A typical shopping trip

Very quickly, here's the normal shopping trip do's I do!

1. Peruse the flyers. I like paper flyers for the initial deal search, but for ease of price matching, I view and clip the good offers to the Flipp app. All the stores I've been in so far accept the app flyers for price matching. 

2. I will start a list on a piece of paper of the items I want to buy, with additional columns for: "coupon", "price match" and "app rebate". I'll make my shopping list on the one side and then fill in the columns on the other side as I go through the next steps. 

(I had two (3!) totally free items on this list with coupons :) )

3. I'll cross check great deals with my coupon binder. In a few cases I'll have a coupon for the item already on my shopping list and can get a double deal. I'll also add items to the list and do the Flipp "flyer search" for buy one get one coupons or high value coupons ($3 off coupon and maybe the product is on a great sale that makes it $3). 

4. Go through my 6 rebate apps and see what items are offered there that I should jump on. Again, write down any items on my shopping list that catch my eye (like milk). 

5. Again check and see if there's a coupon for any of the app rebate offers. I love when the stars align and I'll have stuff written in every one of the columns for a triple deal!

To be honest, I usually spend about half an hour doing all the above. I try to keep my shopping list rather small, but over $60 worth (you'll see why later). 

6. Shop! With my phone and clipped Flipp offers and my coupon book and my  paper shopping list, I say yes to a shopping cart! I try to shop on Sunday morning, when the Sunday drivers are in church and everyone else is recovering from Saturday night. The lines are short before 11am and the cashiers don't give a whole lot of trouble to you with coupons if there's no one in line behind you. 

This usually takes me 30-45 min to do everything. I'll shop the aisles too looking for clearance items or other sales I might not have seen. I'll take coupons out of the book to use and put them all together in one slot on the first page. Makes the end checking out easier. 

7. Pay. Laying items out on the conveyer is the most stressful moment. I'll usually group things by the column(s) I have on my sheet. Items at full price or only on the app go first, which allows me to tell the cashier that I have price matching and coupons in this purchase. Then, usually just coupons next, item with the coupon on top. Then, price matching items/and coupons. These are showing an item, showing the item on the Flipp flyer, then handing the coupon. While they're reading the coupon, I can have the next Flipp flyer item pulled up on my phone. 

8. Double check receipt. Yep, I'm one of those people who will stand at the end of the cash out aisle looking at the receipt. Doesn't take me long to make sure that all of the full price items came up correctly and that the number of coupons I have on my list equals the number of -$.00 items on my receipt. I put the receipt somewhere easy and home I go!

9. Once home and unloaded into my kitchen, out comes the Neilsen home scanner. Enter the details of who and where, then start scanning items and entering any sale prices. I keep the receipt out to remember everything as I go item per item, and as I put away each product. This takes me 10-15 min to get everything scanned and away. Finish off by putting in the total paid, and then I usually press send on the Neilsen scanner to transmit the data. 

10. The table is cleared of product and only the receipt is left. I'll sit down then and do the rebate apps. If your receipt is over $60, then you can enter the Checkout 51 contest they have every week, and then sometimes a couple apps will give you .25 for receipts over $50 too. I'll scan the receipt for each app, select the items, and I'll usually keep track on the back of my receipt of what I've claimed (.25 milk, .50 bread, etc). Apps usually take a couple days to process and approve your claims, so just scribbling them on the back of my receipt helps me remember what I'm still waiting on (and makes me feel proud that the $60 receipt is actually $59.50 haha). This doesn't take me long at all usually, and every nickle helps. 

I'd say a shopping trip like this is 2 hours, which isn't for me a big deal, especially compared to people who take those two hours just wandering the store for product, who don't price match or coupon. :)

Step 2, App's that give cash-back

So your binder is organized and you are ready to go.. But first, lemme take a detour..

On my iphone I have 6 money saving apps that are easy and actually work. I've tried to think about how these apps actually make any money on their end, but the opportunity here for everyday people like us to save a couple bucks a trip is offered, and you bet I'm taking it!

The idea behind these apps is to influence your purchases to try a certain brand or item. You go shopping, come home, open the app, and submit photos of your receipt to redeem offers like "Get .25 when you buy milk" or "Get 1.00 when you buy any 2 Febreeze scented sprays". Click on the things you bought in that trip, hit send, and wait for the approvals. All of these apps will send you a cheque when you reach a certain amount in your account, and I recently received my first $20 cheque from one of these apps. Easy, quick, and another few cents saved. 

Oh, and the apps will give you the credit no matter what you paid for the item. As long as the item is easily identified on your receipt, you will get the credit. This means you could use a coupon on the item in store, then come home and redeem it on the app (maybe making the item free). 

What I use, in order of preference :

Checkout 51 - good combination of generic items (buy any milk, bread, apples) with brand names we actually want to buy from. Large selection, and this changes every single week. They've also started bonus offers recently, where buy a couple of specially flagged items and get bonus credit back. This is who I got my first cheque from.

Zweet - again, lots of generic items and brand items. Weekly turnover of offers. Difference here is you also get Zweet points for purchases too, which after 650 points you can redeem as charity donations, gift cards and such. 

Snap (by Groupon) - same as the two above, except I find their deals run out quickly. Any generic deal is gone the same day, and what is left is sometimes not a favourite brand. You can also only redeem some offers once (like milk), like, ever, but they usually have high value credit backs for the items that are there. 

Save.ca - this app isn't the best to be honest, but every once in a while they get a couple good items on it. I believe they say their offers change weekly, but you can probably check it once a month as 75% of the deals stay the same. For sure, the website version of the this site is better for printing coupons!

CartSmart - same as save.ca. Okay for some offers, not so great for most.

Changio - this is an interesting app that does points instead of money, but for everywhere including groceries, fast food, department stores and restaurants. It also has a "scan" feature that awards points without having to buy the item (like scan this product's barcode in the store and get 5 points). I've just found this app and it will take me a long while to get up to the redemption point, but you need 2000 points to basically redeem anything. It's a great app if you are going to that place anyways (restaurants and fast food are my major go-to's), but I wouldn't structure my buying plan based on it. 

So those are the "redeeming" apps I've been using. On top of those cash-back apps, I also have a couple other apps that are geat:

Flipp - so my half hour of research a week is basically on this app. There is an awesome "search" function that will search for a keyword amongst all active flyers in your area. So you need a bathroom cleaner this week, and you have a coupon for Lysol?.. Plug "Lysol" into the search area and it'll show you results of that search (where it's on sale), what flyer they're in and more. It even allows you to "clip" the offer to a shopping list, which I use religiously for price matching (freshCo and Walmart both will price match based on digital flyers). Great app, highly recommend. 

PC Plus - if you shop at any of the stores that accept this points program, then you need the app to "load offers to the card". Basically, it'll award you extra points for select purchases, which you can redeem later at checkout for cash (I think it's in $5 increments). Sobeys and a couple other stores have similar rewards cards, which take no time to sign up for and to beep through at checkout. It all adds up!

Hope that covers all the digital pieces. Even if you don't do the physical couponing, these apps are a nearly effortless way to get a couple bucks back on everyday purchases.