If you’ve been following me long enough, then you know I’m team #LowOOP. You will very rarely see me spend a ton of cash, to get back store money. True game is gaining store money in money maker transactions and then recycling the stores money to make more store money. And if those type of deals are not available, then I’ll always choose to spend the store money I have available and keep my cash in my purse. I can’t pay my light bill with $30 in ExtraCare Bucks. So as far as I’m concerned, CVS can’t have $30 cash from me 🤷🏾‍♀️. & I promise that this is no shade to anyone who chooses to shop this way. Do you. But I just don’t want new couponers to think that these types of deals are “FREE” cause that’s how you wind up broke doing this 💸. When the true goal should be to couponing as a tool to keep your coins 💰 ~ couponwithstar

I don’t like high out of pocket deals because it ties up my money that I could be using to pay bills.  Even when I posted recently about the Hormel lunchmeat deal, the out of pocket was nearly $15 but I posted because #1 you can eat and consume the product and #2 you was getting like 99% of your money back.

Any drugstores deals that I post are mostly $5 or less out of pocket because you cannot pay your car insurance with Extra Bucks, Bonus Cash, Balance Rewards or Register Rewards.

However, when we was doing those $30 Money Maker Armor All Complete Car Care Gift Packs deals at Walmart in 2018, the out of pocket was $30 and we was getting back $60.  When it’s a big Money Maker, you go all in and secure the bag.💰 I was getting those Visa eGift cards and paying the cable bills and Verizon cellphone bills.

Yesterday, I actually rolled a $10 Register Rewards from doing the Revlon deal into the Viva Paper Towels & Cottonelle Bath Tissues for $1 each so as to reduce my actual out of pocket.

Always remember that Cash is King. Keep your cash and use whatever store rewards or gift cards or coupons or whatever to lower your actual out pocket!

{ 5 comments }

  • Meryl January 30, 2020, 12:15

    I used to do a lot of these deals at sears and kmart because I have family who live out of state and their free ship threshold was reasonable. I would purchase something and ship free to them then use the points in store for me. This worked out well for our family. I found products I really liked at sears and kmart especially on their marketplace. I bought a beautiful rug $75 with $75 back in points then bought my daughter boots and jackets for college in the snow!

    • Ms. B. January 30, 2020, 13:12

      I got a nice rug from Kmart and lots of kitchen items, too. In fact, last month, I found a portable phone charger and I couldn’t figure out where I got it and I now realize it was from Kmart! 🙂

  • Nick January 30, 2020, 13:30

    There needs to be some planning about how to eventually get your out of pocket back. It is NOT at all OK to be in the position of having $10 in expiring ExtraCare or Register Rewards and then finding yourself buying items you don’t need (and possibly at a price that you would never find acceptable). There are certain “standby items” like paper towels or bathroom tissue that you’ll always need. Don’t squander the rewards YOU earned on stuff you’d never buy anyway. Because, as Ms. B already told you, you’ve already paid for it!

  • tammy January 30, 2020, 20:41

    MM dulcolax 25ct at Target.
    Cost at my Target was $5.99. I price matched with the Customer Service desk for the online price of $4.99. Used $3IP and got back $3IB.

    • Ms. B. January 31, 2020, 08:43

      They must have pulled the Dulcolax offer. 🙁