CVS Deals 7/5-7/11

CVS has some great deals going on this week.

Buy 3 Post Cereals for $10 total, get $5 ECB (Limit 1)
-Use (3) $2 Post trail Mix crunch MFQ HERE
-AND $1/2 Upromise eCoupon HERE
=FREE + a $1 moneymaker! (Plus $1 in your Upromise account)

Buy 2 Hellman’s Mayo's $3 each, get $2 ECB (Limit 1)
-Use (2) $.60 MFQ from the 6/28 RP
=$1.40 each

Buy 2 Dawn (10.3 oz) $1 each, get $1 ECB (Limit 1)
-Use (2) $.25 MFQ from the 7/5 PG
=$.25 each

Buy $10 in Febreze Products, get $5 ECB (Limit 5)
Deal Scenarios:

Scenario #1:
Buy 2 Febreze Noticeables Kit $6.50
-Use (2) $4 MFQ from the 7/5 PG
=$5.00 OOP, Get back $5 ECB
=Final cost ALL FREE!

Scenario #2:
Buy 3 Febreze Air Effects @ $3/ea = $9
Buy 3 Febreze Fabric Refreshers @ $5/ea = $15
Buy 1 Febreze Noticeables Kit $6.50
=$30.50
-Use (3) Buy one Febreze Fabric Refresher get Febreze Air Effects FREE coupon from the 7/5 PG (will take off $9)
Use 1 $4 Noticeables MFQ from the 7/5PG
=$17.50 OOP, get back $15 ECB
= Final cost ONLY $.35 per item!

Buy 2 Olay Body Wash @ $6/ea, get $5 ECB (Limit 1)
-Use (2) $2 MFQ from the 7/5 PG
=$1.50 each

Buy P&G Shampoo or Conditioners $4.99, get $2 ECB (limit 3)
Deal Scenario:
Buy 2 Head & Shoulders Shampoo or Conditioners
-Use the buy one get one free coupon from the 7/5 PG
=$4.99 OOP, Get back $4 ECB
=Final cost $.49 each

Buy Colgate Total Advanced (4 oz) or Sensitive (6 oz)toothpaste $3.49, get $2 ECB (Limit 1)
-Use the $1 MFQ from the 6/28 SS
-Or the $1 MFQ HERE
=$.49

Gillette Venus Embrace or Spa Breeze Razor $8.99, get $2 ECB (Limit 1)
-Use the $3 MFQ from the 6/28 PG
=$3.99

Caliber or CVS Transparent or Invisible Tape $1.49, get $1.49 ECB (Limit 3)
= Final cost FREE!
This deal is valid Sunday & Monday ONLY!

Caliber or CVS Pencils (20 pk) or Pencil Sharpener $.99, get $.99 ECB (Limit 3)
=Final cost FREE!

CVS Brand Pantiliners (22 ct) $.89, get $.89 ECB (Limit 1)
=Final cost FREE!

AccuChek Monitor $9.99, get $5 ECB (Limit 1)
$4.99 rebate in box
=Final cost FREE!

Bayer Breeze2 Glucose Meter $19.99, get $5 ECB (Limit 2)
(This is a monthly deal)
-Use the $30 coupon from the 10/26 or 2/01 RP or 3/22 SS
The coupon will have to be adjusted down
=Final cost FREE + a $5 moneymaker!

Bayer Contour Meter $19.99, get $5 ECB (limit 2)
This is also a monthly deal
Use the $30 coupon from the 10/26 or 2/1 RP or the 3/22 SS
The coupon will have to be adjusted down
=Final cost FREE + a $5 moneymaker!

Folgers Classic or Decaf Coffee (11.3 oz) $3
-Use the $1 MFQ from the 6/7 PG
=$2.00

Chex Mix (5.5-8.75 oz) $1.50
-Use the .50 MFQ HERE
-Or the $1/2 MFQ from the 6/7 SS
=$1.00

Lay’s chips - Buy one at $3.99 get one free
-Use the $1/2 MFQ from All You Magazine
=$1.49 each

Schick Quattro Titanium Men’s razor or cartridges (4 ct) Buy one get one free
-Use (2) $4 MFQ from the 6/14 SS
=Final cost varies

Osteo Bi-flex - Buy one at $15.99 get one free
-Use (2) $6 coupons from the 6/7 or 6/28 RP
=$1.99 each

Thanks, Hip2Save

Walgreens Deals 7/5-7/11

Buy $10 worth of CoverGirl Make Up, get $3 RR

Buy $10 worth of participating dental products $2.50 each=$3RR
Deal Scenario:
Buy 4 Oral B toothbrushes for $10 total
-Use 4 $1 MFQ from the 7/5 PG
=$6.00 OOP, Get back a $3RR
Final cost $.75 per toothbrush

Buy 3 Reach Ultraclean Toothbrush, Reach Ultraclean Floss or Listerine products priced at $3 each, get $3 RR(on 3)
Mix and match whatever 3 Listerine/Reach products you like
Use 3 $2 MFQ from Coupons.com
(Use zip 90210 if you don't see the $2 coupons)
Final cost for all 3 products = FREE!

Buy 2 participating Dove Body Mists, get $2 RR
Deal Scenario:
Buy 2 Dove Travel Size deodorants - $.99 each
Buy 2 Dove Body Mists - $4.49 each
=$10.96
-Use (2) Buy 1 Dove deodorant get 1 Dove Body Mist free MFQ from the 6/28 RP
-AND Use (2) $1 MFQ for deodorant or body mist from the 6/28 RP
=FREE + $2 Profit!
(*Note: You might have to have a filler item to account for the -$.02)

Buy $10 worth of Keebler products=$5RR
Deal Scenario:
Buy 4 Keebler Fudge Stripe cookies (11.5 oz) $2.50 each
=$10.00
-Use (2) $1/2 MFQ HERE
=$8.00 OOP, Get back a $5 RR
Final cost $3 total, just $.75 each!

Starbucks Ice Cream - Buy one at $4.79 get one free
-Use (2) $2 MFQ from the 6/21 SS
-OR (2) $1 MFQ HERE
=As low as $.39 each

Ben & Jerry's Ice Cream - Buy one at $4.79 get one free
-Use the $1/2 coupon from the 6/28 RP
=$1.90 each

Nestle Water 24 pk $3.99 with in ad coupon
-Use the $1 MFQ HERE
Final cost $2.99!

Buy Playtex Sport Tampons (36 pk) at $8.49, get a FREE pack of Playtex Gentle Glide Tampons (18 ct) $4.99 value
-Use (2) $1 MFQ from the 6/7 SS
=$6.49, just $3.24 per pack

Osteo Bi-Flex - Buy one at $15.99 get one free
-Use (2) $6 MFQ from the 6/7 RP
=$1.99 each

Thanks, Hip2Save

SAVING THE MONEY YOU SAVE – THE BONUS ANNUITY (PART 2)

In last week's article, I introduced you to the bonus annuity (along with a few important disclaimers). This week, I would like to illustrate in a little more detail how the bonus annuity works, and how it might be a great tool to start your savings.

Let's continue with the example from last week. Let's say you want to save $100 a month for the next five years. That's $6,000 of savings ($100 x 60 months). If you put that money into traditional savings account at 3% (a very generous rate in today's market), your account would be worth about $6,481 after 60 months.

Now, let's take the same amount of money and contribute it to a bonus annuity. Let's assume that the bonus annuity is paying 3% interest on the account (an average rate among today's annuities), and is also paying a 7.5% bonus on each monthly contribution you make. In effect, for each $100 you put in, the company credits $107.50 to your account ($100 + $7.50 bonus). Using these assumptions, at the end of 60 months, your account balance would be around $6,967. That's almost $500 more than the savings account. Think of it as though the insurance company made an extra month's deposit for you for each year.

There's another advantage to a bonus annuity that makes your money work even harder. The interest earnings inside an annuity are tax-deferred, which means you don't pay income tax on the earnings until you withdraw the money. Let's assume you're in the 15% tax bracket. If you had used the savings account, you would have paid $72.12 in income taxes over the 5-year period. But by using the bonus annuity, that money stays in the account and earns interest tax-deferred. Although you'll eventually pay taxes on the earnings when you draw them out, you get to use Uncle Sam's money to make more money for yourself until then.

By now, you're probably asking yourself, “why would the insurance carrier give me bonus money?” That's a very important question; obviously there's something in it for them. The companies want to give you an incentive to do business with them and put money in your account. They invest your money and use the earnings to 1) pay your interest, 2) pay their expenses, and 3) make a profit. The more money you save, the more profit they make.

The longer the company can keep your account and invest for the long-term, the more money they make for you and for them. Therefore, most of these bonus annuity contracts have a period of time called a “surrender period” where you are penalized if you draw the money out early. That way, you are more likely to keep your account with them to avoid penalties. The surrender periods vary in length from just a few years to as long as 14-15 years. Usually, the penalty percentage is larger in the early years, and reduces each year until it reaches zero.

Surrender penalties sound a little scary, but there are several things working to your advantage that significantly reduces their impact. Next week, I'll tell you why it's not really a bad thing to make a long-term commitment to a bonus annuity, and how you can avoid the surrender penalties in most instances. As always, if you have any questions or have comments, please drop me an e-mail at david@davidwbarnett.com.

If you didn't catch Part 1 of 2, go HERE.

Also, if you attended my coupon class, I forgot to give you guys something. I have a coupon for a free ($95 value) Financial Session with my dad, David W Barnett. If you would like this coupon, shoot me an email. Go HERE for more information on the coupon.

Free Paper Plates at Albertsons

I got 100 free paper plates at Albertsons this week. This will certainly save time on clean up after a meal :)

Hefty Plates or Bowls, 20-50 ct - $1.00 each
-Use $0.50 MFQ from the 5/17 RP
= FREE

FREE Enfamil for Mothers

Get a FREE gift certificate to take to your baby doctor's office and receive an
Enfamil Lipil breastfeeding support kit.

FREE CHOCOLATE

Go HERE to get a coupon for a FREE Mars Chocolate Bar.

CVS 6/28-7/4 Deals

Buy 2 General Mills Cereal and Bars $3 each, get $2 ECB (limit 1)
-Use 2 $1 MFQ from HERE
=$1 per box

Buy 2 Colgate Toothpaste and Toothbrushes $2.50 each, get $2 ECB (limit 4)
-Use (2) $1 MFQ from the 6/7 SS or HERE
=$.50 each

Buy 2 Coppertone Sun Care products, get $8 ECB (limit 1)
Purchase 2 Coppertone Ultra Guard Continuous Spray with a bonus trial of Coppertone NutraShield attached to it priced at $8.99 each
-Use (2) $5 NutraShield MFQ from HERE
=FREE after ECB

Buy Band-Aid Brand Bandages or Neosporin, get $1 ECB (limit 5)
-Use the $1 Band-Aid MFQ from the 4/26 RP
=Cost Varies

Buy 2 Adult Sunglasses, get $10 ECB (limit 1)
Prices starting at $5.99
=Final cost as low as $1.98 for 2

Walgreens 6/28-7/4

Before the new ad comes out, here's some deals you could take advantage of:

Buy $15 in select Nabisco products, get $3 RR or Buy $20, get $5 RR
-Use $1.50/2 Mac & Cheese MFQ HERE
-Use $1 Miracle Whip MFQ from the 6/14 SS
Get back a $5RR
=Cost Varies

Aquafresh Toothpaste (6.4 oz) $1.99, get $1 RR
-Use the $.75 coupon from the 6/21 SS
=$.24

Buy 2 Colgate Total Toothpastes (4.2 oz) $2.50 each, get $2 RR
-Use (2) $1 coupons from the 6/7 SS
=$.50 each

Buy 2 Listerine Fresh Burst, Vanilla Mint, Original or Whitening $9 each, get $3 RR
-Use (2) $2 Listerine MFQ from Coupons.com
=$1 each

Right Guard or Dry Idea Deodorant $2.99, get $2 RR
-Use the $2 Dry Idea MFQ from Coupons.com
=As low as FREE + a $1 moneymaker!

Roots of Nature Strengthening Oil Moisturizer $6.99, get $5 RR
-Use the $1 MFQ from HERE
=$.99

Buy 2 Maalox (12 oz) liquid or (90 ct) tablets $4.99 each, get $5 RR
-Use the $3/2 MFQ from the 6/14 SS
=$.99 each

Buy 4 Pepsi product 12-packs 4/$12, get an additional 12 pack FREE with in ad coupon
Final cost $2.40 per 12 pack

Select Kellogg's Cereals $1.99
-Use the $1 MFQ from the 6/7 SS
=$.99/each

Campbell's Soup 2 for $1 with in ad coupon
Use the $1/2 MFQ from HERE
=TWO FOR FREE

Pringles $.99 per can
-Use the $1/2 coupon from the 5/17PG (exp. 6/30)
-Or use the $1 MFQ from P&G Savings Booklet
=As low as free – $.49

Got2Be Styling Products buy one at $5.99 get one free
-Use (2) $2 MFQ from HERE
=$1 each

One A Day Vitamins 33% off
-Use the $4/2 coupon from the 6/14SS
=Cost Varies

Buy Purex Complete 3 in 1 buy one at $8.99 get one free
-Use (2) $2 coupons from the 6/14 SS
=$2.50 each

50 FREE Prints at CVS

Get 50 Free Prints when you sign up for the CVS photo center.


This is the time for EVENTS - weddings, graduations, etc. This is an EASY, FREE way to get some pictures printed.

Just click on the banner to get started!!

Coupon Class 7/2/09 - Special Update

I'm super excited about this coupon class. I have tons of information to share :)

Go HERE for more information.

Hope to see you there!

Here's a little edition to the class tomorrow:
It seems almost the perfect idea! You will be saving money by couponing, so now what do you do with it? Every attendee will receive a coupon for a FREE Financial Session with my dad, David W Barnett. (A $95 value) Here is some information about the session:

The Gold Program includes a 90-minute Life-Coaching Session in a small group setting that covers the basic issues involved in and need for financial and estate planning, and a one-hour private consultation with David W Barnett. The private consultation will give you the opportunity to discuss specific aspects of your current financial and estate position. At the request of me: PICK HIS BRAIN!!

Most people never have the opportunity or the funds to meet with a financial advisor. This is a great opportunity to take advantage of, just to sit down, talk and learn. Ask any questions you want. Young people - ask about buying a house, buying a car, investments you can start at a young age, saving for your kids' college, saving for retirement, etc. It's never too early to start thinking about your future!

If you don't want to use this coupon, give it to a friend. It is absolutely free, no sales pitch. Take an hour out of your day to get your questions answered!