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Planned vs Unplanned Purchases

May 22nd, 2010 at 06:46 pm

Most of my purchases are planned. I work out the deal ahead of time using sales, coupons (store & manufacturer), rebates (store & manufacturer) and discounts offered. Ex. of discount vs sale is Riteaid's Wellness Card gives a 10% discount on nonsale items purchased.

I even purchases items I hope I will not use. Why? Because, if I get the flu/food poisoning and need Immodium (generic) I will probably have to ask someone to get it for me and they will not get generic and I will pay full price on a name brand. Ouch! So I now try to weave items like this into my deals to get them for free or pennies. This week it is Visine and generic Claritin for the fall allergy season. In September, the sales for cold and flu season will start and it will be stock up time. I noticed I'm getting low on tylenol so I will be keeping my eye out for deals. There are some sales but the cost is not low enough yet.

I'm careful to look at expiration dates. Its easier to do this when you feel well and are not rushed. Some expirations can extend out for 2 years or more. Those dates will be my first pick. I look to the back of the shelf for the longer expiration dates since stores put closer exp. dates to the front (unless the stocker is lazy or rushed or customers pawing thru the stock, lol Wink. I always fix any mess I cause looking thru stock.

If I constantly pay full price for things it is hard for me to save money and do the things I want to do without going into debt. Living on debt, to me, is like living on the edge, if I want to live on the edge it will not be because of debt. I would choose traveling, a great book or movie, etc. not debt.

Although this is serious, I took learning about the sale/couponing/rebate process like a game. Learning the rules like you do to Bridge, Monopoly or Texas Hold'em. There are rules and strategies. It can be fun. It can be serious. For some it is intense. But in the end it is up to you what level you take it to, and how successfully it works for you. Will you win and to what degree?

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