The Importance of Checking Your Receipt

I know I just did a post on this topic, but I cannot stress enough the importance of checking your receipts.

I was working on getting a post up about a recent trip to Target. As I was looking at my receipt, I realized that I was overcharged by over $5. There are 5 coupons that show up on my receipt as scanned but were not deducted from my total and 2 products that I was charged from than the price on the shelf.

I had actually asked the checker about some of the coupons that were scanning as $0. She told me it was because they were store coupons and would be taken off automatically. Of course, these were the coupons that didn’t deduct.

This is third time this has happened to me in the past couple weeks (twice at Safeway and once at Target). It is so frustrating, especially when I don’t realize it until after I get home. $5 is a good chunk of change and represents over 10% of my total. So back to Target I go tomorrow.

It makes me sick to think about how much I overpaid in the past before I was so diligent about checking my receipts and coupons.

Rite-Aid: Single Check Rebate

So I know I promised to work out a scenario at Rite-Aid this week to help you maximize your +UP Rewards. But honestly, the +UP Rewards this week kind of suck. Most of the deals in this weeks ad are focused on Rite-Aids other discount program, the Single Check Rebate.

The Single Check Rebate program allows you to enter your Rite-Aid reciepts online and recieve a rebate check at the end of the month for a variety of offers. There are a couple things that I like about this program. First, the rebate items are cleared marked in the ad and at the store. Second, the rebates are often high-value which can result in free items. And lastly, the rebate check can be cashed at your bank or used directly at Rite-Aid on a future purchase.

But there are some things about this program that I don’t like. First, in addition to entering your reciept information, you also have to select the offers you are submitting for rebate. It seems like the system should automatically be able to match them up. The biggest drawback to the Single Check Rebate program is that it takes about a month to get your check. I’m more of an instant-gratification girl, so I generally only use the Single Check Rebate program on products that my family will definitely use. I could technically get some free items to donate, but it doesn’t really feel free when you have to wait that long for the rebate.

You can find a list at This Beautiful Frugal Life of products that are free with week using the Single Check Rebate program.

This Beautiful Frugal Life also posted a heads up for a +UP Reward deal for next week. Dig out your Dove deodorant coupons from the 1/30 Red Plum insert and hang on to them for a $2 moneymaker next week.

Rite-Aid +UP Rewards

I have mentioned the Rite-Aid +UP Rewards in many of my previous blog posts, so I thought I would take a minute and explain exactly how this program works. In a nutshell, +UP Rewards are money you earn on your purchase that can then be applied to your next purchase.

This is a page from the Rite-Aid circular ad from this week. See the Colgate toothpaste in the middle of the page? The amount in white ($2.99) is the price you will pay out of pocket. The amount in yellow ($2.00) is the amount you will get back as a +UP Reward. The amount is red ($.99) says “It’s Like Paying”. Keep in mind, you will not actually pay $.99. You will have to pay the $2.99 out of pocket. You will then get a $2 +UP Reward that prints with your reciept.
The key to using the +UP Rewards is rolling them into your next purchase. Your first trip to Rite-Aid will cost you a bit of money out of pocket, but if you plan it right, it will yield you +UP Rewards to use on your next trip. Most +UP Rewards expire 2 weeks after they are printed so in order to use them effectively you need to shop at Rite-Aid at least every other week. +UP Rewards can also be rolled immediately into your next purchase, so sometimes it makes sense to split your order into two transactions.
In addition to earning +UP Rewards on individual products, you can also earn them for purchasing a certain amount of particular products. The yellow banner on the page above shows that you can earn $10 +UP Rewards for spending $30 on participating products or $20 +UP Rewards for spending $50. The great thing about this is that the $30/$50 is calculated before any coupons. On my recent trip to Rite-Aid, I purchased items that totalled $30 to get the $10 +UP Reward, but I had $14 in coupons that I used.
I had a scenario all laid out to share with you that would have yielded a profit of $15 in +UP Rewards, but unfortunately the printable coupons that you need are no longer available. As soon as this coming week’s ad is available, I will share a scenario with you to help you start your +UP Rewards savings.

Organizing Your Coupons

I think one of the main reasons that couponing is such a good hobby for me is that it is all about organization. And I love organizing things. A lot. This is how I keep my coupons organized. The best advice I can give you is to find a system that works for you and go with it.

This is my file box for storing all the weekly coupon inserts. I go through the ads when I get them and occasionally cut out a coupon or two that I know I will need soon. But for the most part I leave the inserts in tack and clip the coupons when I need them.

I staple the insert together to try and keep all the coupons together. Then, I write the date of the insert on the front. As I am putting together my shopping lists from other blogs, I am able to quickly find the coupons that I need. For example, I posted this recent Target match-up:

Kraft Fat Free or Lite Salad Dressing 16 oz Bottle
$1/2 Kraft Select Products
$1/2 Kraft Dressing (1/23 SmartSource Insert)

I was able to go to the 1/23 SmartSource Insert, clip that coupon, and add it to my purse coupon file.

I carry this coupon file with me all the time. In the front (the yellow dividers), I organize coupons by product type. The blue dividers are for coupons specific to a particular store (store coupons, catalinas, etc.). When I make my shopping list, I clip or pull the coupons I need and put them behind the stores name.

When I print coupons, I tend to clip them right away and store them in my purse coupon file. It can be hard to keep track of printable coupons and this way I don’t forget what I have.

Twice a month, I go through and pull the coupons expiring in the next two weeks. For example, today I pulled all the coupons from my purse file that expired by 2/15. I keep these in the front of the file just a reminder of deals to watch for.

A lot of people have asked me about how to organize coupons, so if you have specific questions that I didn’t cover, please leave a comment and I’ll do my best to answer your questions.

What is a Catalina?

When I first started reading couponing blogs, I was very confused by the number of coupons people were writing about for a salad dressing that no one has bought since 1986. Turns out a “catalina coupon” is not a coupon for salad dressing (yes, I literally thought that’s what they were).

Catalina coupons are those coupons that print out at the register that cashier usually hands you with your reciept.

These coupons are triggered by the items that you purchase. Sometimes they are for competing products, sometimes they are for your next purchase of the same product, and sometimes they are money to use on your next purchase of anything in that store.

Catalina coupons can generally only be used at the store that generates them (this information prints on the coupon). However, some stores in the same “family” will take catalina coupons from one another. In the Northwest, QFC and Fred Meyer catalinas can be used at either store because they are in the Kroger “family”.

Most catalinas are manufacturer’s coupons so they cannot be combined with another manufacturer’s coupon. However, Target has their own catalinas which print as Target coupons and can be stacked with a manufacturer’s coupon.

Sometimes I know about a catalina deal ahead of time from a fellow blogger. Sometimes you will see a tag near the product that indicates a catalina promotion. And sometimes, it is a total surprise what you get back.

What other questions do you have about catalina coupons?

Shopping Tip: Unit Price

Every good grocery shopper knows the importance of paying attention to unit prices. This is the small (sometimes teeny tiny) price listed on a price tag that tells you the price per ounce/pound/can or some other increment. Paying attention to this price is key to making sure you are getting the most for your money.

I went to Albertson’s this weekend to pickup some Coffeemate liquid creamer that was on sale (not a great sale, but I was out and consider this to be an absolutely life necessity). The 32oz containers were on sale for $3.99 and the 16oz containers were on sale for $1.99. A quick glance at the unit price on the price tag showed me that the price per ounce was essential the same ($0.12/oz).

I had two $.75/1 coupons that could be used on any container larger than 15oz. If I had bought the bigger container, I would have only been able to use one coupon. But by buying two smaller containers, I was able to use both coupons and save myself an extra $0.75. Not huge, but every little bit helps.

When comparing unit prices, make sure the tags are using the same increment. For example, some soda tags list the unit price per ounce while others list it per can. Also, sometimes a sale price tag won’t list the unit price. Take the time to pull out your calculator and do the math to make sure you are getting the best deal.

Stacking Coupons

My friend, Carmen, recently asked me how stacking coupons works. I thought I would write up the answer in a blog post in case anyone else had the same question.

You can only use one manufacturer coupon per item. But most stores will let you stack a manufacturer’s coupon with a store coupon.

The trifecta is stacking a store sale with a store coupon and a manufacturers coupon. Here’s an example from my recent trip to Target.

Garnier Cleansing Towels
Regular price $4.74
Sale price $4.24

I bought 2 and used the following coupons:

(2) $2/1 Target web coupon (store coupon)
(1) $2/1 manufacturers coupon
(1) $1/1 manufacturers coupon

Final price = $1.48

Some stores will allow you to use a BOGO manufacturer’s coupon on a BOGO store sale in order to get both items for free. I did this on a recent trip to Rite-Aid.

Special K Cereal
Regular price $4.99
Sale price BOGO

+ BOGO manufacturer’s coupon

Final price = $0 for 2 boxes

Frugal Living NW recently did a post on coupon stacking that has a great list of where to find store coupons.

What other questions or topics would you like me to cover?

My Couponing Rules

As I mentioned in my first post, couponing can get addictive really fast. But things are only a good deal if you are going to use them. I have heard about a show on TLC called Extreme Couponing (we don’t have cable so I haven’t seen it yet), about people who have thousands of items stockpiled. I don’t have the space or the desire the become that person. My goals are to save my family money on things we will actually use and to donate generously anything that we won’t. So here are my basic rules:

1) Don’t buy something just because it is a good deal. However, I do seek out free items that I can donate to a local food bank or shelter.

2) Don’t hoard. I won’t buy more than our family can use in 3 months. For my donation items, I have one large bin that I store everything in. When it’s full, it gets donated.

3) Make a list and stick to it.

4) You don’t have to go to 100 different stores to get the best deals. My weekly shopping trips are generally to Rite-Aid and Safeway. I go to Albertson’s only when they have double coupons. I also shop at Target, Fred Meyer, and Costco but those trips are generally for specific items.

5) Be polite to cashier’s and other people in line. If you have multiple transactions, go to the back of the line rather than holding everyone up.

6) Pay attention as your items and coupons are scanned. Make sure you are getting the correct price and that all your coupons scan. I am still kicking myself over a $5 coupon that got missed on a recent Target trip.

7) Have fun. Enjoy the thrill of the hunt and the savings!

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