Safeway Basics

I was never confident in couponing for grocery items, but once I learned to coupon at Safeway, I changed my mind. Safeway is the most recent store I’ve mastered in my coupon journey. I’m not sure what intimidated me before about Safeway, but it’s possibly the easiest store for beginners to learn!

Club Card

Safeway’s Club Card is the key to scoring great deals at this store! With the Club Card, you get access to sale prices and the Gas Rewards program. To sign-up for the Club Card, you’ll need to head to your store’s Customer Service counter and fill out a registration form. Once you’ve obtained your Club Card, you can link your phone number to it for quicker access. At checkout, simply scan your Club Card, or type in your phone number for instant savings!

Gas Rewards

Each time you use your Club Card, you earn points towards Gas Rewards. After earning 100 points, you get 10¢ off per gallon of gas at Safeway gas stations. You can get a maximum of $1.00 (or 1,000 points) off per gallon of gas.

  • Earn 1 point for every $1.00 you spend on groceries.
  • Earn 2 points for every $1.00 you spend on qualifying gift cards.
  • Earn 1 point for every $1.00 you spend on pharmacy items.

Just for U

Safeway’s Just for U app is a one-stop-shop for scoring great deals! The app is linked to your Club Card and has so many offers.

  • Digital Coupons: Most of the same IPs can be “clipped” on the app. Digital coupons only work once per item, and cannot be combined with a physical manufacturer coupon.
  • View the Weekly Ad: A searchable ad is broken into different categories to save you the hassle of flipping through multiple pages.
  • Make shopping lists: Add items from previous purchases or pick from offers on your account to keep track of what you’re going to buy!
  • Personalized Deals: Based on previous items you’ve purchased, exclusive prices for items will be linked only to your card. Just click “Add” next to the offer, and your savings will automatically be applied at checkout.
  • Freebies: Occasionally, a freebie offer will be under the “Special Offers” category. Freebies can only be redeemed once per Club Card account.

TIP: If you don’t want to download the app, the same Just for U offers can be found in the Weekly Ad. Just clip these physical coupons and scan them at checkout.

Double Coupons

What makes Safeway unique? In Maryland, manufacturer coupons under 99¢ will double. When you combine a great sale, like 99¢ Angel Soft toilet paper with a doubled lower value manufacturer’s coupon (like 45¢ off any Angel Soft product), you can get some items for pretty cheap! Check out to see if your store participates in this same double coupon offer!


Target Basics

Target is one of my favorite places to coupon because there are so many different savings offers that you can stack! For every item purchased, Target allows guests to combine:

  1. One manufacturer coupon (paper or Cartwheel digital);
  2. One Target coupon; and
  3. One Cartwheel offer.

You can save even more by using their REDcard, earning gift cards, and by using reusable bags!

Continue reading

Cash Back Apps!

To make some coupon deals even sweeter, there are several apps that you can download that will give you cash back for certain items that you purchase. Most require you to upload a photo of your receipt, or link your store card (like Rite Aid’s Plenti Card), to take advantage of the rebate offers. With most of these apps you can cash out to your PayPal account, or opt to receive a Gift Card to select stores (like Starbucks, Amazon, or Best Buy). These are a few of my favorites:

How does it work?
Prior to purchasing your items, choose items from the app’s offers and add them to your account. When you’re ready to get cash back for your purchase, hit the “Redeem” button, and upload a photo of your receipt.
When do I get paid? The best part about this app is that you won’t have to wait to cash out – it’ll be deposited into your PayPal account almost instantly!

How does it work? Again, prior to purchasing items, you need to activate offers you want to redeem. Only a certain number of offers are available to all SavingStar users, so activate offers you’re very likely to use. Sometimes, the offers will disappear if the limit has been reached. After you’ve made your purchase, scan the product’s barcode to ensure that it qualifies for the offer. Upload your receipt and your savings will post to your account in a few days.
When do I get paid? You can cash out after you’ve redeemed $5 worth of offers.

Tip: I’ve come to realize that a lot of the RedPlum coupons align with SavingStar offers. Technically  you can’t redeem a SavingStar offer that you’ve used a coupon on, but I have yet to encounter a problem with double dipping. Shhh!

SavingStar is so unique, because for a limited time, they offer 100% cash back on certain items! For example, York Peppermint Patties were the 100% cash back offer… meaning I scored one COMPLETELY FREE!

How does it work? Much like SavingStar, you select the rebate offers you’d like to redeem prior to making purchases. You’ll also have to scan the product’s barcode and upload a photo of the receipt. You’ll get cash back almost instantly, or within 24 hours.
When do I get paid? With Ibotta, you have to wait until you’ve redeemed $20 worth of offers, before you can cash out.

What’s cool about Ibotta is that you can join teams, and earn bonuses for completing different activities. Connect your Facebook account to your Ibotta account for the teammate bonuses!

How does it work? This app is very similar to MobiSave, in that you don’t have to scan the product’s barcode to get credit for making a purchase. Simply star (or activate) the offers you want to redeem, and upload your receipt. New Checkout 51 offers appear every Thursday at 12:00 AM, and expire the following Wednesday at 11:59 PM.
When do I get paid? After you’ve reached $20 in redeemed offers, you can cash out.


The BEST way to organize coupons

After retiring my coupon binder, I decided not to get weekly inserts anymore. Now I only get inserts when I know a great deal is coming up, or a high value coupon is set to come out. My go-to nowadays are Internet Printable coupons (IPs). The only downfall I’ve come across with IPs is that they aren’t as high valued as weekly inserts; but sometimes an IP is released that wasn’t in an insert!

How I organize my IPs:

  • Print as needed. I’ve come to realize that clipping every available coupon is a waste. It is a waste of paper, time, and space. I only print the coupons I know I will most definitely use. Typically, you can print two of the same coupon per device – laptop, cell phone, iPad, etc.
  • Use a mini file folder. It’s so small and compact, that I can keep this in my purse at all times. Unlike the binder, it’s easier to maneuver a mini file folder while shopping and checking out.
  • Divide by store. With my deal already in mind, I’ll print however many coupons my deal scenario calls for. If my deal is at CVS, I’ll put all of the coupons for the deal in my CVS divider slot. I also keep store coupons in their respective divider too.

How I organize my weekly inserts:

  • Use a large file folder. I use a larger version file folder to store and organize my whole inserts. I can still carry this with me in a reusable grocery bag, and it is still much simpler than the bulky binder.
  • Divide by insert type and date. On the spine of all inserts, in very small print, will be the date of the insert. I’ll keep my SS 3/13 insert separate from my RP 3/13 inserts. If there are two of the same type of inserts in a week, I’ll number those #1 or #2.
  • Keep inserts whole. Only clip coupons from weekly inserts, as needed. If I find a deal on a deal match-up site, like Free Stuff Finder, I don’t have to flip through my binder to find where “x” coupon is. Most often, the weekly insert is mentioned in the deal, so I can go right to that insert and find what I need.

How do you store and organize your coupons? Do you think this method would work for you? Let me know in a comment below!

Tips for Beginners

Be realistic. Yes, Extreme Couponing encouraged me to start clipping coupons, but that show is unrealistic! There is no possible way that you will checkout with a total before coupons over $500, and walk out of the store paying absolutely nothing.

Start your coupon journey by focusing on one or two stores. To make things easier, Coupons Over Cash focuses on CVS, Safeway, and Target deals, as I think these are the easiest for beginners. Each store is unique and provides different incentives, which helps make your Out of Pocket (OOP) less!

Know the store’s coupon policy. There have been multiple times when I’ve checked out at a store and the cashier didn’t know the store’s coupon policy. In these situations, it’s best to keep a printed copy in your coupon binder, or bookmark it on your phone.

Know the difference between “per transaction” and “per purchase.” At the bottom of most coupons, it will mention limit one per purchase or one per transactionOne per purchase refers to the purchase of an individual item. For example, you plan to purchase four tubes of Colgate toothpaste. If the Colgate coupon said limit one per purchase, you could use four coupons because you are purchasing four of the same item. One per transaction refers to the entirety of what you’re buying. Similarly, if you were buying four tubes of Colgate toothpaste, and the Colgate coupon said limit one per transaction, you could only use one coupon. An entire transaction consists of multiple purchases.

Keep your coupons organized. I have arranged my coupons MULTIPLE different ways. I started with the binder method, then switched to a “clip as needed” policy. Find what works best for you.

Buy only what the coupon states. If a coupon is for $2 off Lysol toilet bowl cleaner, don’t try to use it on Lysol disinfectant spray. Some dishonest couponers will try to do this and assume that because the coupon didn’t *beep* at the register, then it is okay. This is actually considered coupon misuse. What would be acceptable is if the coupon said $2 off ANY Lysol product.

Don’t be afraid to try new brands. I’ll admit, I used to be loyal to specific brands. I’m talking to you Charmin Ultra Soft toilet paper. If an item is free (or extremely cheap), don’t be afraid to branch out. I mean, all brands of toilet paper do do the same thing, pun intended.

If you can’t use it or donate it, don’t buy it. All too often, some couponers will do a deal only because they have the coupons for that item, and never use what they bought. If you cannot use it, or donate it, it’ll just clutter your home.

Invest in a paper cutter. If you’re going to use a coupon binder, save yourself some time (and hand cramps) and get a paper cutter. You’ll thank me later.

Do you have any additional tips for beginners? If so, leave a comment below!


Coupon 101

Finding Coupons:

Coupons can be found just about anywhere, but here are a few of the most common places to find them:

  • The Sunday Newspaper: Every Sunday (with the exception of major holidays), there will be anywhere between one and four coupon inserts included with the sale ads. The three main inserts are Red Plum (RP), SmartSource (SS), and Procter & Gamble (P&G).
  • Printable Coupons: Online sources, such as, provide printable manufacturer’s coupons for various products. Typically, the limit for printable coupons is two per device (computer, cell phone, tablet, etc.). Coupons are often available on the brand’s website and/or Facebook page, as well.
  • Tear Pads: Sometimes there will be a display in front of an item, with a pad of coupons attached, that says “TAKE ONE.” Tear pads look like mini notepads attached to a cardboard display sign.
  • Blinkies: Much like a tear pad, blinkies are the boxes that appear in front of an item on display. The boxes are usually red electronic boxes that say “TAKE ONE,” with a red blinking light on the end. These are usually found in grocery stores.
  • Peelies: These coupon stickers are attached to an item, and are usually peeled off by the consumer before they checkout.
  • Mailed from the Manufacturer: Manufacturers like to receive feedback for their products. Often, as a way to say “Thank you” for your feedback, manufacturers will send you paper coupons in the mail.
  • Load to Card: Some stores with reward cards, like Safeway, allow you to digitally “clip” coupons to your card.

Basic Coupon Lingo:

In some deal scenarios that I’ll post, there may be some acronyms that you aren’t familiar with yet. These are the most common:

BOGO/B1G1: Buy One, Get One (free or 50% – this can vary)
B2G1: Buy 2, Get One
ECB: Extra Care Bucks (at CVS)
Exp: Expires
GC: Gift Card
IP: Internet Printable
MFR: Manufacturer
OOP: Out Of Pocket
Rolling: Paying for a transaction with a GC or ECBs and receiving a new GC/ECB back
Stacking: Using a MFR coupon and a store coupon on the same item
TQ: Target Coupon
WYB: When You Buy
YMMV: Your Mileage May Vary – this deal may or may not be available in your area

Store Coupon Policies:

Every store has its own unique set of policies for accepting coupons. Knowing each store’s coupon policy will benefit you in the long run. I used to keep a printed copy of each store’s policy on-hand, but I keep them bookmarked on my cell phone now. Here are a few: