CVS Scenarios 7/17-7/23

Getting started at CVS

Don't forget your Green Bag Tag!

Here are some scenarios to get your started for as little as $5 OOP! (not including tax)


This first one is assuming that you have not done the July monthly deals yet. If you have done them or if you don't have the coupons (they were regional and some did not get them) then you can skip to transaction #2. (If you did last week's scenarios, then you potentially have $9.68 - $11.68 in ECBs left making your OOP even lower!)

Transaction #1

Lumene cream.5oz x5 = $20.95
(use 5) $4/1 Lumene Product, exp. 8/15/11 (SS 06/19/11)

=95c OOP and a $5 ECBs back 

Transaction #2

Pantene Shampoo, Conditioner, Styler x 2 =$6.97
Crest Toothpaste select 4.4-4.6oz sizes = $1.99

-$3/2 Pantene products SS 06/26/11

-75c off Crest toothpaste PG 7/3 or 6/5
=$5.21 OOP and a $2 and $1 ECB back.  (or use $5 ECB from Transaction #1 and pay 21c OOP)
 

What does "overage" mean in couponing?

Overage is when the value of your coupon exceeds the value of the item. For example a $2 off coupon for a product that only costs $1.75 results in 25c overage.

Some stores allow this, some do not.

Some stores will adjust the value of the coupon to the price of the item if their register beeps to alert them to this. You will still get the item for free but with no overage.

Some stores will allow it if there are items in your transaction to absorb the overage. Purchase the $1.75 item and a 35c pack of gum. Use your $2 off coupon and pay 10c. You absorbed your overage with the second item.

Walmart does not require you to have items in your transaction to absorb overage. If you bought the $1.75 item and used a $2 coupon they would give you 25c back!

Another way overage occurs is if you stack a store coupon with a manufacturer coupon.

Learn more about coupon terms.

"Extreme" Couponing Tip - Never pay for toothpaste again!

I used to think that what I did as a couponer was "extreme" until I saw the show Extreme Couponing.
Now, I find what I do to be more practical. But to someone who has never couponed before, what I do may look extreme.

So, if you want to be "extreme" like me - here's one of my tips:

Never PAY for toothpaste again!

Now, before someone interprets that as me saying we should all "steal' toothpaste, let me explain!

You will ALWAYS be able to get free toothpaste at CVS or Wal-Green’s. I probably have 10 toothpastes (not to mention all the ones I've donated) in my pantry and I got them all for FREE!

STOP buying toothpaste at Walmart and grocery stores. CVS, Walgreens and Rite-Aid are better places to get toothpaste (as well as deodorant, body wash, soap, etc.)

Why? Because of their rewards programs for customers. CVS has ECBs (extra care bucks), Walgreens has RR (register rewards) and Rite-Aid has +Up.

Every week something (shampoo, toothpaste, deodorant) goes on sale for, say $3.99 and you get $3.99 ECBs/RR/+Up back (depending on the store). Well, that product just became free to you!

Or, if it's $2.99 and you get $2.00 ECBs/RR/+Up back when you buy it, and there's a $1 off coupon, then guess what? The product just became free to you!

But WAIT! It gets better!. If something goes on sale for $3.00 and you get $3.00 ECB/RR/+Up back AND there is a $1 off coupon - the you just made money on that item!

So, don't ever pay for toothpaste again. :)

Find more coupon tips.

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"Extreme Couponing" Tip: Get multiple copies of your Sunday Paper

I used to think that what I did as a couponer was "extreme" until I saw the show Extreme Couponing. Now, I find what I do to be more practical. But to someone who has never couponed before, what I do may look extreme.

So, if you want to be "extreme" like me, here's one of my tips:

Get multiple copies of the Sunday Paper.

If you want to get multiple sale items and multiple deals, you need multiple coupons. And the only way to do that is get multiple copies of the Sunday paper.

Did you know that you can get more than one subscription to the paper? I get two Sunday papers delivered to my house.

Dollar Tree sells papers for $1.00. But they sell out FAST especially when the inserts are hot!

You can also get them from an old fashioned paper box. There's one at a little service station not far from my house that I like to stop at on Sunday morning. It's never out. :)

CVS, Walgreens, Walmart, etc. sell them too. But you'll pay the most there.

You can also order coupons from a coupon clipping service like The Coupon Clippers.

Ask friends, family and neighbors if they use their coupons. They might be willing to save the inserts for you.

And you can dumpster dive for coupons, if that's your cup of tea. :)

Find more coupon tips.

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"Extreme" Couponing Tip - Clip and save every coupon!

I used to think that what I did as a couponer was "extreme" until I saw the show Extreme Couponing. Now, I find what I do to be more practical. But to someone who has never couponed before, what I do may look extreme.

So, if you want to be "extreme" like me, here's one of my tips:

• Clip and save every coupon you get. Even on things you don't think you'll use. This is how "extreme couponers" get free products and overage or money-maker deals to apply to other purchases.
  
  I know, why, oh, why would you want to keep a coupon on something you would never use?? Ok, here is an example from CVS just last week. The picture isn't great but it's Biore Pore Strips, Biore facial cleanser, 2 bottles of Revlon nail polish and some cracker snack packs (the pitfalls of shopping with a toddler - must buy snacks!):
  
  Biore products $7.99 each and $5 ECBs when you buy 2

Revlon Nail Polish - $4.99 each and $4 ECBs on one (limit 2)

Cracker Snacks - $1.00

Quick match tells you that this is $26.96 worth of stuff. Did I pay $26.96 for it? Of course not!

Now, I am not one to paint my nails very often. Nail polish is not something I buy, especially bottles of $5 nail polish. So when the $2 off Revlon color cosmetic coupon came around, if I weren't an extreme couponer, I would've thrown it away. Same thing with the Get a Free Biore Pore Strips when you buy a Biore product. The facial cleanser I will use. The pore strips? No, not something I would use, so I could've easily tossed that coupon.

BUT! I know better! Since the Revlon nail polish was $4.99 with $4 ECBs back, the $2 off coupon made it a money-maker! With the coupon, I paid $2.99 and got $4 back - twice! If I had thrown away those coupons because I was sure I would never use them, I would've through away $2.02!

And since I had a coupon to get the Biore strips for free I paid $7.99 for both items and got $5 back! Which means I only paid $2.99 for the cleanser that I will use.

Now, it gets even better when you figure in that I used previous ECBs to pay for the deal. I had $11 in ECBs to use. So after all coupons, I only spent $3.97 plus tax out-of-pocket. And at the end of my receipt I got $13.00 ECBs ($9.03 more than what I spent!) to use later on anything I want.

So those coupons that I thought I would never use made me $9.00 last week!


I hope this tip helps you in your extreme couponing quest! Stay tuned for more tips!

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See more on couponing at CVS.

Being a Practical Couponer - Step 3: Be Kind

Intrigued by the hype over "extreme couponing"? Well, that's just not practical for everyone. Here at saving Toward A Better Life the emphasis is on "practical couponing".

Join me over the next several days as we talk about being a "practical couponer"!

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Step 3: Be Kind

1. Carry around your store's coupon policy so you can dispute a cashier or manager when they are wrong. But be kind and if they just won't relent, you can also have the items in question removed from your transaction or cancel it all together.

2. Don't "clear the shelves". Practical couponers maintain a modest stockpile for their family. "Modest" is the key word. If you can get free toothpaste, that's great. But don't take 17 tubes of it off the shelf. That's excessive. Take 2 or 3 (or 4) and leave some for others. Clearly, if there are only one or two items left on the shelf, "clearing" it is unavoidable but that's not really what it means to clear the shelf. Clearing the shelf is taking everything without any regard to others coming along that just want a couple deals for themselves.

Tune in tomorrow for more "practical couponing"!

Being a Practical Couponer - Part 2: Be Ethical

Intrigued by the hype over "extreme couponing"? Well, that's just not practical for everyone. Here at saving Toward A Better Life the emphasis is on "practical couponing".

Join me over the next several days as we talk about being a "practical couponer"!

Subscribe to the blog so you don't miss any deals!


Step 2: Be Ethical

1. Make sure you understand coupons. Do you know the difference in a store coupon and a manufacturer coupon? What's the difference in one per purchase and one per transaction? What is stacking coupons? Did you know that stores get reimbursed for the face value of the coupon plus 8c handling? So you're not taking anything away from the store when you use coupons. To use coupons correctly you have to understand them.
2. Make sure you know your store's coupon policy. Do they double? Do they allow stacking? Do they take competitor's coupons? Print their policy from their website and keep it with you when you shop.
3. Never ever ever photocopy a coupon. This along with a few other rules are very important. Only use a coupon on the product/size/type/amount listed on the coupon. Trying to use a coupon for $2 off a 64oz product when you are only buying the 32oz variety is fraud. Don't use a $1 off 2 product coupon if you only have one of the products in your transaction - that's fraud. Yes, fraud is a harsh word but there is no way to tiptoe around it. Rules are rules, even if you are on TV.
4. You are not "getting away" with anything by using coupons!! It's not a big secret, it's not a fancy trick. It's a legitimate way to purchase things. If manufacturer's didn't want us to use coupons, they wouldn't keep putting them out there to be used!! Don't stand in the check-out at the store and worry because you think you are "getting away" with something. As long as you are using your coupons correctly, you have nothing to worry about.

Tune in tomorrow for the next lesson on practical couponing!

Walmart's NEW Ad Match Policy

Here is Walmart's new ad-match policy:

We gladly match the price in the following types of ads:*

• Buy one, get one free ads with a specified price
  • Example: Buy one for $2.49, get one free (BOGO)
    
• Competitors' ads that feature a specific item for a specified price.
  
• Preferred shopping card prices for specific items that are in a printed ad.
  
• For fresh produce and meat items when the price is offered in the same unit type (lb. for lb.; each for each)

*The following are guidelines and limitations:

• We will match any local competitor's advertised price.
• We do not require customers to have the ad with them to honor a competitor's ad.
• Items purchased must be identical to the ad (size, quantity, brand, flavor, color, etc.)

We DO NOT match the price in the following types of competitor ads:

• Items that require a separate purchase to get the ad price
  • example: "Buy [item A] to get [item B] for $C"
• Items with no actual price that require a purchase to get free product
  • example: "Buy both [items A & B] to get [item C] for free"
• Items that require a purchase to get a competitors' gift card
  • example: "Buy [item A] to get a $B gift card
• Buy one, get one free (BOGO) ads with no actual price given
• Going out of business or closeout prices
• Percentage off
  • example: "All mascara, 40% off"
• Competitors' private label price promotions

We do not honor:

• Ads when the actual price for items cannot be determined.
• Internet pricing
• Misprinted ad prices of other retailers
• "Going out of business" sales or "close out" prices

You can download a printable copy directly from Walmart's site here.

Don't forget about their new coupon policy too.

Is "Extreme Couponing" for you?

There was a time when I thought I was an extreme couponer. I mean, I can score some MEGA deals and I have a modest stockpile and I cut our grocery budget by $400/month over the last couple years. I frequently get FREE items at the drugstores and save 60-70% at the grocery store. Sounds pretty extreme right? I thought so.

Then a few weeks ago, this show on TLC called Extreme Couponing comes along. WOW! I am no where NEAR extreme if that is the standards that it takes to be extreme.

Now, before I go any further, I know there are some people that have been on that show that do ALOT of good with the free things they get.

But hoarding more toilet paper than your family can use in a lifetime, using your kids closest for stockpile storage, clearing the shelves of every product and leaving none for other shoppers or committing coupon fraud to score a good deal is NOT practical nor how it works in the real world. Plus, I think it sets people up to fail. You see what their doing on TV but are unable to recreate that kind of shopping and it can frustrate you and cause you to give up coupons all together.

I know longer consider myself "extreme". I like to think of myself as a "practical couponer". Would you like to be a "practical couponer"?

Join me over the next several days as we talk about being a "practical couponer"!

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Understanding Coupon Lingo - Double Coupons

There are a lot of terms used when it comes to couponing and deals.  Let me help you decode it all!


What does a store mean when they say "Double Coupons"?

It simply means the value of your coupons (up to a certain amount depending on the store) is twice at that store.  The store only gets the value of the coupon back from the manufacturer, but they give you twice the value to entice you to shop at their store in hopes that you will buy higher priced / non sale / non coupon items while you are there.

Why do coupons say "Do Not Double"?


The "Do Not Double" on a coupon refers to the manufacturer's policy to not reimburse the store for twice the value of the coupon.  If a store doubles coupons, you will get double the value even if the coupon says "Do Not Double".  It's the stores decision to give you twice the value. 

Check the UPCs of your coupons.  If the first number is a 5 it will double automatically in a store's system that allows double coupons.  If it has a 9 it will not automatically double - so be vigilant at the register, you may have to point out to the cashier that it didn't double.  (I've come across very few "9" coupons.)

See more Couponing Lingo.

How to spot a fake coupon

I have some great post ideas but it seems that the Budget Savvy Diva always beats me to it!  But that's okay - because she's nice enough to share with us!

Here is some great information on how to spot a fake coupon!

I cannot stress enough about where you get your printable coupon information — I know someone who used a "fake" coupon from another deal site and was caught and fine the $2,500, even though they didn't know at the time that it was a fake!

How to Make Sure You Are NOT USING A FAKE COUPON

- Know where you are getting the information: There are a large amount of bloggers who do not put the amount of work in necessary to bring you legitimate information and YOU could be paying the price.  I have a list of great bloggers listed in the sidebar who are trustworthy.  Make sure you can trust your sources!

TLC's Extreme Couponing - What They Don't Tell You

 Here is a great article from A Full Cup on what the TLC show Extreme Couponing doesn't show you!

1. It Takes Time to Coupon
It takes hours of planning to take a $2,000 bill and get it down to $100. Extreme couponing like you see on the TLC show is a part-time or even full-time job in regards to the hours put in.

2. Extreme Couponing Isn’t for Everyone
The average person won’t put in all the time to be an extreme couponer. But if the show got you excited that’s great! Using coupons will save you money. Start off with a goal of saving 10% to 20 % off your grocery bill. As you learn the tricks of couponing you can work on increasing your savings, or find a happy medium where you save plenty but don’t go to the extreme to use every coupon.

Organizing your Coupons: Coupon Binders

I am ALL about my coupon binder now!  A year ago I didn't think I would use a binder but now I love it!  I have a Case-It Binder that I bought second-hand.  It's awesome!  It has two sets of 3 rings.  It have plenty of pockets and it came with folders.  I use the folders to store my receipts by month and rebate forms that I want to use.  And it zips up completely!  Love that feature.  Mine also had a carrying strap but it broke.  :(

Here are some Case It binders from Amazon.  They are a bit pricey but you want to get a good one.  Just a cheap plastic 3 ring binder is not going to hold up.  It doesn't have pockets to hold pens, calculators and scissors (which are necessary binder items!)  Also, since it doesn't zip, you're coupons aren't safe from, say, dropping your binder in a puddle while loading groceries on a rainy day.

I think the second one is most like the one I have.

  
 

Walmarts NEW Coupon Policy!!

WOW!  Walmart is finally catching on!  They have released a NEW coupon policy that is FANTASTIC.  Now, if the stores will just abide by it.

I would definitely print a copy of this to take with me on a coupon trip to Walmart!

You can read and print the policy here.

Here are the BEST changes:

Be a Better Couponer - Part 4: Getting the MOST coupons!

A successful couponer is the one that has the MOST coupons available to him/her.  So to be a better couponer, you have to have coupons coming at you from every direction!!

Here's all the places you should be getting coupons from:

• Sunday Newspaper Inserts (I suggest getting 2-4 newspapers every Sunday)
• All You Magazine (go ahead and subscribe, you'll be glad you did!)
• Printables:
• Coupons.com
• Redplum
• Free Coupon Alerts
• Smartsource 
• Target's website (some are Target coupons, some are manufacturer - usuable anywhere!)
•  Contacting Companies
• Sign up for Baby Coupons from major companies and for Baby Clubs at your grocery stores
• Free Publix quarterly magazines (even if you don't shop at Publix, they have manufacturer coupons in them that you can use anywhere!)
• Join the Coupon Swap!
• Watch for "Printable Coupon Roundup" posts
• Purchase extra coupons on items you buy alot from a Coupon Clipping Service, like My Coupon Hunter.

New Years Resolution - Be A Better Couponer Part 2: Understanding Couponing!

Here's another post in the New Years Resolution Series!

To be a better couponer, you need to understand couponing!

I've taught couponing classes and all the notes from my classes are available right here.

Here are the four parts to the lesson:


Couponing 101


Beginners Tips to Using Coupons


Knowing and Understanding Coupons


The Saving Lifestyle


Did you miss part one on how to be a better couponer?  It was about organizing your coupons!

Our other New Years Resolution was to get started with rebates!

New Years Resolution - Be A Better Couponer Part 1: Get organized!!

Yes, couponing is a lot of work.  I won't lie to you.  And that's the excuse most people use when it comes to using coupons.   It's too much work.  But to me, work = pay.  So let's look at how much coupons "pay" you.  I cut our monthly budget $300-$400 a month when I started seriously couponing (I used to just be a "casual couponer").  So I basically get paid $300-$400 a month to coupon.  Sounds to me like the "work" is worth it!  :)))

So, if your new years resolution is to be a better couponer, the first thing you need to do is organize your coupons!

The easiest way to organize your coupons is a small "coupon-sized" accordion file.  This is good for just starting out.  Eventually, you'll outgrow your accordian file as you begin to amass large amounts of coupons.  (I'll talk about coupon binders later...)

But, to begin with - let's talk accordian files.

Most of them come with either tabbed index cards or they have the plastic slots with pieces of paper to write on and insert.  You'll want to organize your coupons by category.  Some examples are:
Baby
Baking
Beauty
Beverages
Breakfast
Canned Goods
Condiments/Sauces/Spices/etc.
Cleaning Supplies
Dairy
Dry Goods
Frozen Foods
Meats
Medicine
Paper Products
Toiletries/Hygiene

You can modify as needed.

Now, with an accordion file there isn't much "organization" you can do past inserting the labels.  Each coupon goes behind the label for which it is categorized.  You can keep them sorted within each category by expiration date if you wish.  Or you can group like brands together.  (for example, under breakfast have all the Kellogg's cereal coupons together and all the General Mills cereal coupons together).  This may help you when you are looking for a particular coupon.

So pick up a coupon organizer (I had a plastic one I really liked that cost less than $4 from Walmart in the office supply section) and get organized!

Just know that once you get the hang of this, you're going to want to upgrade to a binder.  But don't overwhelm yourself just yet!  :)))

Happy couponing!

What is a "catalina" coupon?

A catalina coupon is coupon that prints at the register after your purchase.  They are called "catalinas" after the company that makes the machines that print them.

A catalina can be a manufacturer coupon.  These are often triggered to print based on something you purchased.  At Winn-Dixie, if I purchase Gerber products, I'll usually get Gerber coupons printed.  Sometimes you'll get a coupon for a rival brand, for example, if you purchase Maxwell House coffee you might get a coupon for Folgers.  I've gotten catalinas coupons for FREE products!

Walgreens Register Rewards are a type catalina coupon that are store coupons.

Sometimes stores will have a special promotion where you get a coupon off your next order when you buy a certain product or amount of products.  I see these most often at Winn-Dixie.  A recent one that comes to mind was on Green Giant boxed frozen vegetables.  The promotion was buy 3 boxes and get $1.00 off your next order (OYNO), buy 4 boxes, get $2 or buy 5 boxes, get $3.  When you buy the required item(s) a coupon prints that says "Save $1.00 on your next shopping order."  When you shop again, include your catalina in your coupons you use and you save!  Simple as that! 

You can use coupons on the products you are buying for the deal.  For example, if a $1 OYNO coupon is supposed to print when you buy a $3 product and you have a $1 coupon on it - use it.  You'll pay $2 for the product and get $1 back to spend later!

10 Tips to Better Couponing - Guest Post

Ruth at Living Well, Spending Less has given us her 10 Tips to Better Couponing!  Here's her list:

1.  Clip as little as possible.  It is impossible to avoid clipping all coupons--how else would you use them--but you can save a ton of time each week by simply filing your entire newspaper insert by date and only clipping coupons when and if they are needed.  The best way of filing these inserts is to use either an accordion file or a portable hanging file folder box.  Printable lists of which coupons are included in each insert are published here on SouthernSavers.com each week.  (Some coupons vary by region, but generally the lists are pretty accurate.)  That way if you need to buy a specific item, you can scan the list for a coupon that might work.

2.  Keep your clipped coupons organized and accessible.  Even if the majority of your coupons stay filed by date in their inserts, you will still amass a lot of loose coupons, whether they be a hot coupon you printed or coupons that come in the mail.  To organize these loose coupons, I use my trusty The Couponizer Book which was my first organization method when I started couponing.  (It is still a great tool, it just doesn't fit all the coupons I am now working with!)  A smaller accordion envelope with labels by category would probably also work well for this purpose.  Both are small enough to carry along with you to the store, in the event you come across an unadvertised special.

3.  Be on the lookout for great printable coupons.  There are literally hundreds of coupon and frugal living blogs out there  Spend some time looking through them, then follow the ones you like best in a RSS feed reader.  New coupons pop up all the time, but the really good ones tend to go fast.  5 minutes a day scanning the headlines for a hot deal could eventually save you hundreds of dollars.

4.  Don't expect to use every coupon.  Even if a coupon seems really good, it might not be a great deal if that item happens to be at its highest price point in the sales cycle.  As much as possible, try to wait until items go on sale.  Experience and practice will tell you when an item has hit rock bottom.  Trust me, patience will pay off.

5.  Prepare before you go.  DON'T try to wing it!  This is important!  For my weekly trip to Publix, (the store I get the vast majority of my groceries at), I probably spend an average of 2-3 hours preparing my list and gathering coupons.  I use the printable list tool SouthernSavers.com (CouponMom.com also has this feature for other regions.)  I look through the list and check all the items that look like a good deal with coupon match-ups, or items that are on sale that I know my family wants/needs.  I print a copy of the list with coupon match-ups, then methodically go down the list and find the coupons that are listed, whether they be printable (which I then print) or located in an insert.

6. Go to more than one store.  Sure it's a hassle, especially if you do most of your shopping with kids in tow.  However, different stores have different deals each week, which doubles your chances at savings.  Additionally, if you have a bunch of non-sale staple items to buy, it is generally better to get those items at the store with the lowest overall prices, while stocking up on deals at the higher-priced stores.

7.  Stockpile, stockpile, stockpile!  I've said it before, and I'll say it again:  the key to saving a ton of money with coupons is to build a great stockpile!  If you buy large quantities each week of the few really cheap sale items, you will eventually have a great variety of products to choose from--your own little mini grocery store.

8.  Buy multiple newspapers.  One insert a week won't cut it for big-time savings.  For my little family, I buy at least 6 (and sometimes more if I know it is going to be a good week.)  Call the newspaper in your area and see if they will cut you a deal--perhaps deliver extra inserts if you order multiple subscriptions.  Ask friends and family members or neighbors who don't coupon if they would mind giving up their inserts.  You could even collect them from businesses like hotels or restaurants that provide Sunday newspapers for their guests.  Be creative.  But stock up!

9.  Invest in a black and white laser printer.  The vast majority of coupons are now acquired online, which means you will be printing a LOT of coupons.  A laser printer will save you a lot of money on toner in the long run.  After my last $25 ink jet cartridge lasted me all of 3 weeks, I bought the Brother HL-2140 Personal Laser Printer (available on Amazon for $79.99) and a refurbished replacement Brother TN360 High Yield Black Toner Cartridge for $36.99.  Even at the rate I print, I should now be set for at least a year, which means in that time the printer will have paid for itself 4 times over.  Along those lines, stock up on cheap printer paper at office supply stores whenever you can!

10.  Learn the rules of the game.  Be familiar with the coupon policies of the stores you shop at.  Learn about the different drugstore programs, whether you go to CVS, Walgreens, or Rite-Aid.  Know what it means to "stack" store and manufacturer's coupons.  Likewise, learn the terminology and abbreviations that are frequently used.  I  have a beginner's guide to couponing on my site, living well, spending less.

Happy savings!

Thanks for the great tips Ruth!  

You can check out the Couponing Lingo page for more details on the terms she mentioned in point #10.  You can also check out store coupon policies here.  (Just keep scrolling until you find the store you're looking for)

For more help for couponing beginners - check out these posts.

Rebate of the Day - Money Back Guarantees

There is an ethical difference between a rebate or "try me free offer" (TMF) and a money back guarantee (MBG).

A rebate or try me free offer is when a manufacturer offers you a partial amount or the full purchase price back on their products to get you to try them.  The reasoning behind this, is if they entice you to buy it, you'll love their product and keep buying it.

A "money back guarantee" is when they guarantee that you will love their product or they'll give you your money back.  It's a rebate with strings, so to speak, because they often (most of the time) require you to tell them why you were not satisfied or what you didn't like about their product.

That's why I say there is an ethical difference between a rebate and a MBG.  I don't typically feature MBGs for that reason.  Being a good "couponer" means not abusing the system.  We shouldn't go out and buy a company's product and then lie to them to get our money back.

With that said, MBGs are out there and it's good to know who has them because if you try the product and genuinely don't like it, you can get your money back.

Here are some available Money Back Guarantees:

• Zyrtec (does not require you to give a reason)
• Arm and Hammer Double Duty cat litter
• Silk Soy Milk
• Pampers with Dry Max
• Biz Stain Fighter
• Quilted Northern
• Dawn Plus Vinegar Alternative
• Almond Breeze Milk
• Febreeze Noticables
• BeeMD organic honey throat drops
• Prilosec OTC
• Barilla Whole Grain Pasta