Tip of the Day Tuesday: Understanding Coupon lingo

Welcome to all my new readers who may also be new (or relatively new) to couponing!  I know one of the hardest things for me when I was a a “coupon newbie” was trying to understand all the coupon acronyms that were posted on coupon blogs and message boards.  I felt like I was entering a secret society and it was so confusing! 

If you’re new to the world of coupon lingo (or you’ve been around for awhile but still haven’t figured it all out), here’s a key to help you “decode” things on my blog and other blogs/message boards you may visit:
$ off – this is a “slang” term used for most common coupons that have a $ off amount. If you are reading message boards, people will sometimes shorten this to $/1 or $/2 (meaning the dollar off and then the # of items that need to be purchased)

Blinkie – These coupons are usually found at grocery stores and come out of a little machine with a blinking red light

BOGO = buy one, get one (usually buy one get one free or buy one get one 1/2 off)

BOLO = “be on the look out” (some examples = BOLO for these coupons, these clearance items, etc.)

Cat = Catalinas. Catalinas are the coupons that print out at the machines by the register that they often hand you with your receipt. These are usually considered “manufacturer’s coupons” and the items you purchase usually “trigger” these coupons. You can read more about catalinas here.

CRT – CRTs stands for “cash register tape.” These are the coupons that print out at the bottom of your receipt (they have these at CVS and at Target)

DND = Do not double – Some stores will double or triple a coupon to a certain face value. If the coupon says “DND” or “do not double” at the top, this may or may not apply (it will be up to the individual stores)

ECB = Extra Care Buck – you earn these at CVS when you purchase certain targeted items from the weekly or monthly ad. They can be used like cash off your next purchase.

IVC = Instant Value coupon – these are the Walgreens coupon books that you can find at the front of the store (usually by the weekly ads).  Sometimes there are also instant value coupons in the weekly ads.

GDA = Good Deal Advertised or Good Deal Alert

IP = Internet print – these are the coupons from websites such as Smartsource.com or Coupons.com that you print online

MIR = Mail in rebate

NED = No expiration date

OOP = The amount of money you spent out of your own pocket (after using gift cards, coupons, ECBs, RRs, etc.)

OYNO/OYNP = On Your Next Purchase – Some grocery stores offer promotions where you earn a catalina that can be used like cash off your next purchase when you purchase participating items.

Peelie – a coupon that is placed on the outside of a product and peels off

PG = Procter & Gamble insert (from the newspaper, usually comes out at the beginning of the month)

RP = Red Plum insert (from the newspaper)

RR = Register Reward – You earn these for purchasing certain targeted items at Walgreens. These are like catalinas and are considered to be “manufacturer’s coupons” so the one coupon per item rule applies to these as well.

SS = Smart Source insert (from the newspaper)

Tear pad – These are coupons that you can find and tear off on pads (usually near the product) in stores

Winetag/WT – these are found around bottles of wine and are usually good for a $ amount off of the purchase of items such as meat, cheese, and produce. Some require a wine or beer purchase to use them and others do not require a wine/beer purchase (these will be marked as NWPN or NBPN).

WYB = when you buy – Some coupons will say “free item when you buy X item.” In these cases, you can usually use another coupon to buy the “X” item

YMMV = your market may vary (in other words, this is how it works in my area, but the prices/deals may not be the same in your area)

If you’ve come across a term/acronym that you aren’t familiar with, post it here and I’ll decode it for you! 

*This post may contain affiliate links. Please refer to my disclosure policy for more information.

Tip of the Day Tuesday: Walgreens 101

If you’re new to shopping at Walgreens, here’s the scoop to get you started!

Register Rewards

Walgreens does not currently have a customer loyalty card. When you buy qualifying items (noted in the weekly ad), you can earn a Register Reward.  A Register Reward is basically a manufacturer’s coupon that prints off at the register and can be used on your next purchase in the store.  Register Rewards typically have an expiration date that is two weeks from the date of qualifying purchase and Walgreens does not accept expired coupons, so you need to keep track of expiration dates!

Things to know about Register Rewards

*You can earn ONE Register Reward per qualifying item per transaction.  For example, if Colgate toothpaste is on sale for $2.99 and you earn a $3 Register Reward for purchasing it, if you buy two Colgate toothpastes in the same transaction, you will only earn one Register Reward.

*You cannot use the Register Reward you earned from a promotion on the same promotion and another Register Reward.  So, if you buy the Colgate toothpaste mentioned above, earn a $3 Register Reward, and then try to buy another Colgate toothpaste and “pay” using the $3 Register Reward, a new Register Reward will not print.

*You cannot use a Register Reward from the same manufacturer to buy another product from the same manufacturer if the Register Reward that would be earned is of the same value.

I know this sounds confusing, so I’m going to break it down!

Crest toothpaste is manufactured by Procter & Gamble.  So, let’s say you buy Crest toothpaste and earn a $2 Register Reward.  Then, there is also a sale on Herbal Essence shampoo, where you also earn a $2 Register Reward.  If you use your Register Reward from the Crest to purchase the shampoo, your Register Reward will not print.

Let’s say that Gillette razors, which are also manufactured by Procter & Gamble are also on sale, but you earn a $5 Register Reward for purchasing them.  You should be able to use your $2 Crest Register Reward and your $5 Register Reward should print.

*Register Rewards are considered to be “manufacturer’s coupons” and you can only use one manufacturer’s coupon per item. You will have to add “filler” items if you are using a manufacturer’s coupon and a RR. The in ad coupons often have good, inexpensive filler items. (check out the weekly match-ups for ideas)

So, let’s take the scenario with the Gillette razor above.  You have a $2 Register Reward you want to use, but you also have a Gillette coupon.  You can’t use two coupons on one item, so you would need to add a “filler.”

*If your Register Reward doesn’t print for some reason and you have fulfilled all of the obligations for the “deal” (including not using RR from the same parent company to pay) DO NOT let them tell you it is because you used coupons! Chances are they didn’t print because the catalina machine is not working. You have two choices: you can return your items and try again or you can contact the catalina company by doing the following:
*The store will give you a form to fill out and mail in to catalina
*Call 1-877-210-1917, option 1

Other information about shopping at Walgreens:

*At Walgreens, you can use ONE manufacturer’s coupon and ONE store coupon per item (always give the store coupon last to avoid problems)

*If you are buying items that would result in a “free” item or “overage” when combining a store coupon and a manufacturer’s coupon, give the manufacturer’s coupon FIRST, and the store coupons LAST to avoid beeping/issues at the register! (Yes, you can really get items for free or even make money purchasing them)  Make sure that you are purchasing enough items in your total transaction to “cover” the overage. You will not get cash back and you will have to add items to cover the overage or they will not take the coupon.

What is Walgreens policy on using BOGO free coupons with a BOGO free offer, adjusting down coupons, etc.? 
The new coupon policy says that you can use up to two coupons on a BOGO free promotion as long as the total doesn’t go below zero, so you should be able to use two coupons on a BOGO free sale.  It doesn’t really address using a BOGO free coupon with a BOGO free store promotion, so your ability to do this may vary based on your store policy.

What if I have a $1 off manufacturer’s coupon and the item is on sale for $.99?  Can I still use my coupon?
Yes!  Walgreens new coupon policy is to adjust the value of your coupon down to the price of the item!

Do you do multiple transactions at one store on one visit?
It just depends. Several stores in my area have gone to a “one RR per item per day” rule, which means I can’t do more than one transaction where I’m earning RR for the same product at the same store. Some of the stores in my area also will not let you use the RR you earn from one transaction on another transaction in that same visit.  I’m fortunate to have several stores within a few minutes of my house, so I usually try to break up transactions at different stores and on different days to stay in the good graces of my stores.

**Don’t forget to ask for a rain check if an item that you are looking for is out of stock!

Check out Walgreens official store policy here.

**I know this might all sound tricky or overwhelming, but once you get the hang of it, it really is worth it!

*This post may contain affiliate links. Please refer to my disclosure policy for more information.

Tip of the Day Tuesday: Finding Balance in Bargain Hunting

I started this blog almost two years ago and since then, I have had many people comment that they don’t know how I “do it all.” So, to start off my post today, I want to clear up any misconceptions.  I’m not Super Woman and I definitely am not able to “do it all.”  Like many other moms, I struggle to find the balance between all of the different roles that I have in my life:  mom, wife, employee, chef, maid, etc. and to find time for myself.  Bargain hunting is just one more role in the mix and I have a confession to make:  I don’t spend all of my time at CVS, Walgreens, Target, or Kroger and some weeks I don’t even visit some (or any) of those stores!

From my experience, once you become a bargain hunter/extreme couponer, you tend to go in cycles.  When you first discover bargain hunting and how to use coupons, you experience this adrenaline rush and somehow it tends to overtake your life for awhile.  You find yourself waking up in the middle of the night with CVS scenarios on your mind.  Then, at some point, you experience a burn out and perhaps guilt about not having the energy or motivation to do ANY deals.

The key is finding a balance between the two extremes!  Here are some things that have worked for me along the way:


Prioritize

I have found that it helps for me to prioritize all of my responsibilities and then set limits for myself.  So, for bargain hunting my goal may be to build up my stockpile of toilet paper or canned vegetables and so if a hot deal on toothpaste comes along, I have to stop and ask myself if I really “need” all of that toothpaste when I already have 10 tubes sitting in a bin already?  Do I really “need” to drag myself and my kids to 10 different stores on a Saturday or would that time be better spent doing something with my family? 

If you are new to using coupons, you may be wondering what “stock up” prices are and if you should really jump on a deal.  If you’ve started reading message boards and blogs, sometimes it’s easy to be caught up in some of the “deals” that are posted, but sometimes you have to stop and ask yourself if a “deal” is really a “deal” if it’s something you don’t need and won’t use.

I can pretty much guarantee you that you will be able to find a “deal” on toothbrushes, toothpaste, shampoo, and razors at least once a month and by “deal” I mean that you will be able to get those items for free or close to free.  Once you build up a stockpile of those items, you have the freedom of being able to skip those deals sometimes knowing that another one will come around before your stash is gone.  It’s harder to find deals on items like toilet paper or paper towels, so when I see a good deal on those items, I jump on it.  If you want ideas about “stock up prices,” check out my post on “What I’m Willing to Pay for Things” (keep in mind that pricing can vary greatly depending on where you live and also, I’m starting out with a stockpile).

Most grocery items run in sales cycles of 6-8 weeks and over time, you get a feel for those sale cycles.  There are also certain times of the year that are “stock up” times for grocery items.  August and September are good months to stock up on things like cereal, oatmeal, and peanut butter with back to school sales.  October and November are good months to stock up on canned vegetables and canned broth as well as baking items (flour, sugar, chocolate chips, baking mixes, etc.) because there are very good sale prices.  March is “frozen foods month” so you can usually get very good deals on frozen food items during that month.

Organize

Once you learn the ropes of extreme couponing, organization becomes key.  Otherwise, you soon find that coupons, canned goods, toilet paper, and toothbrushes are taking over your house.  Come up with an organization system to store what you have.  Food Storage Made Easy has some great ideas for creative ways to store items in small spaces here.  You also have to come up with a plan for coupon organization.  I plan to post more on this in another post.  You can organize your coupons in a binder (get dividers and baseball card holders to organize your coupons in a binder) or you can store your whole inserts and just clip what you need.  Most blogs do match-ups based on the insert and date.  I write the insert date on the outside with a Sharpie and then file it in a hanging file folder by month.

Give yourself permission to take a break

If you start to feel burned out, give yourself permission to step back and take a break!!  It’s OK! 🙂

*This post may contain affiliate links. Please refer to my disclosure policy for more information.

Tip of the Day Tuesday: CVS 101

If you’re new to shopping at CVS, here’s everything you need to know to get you started!

Extra Care Program

CVS has a customer loyalty program that is tied to an Extra Care card. You can sign up for an Extra Care card in store or online.  Make sure that you register your Extra Care card online.  You will receive a coupon in your e-mail for $4 off your next CVS purchase of $20 or more and they will send you valuable coupons from time to time.  In addition, you can check your Extra Care earnings online and print your quarterly Extra Care Bucks.

What are Extra Care Bucks?

In the weekly CVS ads, look for items marked with a yellow tag – when you purchase these promotional items, you will earn Extra Care Bucks (also referred to as ECBs).  Your Extra Care Bucks will print at the bottom of your receipt and typically have an expiration date that is about a month from the purchase date.  These Extra Care Bucks are card specific and can only be used with your CVS Extra Care card.

In addition to earning Extra Care Bucks for purchasing promotional items, you can also earn “quarterly” Extra Care Bucks.  You will earn a quarterly ECB based on 2% of your out of pocket spending (this means after all coupons and other discounts have been applied).  You will also earn 1 ECB for every 2 prescriptions you purchase in store or online at the CVS Pharmacy.


The earning and payment dates for quarterly ECBs are as follows: (your quarterly ECBs will start printing on your receipt on these dates and you can also print them online)

For ECBs earned December 15th-March 14th:  print date is on April 1st
For ECBs earned March 15th-June 14th:  print date is on July 1st
For ECBs earned June 15th-September 14th:  print date is on October 1st
For ECBs earned September 15th-December 14th:  print date is on January 1st

What if I lose my ECBs?

Make sure you keep your ECBs in a safe place.  If you lose them, you cannot replace them.  Customer service will reprint any unused quarterly ECBs you have earned as a courtesy.

How many ECBs can I use in one shopping trip?

You can use as many ECBs as you would like in one trip!  This is one of the reasons I love CVS!

What if my ECBs expired?

It doesn’t hurt to check with your store – some stores will allow you to use expired ECBs!

What does it mean to “roll” ECBs?

One of my strategies for saving money at CVS is to spend as little as I can ‘out of pocket’ and one of the ways that I am able to do that is by “rolling” my CVS  ECBs that I earn from one transaction into the next transaction.  I use my CVS ECBs to “pay” for the items meaning I’m not spending my own money!

Let’s say that Colgate toothpaste is on sale for $2.99 (this happens pretty regularly), you earn a $2 ECB for purchasing it, and the “limit” for this deal is 2 (check the ads for information about limits on the weekly deal items).  If you wanted to “roll” your ECBs, it would look like this:

Transaction #1:
Buy 1 Colgate toothpaste – $2.99

Spend $2.99 out of pocket, get a $2 ECB

Transaction #2:
Buy 1 Colgate toothpaste – $2.99

Use $2 ECB from the previous transaction

Spend $.99 out of pocket, get another $2 ECB!

You can then “roll” your ECBs into something else or wait for a good deal another week.  My strategy is always to spend the least amount of money out of pocket and to buy things that will earn more ECBs!  Make sure you check out my weekly CVS match-ups for scenarios that will help you roll your ECBs!


What are CRTs?

CRTs are additional coupons that will print out on the bottom of your receipt.  These typically have a shorter expiration date than ECBs (ranging from a few days to one or two weeks) and are “store” coupons so they can be used in addition to manufacturer’s coupons!   Look for red “scanners” in your stores and scan your Extra Care card at these machines whenever you visit a store – CRTs will also print from these machines!  Typically, the CRTs you ge wll match up with upcoming promotions and help you save even more money!

Buy One, Get One Free Promotions

If your store is having a Buy One, Get One Free promotion and you have a Buy One, Get One free coupon for that item, you can get two items for free!

A few more “tips” ~

*If you are participating in a promotion that says “Spend this amount, get an ECB for this amount”, you do not have to spend the total amount all in one store or in one transaction.  If you look at the bottom of your receipt, it will tell you how much you have left to spend.  This really helps if your store doesn’t have everything you need in stock!  This also applies for a “Buy 2 items, get an “X” ECB” promotion”

*The amount you have to “spend” is based on your total BEFORE coupons!

*If your store is out of an item, make sure you get a rain check!

You might also want to check out this article on “Helpful Tips for Rookie CVS Shoppers.”

*This post may contain affiliate links. Please refer to my disclosure policy for more information.

Tip of the Day Tuesday: How to double and triple coupons

If you are new to using coupons, you may have heard of “doubling” and “tripling” coupons, but this terminology may be confusing.  I get lots of questions about what this means, so I thought I’d provide some clarification!

What does it mean to double and triple coupons?  Does that mean I can use two or three coupons for one item?

You can only use one manufacturer’s coupon per item ever.  If your stores double or triple coupons, it means that the store will double or triple the face value of the coupon.

For example, if you have a coupon with a “face value” (meaning the actual value of the coupon) of $.35 and your stores triple coupons, then $1.05 would be deducted when you purchase a qualifying item and use the coupon.  If your stores double coupons, $.70 would be deducted when you purchase a qualifying item and use the coupon.

I have a few grocery stores in my area that triple coupons with a “face value” up to $.39 and double coupons with a “face value” up to $.50.  This is great because it means that when items are on sale for $1, I can get them for free if I have a $.35 or $.50 coupon! (this is how I get a lot of my free frozen fruits and veggies!)

How do I know if my stores double and triple coupons?

A lot of times, stores will advertise that they double and triple coupons in their weekly ads.  If your store doesn’t do this, it doesn’t hurt to ask!  You also want to be sure that you know the store’s policy for doubling and tripling coupons (my Kroger store will double or triple up to three of the same coupons per transaction, so I was very surprised once when I found out that my Randalls store would only double or triple one of the same coupons).

Doubling and tripling coupons is also typically regional, so even though your Kroger or Safeway store may double and triple coupons in your area, if you go to visit friends and family somewhere else, they may not have this policy.  Also, the amounts that they will double and triple up to sometimes varies.  I know in some areas, they double coupons with a face value up to $1 (I sure am jealous of people that have that policy!)

Many times, you also have to have a customer loyalty card or a special coupon to activate a double or triple coupon promotion.  Again, it’s best to check with your store for details.

Also, typically, you do not get “overage” from using a double or triple coupon promotion.  For example, if I am buying an item that is $1 and I use a $.35 coupon which will triple, only $1 will be deducted rather than $1.05.

My coupon says “do not double” – will it still work?


It might work.  It depends on the coupon.  If you look at your coupons, there is a “code” along the bottom of the coupon (I’ll be explaining this works and how to “read” it in a future post).

Here’s a coupon for reference purposes:

On the lower left hand side, you’ll notice a code along the bottom that starts with a “5”  From my experience, even if the coupon says “do not double/triple” at the top, if the code at the bottom starts with a “5” your coupon will still double.  (The code on this coupon starts with a “5”)

If the code at the bottom starts with a “9” then the coupon will not double/triple.  Most of the “blinkie” coupons you find in the machines in grocery stores start with a “9” and will not double or triple.


*This post may contain affiliate links. Please refer to my disclosure policy for more information.