Boot Camp

Upromise College Savings & Reward Cards

by Karen on July 14, 2011

Upromise.com Save for College

Upromise is a great way to save for your child’s College Education.  You can link Store reward cards to your Upromise account and earn a % back on what you spend. If you do not have a Upromise account yet, click here to sign up.  It’s Free and you can start earning money for college today.  You DO NOT need to have the Upromise Credit Card to have an account.

Once you’ve created your account, go to the profile page to add your grocery reward cards.

Then you can enter the reward cards to your account.

This is an example of a Upromise eCoupon.  They offer several every month and all you have to do is active them with a simple click of your mouse.  Then, if you purchase these baby wipes and your reward card (that is attached to your Upromise account) is scanned at check out, then you’ll get this $1.00 credited to your Upromise account.  Now you’re $1.00 closer to paying for your child’s college! :)  You can add more than one type of card.  My mother in law has a Publix reward card and we’ve added it to our account, so we can earn rewards from her card.  Get the whole family involved!

When our first child was born almost 9 years ago, we made the decision to get the Upromise Credit Card.  There are many credit cards out there where you can earn special rewards or points but we decided this was the best option for us.  We earn 1% on EVERY purchase.  So even if we have the cash for an item, we put it on the Credit Card, earn 1% then send the credit card company the payment.  This is our account total as of 7/7/11:

It may not sound like a lot over the course of 10 years, but it’s better than nothing and we didn’t have to work too hard to get it.

We’ve opened a Vanguard 529 college savings account in both of our kids names, and linked it to our Upromise account.  Every quarter, the money we’ve earned is split 50/50 between them and it’s transfered to their 529 accounts.  Now that money is earning interest.

There are many other ways to earn money through Upromise, including shopping online through their website and eating at restaurants in the dining program.  Please let me know if you have any questions.  Do you use Upromise?  What tips do you have.

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Getting Started Saving The Family Money

by Karen on April 12, 2010

Are you a new reader to Saving The Family Money.com?  If so, you may want to start reading the Boot Camp Series we did at the beginning of the year.  It’s an excellent way to get started and there is some Juicy info!

Boot Camp Introduction

Creating a Budget – Episode #1

After Holiday Sale Shopping – Episode #2

Getting Organized to Save Money – Episode #3

Savings Worksheet – Episode #4

Get a Spare Email Address – Episode #5

How to Obtain Coupons – Episode #6

Rebate Survival – Episode #7

Grocery Reward Cards & Upromise – Episode #8

Grocery Coupon Match Up – Masterlist - Episode #9

Stockpiling – Episode #10

Store Coupon Policies - Episode #11

Walgreens 411 – Episode #12

CVS 411 – Episode #13

Publix 411 – Episode #14

How To Save Your Family Money

Tips for printing internet coupons

Is there a topic that you’d like to see, that we didn’t discuss?  Leave me a comment and I’ll do my best to Get Er Done! (Yes I used a quote from Mater in Cars!)

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CVS 411 – Boot Camp Episode #13

by Karen on February 3, 2010

I love shopping at CVS because I can often get free or really cheap stuff.  Toothpaste, shampoo and razors are all items I’ve gotten for free.  I never would have believed this before I learned how to shop the CVS deals. Here are some tips to get you started.

  • If you don’t have a CVS card, get one immediately and make sure your email address is registered with it.  They often email valuable coupons like $5 off a $30 purchase. I find it’s easier to get your email attached to your card if you request a card online.  I have a card and my husband has one (although it’s in my wallet :) )  If you need a card ASAP, you can get them in the store.
  • Understand ECB’s (Extra Care Bucks) – These are rewards that print at the register after your receipt, for certain purchases.  They are like cash (some exclusions apply) and can be used to pay for future purchases at CVS.  They do have expiration dates but you usually have 4 weeks to redeem.  Notice the below item is advertised at $2.99 with your CVS card and you will get $2.00 back in ECB’s.  If you use a $1.00 off coupon when you make your purchase, you’ll pay $1.99 OOP but get back $2.00 in ECB’s.  It’s like getting it for free.  Try to roll over your ECB’s.  Meaning if you get $5 in ECB’s this week, use it on another purchase where you will get more ECB’s.  You will have to invest money in the beginning to acquire the ECB’s but if you roll them over it will benefit you in the end.

  • When the weekly flyer says “Spend $25 on the products shown, get $10 back in ECB’s”.  This means you have to spend $25 worth of the products listed BEFORE coupons are applied. Use coupons on these products and you can get a great deal!
  • Scan your card at the CVS kiosk (price scanner) as soon as you walk in.  Valuable coupons may print that you can use on your purchase.

  • CVS accepts 1 MFR and 1 CVS store coupon per item.  You can also use a competitor coupon for pharmacy purchases
  • Each time you use your ExtraCare card, 2% of your total out-of-pocket expenses is credited to your ExtraCare account. You also earn 1 Extra Buck (ECB) for every 2 prescriptions purchased. This “money” is printed at the end of your receipt once every quarter.
  • CVS will issue rainchecks for items they are out of.  If it is an ECB item, make sure to ask the cashier to write down the ECB code so it’s easier when you come back to redeem it.
  • There are 4 main ways to get CVS coupons:

 

 

 

  1. Email - As mentioned above, make sure your email address is linked with your CVS Card.
  2. CVS Kiosk or price scanner – Scan your card each visit to see if any coupons print.
  3. CVS Reinventing Beauty Magazine – This is a CVS magazine and can usually be found in the magazine racks or near the cash registers. It costs $.99 and contains multiple CVS and manufacturer coupons inside.
  4. Clip-Free Monthly Coupon Booklet – These booklets are usually found near the weekly fliers in-store and sometimes spread around endcaps.  You do not need to actually cut them out, just use your CVS card at checkout to receive the discounts.

 

  • You can now purchase CVS tag for your reusable bags ($.99).  Each time you make a purchase and use your bag have the card scanned along with your CVS card.  After 4 scans, you’ll earn $1.00 in ECB’s!
  • It’s better to use your coupons in this order: CVS $ off $ Coupons, MFG coupons, ECB’s.
  • You can split up transactions to be able to roll over your ECB’s and have less OOP.  For instance you can make a purchase and get back ECB’s, then do another transaction for your other products and use the ECB’s in the first transaction to pay for it.  Here is one of my previous CVS trips that may help you understand.

All of this can be quite confusing in the beginning but you’ll get the hang of it.  If you have any questions, please don’t hesitate to ask.  Happy Savings! :)

Be sure to check out the rest The Boot Camp Series for more tips on Saving the family money.

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Walgreens 411 – Boot Camp Episode #12

When I first started deal shopping, I heard you could get some cheap and even free stuff from shopping the drug stores. Previously the only time I shopped there was when I needed medicine or a lipstick. I always felt they were overpriced. I have since learned how to maximize my savings and work the [...]

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Store Coupon Policies – Boot Camp Episode #11

These coupon policies will be kept on the FAQ page. There are several stores that have official coupon policies and I have linked to these.  I suggest printing them and keeping it in your coupon binder.  Sometimes we are more knowledgeable about coupon polices than cashiers are. It’s helpful to have it with you if [...]

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Stockpiling – Boot Camp Episode #10

Stockpiling is a great way to save on groceries and toiletries your family uses consistently. The idea behind this is to buy enough of an item, while it’s on sale, to get your family through until that item goes on sale again. This way you are not running out to the store and paying full [...]

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Grocery Coupon Match up – Masterlist – Boot Camp Episode #9

If you are trying to decide where to shop to get the best deal,  I recommend creating a price comparrison sheet.  When I first started coupon shopping I made a list of items we use on a regular basis and then I wrote the prices down from all the the major stores near me.  I [...]

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Grocery Reward Cards & Upromise – Boot Camp Episode #8

Many grocery stores and pharmacies have reward cards. There are benefits to signing up and getting one. If you shop at a store that accepts competitor coupons, then you can maximize your savings by getting coupons from other stores.  For example, I have a Food Lion reward card that is linked to my email, and [...]

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Rebate Survival – Boot Camp Episode #7

Tips: Do the rebate the same day. This also ensures that you mail it within the time frame specified and don’t forget to do it altogether. I’ve stuck with this and it’s worked for me. The only exception, is when we bought our TV, and my husband wanted to make sure we didn’t have any [...]

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How to obtain coupons – Boot Camp Episode #6

Many people have asked me how I get all my coupons, so I thought I’d share a few tips from around the “coupon” world. Get a Sunday newspaper. I waited for a good deal from my local paper and then jumped on it. I get 2 Sunday papers and if it’s a good coupon week [...]

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Get a spare email address – Boot Camp Episode #5

As with anything you do on the internet, you want to be cautious with what personal information you give out. There are many legitimate offers on the web, but sometimes you will get spam email when signing up for them. I sign up for free items, coupons, contests, company reward programs, newsletters and so much [...]

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