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CVS (Northern CA) 1/10-1/16
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Confused by my phrases and abbreviations, read about the couponing lingo I use.
It looks like a pretty slow week at CVS this week, but here are the best deals I see.
ECB Deals
Pantene Pro-V Shampoo, Conditioner or Styler: 2/$6.97
Receive $2.00 ECB when you buy 2 (limit 1)
$3.00/2 MC from 12/27 P&G insert
Final Price: 2/$1.97
CVS Green Bag Tag or Reusable Shopping Bag: $.99 (the green bag tag gives you $1.00 ECB every 4th time you swipe it)
Receive $1.00 ECB when you buy 2 (limit 1)
Final Price: 2/$.99
GE Reveal Light Bulbs, 4 pk.: 2/$6.00
Receive $2.00 ECB when you buy 2 (limit 1)
$1.00 off MC from 11/22 SS or 1/3 SS
Final Price: 2/$2.00
L’Oreal Cosmetics: prices starting at $4.99
Receive $3.00 ECB when you buy $10.00 (limit 1)
$2.00 off L’Oreal Face cosmetics printable coupon
$1.00 off L’Oreal Eye cosmetics printable coupon
$1.00 off L’Oreal Lip cosmetics printable coupon
Final Price: will vary
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Cash is King or Pauper
The quote that “cash is king” or the that different studies over the years have come to the conclusion that we spend less when we use cash. Certainly we do have limitation when we use cash, we can’t write an I.O.U to the cashier that says the next time we are in the store we will pay the remaining 5.61 on our grocery bill. But that doesn’t mean I don’t still waste money.
Cash is dangerous for me to carry around, the temptation to buy stuff that I don’t need is very great. When I jingle the change in my pocket, it is a siren call to the vending machines at work and they call out to my weakest desires.
I generally keep cash in my wallet in case I forget to pack a lunch, but recently that money went to a soda pop, donation for a women’s shelter (also to wear jeans to work for the week) and to pay more than my share of the pizza for the team. You see, if I didn’t have cash on me I would drink less soda pop, order less pizza and be stingier with my money for donations.
There are people that go and get cash for their paychecks and make the wad of money last for rent, food and still are able to save. But if I did that, I would be broke a week before I got paid again. Someone asks me for a dollar, I give it. Someone asks for a donation, I give it. I have a craving for a spicy chicken sandwich from the fast food joint, I get it.
The idea of an envelope system to break up the money never worked for me, I would “loan” money to other envelopes without consequence and not always pay it back. And writing down everything I spent the cash on had no consequences. It was similar to a “see food diet”, I see food I eat it. I see stuff to buy, I pay cash and get it. No worries.
Instead, I have learned to carry around my debit card because it is more of a hassle to swipe the card and save the receipt for when I get home to write it in the checkbook as to whet I have spent. It would seem that in my mind there is less accountability for cash than there is with a debit card or check. Cash doesn’t require books to be balanced every time something is purchased. Instead the habit of using a card and writing it down is more ingrained in me than the use of cash and writing it down.
What have you found when you use cash as opposed to a debit card or checkbook?
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Redbox Code 11/2
Today only, you can get one free movie rental from Redbox, by using the code:
TEGJ6FD
To use the code, do the following: on the first screen select “Rent With Promo, enter the code, choose your movie and swipe your debit or credit card (this is in case you don’t bring the movie back. They will put a $1 charge on your card to hold the movie, but if you return the movie by 9 pm the next day, the charge will be removed).
You can use 1 code for each debit/credit card that you have, so to rent multiple movies, just do the above process with each card.
To find the nearest Redbox, click here.
Post from: Being Frugal is Fabulous Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at frugalisfab (at) gmail.com
Related posts:
CVS: Free Neosporin Lip Health (Again!)
I posted last week about a deal to get a free tube of Neosporin Lip Health at CVS. If you missed out on printing the coupon, it’s been re-set, so you’re in luck! As a quick re-cap, here’s the deal:
Buy 1 Neosporin Lip Health at $5.49
Use $3/1 printable coupon
Use $2.50/1 CVS clip free coupon (just swipe your card to receive discount)
Final Price = FREE
Thanks, Common Sense with Money!
Redbox Code 10/4
Today only, you can get one free movie rental from Redbox, by using the code:
QNGJ7KD
To use the code, do the following: on the first screen select “Rent With Promo, enter the code, choose your movie and swipe your debit or credit card (this is in case you don’t bring the movie back. They will put a $1 charge on your card to hold the movie, but if you return the movie by 9 pm the next day, the charge will be removed).
You can use 1 code for each debit/credit card that you have, so to rent multiple movies, just do the above process with each card.
To find the nearest Redbox, click here.
Post from: Being Frugal is Fabulous Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at frugalisfab (at) gmail.com
Related posts:
CVS: Free Neosporin Lip Health & Crystal Light on the Go
There are two more hot deals at CVS this week that you may want to check out. Here’s the scoop on how to get a tube of Neosporin Lip Health and 4 single packs of Crystal Light on the Go for FREE:
Buy 1 Neosporin Lip Health at $5.49
Use $3/1 printable coupon
Use $2.50/1 CVS clip free coupon (just swipe your card to receive discount)
Final Price = FREE
Thanks, Coupon Gal!
Buy 4 Crystal Light on the Go Single Packs for $2
Use $2/2 coupon from 9/13 Smart Source insert
Final Price = FREE
Thanks, Who Said Nothing in Life is Free!
Redbox Code
Redbox has released another code! I’m not sure how long this one will last, but it is reportedly working at most locations.
The code is:9HB6MP22
To use the code, do the following: on the first screen select “Rent With Promo, enter the code, choose your movie and swipe your debit or credit card (this is in case you don’t bring the movie back. They will put a $1 charge on your card to hold the movie, but if you return the movie by 9 pm the next day, the charge will be removed).
You can use 1 code for each debit/credit card that you have, so to rent multiple movies, just do the above process with each card.
To find the nearest Redbox, click here.
Post from: Being Frugal is Fabulous Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at frugalisfab (at) gmail.com
Redbox Code 9/7/09
Today only, you can get one free rental from Redbox, by using the code:
T46T3Q7
To use the code, do the following: on the first screen select “Rent With Promo, enter the code, choose your movie and swipe your debit or credit card (this is in case you don’t bring the movie back. They will put a $1 charge on your card to hold the movie, but if you return the movie by 9 pm the next day, the charge will be removed).
You can use 1 code for each debit/credit card that you have, so to rent multiple movies, just do the above process with each card.
To find the nearest Redbox, click here.
Post from: Being Frugal is Fabulous Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at frugalisfab (at) gmail.com
Spend Cash, But Don’t Forget Opportunity Costs
Over the last couple years I have written many posts extolling the virtues of paying for things with cash. Shopping with cash causes transactional pain - that little twinge you feel when Uncle Benjamin leaves your wallet to be replaced by a few George Washingtons in change. That hurts.
When you swipe plastic, especially plastic representing money that doesn’t belong to you (credit cards), it hurts much less. This is why spending with credit cards is so dangerous. But spending cash can be dangerous, too, for an entirely different reason.
We are a couple months into saving for a Disney vacation in the upcoming year. While we are determined to cash flow the entire trip we also want it to be memorable for our kids. Neither child has been to Disney, and none of us have been on vacation for a couple years. You can probably see where this is headed.
Just because we plan to use cash, there are still plenty of opportunities to be separated from our money, and fast, especially at Disney World! It’s a trap many others have fallen into with big expenditures. The fact you are paying with cash doesn’t necessarily mean it makes sense, financially.
Cash does not equal affordability. I used credit cards for much of my twenties, racking up debt while away at school and again after returning home. I recognized that I could not afford many of the things I charged, but justified their purchase for a variety of reasons. It was school tuition, books, baby expenses, medical expenses, new clothes, and much-needed vacation, etc. Since I was charging these items and not paying off the full balances each month the financial sins were rather obvious each time the credit card bills arrived, and I was greeted with an even higher balance than the month before.
Since we stopped using credit cards a couple years ago, choosing instead to live on a cash basis, I have found that measuring affordability is a little more difficult to do. After all, just having the cash in hand doesn’t guarantee smart spending decisions. There are always opportunity costs associated with spending.
By not spending $100 on a new pair of shoes, or a new tool, or whatever strikes your fancy, you’ll have $100 to do something else such as save and invest that money. That investment will likely grow your original $100 over time, so the money you are giving up in growth represents the opportunity cost of spending that $100 on a new cordless drill today.
In our case, the cash saved for our Disney vacation could be used to pay down our remaining debt, or build our emergency fund, or to invest for retirement. We are giving up plenty of opportunity to spend that money on vacation, but it is a sacrifice we are willing to make for a memorable family vacation. Saving and paying cash does not make the trip any cheaper, but at least we won’t be dragging credit card debt back with us from Orlando.
Post from: Frugal Dad
Redbox Code 8/3
Today Redbox is releasing the last of the monthly Monday only codes.
The code is: 27HZ4KT
To use the code, do the following: on the first screen select “Rent With Promo, enter the code, choose your movie and swipe your debit or credit card (this is in case you don’t bring the movie back. They will put a $1 charge on your card to hold the movie, but if you return the movie by 9 pm the next day, the charge will be removed).
You can use 1 code for each debit/credit card that you have, so to rent multiple movies, just do the above process with each card.
To find the nearest Redbox, click here.
Post from: Being Frugal is Fabulous Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at frugalisfab (at) gmail.com
