I am wondering your thoughts on a couple of things r/t this...
1. I have really been trying to mazimize coupon usage as well as stock-piling when groceries are on sale to save wherever we can. I have been doing a lot of shopping at CVS where they issue Extra Care Bucks (ECBs) which are like rebate dollars you can apply to future purchases. I have really been making out well with these.
In these cases, am I correct in basing my grocery, personal care, health & beauty items at the costs before coupons and the ECBs are applied as there is no way to know if there will be a coupons available again when the item needs to be replenished? My receipts show the real cost and then at the end the deductions would show. I just don't want to be in trouble if someone asks for my receipts and it shows that I actually paid less than what I listed as the costs.
2. Sometimes I do cash back at the grocery store so that I have spending money for small items (dh's paycheck is direct deposit). These transaction show on my bank statement as a purchase with cash back (ex. Pur w/cash bk FoodLion). We usually only take about $20-40 at a time this way. Will this raise a lot of suspicion and I will have to show all the receipts? I am trying to save them all but I may be missing a few.
Thanks for any thoughts you can share!
reallynervous
1. I have really been trying to mazimize coupon usage as well as stock-piling when groceries are on sale to save wherever we can. I have been doing a lot of shopping at CVS where they issue Extra Care Bucks (ECBs) which are like rebate dollars you can apply to future purchases. I have really been making out well with these.
In these cases, am I correct in basing my grocery, personal care, health & beauty items at the costs before coupons and the ECBs are applied as there is no way to know if there will be a coupons available again when the item needs to be replenished? My receipts show the real cost and then at the end the deductions would show. I just don't want to be in trouble if someone asks for my receipts and it shows that I actually paid less than what I listed as the costs.
2. Sometimes I do cash back at the grocery store so that I have spending money for small items (dh's paycheck is direct deposit). These transaction show on my bank statement as a purchase with cash back (ex. Pur w/cash bk FoodLion). We usually only take about $20-40 at a time this way. Will this raise a lot of suspicion and I will have to show all the receipts? I am trying to save them all but I may be missing a few.
Thanks for any thoughts you can share!
reallynervous
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