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You are here: Home / Archives for Stretching Your Dollars

Choosing to By-Pass a Great Sale

April 30, 2011 by Tracy

Do you ever by-pass a great sale? I do. The best way for me to stretch our dollars is to NOT spend them. Do I love a great sale? Absolutely! When CVS had a great moneymaker on makeup, I chose not to shop.

Why? Here are my reasons:

1. Did not need any of the sale or “free” items that week.

2. Decided not to take time to scan the sales ads. The weather that week was beautiful. I spent lots of time outside at the playground and taking walks with my children. For me, this was time wisely spent.

3. My Extra Bucks did not expire during that week. I did not lose out by not shopping the sales.

4. Enjoyed taking a week off from matching up coupons and searching for items in stock.

5. Kept some extra money in the budget for when a great deal on diapers comes around.

Do you give yourself a week off? I’m thankful for all the sales I have been able to claim which has kept our cabinets stocked with personal items and cleaning supplies. When the week passes me by and I choose not to shop, I can relax and spend time with family without regret.

Filed Under: Stretching Your Dollars, Tips Tagged With: took week off, extra bucks, bypass sale

Fuelperks!: Lowering Gas Prices at the Pump – Part 1 of 2

May 7, 2011 by Tracy

As the gas prices continue to rise, I am seeking options to lower the price I pay at the pump. To help stretch our dollars, I use the fuelperks! program at Bi-Lo, a local grocery store chain located in the Southeastern United States. Bi-Lo has joined forces with the The Spinx Corporation, a chain of gas stations serving North and South Carolina.

Bi-Lo and Spinx Promotion

Here is how our program works:

When I make a purchase at Bi-Lo, I earn fuelperks! for each dollar spent. For example, I go shopping at Bi-Lo and scan my Bi-Lo BonusCard at checkout. I purchase $47.55 of product, use $21.26 in coupons, and pay $26.59 (including tax) out of pocket. I receive a printed receipt stating that I have earned $26.59 toward my next fuel purchase.

After I have purchased $50 in product at Bi-Lo, then I earn $.05 per gallon in fuelperks!. At my next shopping trip to Bi-Lo, I scan my Bi-Lo BonusCard, purchase $56.76 in product, use $32.36 in coupons, and pay $24.46 (including tax) out of pocket. My receipt will print showing I have earned $.05 per gallon in fuelperks!, and I have earned $1.05 toward my next fuel purchase.

I can also stack my fuelperks! earnings. Bi-Lo runs fuelperks! bonuses where you can purchase a set of items in one transaction and earn additional cents per gallon. One such bonus was purchase $20 in Huggies diapers and earn $.20 per gallon. I paired the Huggies diaper sale with coupons and the fuelperks! bonus to increase my fuelperks! earnings. I had enough coupons for 2 transactions, so I earned $.45 the morning I shopped. (I earned the $.40 for the Huggies transactions. I then earned an additional $.05 since my out of pocket spent reached $50.) Having already earned $.10 per gallon the previous weeks, I had a total earned of $.55 per gallon in fuelperks!

By earning $.05 off or $.55 off per gallon, I am able to go to a Spinx station, and purchase gas at a discount. As my gas gauge lowers toward empty, I choose a nearby Spinx station to purchase fuel. At the pump, I scan my Bi-Lo BonusCard.

TIP: I must use the credit card sized version rather than the keychain version. The keychain version will not fit in the outside card readers. I just carry the larger BonusCard in my wallet. If you don’t have the larger BonusCard, then you will need to pay the cashier in advance. You will want to pay more than you plan to pay to be sure you get the full discount. You don’t want to pay $50 and find that to fill your tank would cost $60. You will only get the discount on the gas pumped with your $50 payment. When you overpay, you can return to the cashier for a refund of your overpayment.)

Once the gas pump computer recognizes my BonusCard, the display indicates a discount. (Unfortunately, I have not used a Spinx that displays the amount off at the pump.) I then swipe my credit card and pump the gas. After replacing the nozzle, I check my printed receipt. I will then notice that instead of paying $3.70 per gallon, I paid $3.65 per gallon ($3.70 minus the $.05 Fuelperks! discount) or $3.15 per gallon ($3.70 minus the $.55 fuelperks! discount). The result of my $.55 per gallon discount was a savings of $11.

The fuelperks! expire. I will lose my fuelperks! discount if I have not used them within 3 months. After earning your $.05, then you have 3 months to use them. If you earn an additional $.15 in 3 weeks, then you have 3 months from then to use them. It is possible to lose $.05, but then be able to use the other $.15. Having the savings at hand, I assume you would be using them sooner rather than later.

Fuelperks! is limited to 20 gallons. When I use the fuelperks! at the Spinx station, the pump will cut off at 20 gallons. If you need more fuel, you will need to start another transaction.

Fuelperks! can only be used in one transaction. Once you swipe your card or have the cashier access your fuelperks!, then that discount is gone. You cannot use 15 gallons in one transaction and then use 5 in another. Once you access your fuelperks!, your amount earned returns to $0. To stretch my dollars, I wait to fill up when my tank is almost empty.

When the program first began, I did not receive any information about the program. I just noticed the savings at the bottom of my receipt. As cashiers would indicate my fuelperks! savings, I inquired about the program. From numerous conversations and using the program, I have perfected my system for maximizing my savings with the resources at hand. Next week, I will share how I have used this program and found additional ways to stretch my dollars.

Do you have a fuel program near you? If you do and you don’t use it, try it! A little savings here and little there adds up. I hope you can fuel your vehicle with a little savings to help stretch your hard earned dollars.

Filed Under: Gas Prices, Stretching Your Dollars Tagged With: savings, fuelperks, gas

Fuelperks!: Lowering Gas Prices at the Pump – Part 2 of 2

May 14, 2011 by Tracy


Bi-Lo and Spinx Gas Program

Last week, I shared the basics of the Bi-Lo/Spinx partnership program called fuelperks!. For each $50 purchased in products at Bi-Lo, I earn $.05 off per gallon. I can then purchase my fuel at Spinx to redeem that discount. The fuelperks! program is also available through Winn-Dixie, Martin’s, Copps, Pick ‘n Save, Giant Eagle and Rainbow.

To maximize my savings through the fuelperks! program, I give you these additional tips:

Purchase items in the fuelperks! bonuses. I can earn more fuelperks! by purchasing these items. I shared last week how I purchased the Huggies diapers and earned an additional $.40 in fuelperks!. I like to scan the fuelperks! bonuses, but I only purchase items that our family will use and that I can pair with coupons. For me, paying much more at the grocery store for a small savings at the pump is not worth it. Now if I can get the product at the same price I would normally pay and then get the bonus on top, then yes, I will pay at the grocery store for those items.

Not all Spinx stores are the same. I always use a credit card to pay for our fuel purchases. I do not like to carry cash, and I don’t want a hold placed on my debit card. Since my credit limits on my credit cards handle the holds on the accounts, I choose to use a credit card when purchasing gas. With that said, most of the Spinx stores charge an additional $.10 if you pay by credit card. If you purchase your fuel at one of these locations, then your savings decreases by $.10. Since I am visiting their location to use my fuelperks!, I am not going to fork over $.10 of my savings to their establishment to use my credit card. I have found that the Spinx/Sunoco stores do not charge extra for credit. Their gas prices are about $.02-$.04 more per gallon than the regular Spinx stores, but there is no surcharge for using a credit card. With this knowledge, I always choose a Spinx/Sunoco store when redeeming my fuelperks!.

Pump all 20 gallons. If your gas tank is smaller than 20 gallons, then get creative! When the low fuel indicator light comes on in my car, the tank will take 16 gallons of fuel. To take full advantage of the discount, I will pump my tank full and then pump the remaining 4 gallons into our portable gas container used for the lawnmower. Another option is for my husband to follow me to the gas station in his car. We could then fill up one car and use the remaining available gallons in the second car. By pumping all 20 gallons, we are assured of maximizing our savings.

Use before expiration date. If I have saved and earned these rewards, I do not want to lose them. I will build up my savings, and then head to the pump when my car is near empty. Since I can find gas less expensively at other stations, I only use Spinx to redeem my fuelperks!. To stretch my dollars, I will build up my fuelperks! savings, and then get a deep discount on one tank of gas. The rest of the time, I purchase fuel at another location that is usually $.05 to $.07 less expensive.

If you have a fuelperks! program or another similar program available in your area, I hope these tips and tricks that I have learned along the way can help you stretch your dollars as you fill your tank.

Filed Under: Gas Prices, Stretching Your Dollars Tagged With: savings, fuelperks, gas, Bi-Lo, Spinx

Gas: Murphy USA Coupon and gasbuddy.com

May 21, 2011 by Tracy

With the fluctuating prices of gas, most individuals are looking for ways to stretch their dollars at the pump. For the last two weeks, I have shared how I maximize the fuelperks! program to stretch our dollars: Part 1 and Part 2. Another option for saving on fuel is to find coupons. Though I have not found many coupons, there are some out there.

Jenny over at Southersavers.com posted how to get $2 off a $20 gas purchase at Murphy USA gas stations in her post Major Gas Discount from Murphy USA. To get this coupon you must register with Foursquare, a web site that allows you to ping back your location via a downloaded app on your phone. If you are comfortable signing up for this free web site to get the coupon, then go for it.

Since I don’t feel comfortable “checking-in” with my exact location and I want to stretch my dollars at the pump, I check www.gasbuddy.com. By searching by state and zip code, I can locate the best gas prices in my area. If you will be traveling this summer, this web site can help you stretch your dollars while you’re away from home.

Please leave a comment with other ways to save and stretch our dollars while filling up our fuel tanks.

Filed Under: Gas Prices, Stretching Your Dollars Tagged With: savings, gas

CVS: Prescription Gift Card Coupons

May 28, 2011 by Tracy

Photography Credit: CVS

At my son’s soccer games, my oldest daughter loves to go play with the other kids. She traipses through bushes, climbs over rocks, and slides down the hill. Having a great time comes with consequences. In this case, she acquired a nasty bug bite. Paul and I kept an eye on it. Two days later it was bright red, warm, and had blisters on top. When I took her to the pediatrician, our doctor put her on an antibiotic for the infection.

When I got the prescription, I checked to see if this was one of the free medications offered through Publix. It was not. The next option for savings was looking in my CVS envelope where I carry my coupons. In the envelope, I found a K-mart coupon for a $10 gift card when you fill a new or transferred prescription. This was very exciting. Here is why I get prescriptions filled at CVS:

  1. Our insurance carrier will process prescription claims according to our contract terms when I use a CVS pharmacy.
  2. CVS will honor competitor prescription coupons. Since K-mart is a local competitor, CVS will honor the K-mart coupon.
  3. When I use my Extra Care Card, I will earn an additional $1 Extra Buck for every two prescriptions purchased.
  4. When I use my CVS Green Bag Tag, I will earn $1 Extra Buck for every 4th visit. You can only use your Green Bag Tag once a day.
  5. I love to shop at CVS and will use the $10 gift card.
  6. CVS has a drive-thru. Yeah!

Since I pass about 3-4 CVS Pharmacies on the route to and from school, I dropped off the prescription through the drive-thru before afternoon pickup. On my way home, I drove through the drive-thru and handed the cashier my Extra Care Card, my reusable bag with Green Bag Tag attached, the K-mart coupon, and my flexible spending credit card. During my transaction, I purchased the antibiotic medicine for $9, got my fourth scan of my Green Bag Tag, and obtained a $10 CVS gift card. The results of this transaction were my daughter’s medicine, a $10 CVS gift card, $1 Extra Buck printed on the bottom of my receipt for using a reusable bag, and 1 credit toward earning $1 in Extra Bucks for every 2 prescriptions you have filled.

If I purchase another prescription before the quarter ends, then I will earn $1 in Extra Bucks. Those Extra Bucks will not print at the bottom of my receipt the day I fill the second prescription. I will get that $1 Extra Buck at the end of the quarter. Once every 3 months my Extra Bucks will print at the Coupon Center (big red machine at the front of the CVS store) or at the end of my receipt. Included with my “$1 for every prescription filled” bonus, I also earn 2% on most of the items purchased with my Extra Care Card in those 3 months.

Though I did not plan to visit the doctor’s office, I was prepared and used the resources at hand to stretch my dollars. All in all, I spent $9 pre-taxed and received $1 in Extra Bucks, a $10 CVS gift card, and 1 prescription credit. Not too shabby for an unexpected expense. Please leave a comment sharing ways you save money when filling a prescription.

Filed Under: CVS, Drugstores, Stretching Your Dollars Tagged With: CVS, prescription

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