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July 2009

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Here’s another great way to save for Disney.

There are tons of survey companies out there that pay you in cash to fill out their surveys. I will be sharing them here on the blog as I get paid by them. (I like to confirm they are legit before I share them)

I have gotten paid by these companies:

1. American Consumer Panel ($8.00)

2. Viewpoint Forum ($10.93)
I don’t think this one is currently hiring, but you can save it in your favorites just in case.

3. Buzzback ($9)

4. Opinion Outpost ($11.80)

5. LightSpeed ($5) Take online surveys, earn points, and redeem your points for Paypal cash, MP3’s and other prizes. Sign up today! Click Here

These are the ones I have not been paid from yet, but my friends have:

1. My Survey

2. Say Nation

More to come as I find them and make sure they are authentic!

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Sales circular

Target has a new sales circular that starts every Sunday morning.

Coupon Policy

You can print the Target coupon policy here.

Key points:

  • Target will accept one manufacturer’s coupon and one Target Store Coupon for each item unless either coupon prohibits this use.
  • A Super Target coupon may be used at ANY Target store as long as the store carries that item.
  • Valid Internet Printable coupons are accepted.
  • If the item value is less than the coupon value, Target will not give cash back. In this situation the coupon amount may be reduced to meet the price of the product.
  • Target does not accept competitor coupons.

Target Store Coupons

You can go here to print the current Target printable coupons. Sometimes they disappear before their expiration date, so make sure you print the ones you think you will use.

You can also sign up for the Target mobile coupons. These are texted to your phone about twice a month.

Target Price Matching Policy

Target has a price matching policy which they refer to as a Low Price Promise. Go here to print/read it.

*Target coupons will be applied BEFORE the price match is made. Once the Target Coupon is applied if the price is still lower then the price match will
be made.

*Manufacturer coupons will be applied AFTER the price match is made.

Gift Card Deals

Sometimes Target offers a Target Gift Card for buying select items. You will need to verify that you are buying the correct items for the Gift Card promotion. Just take the item to the price checker machine and scan the bar code. If it is eligible for the gift card, it will tell you right on the screen.This is important to do because sometimes they only offer the gift card on select scents, flavors, colors, etc.

To earn the gift card, you purchase the items. As the cashier scans your items, she will be prompted to give you a gift card. You can do more than one gift card promotion per order. You can not use that gift card to pay for the current order though.

Here’s what I mean…. say you get a $5 gift card when you buy a box of diapers. When the cashier scans box #1, she will be prompted to give you a $5 gift card. You could purchase 3 boxes of diapers and earn (3) $5 gift cards in one transaction. However, you can not use the $5 gift cards to pay for those boxes of diapers. You can use it to pay for your next order even if those orders are back to back.

You can see all the Target deals here.

(Thanks for your help on this post Totally Target!)

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Walgreens rewards their shoppers with Register Rewards.

Register rewards (commonly called RRs) are coupons from the Catalina machine that print after you make a qualifying purchase. Most RRs are what we call “On Your Next Order” (OYNO) which can be used like cash on your next order (this could be the very next order you are making at the register).

Sometimes you may receive a Catalina coupon for money off a particular item or an advertisement for a current or future register reward deal.

How do you get a Register Reward?

Buy the exact items advertised to receive the RR. Using coupons on these items should not affect whether your RR prints. If it doesn’t print, it is likely because the Catalina machine isn’t working. Insist that they rering you on another register if your RR doesn’t print and you feel like you should have.

If you complete more than one register rewards deal in one transaction, one reward for each different RR deal should print. You will not receive more than one rr for the same deal in the same purchase. If you want to purchase multiple identical items, you will need to complete separate transactions.

If you purchased the right items and didn’t get rr, you can return the items on the spot or call the Catalina company 1-888-322-3814. Have your receipt in front of you because they need some info from it. They’ll be able to see if the machine was working and if you bought the right products. It does tend to take a few minutes for the call and then you have to wait to get the RR which takes 6 – 8 weeks.

How do you spend a Register Reward?

Generally, you can use your RR just like cash on your next purchase, but of course there are exceptions:

Most RR’s explicitly say that they can not be used on tobacco, alcohol, tax, lottery tickets, money orders, stamps, dairy, or any gift cards or pre-paid cards.

As stated in the fine print, you cannot use more RR’s and manufacturer coupons than number of items you are buying. This is what we call coupon to item ratio. As long as you are buying as many items as you have RR & manufacturer coupons, you should be able to use more than one RR. Store coupons do not affect how many manufacturer and RR’s you can use. If you don’t have enough items, grab something for a quarter or less and use your RR for that item. The amount doesn’t matter.

Here’s what I mean…. say you are buying 3 bottles of Suave shampoo and have 3 $0.50 coupons and 1 RR for $2 that you want to use to pay for these items. Since you have a total of 4 coupons according to the register (they count an RR as a coupon), the register will beep when the 4th coupon is scanned and you won’t be able to use it. In order to use it, you will need to purchase a 4th item. This can be any item in the store and can cost anywhere from 1c and up. I usually get individual holiday pencils on the seasonal aisle.

You cannot “roll” RR’s into the same deal 99% of the time. So if you buy an item and it earns an RR, you can not use that RR to pay for a second identical item and get an RR for that one as well.

Here’s what I mean….. if you use an RR from purchasing a bottle of Suave to pay for your purchase of a second bottle of Suave, you will NOT get another RR. The best way to “roll” is to use your Suave RR  to pay for a different RR deal. You can then use the RR’s from the 2nd deal, to purchase more Suave.

How to use coupons at Walgreens

You can read through the Walgreens coupon policy here.

More ways to save at Walgreens

Walgreens puts out at least 2 coupon booklets per month. These can be found at the beginning of each month near the front door where you pick up the weekly ad. They also put out a few extra coupon booklets throughout the year. Many of these you have to request at the Pharmacy.

See all the Walgreens deals here.

(Thanks for the help on this Coupon Katarina!)

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You can actually make money by shopping at CVS. All it takes is a little knowledge and a whole lot of skill.

There are 2 intro’s to CVS I’d like you to read.

CVS 101 Tutorial

and

CVS 101

Now the best way to make money at CVS is to always have Extra Care Bucks (ECBs) in your wallet. Try to always maintain $5 to $10 in ECBs. You won’t want to spend cash on items you don’t *need* and that’s why you need the ECBs. You will use them to pay for the items that are free, but that you don’t really *need*. Your goal at CVS is to keep your out of pocket expense at the barest minimal possible while maximizing your savings.

As always remember to check the CVS forum on Hot Coupon World and A Full Cup!

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When I first went in a Publix store (long before I was a bargain hunter) I thought to myself “I’ll never be able to afford anything in this store!” But since I started using coupons, I went from buying 10% of my groceries in Publix to buying 95%! And I walk away paying pennies on the dollars.

How do I do this?!? Well I am going to share my secrets with you!

It can be scary to start bargain shopping at a new store. The best thing you can do is educate yourself on all things Publix.

Getting Started

Publix is a grocery store based in the southern United States. There are stores in Florida, Georgia, Alabama, Tennessee, and South Carolina. Publix is one of the cleanest and most well maintained grocery stores I have ever shopped. (I have never been in a nasty Publix) Their store motto is “Where Shopping Is A Pleasure” and they operate by this motto. They go above and beyond making your experience a pleasure.

Publix’s Weekly Sale

The first thing to do is to check the local sales paper. The sale runs Wednesday to Tuesday (unless you live in Florida and it runs Thursday to Wednesday). You can visit the Publix forum on Hot Coupon World for the current sales week thread. They have coupon match ups in the first post to help take the guess work out of it. Most Mondays the next weeks ad is posted ahead of time which is great because you have more time to find coupons!

Publix’s Monthly Advantage Sales

Publix also runs 2 seperate sales that run approximately 4 weeks.

The first is Publix’s Yellow Advantage Flyer. This sale is mainly food items and the sale runs from approximately the 6th of the month to the 5th of the following month. The flyer is usually released in the Sunday paper and you can also pick up multiple copies in the turnstyle (the rotating permanent display located either in the lobby or just inside the door). It includes a list of the items on sale as well as store coupons and manufacture coupons.

The second is Publix’s Green Advantage Flyer. It is non food items and the sale runs from around the 20th of the month to the 19th of the next month. The flyer is usually released in the Sunday paper and you can also pick up multiple copies in the turnstyle (the rotating permanent display located either in the lobby or just inside the door). It includes a list of the items on sale as well as store coupons and manufacture coupons.

Publix’s Penny Item

Located within your Sunday paper is a coupon for a mystery penny item at Publix. You must purchase at least $10 in groceries to be eligable for the penny item. This total is before coupons! You can purchase the penny item only on Sunday and Monday and it’s limited to one per customer. You don’t have to rush to the store to get the item. If they run out of stock they will substitute and sometimes the substituted product is better! There is a sign located on either their Sunday newspaper display or at the service desk that lists the week’s penny item. Or you can check this thread each Sunday.

Using Coupons at Publix

In order to save the most money at Publix you need to combine sales with coupons and buy enough to last you from one sale to the next. Let’s use Fruit Loops as an example. Fruit Loops are $4.29 a box at Publix. That’s expensive! But when they are on sale buy one get one free (bogo) you get 2 boxes for $4.39. But it gets better… you can use coupons on both items! So say you are lucky and have two $1 coupons. You pay $1.15 for each box! But if you only bought 2 boxes during that sale and your kids eat them within a week (it’s their favorite cereal after all) then you would pay $3.29 a box after your coupon. You want to try to avoid that!

The different coupons you can use at Publix

Manufacture coupons (also known as MFG coupons)

These are coupons you cut out of the Sunday paper, found in magazines, peeled off the product, found hanging on the product, found in a coupon machine in the store, etc etc. MFG coupon UPCs begin with either a 5 (which means it can be doubled) or a 9 (which will not double).

Printable Coupons

These are coupons you print at home directly from your computer. Some people print these coupons in color or black and white. Be sure to ask at your service desk if they accept printable coupons and if they have any limitations on what they accept. (Is black and white ok? Is there a limit on the $ amount?)

Store Coupons

These are coupons that are store specific. Publix store coupons usually do not have a barcode but have a LU # that the cashier has to type in. Most Publix’s will allow you to combine a store coupon with a mfg coupon. (Be sure to ask about their specifications!) For example: On a box of Fruit Loops, I could use a $1 Publix store coupon and a $1 mfg coupon to get a total of $2 off one box of cereal. You can find store coupons 1. In the weekly flyer. 2. In the Yellow and Green Advantage Buy coupon booklets. 3. In the different magazines located in the turnstyle. 4. In the various coupon booklets Publix issues a year. (These are found in the turnstyle, in displays throughout the store, or in your Sunday paper.) 5. In the coupon inserts in the newspaper. 6. In the mail.

Purchase Off Coupons

These are coupons for a certain dollar amount off your total purchase at Publix. (They are often abbreviated as $/$$ coupons.) There are numerous ways to get these. Sometimes they are in the ad, mailed to you or found in coupon books you can purchase. These are either sold by the school for fundraisers (that’s where I get mine) or they might be included in the Entertainment Book that is sold in your area. You can also check the trade forum on HCW for them. Most Publix’s allow the $/$$ to be used first before all other coupons are applied. (I did have an issue using these in one store so always verify at the service desk before you start shopping at a new store.)

Competitor Coupons

Competitor coupons are store specific coupons for other stores. Some examples are Target printable coupons and Food Lion coupons. Each store specifies it’s own competitors, so be sure to ask before you first shop. (My local stores take Winn Dixie, Food World, Brunos, Walgreens, CVS, and Target printable coupons.) My stores allow me to use a competitor coupon and a mfg coupon together. (You have to choose between using a store and mfg coupon together or a competitor and mfg coupon togehter. You can not use all 3 on one item.)

Double Coupons

Publix stores (NOT located in Florida) double mfg coupons up to and including 50c. So a 25c is doubled at the register to 50c. 50c is doubled to $1.00. A 55c coupon is redeemed at 55c. Only mfg coupons whose UPC number begins with a 5 will double.

The basics of a Publix sales flyer

You’ll notice that Publix indicates beneath each item your savings. It will appear in green. You can use this to get a general estimate of your out of pocket costs. Sometimes it’s lower, rarely is it higher.

Also beneath the title of the item that is on sale is a more detailed description. This will list what varieties and sizes are included and if any are excluded. Also note that on most items Quanity rights are reserved. You might also see a set limit on how many of an item/deal you can buy.

How a sales paper is laid out

The bottom left corner tells you the dates the sale is active. Always make sure to note the dates. When there is a holiday their sale can last as long as 10 days! .

The sale paper is always laid out in category order. The category of the page is located in a bubble at the top of the page.

It is important to be comfortable with how a sales paper is laid out. Also it will help you to quickly find out if your favorite items are on sale.

How do I know how good a deal is?

This is the hardest part of bargain hunting when you are first starting out. The longer you do this the better you will be at judging prices and deals.

You ideally want to stock up on enough to last you to the next sale. You also need to take in to account how much storage space you have and if your family will eat the item.

1. Don’t buy more than you can eat before the item expires unless you have someone to share with or can donate it to a local shelter.

2. Don’t stockpile a new food or flavor that you aren’t positive your family will like. I’ve done this a few times and it’s aggrivating.

3. Always check the expiration date when you are buying a large quanity of items. Don’t buy many if they are close dated!

But how many do I buy?

Well how many Sunday papers are you buying? I suggest buying 4 copies of the Sunday paper if you don’t have other sources. This would allow you to buy 2 sets of a BOGO deal. If you check the Publix sale paper on Wednesday then you might even be able to trade for as many as you need in time for the sale.

I’ve noticed that Publix always repeats a sale within 8 weeks. Some items repeat more frequently but a 2 month sale rotation is a good rule of thumb.

Off to the store I go…
(if you are taking your kids be sure to check the end of this section for tips)

So you’ve got your list, you’ve sorted your coupons and you are prepared to shop. Let’s talk about some different things to consider.

What is a Publix store like?

When you first enter the store you are greeted by displays. The service desk might be to your left or your right.

Always look for the turnstyle. It might be in the lobby or right inside the front door. You will find extra copies of the weekly flyer, different coupon books, advantage flyers, extra coupons from in store sampling etc.

You are also welcome to bring your own reusable shopping bags to Publix or you can purchase theirs for 99c each. These hold so much!

Sometimes Publix will have tables set up with a collection of items that are on sale. They also have these items on the shelf in their regular location. I always pick mine up on the shelf first so I can pick from the different varieties without digging.

The sales should be tagged. If an item is on advantage buy it will have a orange price tag that says advantage buy and lists the dates of the sale.

Always note what price an item is! If you are charged wrong, Publix has a Price Right Guarantee. If during checkout, the scanned price of an item (excluding alcohol and tobacco products) exceeds the shelf price or advertised price, they will give the customer one of that item free. The remaining items will be charged at the lower price.

The item is out of stock

If an item is out of stock, Publix will gladly write you a rain check. Just visit the service desk on your way out the door. Make sure you ask them how long you have to use the rainchecks. One of my local stores have a 10 day policy. Other stores say you can use them whenever. When you are ready to use the raincheck just hand it to the cashier before she rings up the items.

How to hand over your coupons

I always give my $/$$ coupon first. If you give MFG coupons first and the total dips below the amount you need for your coupon sometimes cashiers might argue that you can’t use it. I avoid this problem by giving $/$$ first. Then I give store and competitor coupons next because they have to seperate these from mfg coupons in their drawer and I like to make life easier on the cashier. I finish with mfg coupons.

The cashier will need an override if you have more coupons than items, which can happen if you are combining store coupons with manufacturer coupons. You can avoid this by either throwing in fillers (such as Ramen noodles, mini cereals, or other inexpensive items) or just make sure the number of items and coupons are equal.

I would suggest getting a feel for which cashiers are good at handling coupons and don’t get flustered with multiple coupons.

Check your receipt after your purchase is finished.

1. Verify that all items rang up correctly

2. Verify that all coupons were subtracted at the end.

3. Verify that your penny item coupon took off the appropriate amount

So your kids are coming with you

Publix is very kid friendly. They provide car shopping carts at the entrance. They also have carts with built in car seats and one with an attached bench seat. Stop by the floral department for a free balloon (as long as their helium supply isn’t low), the bakery for a free cookie and the deli for a free chicken finger! Finally on your way out ask for a free coloring book and crayons. Publix is very kid friendly!

Other ways to save at Publix

I highly recommend signing up for these programs:

Family Style
(Comes quarterly with store coupons. Issues in store do not include the store coupons.)

Greenwise
(Comes quarterly. It is an organic magazine and includes a mixture of mfg and store coupons. Issues in store also include the coupons.)

Publix Baby Club
(This is for infants 24 months or younger and expectant moms. They mail a welcome kit with a variety of awesome coupons as well as periodic coupons until the child is 24 months.)

Publix Preschool Pals
(This does not mail hardly any coupons but does send interesting trinkets for your preschooler. Starts at 2 years.)

Upromise
This is a great program explained in length on the Publix website. To sign up, please click below!

UPromise College Dream Sweepstakes

The End!

So that covers everything! If you have any questions feel free to either ask them in the comments section or email me at Photobucket

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5 A Day Mail Campaign details here.

Here are the 5 companies we are emailing today:

1. J&J Snack Foods

2. Bright Beginnings

3. Fruitabu

4. Idahoan

5. Cole’s Garlic Bread

My mail has been boring the past 2 days. All I got of relevance was a $2 off any Schick Quattro or Women Disposable, Razor or Refill product.

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Today is pay day, so that means it’s time to count the coins left from this past week’s spending money. I had $5 in change and it got deposited into the Disney fund.

Photobucket $5 added to the Disney fund Photobucket

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Looks like this deal is now dead.

Get paid to buy the Entertainment book!

The 2009 Entertainment book is on sale for $7.99! And here is an even better deal!

If you haven’t signed up with Cashbaq yet you can actually make $3.01 after purchasing the Entertainment book and paying shipping ($1.99).

You get a $5 sign up bonus and they pay $8 when you buy the Entertainment book! You can check out all the coupons in the Entertainment book before you buy it on the website.

Remember to go to Cashbaq first and sign up. Then look for the Entertainment Book listing under merchants and follow that link to buy the book in order to get the credit. They pay via Paypal once you reach $10. This will put you at $13. Easy money!

If you buy the Entertainment book, be sure to check out the e-book! Details here!

Thanks STLMommy!

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5 A Day Mail Campaign details here.

Here are the 5 companies we are emailing today:

1. Alexia Foods

2. Dole

3. Seapak

4. Florida Natural

5. Bar-S

My mail:

I did not get anything amazing in today’s mail. I got the store ads. I always like those. ;)

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I found quite a bit of money today!

1. I miscounted the money left in the weekly budget and thought I had $40 but I actually had $60. I decided to add this $20 to the Disney budget since it was already spent in my mind.

2. I went through our 2009 Disney trip souvineers because I remembered I had a little bit left on a gift card. Found a change purse full of coins we had packed for the penny press and the laundry. $12

3. I got a check for $6.60 from Opinion Outpost.

4. I found $1 in the dryer!

5. I called for the balance on the gift card and it had $28.64! We had bought a lot of gift cards while we were down there for our spending money.

Total: $68.24!

Photobucket $68.24 added to the Disney fund! Photobucket

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