Those annoying rewards cards???

Ok, so I'm pretty sure that everyone has and knows about a Shaw's Rewards Card. It's what is also referred to as a courtesy card.

courtesy card n. A card that confers on its bearer a special right or privilege, as at a supermarket or bank. Almost every large store or chain offers a rewards, courtesy, or membership card to its customers. The catch is that you normally have to go online and fill out a form to get one or hold up the line at the register and fill one out on the spot. Once you've done this, you get a card that gives you access to sale items, gives points that add up and as a result you receive a discount or coupon, or gives a percentage off at the register. Regardless of the actual benefit, you need to take the time to do this at every store you stop at. Seriously. It might take you a Sunday afternoon to do this but the pay off is big. Now the down side, you have numerous cards to add to your wallet and you may start getting frequent ads from the stores you signed up at. But, it's worth it in the long run. Target gives you 5% off every single purchase. Rite Aid adds money to your card so that the next time you buy something they automatically take it off your total and so on. Here are some cards that seem to have a pretty good payoff: Target Shaws Hannafords Rite Aid  Petco Pet Smart CVS Starbucks Best Buy Walgreens So get going and sign up for these and/or any places you frequently shop at. Just make sure you carry the card and use it each time you shop there. It really does add up. It's free money!

The Value of Using Coupons

So today is the day that I prepare for my grocery shopping trip of the week. In my area, two of the three major grocery stores start their sales on Sundays. I subscribed to the newspaper when a person from their sales department called and offered to give us the paper on Thursdays, Saturdays, and Sundays for $1 for an entire year! We got a bill in the paper later for a total of $1. Seriously! So now I get a Sunday paper overflowing with coupon inserts and I try to make shopping fun.

I sit at the dining room table with my laptop, notepad, scissors, and my coupon organizer. I fix myself a hot, steamy cup of fresh coffee and go to work. I scan the flyers and find the third store's flyer online, as they don't mail theirs out. I then make a column for each store and jot down all the loss leaders (the huge savings on a couple of items splashed on the front page of their flyers) for each supermarket. Then I look for coupons for those items if they apply. As I scan the rest of the flyers I add the sale items that I actually use, doing a quick check for a coupon. I don't buy anything, no matter what a steal it is, unless it's healthy and a product that my family actually uses. By taking a few minutes each Sunday to prepare for my weekly shopping trip I save $20 to $30 on my $100 budget per week for groceries.

We eat only foods on the food pyramid and by shopping like this each week we have accumulated a small stockpile of all of our favorite foods and household products. There is no waste at my home. I don't obsess over couponing but I also see the great value in using them. Couponing is time well spent.

Saturday Night Out on the Cheap

I am a true believer that scrimping and saving in all aspects of life is necessary to obtain the good things later in life. That said, I still think that a couple needs an occasional date night. So when my husband and I want to enjoy a night at a "fancy" restaurant the bargain shopping doesn't stop. I always go to restaurant.com and find a local restaurant that is offering a fantastic discount. Go to the website and read everything carefully as some specials are not valid on the weekends. Sometimes our date night is on a Wednesday night because I was able to score a 75% discount on a meal during the week.

This week is "Restaurant Week" in my area. I found a restaurant that gave us a $50 coupon for $25. During Restaurant Week there is usually a special menu that offers a three-course meal for around $30 per person. After looking over the menu I chose a lobster chowder as my appetizer which costs $22, I got a seared sea scallop dinner which costs $28, and a flourless chocolate cake for dessert that sells for $8. My meal before tax and tip came to $58 for food for one person. Now double it for my husbands three courses and we're up to $116 for our total food.

Now it's Restaurant Week and that $58 each is now only $30 each. Now let's think back to the $50 dollar coupon we have. So basically the food came to $60 minus our $50 coupon. We only ended up owing $10 plus tip and tax for two, three-course meals that would normally cost $116.00! We spent the $25 for the coupon and $10 for the balance equaling $35 for $116 worth of food. Not that is a cheap but very fun date!

More for your money in the produce department

When buying prepackaged fruit, vegetables, or nuts in the produce section always weigh before buying. If the product is sold by the package, not by the pound, weighing several packages is key to getting more for your money. Let's take potatoes for example. The potatoes may be prepackaged into bags marked "5 pounds" but from my experience most bags weigh in at different weights. Let's face it, potatoes are not identical in size and weight. So some bags will weigh in at anywhere from 5 pounds to almost 6 pounds for the same price. I always weigh several bags, taking the heaviest one which sometimes results in almost an extra pound of potatoes, free. Do this with carrots, celery, peppers, green onions, oranges, apples, any pre-bagged product. Get more produce for the same amount of money. This can really add up if you take a moment to do this on each shopping trip.