Archive for the ‘SmartCanucks’ Category

Happy New Year

I have really slacked at posting this year but things have calmed down in my life and I hope to be back blogging.

I joined weight watchers in September have have lost 17.5lbs (if it is a resolution of yours to lose weight and you are also thinking about joining, join through Great Canadian Rebates for a $15 rebate by paypal (plus $2 just for signing up) as well as weight watchers waiving the join fee, so under $22 a month.

I am hoping tracking about my experiences on weight watchers will help keep me on track and accountable as I slacked a little over the last few weeks.  I have to recommend skinnytaste here too, her recipes are amazing and you would never guess that they are healthier versions when tasting them.

I just hit 250 referrals on swagbucks today, so a huge achievement!  I am now earning $50ish a month without spending too much time on it, I have given up doing a lot of the time consuming things like offers and surveys.  Unfortunately we are now going back down to less SBTV wins so that will cut some of my earnings so YAY for the people who signed up under me over the last few weeks.

So… back on track for 2012

Coupon Ethics

couponethicsgandhi

No blog for a while, I guess I needed to formulate this in my head before putting it in print.  I know there are many sites out there with articles and blog posts on ethical couponing, so it is not new and will probably never change.  Free is no longer good enough, people need to go further; make their own coupons, misuse regular ones in order to make extra money etc.

It is increasingly hard to coupon, even my favourite cashiers are saying that their managers are coming down on them because of the recent misuse of coupons.  I know much of this is to do with the increase in new couponers due to economic circumstances and the TLC show Extreme Couponing, but it feels like there is a new trend of free is no longer good enough.

Like many, I try to be ethical in my couponing, I don’t clear shelves, I read each coupon to ensure that I am using it correctly, but more than that, I try not to buy items I don’t need/want just because they are free.  Recently, Shoppers Drug Mart offered Advil Night Time at $3.99 plus 1000 bonus points and there was a coupon for $4 off any size.  10SDM counts points at regular value when they market them so 8000 points = $10 (compared to the 95k points = $170 or $200 on bonus weekend that we use to assign a value to points, because why waste value).  Even at the lowest redemption level, the points more than covered the tax on the item and you made extra in points value.   Did I take advantage of this? Yes, of course I did, we have about 15 advil caplets left in the bottle at home so we needed some soon anyway.  However, all over the internet, I see brags of people who bought 40+ packs of advil (and complained there were no more on the shelves when they went back for more!) and complaints from others who would have liked to grab a few packs to up their points total to get enough to redeem.  Not even that, but a sudden influx of people selling Advil Night Time on Kijiji / Ebay etc for $2+ a pack plus shipping from all the extras they bought.

If that was not enough to make my blood boil, there is now a need to misuse coupons as well as a coupon policy to make money on couponing.  Nivea offered a $2 off coupon, it specifies it is not valid on certain sizes, but they neglected to include a sample *not even trial, 15ml lotion* size on the coupon.  It can be found for about $1.  So people are printing out Walmart’s US coupon policy which allows change from coupons, and buying large amounts of it so they can get change back towards other purchases.   Most coupons state “We will reimburse you … provided you accept this coupon from your customer on purchase of the item(s) specified.  Any other application constitutes fraud.”  Since they are misusing the policy to begin with, it is fraud, but the manufacturers are giving you $3 off their item and if their item should be $2.47, they are giving you their item free, not $2.47 off their item and $0.53 towards your other purchases when the store policy specifically restricts it.

I wish people could use common sense when couponing, it would make life so much easier.  We already deal with rude cashiers who hate coupons and annoyed people behind us while our coupons are processed, why give these people fuel for their arguments?

  • Buy what you need, and only what can be used before it will expire.  Buying 100 tubes of toothpaste when you live alone just because it is free is not a deal – you are adding to the waste we leave behind on the planet and wasting money on taxes for items you wont use.
  • Don’t buy into the trend that free is no longer good enough or that you have to save $200 a week because others are.  I would rather save $20 on items I actually need than have a brag about 100 items I don’t need.
  • Do use common sense when making purchases with coupons, misusing them for your own gain just means that more and more restrictions will be placed on them or the manufacturer will not offer them at all.

Found the $3 Eversleek coupons!

Eversleek

Eversleek Coupon

I have mentioned several times how much I like L’oreal Everpure and the new Eversleek products so I was very happy to see that there was a $3 coupon to be used on any of their line this month, yet no one had found the coupon.  A fellow SmartCanucker mentioned finding them at a Rexall near where she worked and since I was in Toronto yesterday I went in search of this store and coupon.

I tried both stores that were recommended, the Shoppers Drug Mart was impressive but no coupons, the Rexall however was a jackpot hit.  I found the Eversleek coupon, the $4 off Advil Night Time (which is on sale for $3,99 this week at Shoppers Drug Mart so free with coupon), $2 off Selected Nivea products and $3 off Herbashine hair colours which are also on sale this week. Using these coupons alone, I am sure I can get my out of pocket cost for the spend $75 and get 18,500 points at Shoppers this week

January Savings

reportI didn’t do any major stocking up in January, so this is mostly groceries.  I am getting back into the habit of tracking everything rather than just coupon shopping.  I notice a lot of people use the same tracker and have a coupon on every item but unless that is all junk they are eating, I don’t think it really shows savings.

  • Regular Prices: $1,283.16
  • Shelf Prices: $702.02
  • Coupons: $225.51
  • Discounts: $41.64 (SPC / $5 off WUS $x etc)
  • Paid $434.87

I have also redeemed for

  • $35 Amazon gift certificates ($25 Amazon.ca and $10 Amazon.com) from Swagbucks
  • $15 Amazon.ca gift certificates from TNS

After not being paid for December searches using the Airmiles toolbar, I have decided to uninstall it, there was no reply to my complaint about that either.

New Year … New Goals

As I mentioned in my earlier posts on my couponing resolutions (posts one & two), this year I wanted to be better organised to maximize savings

1. Organize coupons better – CHECK! My binder system seems to be working well for me and I have my new huge accordian file for trading.  I went through both for expired coupons yesterday after shopping and since I only have a pitiful collection of coupons left, they are well organised :)

2. Track spending and savings – As I mentioned, a member of SmartCanucks supplied great excel tracking sheets and I downloaded a yearly tracker where I can put the totals from each shop in a monthly chart and it updates a summary sheet with total savings over the year.

3. Make better use of loyalty programs – There is actually 20x the points at Shoppers Drug Mart today but there is nothing we need enough to bother going out and spending money.  I think we may live off the stockpile for a while.  I did just redeem 160 Airmiles for a $20 Gift Card to Metro for groceries.

4. Maximize savings by using Great Canadian Rebates etc – I have shopped online over the last few days but none of them were listed, but I did get a 5% discount on a new harddrive I bought from ebay for paying with paypal.

5. Keep better track of surveys and rebates – check! I added a sheet to my excel chart to track these

6. Track the above on here – well that is exactly what I am doing so check!

7. Login to GSN every day and do the daily questions etc – I have been slacking on this a little but hey its a new year and my resolution starts today right?

8. Use the Airmiles toolbar daily – I have slacked on this a little too but I did earn 20 Airmiles for using it for December.

So to start January:

Thanks to many new referrals on Swagbucks, I have enough to get five $5 gift cards to Amazon (it is two prizes per day so these will be bought over the next few days) = $25 and some left over to decide what to spend them on.  I am also trading $10 of Amazon.com GCs earned on it for Amazon.ca with another SmartCanucker who uses Amazon.com = $35

Thanks to many bonus offers on Airmiles, I had enough to redeem for a $20 gift card to Metro to be used towards groceries = $20

ThermoKittyFrom GSN I redeemed my oodles for a thermo-kitty bed for the cats.  When we first got Quincy he destroyed many of their beds and we didn’t replace them because he was still a tornado of destruction but he seems to have calmed down so they get the bed shown, worth $45-60 depending on where you buy it (plus shipping).  According to the description:  Super soft orthopedic foam base complete with a 4 watt heater enclosed so they should love it

Not bad for the start of the year, $100 of free stuff on the way and some survey companies soon to credit also!

Women’s Day In the Courtyard

This is an annual event, but the first time I went.  I met up with some of the Smart Canuck Toronto ladies just before 10 to line up for our goodie bags from CHUM FM

Photo by me@t K@tie since I didn't take one of mine, but we got most of the same stuff

Photo by me@t K@tie since I didn't take one of mine, but we got most of the same stuff

Lots of freebies!

  • Insulated lunchbag from Natural Selections Deli Meats (and a pile of $1 coupons)
  • 6 x Nestle Water
  • 1 x Eska Water (the bottle is cute)
  • 2 x Lipton Iced Tea cans
  • Purdy’s Chocolate Samples and coupons
  • Triscuit Boxes
  • Gift Card to Victoria’s Secret
  • Rice in a bag meals
  • Nail File
  • Lip Balm
  • Biore samples
  • Shampoo and serum samples
  • Herbacin samples
  • toothbrush
  • Frizz Ease Samples
  • oooh and a little sponge stressball type thing in the shape of a pill bottle
  • and various coupons

Checking out the sales

Earlier this year, I was disappointed when the local newspaper stopped delivering store flyers to us (thankfully we get them again) but it made me look into alternative sources for the flyers and finding the sales.

Of course my first stop is always SmartCanucks, you can usually find all of the weeks flyers posted (and usually before they come with the newspaper too thanks to a few members).  The coupons to use with flyer deals thread, posted each week, is invaluable, but what about those products that you don’t have coupons for and still want a great deal

If the flyer I want is not posted there, I try flyerland.ca where you can download all sorts of flyers, not just the grocery ones found on SmartCanucks

Another really useful site is grocery savings, this is invaluable when pricematching as I alwasys seem to miss a deal when I look myself.  You paste or type in your grocery list and it searches all the flyers for the best deals – then I mark them on my flyers and note on my shopping list which store I am pricematching to so I can keep those products together when at the cash.

For those not in the flyers, you can use No Frill’s Low Price Report to chgeck out the prices of items to get an idea of where they are cheaper, it is limited in the stores it covers but is certainly a good start!

With pricematching (or visiting all the stores with good deals to increase your coupon hunting skills and couppon stash), you can often get a product really cheap using regular coupons with a great deal.  For example the Flakes of Turkey I picked up yesterday are regularly $2.18 at Walmart (and were at regular price yesterday).  I pricematched with No Frills to just $0.88 and then used $1 WUB2 to get $0.50 off each can so just $0.38 each – a saving of $1.80 on each can.

Following up on Do The Math!

Survivor: Ontario Welfare Edition mentioned that people on social assistance get $27 a week for food.  Ten prominent Torontians lived this (admittedly through a food bank basket so they did not have the option for couponing) and most failed miserably.

Imagine you went to the grocery store and purchased these items: a dozen potatoes; two pears; a couple of carrots; 12 small onions; a litre of milk; a small box of cereal; some canned soup; a couple chocolate bars; some yogurt, peanut butter and a package of chicken wieners. Now, imagine something else: that this was all you had to live off of for a week.

Now, don’t me wrong, everyone is entitled to their chocolate fix but when you are really stuck for money, does it make sense to spend on that?  But whatever that is what they had to live on and I wouldn’t want to go a week without chocolate either.  I know that I personally could spend the $27 a lot better (while realising food banks rely on donations and don’t have the luxury of choice – note to self to make more foodbank donations)

Before reading this article, however, I had posted on SmartCanucks to find out what people were living on per week.  The poll is obviously not a true cross section of Ontarians, some included food others didn’t etc.  At this time, 26% live on $25 or less per person.

poll-dtm

The thread is linked above if you would like to read the comments on how the members spend their money including a post from someone who spends less than $10 a week by buying carefully and participating in Mail in Offers/Rebates and using points from Shoppers Drug Mart and her President’s Choice Card for free groceries.

I Want Candy

I Want Candy (which my BF embarrassingly sang the whole way home)

The British shop there is having a huge sale, and it included my fave chocolate from back home, Galaxy Cookie Crumble, the family size bars, which he usually sells for $5, for $1.49.  I had to have them.

atp

8 x Galaxy Cookie Crumble @ $1.49 each = $11.92
8 x Dairy Milk Caramel @ 2/$0.99 = $3.96
1 x Ribena (oh childhood memories) $1.49
2 x boxes of Maltesers $0.99c = $1.98

Including tax it all came to $21.97 and will last us quite a while, except the Ribena which I will probably get excited about and drink all of it this weekend

Woo I opened photoshop LOL

As well as photography, I have neglected my photoshop skills lately, apart from an odd edit here and there and some simple banners, I don’t think I have really used photoshop since April when I did a project for work.

Last night, a thread on Smart Canucks was posted reminding people to post a link back to their site if you post your link on theirs (only fair).  I only have a text link so thought I would make a square button, but then another member asked if there were logos to use to link – so I made a few different sizes

Photobucket

Photobucket

and then, another member asked me to make her a signature using some images she chose

Photobucket

and some with lyrics on the pale bars at the top so she can switch around. Now I want to make more signatures!