$ Layering Tips for Bed Bath & Beyond and Macy’s

Two quick scenarios from today’s adverts & sales & rewards programs:

Bed Bath & Beyond:

Sign in through MyPoints you will get 4 points per dollar.

Use BB&B 20% Off Entire Purchase coupon code

The IBOTTA browser extension with pop up and ask you to activate 2% cash back.

If you have a gmail account and use it for your purchasing email address, Fetch will automatically credit you points for any e-receipts to your gmail address.

Summary for this scenario: $100 item

My Points: 400 points

BB&B: $20.00 off

IBOTTA extension: $1.60 cash back ($80.00 x 2%)

Fetch: I don’t have gmail, so I cannot for sure give you a points figure. But, snapping photos of paper receipts this year has averaged me 270 points/receipt.  

Macy’s

Signing in through MyPoints will earn you up to 15 points/dollar.

When I Iogged in this morning, IBBOTA extension was showing 8% cash back.

If you’re a Macy’s card holder, you should have received mail or email with coupons/codes. 😉

Click the Blue Links below to get started.

Ibotta My Ibotta Referral Code: vuodlbm

Fetch My Fetch Referral Code: A8JUX

MyPoints: if you are interested in adding MyPoints to your layered savings, please private message me your email address so I may send you an invitation. You can go and sign upon your own, but it’d be nice if you give me a chance to send you the invite. 🙂

Yes, I will earn points or cash back boosts from the above links. But, once you sign up, you can, too!

Important – I will never, ever sell or give your email address away or divulge any other personal information, to any other person, company or space alien. Promise.

Other ways to get cash back or rewards:

Take advantage of your credit cards with the best rewards. Do your research before shopping!

Discover 5% at Amazon, Best Buy & Target.

Amex is offering cash back at various retailers and has a Small Business Saturday encouragement campaign. At one time, they were offering various amount of cash back on purchases at qualifying small businesses in your area.

Savings $ Layering

I had this whole thing conceptualized as a three-part learning series, which it will be, still.

However, on the front side of holiday shopping, I wanted to share how I layer savings and earn cash back and gift cards and shopper rewards, too.

So, not my best example, but my most recent. Here’s how the FoodSaver purchase worked out for me at Kohl’s:

I started by going to MyPoints and entering Kohl’s from there. 6 points per dollar was the rate on 11/23. It can rise or lower. So, before you shop at any store, open your MyPoints account.

Original price $349.99

Sale price $329.99

Kohl’s 15% Off Coupon – $49.50 (I didn’t get the 30% 😦 )

Shipping Free

Kohl’s cash earned $75.00 (think funds for holiday gifts)

Kohl’s rewards earned $14.02 (think funds for holiday gifts)

Ibotta Browser Extension 0.5% Cash Back $1.49 (think thirst quencher while you’re shopping) and remember – I earned $193.00 cash back from Ibotta last year! It all adds up. Truly.

MyPoints 1782 point (Redeemable for Gift Cards)

Fetch – Unfortunately, only works with online purchases associated with GMail accounts, SO FAR. They’re working on it!

Click the Blue Links below to get started.

Ibotta My Ibotta Referral Code: vuodlbm

Fetch My Fetch Referral Code: A8JUX

MyPoints: if you are interested in adding MyPoints to your layered savings, please private message me your email address so I may send you an invitation. You can go and sign upon your own, but it’d be nice if you give me a chance to send you the invite. 🙂

Yes, I will earn points or cash back boosts from the above links. But, once you sign up, you can, too!

Extra tips:

Create a Junk Email Address. You’ll use this for all of the stores, restaurants, point and cash back programs so they don’t clutter up your real inbox!

When you sign up for any cashback or points program there is usually a bonus. Always check your email and the website for extra deals.

Right now Ibotta is offering 2.5% cash back on Society6 purchases.

I always order samples from each site I list my art on as a quality check. Not only am I super pleased with the pleated, 2-layer, filter-insert features of Society6 masks, I am also super pleased that the Ibotta Browser popped up and offered 2.5% Cash Back ON TOP OF THE SALE PRICE – up to 50% off on a lot of items. Redbubble also offers Ibotta cash back.

Important – I will never, ever sell or give your email address away or divulge any other personal information. to any other person, company or space alien. Promise.

Artwork available on masks, pillows, clocks, tables, leggings, travel mugs, and just about any great gift you can think of!

Knabbler Shop @ Society6

Knabbler Shop @ RedBubble

btw – Chewy offers discounts for joining their auto-ship plan. Scheduling is your choice. Auto ships may be canceled at any time, so try it out.

No Substitution

Ok. Getting back on track, there is no such thing as presto-chango. There is habit breaking, weaning, paring, elimination and hopeful non-replacement. Budget, body, mind; substitutions are as plentiful as the problems we leave behind.

I have completely convinced my minimalism-desiring self I do not need anything. Except for new tires, or a rim, or not; still working on that. Four different businesses; four different diagnosis. As soon as I find one untried business that comes up with a plausible reason that corresponds to any one of the others, I may be able to do something about the perpetual low-air tire light.

In the meantime, as empowering as it is to say “no” to instant material gratification, I have moved directly into substitution. The new move isn’t a positive one, either. In fact, it may be more detrimental. I have deeper, longer arguments with myself over my replacement gratifier: deals.  The struggle is more constant than ever. Most email and post advertisements are easily disqualified, deleted. The ones that tempt are the “deals” sponsored through sites offering deep discounts. Advance commitment is the new barbed selling lure.

For example, there’s a new frozen yogurt spot that popped up near my regular market, that hasn’t actually been my regular market for very long. The new grocer won out over my previous market mostly by convenience. Closure of the store nearest me, numerous construction projects on the way to the other two sort-of-close-by, much better produce offerings and a cash-for-schools incentive that donates 10% of my purchase total to a program that will assist a friend’s child in taking a school-sponsored marching band trip abroad this coming winter, also played into the decision.

Ok, Getting back on track, I’ve been successfully avoiding that yogurt establishment, so far, using the carrot method. I drive by to pick up fruit and yogurt and mile and promise myself when I hit my next goal, 4.6 pounds away, I will indulge. I’m pretty sure I won’t succumb even then, because that would be monstrously counterproductive.

Then along comes an offer: $6.00 will get me $10.00 in frozen yogurt. I don’t need $10.00 in frozen yogurt. I also don’t really need $6.00 in frozen yogurt. However, if my finally-made-it-to-my-next-goal treat is going to cost approximately $4.00 anyway, it makes economical sense to go for the coupon commitment. The coupon will likely require an accomplice; preferably one who advance commit and will split the difference.

It’s ok to snicker at that idea. I know it’s ridiculous. The chances of me waiting to reach my next goal, which could be a month or more, are pretty slim. Which is what I am still trying to be: slim. So, I throw up my hands, close  my browser and decide I’ll decide tomorrow.

Hopefully, the almost irresistible offer will have expired. I’ll be disappointed, but fiscally and healthily responsible.

There’s no substitution for that.

Quote for the Week:

substitutions are as plentiful as problems

Enjoy this Week’s Discovery Links:

Retrain Your Brain: http://www.forbes.com/sites/carriekerpen/2014/05/13/seven-ways-to-retrain-your-brain-for-a-happier-existence/

Retrain Your Brain: http://www.mindbodygreen.com/0-8647/5-ways-to-retrain-your-brain-into-a-positive-powerhouse.html

Retrain Your Brain: http://www.cnn.com/2011/HEALTH/08/04/ep.brain.crave.cohen/