How to coupon, without couponing.

Okay so as much as I love saving money, I don’t coupon for a couple of reasons. I don’t have time to coupon. For one, by the time I sit down and cut out coupons, compare pricing and plan a shopping trip I could have used that time to make some more money. & secondly, none of the items I generally shop for issue coupons. Very rarely will you find coupons for organic food or non-toxic and all natural products? Last but not least I am a minimalist. Grocery shopping; or shopping period is a task in itself. Couponing hurts my minimalist brain.

I am all about saving money so here are a few things I do to coupon, without actually couponing.

1.Use a cash back debit card or credit card.

If you have a credit card, this is GREAT. Use your credit card for any and everything and then pay it off immediately after you use it. This way, you pay no interest, you still get the cash back and you are increasing your credit score all the same time. *Insert future song* If you are using credit, in any way ( a mortgage, a car loan, lay-a-way) You SHOULD be using a cash back credit card. Now if you don’t have good credit or you don’t use credit at all and you against the idea of using it, you can use a cash back checking account FREE checking account. Don’t get hit with the okey-doke. A lot of banks offer cash back, but by the time you pay their fees, it balances it out. Get a FREE cashback checking account, like Discover or CapitalOne. You can earn up to 3% on all of the things you purchase ANYWAY. So when I spend $30 at Aldi’s ( this is a very unlikely number lol) I’m getting anywhere from $6-$9 back just from using the right card? I’ll take it!

Here’s a link to sign up for a discover cash back checking account.

https://www.discover.com/online-banking/checking/

2. Use Ebates for online shopping

By the things that you usually by from target or Walmart online, using one of the traditional affiliate marketing chrome or safari extensions.  There are many companies that off cash back online. I use EBATES because it pays cash, it’s quick, easy, and have the extension on my computer makes it easy to remember because it pops up whenever I go to a website to shop. As crazy as this sounds, it’s hard for me to REMEMBER to save money. I’m very forgetful, but if it pops up while I’m shopping, I can’t forget! So when I’m out of dish detergent, laundry detergent ( If I don’t make any that month ), toilet paper, paper towel and things of that nature, I buy them online only. I buy them online for three reasons. One, I get the highest percentage of cash back online, rather than in person. Two, it saves me time to buy the “necessary items” online. I don’t have to spend the gas or the time going to the physical store and most of the time, I get these things in 2-3 days. Three, It saves me even MORE money not going to the physical store. I always find something else to pick up and buy even when I have a list especially if it’s pink or rose gold.

Here’s a link to the Ebates extension :

https://chrome.google.com/webstore/detail/ebates-the-free-cash-back/chhjbpecpncaggjpdakmflnfcopglcmi?hl=en-US

3. Use DOSH for in-store purchases

Last but not least the last tool I use to coupon without couponing is DOSH. If I absolutely have to go inside of a store to buy something; which this is usually clothes, I use DOSH. Dosh is that app that went viral not to long ago for signing people up. Well, I didn’t do all of that, that’s just too much, but I do use it at Marshall’s, forever21, homegoods and any other stores that I would rather go in person to use. They usually give up to 15% cash back for buying something you were going to buy anyway AND it’s simple.

Here’s a link to download the dosh app.

https://itunes.apple.com/us/app/dosh/id1167047511?mt=8

As you can see, Between Discover, Eabtes and Dosh, I have racked up quite a bit of money in the last few months using these tips and tricks. I’m sure there are more out there but like I said, I don’t want to have to do too much. So if they aren’t as easy as this, I don’t want it.

 

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