The CVS money-saving system is my most often used and favorite 21st-century coupon cutting and digital coupon system with its variety of traditional as well as digital money-saving tools. As a matter of fact, there are times when I make substantial purchases without having to pay hardly anything. Believe it or not, one particular trip to CVS cost me around $1 for $80 worth of merchandise.
I have been within the top 3-7% of savers in New York for several years
HOW THE CVS COUPON MONEY SAVING SYSTEM WORKS
So far this is the most comprehensive 21st Century Coupon Cutting tool I have found. It works for both online and in-store purchases. Actually, I find it to be the best program around. Therefore, I buy as much as of can of household and personal needs in addition to over the counter nutritional supplements and non-prescription drugs. Here’s how the whole system works:
21st Century CVS and other coupon cutting tags on a keychain
1. I receive an email indicating a saving of between 20% and 40% for one or all my purchases with an expiration date. From the email, I am able to send the offer to the well-worn discount card I keep on my key chain. (See photo below).
CVS 40% off email is #1
2. A postcard with a 20-40% saving is mailed to me. I provide the mailer to the cashier when I check out.
A 25% coupon mailer which I present to the cashier at check out
3.Inside the mailer are additional, individual coupons that are also presentable to the cashier at checkout.
The inside of themailer contains additional, specific coupons
4. When I go to any CVS store, I go to the machine that prints out all the savings currently available to me, in addition, to the ones stored on my plastic coupon key chain tag. See the photo below.
The CVS coupon cutting system store machine printed coupons is #3
5. At check out, I present these printed coupons to the cashier.
6.Next I swipe my tag to register with the cashier all the discounts on my card.
7. Then I swipe my OTC or over-the-counter card to see what savings I can also get up to $100/month for certain non-prescription items. The OTC card is a benefit of my health insurance plan. This plastic discount card is shown below.
My OTC card which can cover up to $100 in non-prescription items is #6.
8. There is also the 10/30 program which refunds $10 for every $30 spent on this store visit.
9. In addition, there is the new CVS ‘CarePass’ program that costs $5/month then returns $10/month. It is charged at the beginning of the month and is paid out on the 18th of each month.
CONCLUSION
As you can see, the CVS money-saving system is a mix of both traditional coupon cutting and digital coupons. Even though it can become confusing, it is clearly worth the saving we get.
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Twenty First Century coupon cutting might become the next money-saving system we need to utilize for financial survival. In other words, it could become Phase Two of the financial mountain climbing challenge we face. It would start in 2020. The reason for calling this Phase Two is that we may require another money-saving financial survival system in addition to cash reward credit cards.
This would be to offset the 2020 Medicare-Medicaid crisis that we are faced with right now. This additional financial survival system would be an addition to the cash rewards credit card financial survival system I originally devised and have been using for the last 10 years, from 2009-2019.
Climbing the mountain of financial survival again. Photo from goodfon.com
PART ONE: TOOLS FOR HELP WITH FINANCIAL CHALLENGES 2009 – 2019
To return to 2009 for a moment, our first major financial mountain climbing challenge was when we went ‘From Middle Class to One Day From Homeless’. We had to make substantial compromises to our lifestyle just to survive indoors.
There are actually four Amazon Kindle Ebooks that I wrote about that journey. Fortunately, I had discovered the benefits of the responsible use of cash reward credit cards. They can be invaluable in accumulating welcome bonuses as well as cash rewards. These are the Ebooks I wrote over this ten year period.
Our Story from 2009-2019 as told in Four Kindle Ebooks with the evolution of the Cash Rewards Credit Card Financial Survival System
PART TWO: TOOLS FOR HELP WITH FINANCIAL CUTBACKS 2020 GOING FORWARD
Now we may be facing an additional tightening of our belts. What this means is that another system besides Cash Rewards will need to come into play as part of our financial survival tools.
I am constantly being introduced to new money-saving apps. In fact, most of them do not require manual coupon cutting. Instead, the saving is sent electronically from one devise location to another devise location which can then register at purchase checkout to apply the savings.
To start, there are plastic tags with individual identity name and graphics on one side. Then there is a bar card on the back to identify each store. Savings are electronically registered on a store’s tag. Finally, that information is transferred to the cash register at purchase.
21st Century coupon cutting tags with retailer image on one side and electronically activated barcode on the other
CONCLUSION
21st Century coupon cutting is a transformation of the previous century system. In fact, the new system is digital coupons. Therefore, going forward in this series, look more and more for keywords that refer to digital coupons rather than coupon cutting. But don’t throw your scissors or coupon organizer quite yet. Instead, prepare to use them less and less. Happy savings, 21st-century style!
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