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.

Shopping for Bonus Points at Shoppers Drug Mart

Shoppers Drug Mart Shopping

Shoppers Drug Mart Shopping

Shoppers Drug Mart have a promo where you get 18,500 points if you spend $75 or more.  On a bonus weekend (like this weekend coming) those points are worth $38 if you redeem at the highest level so well worth shopping.

  • Multibionta (to give to people from for my  bzzcampaign) $20.99 – $15 x 2
  • L’oreal Hair Treatments $6.99 – $2 x 3 (plus 5000 points)
  • Advil Night Time 10s $3.99 – $4  x 4 (plus 1000 points on each)
  • Shopping cart for my neighbour on sale for $25 which she paid for
  • Crest Pro Health x 2 paid for with try me free coupons from dentist (2000 bonus points)

Total $110.89 + $14.42 tax = $125.31 – $59.95 coupons (inc tax on toothpaste) = $65.36 – $30 from my neighbour for the shopping cart = $35.36 out of pocket

Points:

  • Gift card 500
  • Base points $1,030
  • Product Bonuses 11,000
  • Shopping Bonus 18,500
  • Total 31,030 (worth $62 next weekend at highest redemption level)

MultiBionta BzzKit Arrived

Multibionta BzzKit from BzzAgent.com

Multibionta BzzKit from BzzAgent.com

Well, it arrived last week and I have been lazy in updating (and it took me a few days to go and get it from the post office because my mailman is lazy and left a note saying I wasn’t here when I was ~shakes fist at Canada Post~).  This is an amazing package from Multibionta & BzzAgent worth $330 with the coupons!

1x 30 caplet Multibionta Adult

1x 30 caplet Multibionta Senior

10 x coupons for free Multibionta Adult or Senior (30 caps)

10 x coupons for $15 off Multibionta Adult or Senior (60 caps) – reg price $22.49-$25.99

There is also a $10 off coupon for the 30 caplet bottles in April’s Chatelaine magazine

Start Couponing Now – Food Prices to Rise next Month

Food Prices

Hamilton Spectator - Food Prices Rise in April (click to read article)

There couldn’t be a better time to start couponing as we face an average of 5-7% jump in food prices next month.  Sure, some people can afford this rise in pricing but for many, it means eating less, going without elsewhere or more debt just to eat.  It is not just hitting us with rising prices, Wendy’s announced a while back that tomatoes will only be put on burgers when requested, rather than it being the norm.  We will see food prices rise and get smaller quantities for those increased prices.

Meats, breads, pastas and vegetables will all see price hikes over the coming weeks and months – staple ingredients in pretty much everything we eat, its hard to think of items that will not be impacted by the rising cost of ingredients.

A CBC website poll show that over 69% of people said they would go without certain items with these price increases. If Canada is ‘protected’ from rising food costs as the article claims, I would hate to live somewhere that doesn’t have those same protections in place.

I save an average of $250 a month in coupons and rebates/discounts – while 5-7% of that will be eaten up by this increase, I will still have decent savings and some wiggle room in the grocery budget, will you?

Living on cash vs cards

canmoneyWe have been trying to live on cash as much as possible to limit overspending and watch where we actually spend our money and this weekend was a good example of why we should carry on doing so.  We made some purchases that we did think about before making them, yesterday at the mall, he bought a nice pair of jeans for $30 which were not budgetted for but a great fit and a Bed in a Bag set for $50 on clearance (reg $179.99, on sale for $110 and clearanced as someone stole the little bolster pillow).  However, checking the bank account this morning, there were other misc purchases I had completely forgot we made over the last few days, $16 at Home Hardware (no idea what he bought), $17 at a convenience store (again, not me, I assume drinks and stuff when he was working and didn’t bring lunch).

I find we overspend on our personal spending budget by about 20% when we use cards rather than cash

February Savings in Review

February update: I did stock up on some items this month but mostly it was just savings on groceries.

Purchases:

  • Regular Prices: $1,174.54
  • Shelf Prices: $636.24
  • Coupons $220.29
  • Discounts/Gift Cards $82.35
  • Spent $333.60

Money ‘Made’

  • Swagbucks $25 Amazon
  • Surveys $15 ( $5 Amazon and $10 Paypal)
  • Rebates $105.29
  • 3 free coffees & 2 donuts from Tim Hortons (he really needs to stop buying coffee every day)

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

New Coupon Organiser

Mega Large Coupon Organiser

Mega Large Coupon Organiser

In December I switched to a binder system for my coupons, but recently I have found it was getting very heavy and difficult to carry around.  Another SmartCanucker had bought a coupon organiser from glowgirl16 on Etsy and I was wary of it as they looked tiny and I have my huge binder.  Recently, we met in person and looking at all her coupons in it, I realised that it would hold all of mine too.   I used my paypal payment from Great Canadian Rebates so it was free and I choose a mega large and a regular one so I could keep some of my favourite coupons on me without dragging my whole organiser around.

The Mega one holds 1000 coupons and all of the coupons from my binder fit in it without a problem, it has a 15 inch handle to carry it and attaches (opened) to the shopping cart so you can just pull coupons from it as you shop.  It is 4 inches deep across the bottom, 6 inches high and 8 inches wide so I have not had to fold any coupons to fit in it which is great.

Regular Size

Regular Size

The smaller one I bought to keep with me at all times is much bigger than I expected, I thought of it more like a purse but it is 2 inches deep and has 20 dividers so its quite substantial.  I don’t have anywhere near the 400-500 coupons it holds in it so it is not too heavy to keep with me.  Like the mega one, it folds over the shopping cart so you can easily pull coupons out as you shop.

For those with even more coupons than me, she has even bigger sizes with one that is 6 inches deep and a massive double-wide one that is two of the 6 inch ones so you can take every single coupon in existence with you shopping and never miss out on a deal.

How do you carry your coupons?

A great swagday!

Today was Swagbuck’s birthday and they released many codes and new features.

First was the new blog and the in-page toolbar (not to be confused with the regular toolbar).  You can check out the new blog and toolbar from the blog page, here.  I find the toolbar slows down the page a little but the blog layout is a bit better, as all but the first post are autoshortened so you do not have to scroll past the whole posts to get to older ones.

The other new feature is Facebook Trivia.  You can read about this here.  You can choose whether to win swagbucks or tokens for a spin on the wheels to win more swagbucks.

The Swag Guy and Gal also released many codes today, including a mega 50SB code.

The codes were:

  • 7SBs on the swidget
  • 11SBs on blog
  • 24SBs on SBTV (some users received less as it was time sensitive, the code went down by 3SBs every few minutes)
  • 14SBs on the new chat toolbar
  • 18SBs on the homepage
  • 50SBs for solving the cryptogram, and finding an item using it in the swagstore

Added with my three search wins and referral bucks and a 15SB special offer for liking McAfee on Facebook and today was an amazing swagday.

Happy Birthday Swagbucks!

Terrible customer service at Shoppers Drug Mart

Shoppers Drug Mart have a great promo on today, if you spend $50 you get the choice of 10x points or a $20 gift certificate.  Their gift certificates are usually very short on the expiry date as they are not an actual gift card so of course I wanted the points (plus you get points for spending $50 before coupons, the GC is up to the cashier so they need to see the $50 to give it to you).

I had all my coupons ready, knew what I was buying, they had put a limit on one of the items so the revised list would come to $60ish before taxes and I would leave with 12,000 points and use $35 in coupons.  I have done this many times, I KNOW the register gives the 20x points even when you use regular coupons which are legally treated as cash.

The cashier argued with me saying I was better off not using coupons and getting the gift card.  Well what if I was not there for 20x points, what if it was just stuff I needed and that was all the money I had to pay with?  Why would I pay more now to get $20 off useless crap next week?  She argued this with me several times, it was embarrassing!  Then she did not scan my card when given it, she just gave it back to me at the end of the transaction.  Good thing I checked my receipt before leaving.  So I said this to her and she says that the points will all be taken off later anyway and she wants to cash through the other customers first so I refused to move until she did it.

I got my points but SDM Head Office and I are having a nice chat on Monday when the supervisor is back in