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Thrifty Thursday!
I’m starting a new series where I share my thrift shop treasures with you. I’m going to give myself a $5 limit. The items will be listed and underneath I’ll post the price. I think it will be a fun way to spend a little money and give my kids something new. I’m not spending a lot of money because we are trying to save. This idea is coming from Homestead Tessie over on Youtube. She picks out the…
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Thrifty Thursday!
I’m starting a new series where I share my thrift shop treasures with you. I’m going to give myself a $5 limit. The items will be listed and underneath I’ll post the price. I think it will be a fun way to spend a little money and give my kids something new. I’m not spending a lot of money because we are trying to save. This idea is coming from Homestead Tessie over on Youtube. She picks out the…
View On WordPress
I do this all the time especially when it's an impulse buy. 95% of the time it causes me to not buy said item because the impulse goes away when looking at it in terms of total cost divided by hourly waged. #Frugality #FrugalLiving #FrugalSpending #Spending #Money #MoneyManagement #Dinero #Cashola #Debt #DebtFree #DebtFreeby50 #FinancialFreedom #FinancialHealth #Finances #Hardwork #HardWorkPaysOff #RollingUpYourSleeves #GettingYourHandsDirty #LeadByExample #Motivation #Success #Failure #Resilience #SiscoVanilla #SiscoVanillaIsStepping #SiscoVanillaHitsTheBricks #Repost @businessmentorship • • • • • • Double Tap for More ❤ - Be wise. Save more by cutting out unimportant expenses. - 👉Follow @businessmentorship for more! https://www.instagram.com/p/B3gkAlNlQKN/?igshid=g90dz94vqrk7
WHAT’S IN A LOYALTY PROGRAMME AND ARE THEY ALL CREATED EQUAL?
Is your wallet getting bigger and heavier, but not from your bank balance? Are you being weighed down from all the cards in your wallet? According to a recent survey, the average South African participates in 13 loyalty programmes.
These days it seems like every business offers some sort of ‘loyalty programme’. Between all the points, cards and redemptions, its so difficult to understand what you are actually getting and trying to figure out which ones offer you the most benefit is like comparing apples with umbrellas.
Luckily to get the maximum benefit for you (and help you save some money in the process) many of these schemes can be used together to get the most bang for your buck. Here is a brief rundown of the most popular programmes to help you get the best deal.
Loyalty schemes can largely be divided into 2 categories: Retailer specific reward programmes and Customer ‘Clubs’.
RETAILER SPECIFIC REWARD PROGRAMMES:
PICK n PAY SMART SHOPPER PROGRAMME
One of the country’s largest retailer specific loyalty programmes with over 8 million card holders. Shoppers accumulate points based on the amount spent and can be redeemed as cash, discounts on travel or charitable donations. You need to spend R100 to get R1 back in rewards.
PRO’S: There are many Pick n Pay and affiliated stores across the country so it won’t be hard to find a convenient location to redeem your rewards.
CON’S: Your cash back redemption doesn’t happen automatically. You must visit a kiosk to switch your points to cash, travel or charity redemption. You must then physically hand a paper voucher to the cashier. Let’s hope you don’t accidentally forget to hand it over or you may lose your reward.
Get more info here: http://bit.ly/1mO3OCh
SHOPRITE/CHECKERS EEZICOUPONS
Shoppers can get instant shopping discounts via their phone (think of electronic coupons sitting in your phone). If you want to use one of the coupons, you request a 6 digit code on your mobile and then you give it to the teller for instant savings.
PRO’S: No paper to be lost or forgotten. You can access the ‘coupons’ on the web, your smartphone or via USSD.
CON’S: If you don’t happen to buy any of the featured products on the site, then you don’t receive any discounts.
Get more info here: http://bit.ly/1IXHjQ6
CLICKS CLUBCARD:
A very popular cash back rewards programme with over 5 million card holders where every R50 spent earns you R1 back.
PRO’S: All points are accumulated on the card automatically so no need to check till slips or the number of points that you have. When you’ve accumulated enough points (ie spent enough) the cashier will ask you if you would like to redeem your cash reward. Also affiliated partners also allow you to accumulate points based on your spend to help you rack up the rewards.
CON’S: You must carry your Clubcard with you to get rewards. If you forget your card at home you can accumulate the points at a later date but it’s a bit of a mission. Best to keep the card with you.
Get more info here: http://bit.ly/1JCfXDK
DIS-CHEM LOYALTY BENEFITS PROGRAMME:
You’ll receive discounts on featured products when you present your Dis-Chem benefits loyalty card at the till.
PRO’S: Get additional discounts over and above the shelf price with Dis-Chem partners including selected medical aid programmes and bank loyalty programmes.
CON’S: No reward based on the amount you spend. You will only receive benefits (ie. 10% off) selected products and you must purchase these to receive the discount.
Get more info here: http://bit.ly/1l6UomL
WOOLWORTHS WREWARDS
Tiered exclusive discounts for card holders based on the amount you spend annually. For example, VIP status (greater than R2500 per month) provides customer centric rewards including 25% off any purchase the month of your birthday and exclusive access to sales prior to the general public.
PRO’S: No points. Move tier status based on all that you buy in the store (not limited to food items)
Get more info here: http://bit.ly/1Qdph4c
CUSTOMER ‘CLUBS’
Membership offers a range of benefits not linked to a specific retailer.
BANK LOYALTY PROGRAMMES
Most of the banks in South Africa offer a range of benefits when you open an account. The rewards vary based on the amount you transact and their affiliated partners.
ABSA Rewards – get cash back from ABSA affiliated partners
Standard Bank U Count – receive cash back on grocery and fuel purchases
FNB eBucks- earn eBucks (points) for all purchases that can be redeemed at affiliated partners
MEDICAL AID SCHEMES
Many of the most popular medical aid schemes offer member benefits often linked to ‘healthy’ life habits such as buying healthy food or getting active.
The 2 biggest, Discovery Vitality and Momentum Multiply offer members benefits such as cash back on healthy food, fuel purchases and gym memberships.
SO, WHAT’S THE BEST WAY TO SAVE USING THESE REWARDS?
In theory if you plan ahead and apply multiple programmes to your shopping, you can save a bundle. If you shop at specific retailers, use their loyalty schemes, add in your bank’s reward system and sign up to your medical aid cashback programme you will get loads of bang out of your bucks.
Finally, before your make your purchases, check SNAPnSAVE for savings over and above all the other programmes and you could potentially get a load of cash back. Now, all you need to do is figure out what you’re going to spend all that extra cash on…
