Contributed by member SwapSavers owner of www.swapsavers.com

You can find great deals in the drugstores (CVS, Rite Aid, and Walgreens). Often you can find items for free or even earn money (if the store allows it) when you combine sales, coupons/in-ad coupons, rebates and Register Rewards (Walgreens) or Extra Bucks (CVS). Here are a few tips to make sure you get the best deals.

1. Make a List-Before you enter the store make a detailed list of what you plan to buy and what coupons/rebates are necessary. I also include the weight or size of the product to make sure I purchase the right item. If you know the information you may want to include the area of the store where the items are located to save you time when shopping.

2. Get the Circular/Rebate Book-Upon entering the store, I grab a circular and rebate book (only at Rite Aid and Walgreens). This way I can double check the sales, making sure I purchase the correct item, size, weight as I shop. I can also use any in-ad coupons. You can combine in-ad coupons with manufactures coupons.

3. Check your receipt-Before leaving the store always check the receipt to make sure the items are the correct price and the coupons were deducted.

4. Save your receipt-Always save your receipts since you will need the receipt numbers for the on-line rebates. You also never know when you might need to return or exchange an item.

5. Rebates-Walgreens and Rite-Aid both offer on-line rebate programs, no mailing necessary. The checks are mailed to you or at Walgreens you can get a gift card and earn an extra 10% back from the rebate (i.e. if your rebate check is for $100 you would earn an extra $10). This program is a great way to get a lot of free items or even earn money when combined with coupons (if the store allows). However, you do need enter your receipt on-line and you should always check to make sure the rebate was issued. On a number of occasions the rebate was not issued to my account. I called to find out what the problem was and they either issued the rebate or I returned the product. You should also keep in mind that the sales tax is not included in the rebate so you will have to pay that out of pocket. I have a credit card that I earn 5% cash back at drugstores which happens to be the sales tax where I live. You may want to consider doing this, but of course remember when using credit cards only charge what you can afford.

6. Use your Extra Bucks or Register Rewards-Walgreens or CVS offer these coupons when you purchase certain products. Sometimes the product will be free when you consider the fact they are awarding you the coupon amount for the price of the item (i.e. you pay $5 for the product and earn a coupon for $5 off your next purchase). Keep in mind it is a coupon and does expire. You should keep the coupon in a safe place and make sure to use it before it expires. You can even use the coupon to purchase another product that is free after the rewards.

Sounds like a lot of work? It is time consuming but it is worth it. In only three months I have accumulated enough I have enough shampoo/conditioner, toothpaste, moisturizer, razors, and body wash to last for the next year!

Find out more about drug store shopping in our Drug Store Forums

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Tags: Coupons, CVS, Drug Store, Rebate, Register Reward, Rite Aid, Shopping, Walgreens, Weekly Ad
Posted in Articles, Grocery Shopping | 2 Comments »

Also Known as “I KNOW I don’t spend that much money!!”

So we’re all about to get into the thick of tax season, right? If that’s not tough enough on a body by itself, it normally also gets us thinking about ways we can be trimming the excess in our budgets, especially if you’re like my family and actually have to pay the government AGAIN.

Ok, nope, this is NOT a rant about the IRS, though you can probably find one of those on HotCouponWorld.com’s Hot Under The Collar section. THIS article is about keeping track of where you spend your hard earned dollars so that you don’t end up at the end of month wondering where in the world all your dollars went. Before you can cut your expenses, you need to know exactly how you spend your money.

Whether you are tech-savvy or not, here are a couple of methods for keeping track of your daily expenditures.

First, there is the time-tested method of keeping your receipts. Easy enough to do, but at the end of the month, it requires that you add everything up to see where everything went. If you go with this method, then you need to have a place to put your receipts that will keep them out of the way in your home and you need a filing system to organize your receipts.

If you are using this method, you need to pick up an envelope-type coupon organizer at the dollar store. You can carry that around with you and immediately file your receipt away as soon as you get it. Then once a week or more often if you are so inclined, enter your receipts into your books at home. Programs like Quicken will help you out a bunch. Once a month or so, go through the organizer and make sure you have all receipts entered, then empty the organizer. Find yourself a shoebox and file them away-just make sure you do keep them somewhere for tax (and REBATE!) purposes. Your task will look much less daunting if you only have a few days or a couple of weeks’ worth of receipts than if you have 3 months’ worth.

The Neat Company has a really cool tool called NeatReceipts. Check it out at www.neatreceipts.com. NeatReceipts is a mobile scanner that inputs your receipts. It categorizes your expenses. It keeps digital copies of your receipts for tax time too. This program has a tool that will extract information directly into Quicken, TurboTax, Excel, or QuickBooks. Talk about doing all the work for you! You can save 50% on a Neat Receipt scanner at Amazon for just $124.99 - a savings of $75 over the regular price of $199.

If you don’t have the money to spend on Quicken or something similar, search for free budgeting tools. There are plenty of offline downloads to help you keep track of your expenditures. The downside to some of these programs is that they require you to have the discipline to sit down periodically and enter your receipts or transactions and categorize them yourself, which I am not able to do. I get tired of all the receipts around my house and throw them all in a box, lock, stock and barrel. However, if you can keep up with all of that, these programs can and will work for you.

If you don’t want to deal with each individual receipt and you just need an overview of your budget and how you spend your money, check out www.mint.com. Mint is a neat little program that hooks to your bank account and automatically categorizes your spending from the moment the money leaves your bank account. You can find discussion about mint.com on the Hot Finance Discussion section of HotCouponWorld.

Mint takes a comprehensive look at all of your bank accounts and if you wish, credit card accounts. Year to date info is available at the click of a mouse, and the program shows you your spending trends as well. Using my custom budget that I created on Mint, I can tell at any time how much of my grocery/clothing/fuel/entertainment money I’ve spent. Oh, and if you have a dangerously low balance, Mint emails you to let you know.

All you need to get started is one of your checks, a credit card statement, and statements from any other accounts that you might want to incorporate.

You don’t have to worry about hacking on this website either, or selling your information to other companies. The information you give them is encrypted, and they specifically state that they do not share your information with outside companies. I’ve been a member of Mint for months, and I haven’t gotten any junk mail or spam from them at all.

And, I can tell you that I spend WAY too much on joe.

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Tags: Budget, Budgeting, Excel, Finance, Mint.com, NeatReceipts, Organization, QuickBooks, Quicken, Rebate, Receipt, Tax, taxes, TurboTax
Posted in Articles, Finance | 3 Comments »