you keep a few, so you can always use them to cut your OOP down!

Have a question about CVS? Ask away and I'll answer here...

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Monday, March 30, 2009

CVS 201: The Coupons



I've been getting a lot of questions recently on CVS coupons. So, where do you get all the different CVS-issued coupons available? Here is a breakdown to help you get more advanced in your CVS Trips.

First, remember, to take full advantage of CVS, you'll need a Extra Care Card. This triggers many of your coupons to print or be sent to you! If you are new to CVS, check out CVS 101 for some tips and tricks to get you started.

The great thing about the coupons offered by CVS is that they are almost always store coupons, which can be stacked with a manufacturer coupon to save you even more.

IN STORE
CRT
CRT or Cash Receipt Tickets are coupons that may print with your receipt. When you purchase a product that results in ECB, they will print with your receipt. You may also receive coupons for various products. Watch for $/$$ coupons here!

In addition, you may receive your quarterly ECB as a CRT. Unlike most stores, CVS only prints store coupons via CRT, so they may be stacked with manufacturer coupons.

KIOSK
Some stores have a kiosk when you enter the store. Typically it's located near the entrance. In some stores you'll find it on the end of an aisle, while other times it's near the advertisements. If you can't locate a kiosk in your store, ask an associate.

Each time you enter CVS, scan your CVS card at the kiosk before you begin to shop. You may get a $/$$ coupon, store coupon, or your quarterly ECB here to make your shopping trip even better! The kiosk prints CRT coupons.

REINVENTING BEAUTY MAGAZINE & CVS PHARMACY STORE COUPON BOOKLET


The Reinventing Beauty Magazine is a CVS magazine that can be found only at CVS for the low price of $0.99. Inside the magazine is a coupon pull-out, also known as the CVS Pharmacy Store Coupon Booklet. Some stores offer the pull-out coupon booklet absolutely FREE. However not all stores offer this, so you may have to pay the $0.99 for the magazine if you want the coupons inside.

The Reinventing Beauty Magazine and CVS Pharmacy Store Coupon Booklet can be found in store. Their location varies by store, but you can typically find them by the cash register or in the beauty section of your store. If you can't locate either, ask an associate.

Both of these items are typically referred to as "The Beauty Book" by CVS bloggers, since they contain essentially the same coupons. The Reinventing Beauty Magazine does have additional coupons inside that aren't included in the pull-out though.

VIA ADVERTISEMENT
Sometimes CVS offers coupons in their advertisement. These coupons may be coupons you need to clip and bring into the store or clip-free coupons, which are simply deducted when you scan your Extra Card card.

VIA E-MAIL
To receive coupons via e-mail, you'll have to register your card online HERE. Often, you receive e-mails that include photo deals and other online deals, but every so often CVS will e-mail you a $/$$ coupon, which when combined with other deals can save you a lot of money on your trip. Watch the expiration date. Often these coupons are only good for the upcoming weekend or a few days.

You may also receive other special deals and coupons via e-mail, including coupons for FREE items.

VIA MAIL
When you apply for a Extra Care Card, you will be signed up to receive special offers via mail. Watch your mailbox, because sometimes you receive some great coupons that can be stacked with manufacturer coupons. Often these coupons match their sales and are offered as a special addition to their loyal customers.

VIA WEB
It's also important to watch CVS bloggers, because CVS may release a coupon in a digital or online magazine or newspaper, which can be printed and taken in store for an extra discount. Often these coupons are $/$$ coupons or coupons to get a gift card with a new or transferred prescription. Unless you are great at finding hard-to-find coupons, the only way to keep up-to-date on these coupons is to frequent blogs that keep up-to-date with CVS deals.


CVS 201: The CouponsSocialTwist Tell-a-Friend

Thursday, March 26, 2009

Saving Cents at Marsh


:: Store Deals
:: Additional Resources
:: Contact Information
  • Via Phone: 1.800.382.8798
  • Via e-Mail
:: Coupon Policy
Marsh accepts the following types of coupons:
  1. Marsh-issued coupons
  2. Manufacturer coupons
  3. Internet coupons
Guidelines and limits regarding coupon usage:
  1. Marsh does not accept Internet coupons that are greater than $5, coupons for free items, photo copies of coupons, coupons purchased online via shopping sites, or coupons that appear to be altered
  2. Marsh reserves the right to ask for I.D. when accepting Internet coupons from a customer
  3. Marsh doubles coupons in some areas. The deals listed on In Good Cents assume Marsh is doubling all coupons up to $0.50. Please check your local Marsh to see if your Marsh doubles coupons and which coupons qualify
  4. Marsh will accept one manufacturer and one Marsh-issued coupon for a single item at time of purchase (unless otherwise prohibited)
  5. Coupon value will be reduced if exceeds the value of the item after discounts and coupons applied (e.g. $1 coupons will be reduced to $0.99 when purchasing a $0.99 item)
  6. Marsh does not give cash back if coupon value is greater than the cost of the item
  7. Marsh will only accept coupons for products carried in their store
  8. Marsh will only accept coupon on or before their expiration date
:: Additional Discounts or Promotions
:: Frequently Asked Questions

Q: Does Marsh offer rain checks? How do they work?

A: Marsh issues rain checks on out-of-stock advertised sale items only, unless the advertisements states "while supplies last", "no rain checks", or "limited quantities". Rain checks will not be issued for items not carried at Marsh. Marsh rain checks expire after 14 days.
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Sunday, March 22, 2009

Saving Cents at Target

Target Bullseye Large Bullseye Brand static (447x447)


:: Store Deals
:: Additional Resources
:: Contact Information
  • Customer Service (in-store support) - 1.800.440.0680
  • Customer Service (Target.com support) - 1.800.591.3869
  • Customer Service via E-mail (Corporate)
:: Coupon Policy
Target accepts the following types of coupons:
  1. Valid Target-issued coupons
  2. Manufacturer coupons
  3. Valid Internet coupons
Guidelines & limits regarding coupon usage:
  1. Target will accept one manufacturer coupon and one Target-issued coupon for a single item at time of purchase (unless prohibited)
  2. Super Target coupons can be used at any Target location if the store carries the item
  3. Coupon value will be reduced if exceeds the value of the item after discounts and coupons are applied (e.g. $1 coupons will be reduced to $0.99 when purchasing a $0.99 item)
  4. Target does not give cash if the coupon value is greater than the cost of the item
  5. Target will not accept coupons from other retailers
  6. Target will only accept coupons for products carried in their store
  7. All valid coupons should be presented to the cashier at the time of purchase
  8. Target will only accept coupons on or before their expiration date
  9. To save paper, Target coupons can be printed at the gift registry in-store
:: Price Matching
Guidelines & limits regarding price matching:
  • Target will match the price of a competitor's advertisement if the advertisement is local and current and the product being matched is identical
  • Target will adjust previous purchases within 7 days prior to the purchase
  • Copies, photos, print outs, or anything other than the original advertisement will not be accepted during price matching
  • Item must be identical in brand, size, weight, quantity, and model number
  • Target reserves to right to verify competitor's advertised price and availability of product
  • Any manufacturer coupons will be applied after price matching
  • Target coupons will be applied before price matching
The following exclusions apply:
  • Target.com / Online-Only Competitor Promotions
  • Competitor's FREE Product Deals
  • Gift Cards
  • Limited Quantity Items
  • Opened or Damaged Items
  • Clearance or Closeout Items
  • Mail-In Offers
  • Services (warranties, assembly, etc...)
  • Bundle Offers
  • Special Orders
  • Sales-Tax Promotions
  • Liquidation/ Going Out of Business Sales
  • Special Financing
  • Competitor Coupons
  • Used or Previously Owned Items
  • Display Merchandise
  • Pricing or Typographical Errors
  • Club or Loyalty Programs
:: Additional Discounts or Promotions
  • Target offers a $0.05 bag credit for reusable bags provided by you and utilized during purchases
  • Target often offers gift card promotions in which you have to buy an item or items and receive a gift card in return. For these promotions quantities are limited and rain checks are unavailable (see Rolling [coming soon] to maximize your savings with gift card promotions)
:: Frequently Asked Questions

Q: Why are the prices at my Target different from those listed on your site?

A:
Target's sale prices are typically nationwide with a few exclusions, like soda Regular prices vary regionally and sometimes even from store-to-store within the same area. Generally prices are reasonably close, but some may vary greatly.

Q: Target refused to accept my Internet coupon. Why?

A: Target's nationwide coupon policy states that they do accept Internet coupons. If you have trouble with your local Target, contact headquarters or print their online coupon policy (available online) to show in-store during purchases.

Target may still refuse Intert coupons if they do not scan. If this becomes a problem, try printing your coupons in normal or best quality, instead of draft.

Q: Does Target offer rain checks? How do they work?

A: Target will issue rain checks on out-of-stock items, except gift card promotions. You can receive your rain check at customers service. Target rain checks expire 45 days after issue and are good on the item stated, unless otherwise noted.

Some rain checks are good on substitute items if you see the text "choose a substitute" at the bottom. With substitute item rain checks, you can select a similar, regular-priced item and get the same percent discount.

Sometimes, when an item is sold out, associates may place a tearpad or rain check notice where the item was on the shelf. Make sure to tear this tearpad slip off and take it to customer service to get your rain check. The tearpad slip is not a rain check!

Q: When does Target mark down products?

A: Target has a national markdown schedule. Watch the end caps of aisles for marked down, clearance, and discounted items. Mark downs take place every two weeks and items will continue to be marked down every two weeks until sold or reaches 75%. Target rarely marks non-holiday items lower than 75%.

Below is the full markdown schedule:

Monday: Electronics, Kids Clothing, & Stationary
Tuesday: Domestics, Women's Clothing, Pets, & Grocery
Wednesday: Men's Clothing, Toys, Health & Beauty, Lawn & Garden
Thursday: Housewares, Lingerie, Shoes, Sporting Goods, Movies, Music, Books, Decor, & Luggage
Friday: Auto, Cosmetics, Hardware, & Jewelry

Holiday are as follows (Christmas markdowns vary):

Post Holiday Day 1-3: 50%
Post Holiday Day 4-6: 75%
Post Holiday Day 7-8: 90%

Q: What if I find a damaged product in Target? Can I get a discount on it?

A: Cashiers are authorized to mark down items 10% if damage is obvious.
Saving Cents at TargetSocialTwist Tell-a-Friend

Thursday, March 5, 2009

Saving Cents at Kroger


:: Store Deals
:: Additional Resources
  • Weekly Circular (Thursday-Wednesday)
  • Kroger Plus Card: Available in-store at customer service or online to qualify for in-store discounts. Register your card online to receive additional coupons and savings via e-mail and mail.
:: Contact Information
  • Via Phone: 1.866.221.4141
  • Via e-Mail
:: Coupon Policy

Kroger accepts the following types of coupons
  1. Kroger-issued coupons
  2. Manufacturer coupons
  3. Internet coupons
Guidelines and limits regarding coupon usage:
  1. Kroger doubles coupons in some areas. The deals listed on In Good Cents assume Kroger is doubling all coupons up to $0.50. Please check your local Kroger to see if your Kroger doubles coupons and which coupons qualify
  2. Kroger will accept one manufacturer and one Kroger-issued coupon for a single item at time of purchase (unless otherwise prohibited)
  3. Coupon value will be reduced if exceeds the value of the item after discounts and coupons applied (e.g. $1 coupons will be reduced to $0.99 when purchasing a $0.99 item)
  4. Kroger does not give cash back if coupon value is greater than the cost of the item
  5. Kroger will not accept coupons from other retailers, except at the pharmacy and not in conjunction with the $4/$10 generic prescription program
  6. Kroger will only accept coupons for products carried in their store
  7. Kroger will only accept coupon on or before their expiration date
  8. Kroger will not accept Internet coupons for more than 75% of the product's value without advanced notice
  9. Kroger will reject internet coupons if they appear blurry, altered, duplicated, or out of proportion
:: Additional Discounts or Promotions
  • Price Guarantee: If you notice an item rings up at the cash register for greater than the price listed, Kroger must give you that item free and any additional identical items at the lowest price listed in-store or in their circular. Alert them at the cash register or at customer service immediately to receive your corrected prices.
  • $4/$10 Generic Prescription Program
  • e-Coupons: You can load coupons onto your Kroger Plus card at cellfire.com, shortcuts.com, and UPromise.
:: Frequently Asked Questions

Q: What is Kroger My Magazine? How do I get it?

A: Kroger My Magazine is a coupon-filled magazine sent to your home. Each magazine focuses on the theme like "fruit", "organics", "grilling", etc... and all the coupons inside relate to the theme. Most are Kroger coupons that can be stacked with manufacturer coupons, but some are manufacturer coupons. Read each coupon closely.

Kroger My Magazine is sent to V.I.P. customers. You must shop at Kroger "enough" and use your Kroger Plus card with each transaction. Unfortunately, the definition of "enough" is not exactly clear, so it's anyone's guess and seem so work differently for different shoppers.

Q: Does Kroger offer rain checks? How do they work?

A: Kroger issues rain checks on out-of-stock advertised sale items only, unless the advertisements states "while supplies last", "no rain checks", or "limited quantities". Rain checks will not be issued for items not carried at Kroger.
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Tuesday, March 3, 2009

Saving & Staying Healthy


When people hear I have a very low weekly grocery budget, the first question out of their mouth is, "Yeah, but what do you eat?". I think they automatically assume that because I don't spend much, I end up with a pantry full of junk food and other low quality products. The truth is that I actually improved the quality of food my family was eating when I started clipping coupons and stacking deals to save money.

You can lower your grocery bill without changing how you and your family eat. In fact, you can actually improve how you eat!

So if you eat organic foods, how do you save on those? The methods are still the same. You just have to know where to find the coupons! With organic foods being so popular, they often go on sale at the grocery stores and you can find coupons for organic foods almost anywhere you can find coupons, but below are a few sites to add to your coupon sources for healthy, natural, and organic foods:


How do you save on healthy, natural, or organic foods? Share!
Saving & Staying HealthySocialTwist Tell-a-Friend

Monday, March 2, 2009

Savings Soiree Classes: Details & Registration

Did you realize the order you hand your coupons to the cashier actually makes a difference in your final out of pocket total cost?

While IN Good 'Cents' does provide you the best deals each week, I do have assume you have a basic knowledge of how coupons work. While 101 tips are provided for each store and for stacking and using coupons, sometimes it's just easier to learn in person and better to see the tricks put into action. Therefore, I offer classes in the form of Savings Soirees though the Fishers' Parks Department.

In Good Cents also offers classes to businesses, home owner's associations, mother's groups, and more. To schedule your own private Saving Soiree or if you have questions, please e-mail me.

Why do I need a crash course on saving?
Manufacturers and stores play tricks on our minds that make us think we’re getting a deal, or that we need to jump through hoops to save more. In truth, if with a few savings skills, you have the power to find the best deal, so you can save even more. In addition to teaching you how to recognize the ‘tricks of the trade’, I’ll also show you how coupons truly work and how to use them to maximize your savings on groceries and everyday items.

Armed with this knowledge, you can dramatically cut your grocery bills and begin to save more and more with each trip you make to the grocery store! I cut my own grocery budget from $800 a month to $160 a month and actually improved the quality of food my family enjoys. I’ll teach you in one night, what it took me over a year to figure out!

Course Description
Each course includes:

  • Frugal Tips and Secrets
  • Coupons 101 – The Basics of Coupons
  • Coupons 201 – Advanced Couponing & Maximizing Your Savings
  • Get Paid to Shop
  • Tools to Get You Started & Put it Into Practice

You’ll not only be armed with the essential savings knowledge you need, but you will also learn how to organize your coupons, make a great grocery list, and the best secrets to being frugal and saving money.

Registration is Open for 2010 Classes!

Location
Roy G. Holland Memorial Park Building (map)
1 Park Drive
Fishers, Indiana 46038

Dates & Times
March 27th, May 23rd, or July 17th, 2010
9:00 AM - 11:30 AM

Cost
$25 per person (includes workbook & pen)

Or to schedule a private Savings Soiree, please e-mail me.

What People Are Saying

"I went to your class last week, started using your ideas and saved 40% the first time!!! Amazing!" - Laurie, Attended May 2009 Savings Soiree

"You spoke at my MOPS meeting a few months ago and inspired me to give coupons "another" try. After a few short weeks of studying the tricks of the trade (supplied primarily by your site) I have begun to see some pretty incredible results. My last trip to Scott's (owned by Kroger.....they triple up to .50 and double up to $1 every day) was especially fruitful. I purchased 2 weeks worth of meals and about a month's worth of snacks and "extras" for $120.65. However, the best part is my savings by using your method was $105.15!!!! That's a pretty nice chunk of change to save for a newbie! ;) I have also really appreciated the CVS tips. I am now to the point where I am fully stocked on the famous "toothpaste deals" as well as on good shampoos, sunscreen and body washes for at least 6 months. The best part is I have accumulated enough "rolled-over" ECBs so that I can buy all of my favorite laundry detergent (I am fiercely loyal to that brand) and diapers for the kids with virtually NO out of pocket expense." - Shaana, Attended April 2008 Savings Seminar

"Having recently relocated to the US, I could not get my head around the 'coupon culture' here. People kept telling me how much they could save and I really didn't believe it until I attended Beth's presentation. These are the most valuable set of tips I have ever been given!" -Leona M., Attended March 2009 Savings Soiree

"I love the course. I was a bit hesitate to take it as I felt I was already a very savvy shopper & already couponing & using a lot of the techniques. However, I learned enough new tips that the cost of the course will be repaid back within the month. I highly recommend this course - it is not just for beginners. Thank you again Beth!" ~ Cheryl F., March 2009 Savings Soiree

"I have to admit I was completely skeptical. I thought how hard is it to clip coupons, but you take saving to a whole new level. Within an about an hour I learned ways to significantly save on my grocery bills that I know I would have never come across on my own. Now that I have put some of your ideas into practice, it is so much fun and I am saving big! I would highly recommend everyone attend one of your soirees. You will be glad you did!" - Kelly S., Attended March 2009 Savings Soiree

Or to schedule a private Savings Soiree, please e-mail me.

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