Monday, March 29, 2010

Save Everything

I have been using coupons off-and-on for over 20 years.  I would occasionally pick up a Sunday newspaper (maybe once every 5-6 weeks), set aside the coupon inserts, and clip out the coupons for items that I expected to buy at some point in the following weeks.

About 10 years ago, I noticed that the window timeframe for coupon redemption was becoming smaller and smaller.  I would often notice coupons that had a "shelf life" of only a few weeks.  That was a big turnoff to me.  It was only years later that I discovered that many stores will accept "expired" coupon.  All you have to do is ask.  Many cashiers will refuse them.  Other stores will accept them as long as their register allows it.

Nowadays, I tend to get 3-4 newspapers' worth of inserts each week. Instead of tossing everything out periodically, I generally keep coupons for a few weeks beyond expiration, purging them at some point after a month or so. 

Also, instead of only clipping coupons for the items I expect to buy, I clip nearly all of them, especially if they are "high value amount" or "Buy One Get One" coupons.

My most recent transaction benefited greatly from this.  In the past, I would have ignored the "BOGO" and "$2.50 Off Two" CoverGirl coupons, as I have absolutely no need for these items and no person in my life who could benefit from them.

My ECBs had been dwindling of late and BOOM, surprise, CVS promotes in their weekly ad a "Buy $20 Worth of Any CoverGirl Cosmetics, Get 8ECB" promotion.  I am clueless about cosmetics, but the ad cited that "prices start at $2.99".  So I did some mental math.  At $2.99, I would need to buy seven items to hit $20.93 and earn the 8ECB.  If I were to use three BOGO coupons, my cost drops to just $11.96.  And when I use two "$2.50 Off Two" (for the remaining four non-free items), then my cost drops to just $6.96.   So by using the five coupons (3 BOGO and two "$2.50"), I can have CVS pay me to purchase the items.  And when I added in the CVS Store Coupon "Save $4 on $20+ Skincare", then my cost drops to $2.96.

So I can spend a mere $2.96 of my actual cash (or use some ECB) and generate an 8ECB.  Yes, tax does come into play, but even then, I am ahead by a decent amount.

I usually do not carry coupons for items that I do not intend to purchase, so I sorted through my inventory, found the CoverGirl coupons (which did not expire until the end of March), headed off to the store, and let CVS pay me nearly five dollars (in ECB) to buy a small bagful of cosmetics that I will either donate or give to my nieces to "play with".

Of course, the plan nearly came crashing down when I failed to find any $2.99 CoverGirl items on the limited-inventory rack.  The lowest priced items seemed to be $3.49, which led to a whole series of mental math calculations. At $3.49, you only need six items to buy $20.94 worth or merchandise.  Using three BOGO coupons drops your OOP to just $10.47.  One "$2.50 Off Two" and one "$1 Off One" takes you to $6.97.  Add in the "Save $4 Off $20+ Skincare" store coupon, and your $2.97 investment yields 8ECB.

None of this would have happened had I seen the coupon insert weeks ago, said to myself that I would never buy those items, and tossed the coupons.  Instead, I used the coupons to increase my ECB total substantially and have $20+ of cosmetics to dole out.

2010-03-29 -- $3.20

I start with 5.99ECB on the card for Household #1.

Regular Prices:
4.49 Dove Chocolate
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
0.99 CVS Hair Gel

26.42 TOTAL Regular Prices

Sales Prices:
3.00 Dove Chocolate
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
3.49 CoverGirl EyeEnhancer
0.99 CVS Hair Gel

24.93 TOTAL Sales Prices

Coupons and Discounts Applied:
4.00 STORE Coupon "$4 OFF $20 Skincare"
1.00 STORE Coupon "Dove Chocolate"
1.00 STORE Coupon "Any CVS Hair Care"
3.49 MANUFACTURER Coupon "CoverGirl BOGO"
3.49 MANUFACTURER Coupon "CoverGirl BOGO"
3.49 MANUFACTURER Coupon "CoverGirl BOGO"
2.50 MANUFACTURER Coupon "Save $2.50 on 2 CoverGirl"
2.50 MANUFACTURER Coupon "Save $2.50 on 2 CoverGirl"
2.00 ExtraBuck

23.47 TOTAL Coupons and Discounts

My balance came to $1.46, plus $1.74 in tax, for a total OOP of $3.20.  I also messed up a bit, mistakenly using a second "$2.50 OFF" manufacturer coupon when I was only paying for three, and not four.  I had originally picked up 7 CoverGirl items from the rack, where the signage indicated that they were $2.99 each.  When I scanned the items, I discovered they were actually priced $6.99.  Yikes.  I returned the seven items to the rack and retrieved six different items priced at $3.49 (confirmed at the scanner).  I only needed six to reach the $20 ECB threshold.  Thus, I had only 6 items, which would match up to only four coupons and not five.  The error meant a $1.50 benefit to me, as I should have used one of my "Save $1 on One" rather than the "Save $2.50 on Two" coupons.  There was no register beepage, so the CVS system accepted the coupons.  When shopping at CVS, if it doesn't beep, it's good.

Also, some may argue that the CVS Store Coupon "Save $4 off $20+ Skincare Purchase" may not appy to "cosmetic items", but my cashier agreed that cosmetics are used on the skin and accepted the coupon, which scanned beeplessly.

It was very frustrating to shop at this store.  I had at least a half-dozen other items to purchase and the store was once again depleted.  I did receive a rain check for the 2ECB-generating Crest.  Of course, my dollar-off coupon expires in two days, so there goes free toothpaste.  I also have a stack of soon-expiring coupons that, combined with sales and clearanced pricing, would make some purchases extra-cheap or nearly-free.  But the shelves were wiped out at this rural location.

On the plus side, a formerly bitter cashier seemed really pleased with my transaction.  The woman behind me in line joked that she "needed to get her act together" like me and save so much.  The cashier then offered that I always do great deals and a great job saving with coupons and sales.  I was a tad verklempt as this busy-body-ish older cashier has often grumbled and muttered about my stack of (almost-always) perfect transactions or when I find expired merchandise in the store and request my complimentary $2 "oops coupon".

I started with 5.99ECB, spent 2ECB, and earned an additional 9ECB (8ECB for CoverGirl and 1ECB for the fourth use of my cloth bag).  That leaves 12.99ECB for this card.

Friday, March 26, 2010

2010-03-26 -- $1.39

I started with 7.99ECB and wanted to take advantage of the heavily discounted price for Nestle PureLife bottled water this week.  There were very few other items worth buying this week, and the few ECB offers that were available all required a significant additional out-of-pocket expense.  Plus, the lack of no weekly store $5OFF$20 store coupon and the desire to spend minimal OOP led me to just burn down my ECBs and wait for future deals -- and hopefully future regional store coupons.

Regular Prices:
4.49 Nestle PureLife Water (24ct)
4.49 Nestle PureLife Water (24ct)
2.40 CRV (48 X $0.05)

11.38 TOTAL Regular Prices

Sale Prices:
2.99 Nestle PureLife Water (24ct)
2.99 Nestle PureLife Water (24ct)
2.40 CRV (48 X $0.05)

8.38 TOTAL Sale Prices

Coupons and Discounts Applied:
1.00 MANUFACTURER Coupon "Buy 2 Nestle PureLife"
3.99 ExtraBuck
2.00 ExtraBuck

6.99 TOTAL Coupons and Discounts

My OOP expense for this quick transaction, came to $1.39, including the $2.40 CRV charge for 48 bottles of water.  There were a few other store items I could have gotten for nearly free, but I opted to just buy the water.

This transaction pretty much wipes out my stockpile of ExtraBucks.  I started with 7.99ECB, spent 5.99ECB, and earned NO ECB.  That leaves my total ECB balance for my this card at a paltry 2ECB.

2010-03-26 -- 97 Cents

I started with 7.00ECB.

Regular Prices:
5.39 Crest ProHealth Rinse
4.89 Colgate Total Advance (7.6oz)
4.49 Right Guard Extreme Clear
4.49 Right Guard Extreme Clear
1.99 Blade Scorpion Body Spray
1.99 Blade Scorpion Body Spray
0.99 CVS Sport Hair Gel

24.23 TOTAL Regular Prices

Sale Prices:
3.99 Crest ProHealth Rinse
3.99 Colgate Total Advanced (7.6oz)
1.12 Right Guard Extreme Clear
1.12 Right Guard Extreme Clear
1.00 Blade Scorpion Body Spray
1.00 Blade Scorpion Body Spray
0.99 CVS Sport Hair Gel

13.21 TOTAL Sales Prices

Coupons and Discounts Applied:
2.00 STORE Coupon "Any Two Blade"
1.00 STORE Coupon "Any CVS Hair Care Item"
2.00 MANUFACTURER Coupon "Any 2 Right Guard"
2.00 MANUFACTURER Coupon "Crest Rinse"
1.00 MANUFACTURER Coupon "Any Colgate"
4.00 ExtraBuck
1.00 ExtraBuck

13.00 TOTAL Coupons and Discounts

After coupons, my total came to $0.21.  Adding in $0.76 for tax, the total OOP for this transaction was $0.97 cents.

I began with 7.00ECB, spent 5.00ECB, but earned 5.99ECB (3.99ECB for Colgate and 2ECB for Crest). That left me with 7.99ECB.  So once again, CVS paid me a few cents to take these items home.

Wednesday, March 24, 2010

The Wednesday Balance

Card1 = 5.99ECB
Card2 = 7.00ECB

2010-03-24 -- $4.88

I started with 10.00ECB.

Regular Prices:
4.49 Nestle PureLife Water (24ct)
4.49 Nestle PureLife Water (24ct)
2.40 CRV (48 X $0.05)
4.89 Crest With Scope (7.6oz)
4.89 Colgate Total Advance (7.6oz)
3.49 Right Guard Sport RollOn
3.49 Right Guard Sport RollOn
0.99 Gold Emblem Dark Choc Almonds
0.99 CVS Styling Gel

29.92 TOTAL Regular Prices

Sale Prices:
2.99 Nestle PureLife Water (24ct)
2.99 Nestle PureLife Water (24ct)
2.40 CRV (48 X $0.05)
3.99 Crest With Scope (7.6oz)
3.99 Colgate Total Advance (7.6oz)
0.87 Right Guard Sport RollOn
0.87 Right Guard Sport RollOn
0.99 Gold Emblem Dark Choc Almonds
0.99 CVS Styling Gel

20.08 TOTAL Sale Prices

Coupons and Discounts Applied:
1.00 STORE Coupon "Any CVS Hair Care Product"
1.00 STORE Coupon "Any Gold Emblem Almonds"
2.00 MANUFACTURER Coupon "Any 2 Right Guard"
1.00 MANUFACTURER Coupon "Any 2 Nestle PureLife"
1.00 MANUFACTURER Coupon "Any Crest Toothpaste"
2.00 ExtraBuck
2.00 ExtraBuck
2.00 ExtraBuck
2.00 ExtraBuck
1.00 ExtraBuck
1.00 ExtraBuck

16.00 TOTAL Coupons and Discounts

A HUGE out-of-pocket purchase, mostly due to purchasing two cases of bottled water ($2.40 CRV!), a limited number of ExtraBuck offers, and (sadly) the lack of a weekly store coupon from CVS.  My total came to $4.08 + $0.80TAX, for a total OOP of $4.88.

I began with 10ECB, spent all of them, and earned 5.99ECB (3.99ECB for Colgate and 2ECB for Crest).  So I end the day with 5.99ECB for Household #1.

Thursday, March 18, 2010

2010-03-18 -- 74 Cents

I started with 14.99ECB.

Regular Prices:
9.49 Gillette CustomPlus Disposable Razors (10ct)
4.29 Lorna Doone Cookies
4.29 Herbal Essence Shampoo
4.29 Herbal Essence Shampoo
4.29 Herbal Essence Shampoo
4.29 Herbal Essence Shampoo
4.29 Herbal Essence Hair Gel
4.29 Herbal Essence Hair Gel
3.49 Hersheys Easter Minis
3.49 Hersheys Easter Minis
3.49 Reeses Easter Minis
3.49 Reeses Easter Minis
2.29 Betty Crocker Warm Delights
1.99 Blade Body Spray
1.99 Blade Body Spray
0.99 Gold Emblem Dark Choc Almonds

60.74 TOTAL Regular Prices

Sale Prices:
6.49 Gillette CustomPlus Disposable Razors (10ct)
2.00 Lorna Doone Cookies
0.99 Herbal Essence Shampoo
0.99 Herbal Essence Shampoo
0.99 Herbal Essence Shampoo
0.99 Herbal Essence Shampoo
0.99 Herbal Essence Hair Gel
0.99 Herbal Essence Hair Gel
3.49 Hersheys Easter Minis
3.49 Hersheys Easter Minis
3.49 Reeses Easter Minis
3.49 Reeses Easter Minis
0.99 Betty Crocker Warm Delights
1.00 Blade Body Spray
1.00 Blade Body Spray
0.99 Gold Emblem Dark Choc Almonds

32.37 TOTAL Sale Prices

Coupons and Discounts Applied:
5.00 STORE Coupon $5OFF$20 Sacramento Bee
2.00 STORE Coupon "Any Two Blade"
1.00 STORE Coupon "Any Gold Embem Almond"
3.49 STORE BOGO Promotion "Hersheys/Reeses"
3.49 STORE BOGO Promotion "Hersheys/Reeses"
3.00 MANUFACTURER Coupon "Gillette Disposable Multi-Pack"
2.00 MANUFACTURER Coupon "Buy Three Hersheys, Save $2"
1.00 MANUFACTURER Coupon Herbal Essence
1.00 MANUFACTURER Coupon Herbal Essence
1.00 MANUFACTURER Coupon Herbal Essence
0.99 MANUFACTURER Coupon BOGO Herbal Essence
0.99 MANUFACTURER Coupon BOGO Herbal Essence
0.50 MANUFACTURER Coupon Warm Delights
4.00 ExtraBuck
2.99 ExtraBuck

32.45 TOTAL Coupons and Discounts

Once again, my total went negative, this time by eight cents.  Tax came to $0.82, making my OOP only $0.74.

I began with 14.99ECB, spent 6.99ECB, and only earned back 2ECB for the Gillette razors, making a net loss of 4.99ECB.  I did also obtain $5 worth of coupons enclosed in the razor packaging, so that alleviates some of the ECB Loss Pain.

I end the day with a mere 10ECB.

Wednesday, March 17, 2010

The Wednesday Balance

Card1 = 14.99ECB
Card2 = 7.00ECB

Monday, March 15, 2010

2010-03-14 -- $4.14

Whoa....such an expensive trip!

I started with 10.99ECB.

Regular Prices:
9.99 Glade Fragrance Collection (10oz)
9.99 Glade Fragrance Collection (10oz)
9.49 Gillette Mach3 Dispsable (3ct)
5.00 Fruitopia Shampoo+Conditioner Combo Pack
4.99 Gillette Body Wash
4.29 Herbal Essence Gel
4.29 Herbal Essence Gel
4.29 Gillette Fusion Shave Gel
1.00 Spiderman PostIts
1.00 Spiderman PostIts

54.33 TOTAL Regular Prices

Sale Prices:
6.00 Glade Fragrance Collection (10oz)
6.00 Glade Fragrance Collection (10oz)
6.49 Gillette Mach3 Disposable (3ct)
2.50 Fruitopia Shampoo+Conditioner Combo Pack
4.99 Gillette Body Wash
0.99 Herbal Essence Gel
0.99 Herbal Essence Gel
2.15 Gillette Fusion Shave Gel
0.25 Spiderman PostIts
0.25 Spiderman PostIts

30.61 TOTAL Sales Prices

Coupons and Discounts Applied:
3.00 STORE Coupon "Save $3 Any Fragrance Collection"
2.00 STORE Coupon "Save $2 on Fruitopia"
4.99 MANUFACTURER Coupon "Buy Fusion Item, Get BW Free"
3.00 MANUFACTURER Coupon "$3 Two Fragrance Collection"
3.00 MANUFACTURER Coupon "Mach3 Disposable Multi-Pack"
1.00 MANUFACTURER Coupon "$1 off Fusion Shave Product"
0.99 MANUFACTURER Coupon "Buy 1 HE, Get 1 Free"
5.00 ExtraBuck
3.00 ExtraBuck
2.99 ExtraBuck
2.00 ExtraBuck

28.97 TOTAL Coupons and Discounts

After coupons, my total came to $1.64.  However, there was a whopping $2.50 in tax, making my total out-of-pocket cost $4.14.  Yikes.  Oh, how I miss those wondeful $5OFF$20 CVS store coupons.

I started with 10.99ECB, spent all of them (!), and earned back 7ECB (4ECB for Glade, 2ECB for the Gillette Razors, and 1ECB for the fourth scan of my cloth bag).  That means I end with a paltry 7ECB for this household.

Friday, March 12, 2010

2010-03-12 -- $2.19

I started this transaction with 21.99ECB.

Regular Prices:
10.99 Venus Embrace Razor
10.99 LifeFitness Gel Foot Cushions
8.49 Olay Regenerist Facial Cleanser Wipes
7.29 Bounce Free (120ct)
3.29 Stacys Pita Chips
1.99 CVS Deep Moisture Hand Wash

43.04 TOTAL Regular Prices

Sale Prices:
8.99 Venus Embrace Razor
2.75 LifeFitness Gel Foot Cushions
7.00 Olay Regenerist Facial Cleaser Wipes
5.97 Bounce Free (120ct)
2.50 Stacys Pita Chips
1.00 CVS Deep Moisture Hand Wash

28.21 TOTAL Sale Prices

Coupons and Discounts Applied:
2.00 STORE Coupon "Any CVS SkinCare"
8.00 MANUFACTURER Coupon "Buy Olay, Get Razor Free"
3.00 MANUFACTURER Coupon "Any Olay Regenerist Cleanser"
1.00 MANUFACTURER Coupon Stacys
8.00 ExtraBuck
5.00 ExtraBuck

27.99 TOTAL Coupons and Discounts

My balance came to $0.22 + $1.97TAX, for a total OOP of $2.19.  I started with 21.99ECB, spent 13ECB, and earned 6ECB (4ECB for the Razor, 1ECB for Stacys, and 1ECB for BounceFree).

My remaining ECB total is 14.99ECB.