Bed Bath and Going Beyond Coupons

You’ve probably gotten that all too familiar bright bluish coupon in the mail, encouraging you to come save 20% off one item by a certain date. Then if you’re too late, it drops to 10%. Turns out, that coupon business doesn’t seem to be doing the retailer many favors to its bottom line.

Money Tip Monday: Get $15 Off Your First Shipt Order

Do you ever find yourself having spent too much time at the grocery store?  Bobbing and weaving among the other customers, wondering if you really should have gotten that impulse buy, and then realizing you forgot about five things on your list?  The grocery delivery service Shipt has been helping to ease some grocery shopper angst, by having others do the shopping for them.  If you’ve been on the side lines waiting to try it out, Shipt has a great offer going on right now, where you can get your first two weeks free, and $15 off your first order.  If you’re a Bank of America customer, you might be in for even more savings!

How Your Purchases Can Affect Your Future - New Podcast

podcast Are you intimidated by your 401(k)?  Have you ever wondered about how that impulse buy might be affecting your budget or financial future?  Our latest podcast episode of The Script-Notes Show highlights just that.  Make sure to listen and subscribe in your favorite podcast app so you don't miss out!


Money Tip Monday: How To Save at the Grocery Store

grocery store The grocery store can always be one of the largest pain points of any budget.  Sure, you think to yourself, “I wrote a list, and I’m sticking to it!”  Inevitably though, grocers often get the leg up on consumers with enticing deals and offers that you weren’t planning on spending money on.  However, with a little forethought and planning, you can still come in under budget the next time you run out for “just a bag of chips.”

While we’ve written before about saving time, money and patience at the grocery store as well as more ways to save on food – sometimes it can help hearing from fellow consumers on how they save money when going grocery shopping as well.

Recently Dave Ramsey’s team collected responses from their Facebook page on how to save money at the store, so we wanted to share these with the hopes that they could help you too!

1. Crunch some numbers while you shop.

“Stick to your list and use a calculator as you shop to stay under budget. We’re under $50 a week for our family (two adults and a toddler). No junk food either. It’s doable!” — Amanda N.

2. Get creative with the food you have on hand.

“Don’t feel like you need to buy something just because you’re out of it. Raid your pantry and fridge for substitutes first. Make your meal plans around what you already have.” — Carla A.

3. Start freezing and storing meals now.

“Cook big meals and divide leftovers into portions and freeze them. Freeze as much as you can from your shopping. Nothing beats already having it.” — Anthony R.

4. Round up your grocery store cost estimates.

“I use tally marks to keep track of what I’m spending, and I always round up every item. Even if the item is $1.29, it gets two tally marks. That way, by the time I check out, I’m both aware of approximately what to expect and surprised to still be under what I wanted to spend.” — Jilian H.

5. Use the envelope system.

“Use the envelope system and put unnecessary items at the end of the counter. I would tell the cashier I only had a certain amount of money to spend and to stop when I got to that point. Instead of it being an embarrassment, it was a bonding moment for me and the cashier when I made my goal, or even if it didn’t work out.” — Jan B.

6. Don’t allow for budget-breaking surprises.

“Our grocery store offers ‘scan it.’ You can walk around with a scanner and scan your items as you shop. It keeps a total for you so you’re never surprised at the register—and you can decide if you really need certain things.” — Jamie M.

7. Stick to a meal plan.

“Meal plan ahead of time with your favorite store’s ad in hand. Buy larger quantities of what’s on sale and freeze it. Stick to your list. And never grocery shop hungry!” — Nikki G.

8. Don’t buy more than you need.

“Just because something is marked two for $5, four for $10, etc., doesn’t mean you have to buy that many items. You get the same discounted price if you buy just one.” — Stacy H.

9. Test out your green thumb.

“Try growing a garden. There’s an initial investment, but it pays off in terms of produce for the year.” — Ash B.

10. Shop online and pick up at the store.

“My wife makes a list and then orders all the groceries online. We pull up at the store and they bring them out to the car and help load them in. It is convenient, saves time, and there is no impulse buying inside the store while walking around with the kids.” — Matthew G.

11. Try going meatless for a meal.

“We do a meatless meal one to two times a week. We budget $500 for a family of five. Sometimes it’s too much, sometimes it’s the perfect amount. If we don’t spend it, we put it toward our debt snowball.” — Holly M.

12. Eat leftovers for lunch.

“We almost always have a nice dinner every night and are really good about taking the leftovers for lunch. I think it’s important to have a family dinner every night. Yes, sometimes we go cheap. But no matter what you cook, if you consistently eat at home, it’s way cheaper than going out all the time.” — Cindy N.

13. Buy generic.

“We shop at a great grocery store known for their low prices, and most stuff we buy is generic. We no longer buy desserts or junk food, which cut probably $200 from our budget.” — Erin A.

14. Only buy meat when it’s on sale.

“Choose different cuts of meat. For example, we love boneless skinless chicken thighs, and they are so much cheaper than chicken breasts. They taste better too.” — Colleen M.

15. Leave the over-spenders at home.

“My #1 [grocery store hack] is banning my husband from going to the grocery store! We saved at least $300 a month by him not going.” — Melissa W.

Granted a lot of the above tips may SEEM like common sense.  However, sometimes those can be the best advice as well!

Swap Your Toys R Us Gift Cards at Bed, Bath & Beyond


Toys R Us gift card holders can exchange them for a reduced Bed Bath & Beyond or buybuy BABY eGift cards. But shoppers needs to act fast.

Time To Act Now on Toys R Us Gift Cards

If you've been hanging onto any remaining Toys R Us gift cards, you may want to act soon.  The going out of business retail chain is planning on only honoring gift cards through April 13th, according to USA Today.

"Use those gift cards ASAP," the Better Business Bureau said on its website in advice for customers of bankrupt companies. "Businesses that have entered into the liquidation process will not be around for very long and BBB advises consumers who are holding gift cards spend them as soon as possible or risk getting stuck with a worthless piece of plastic."

However, if you don't anticipate being able to use any remaining cards, retailer Bed, Bath and Beyond is coming to the rescue, teaming up with CardCash to buy any unwanted cards.


  • Thursday April 5, 2018 at 11:59pm EST is the last day they’ll buy your unwanted Toys R Us gift cards.
  • The minimum value has to be $20.00, although partially used or uneven balances will be accepted.
  • They’re only offering a payout rate of 64.2%.

A payout rate like the above would normally be terrible.  But given the forthcoming demise of the toy giant, this may be a good time to cut your losses.

Here's a little nostalgia for 'ol time's sake:

H/T: Frequent Miler

How To Get 12% Cash Back with Ebates Today Only

Ebates Today only, popular cash back site, Ebates, is offering up to 12% cash back at numerous retailers, including Macy's.  For those unfamiliar, Ebates is a great way to save and get cash back at retailers that you already normally shop at.  For more on how Ebates works, check out the video below:

If you're new to Ebates, consider signing up with our link to support the site, and as always, make sure to check sites like first to make sure you're getting the best deal!


Review: Shipt and Meijer - Bringing Your Groceries Home

Shipt There is no doubt that one of the biggest impacts on a family's budget is that of the grocery store.  Depending on what time of day you go, and your patience level, it could also impact your "mental" budget as it were.  We first wrote about the home grocery delivery service, Shipt, back in March, and their partnership with Meijer.  While Shipt originally got its start in 2014, launching in Birmingham, AL, the company has continued to grow and expand partnerships, such as that with Meijer.

Growing up in the Midwest, Meijer was, and has been a pretty household name when it comes to picking up your daily household necessities.  Over time though, customers increasingly busy lives have led to companies like HelloFresh, Blue Apron, and now Shipt realizing that they could provide that convenience of picking up food for customers, while saving them time in the process.  We were recently able to take advantage of a promotion that Shipt was running over the Memorial Day holiday, and thought we would give it a try. Read below the jump for our review.

What is Shipt?

From the company's "About" page:

Founded on the mission of simplifying lives, Shipt serves members, shoppers, and communities by offering convenience and freedom.

Through a user-friendly app and a local network of reliable shoppers, Shipt connects members to fresh groceries and everyday essentials. Saving time, fuel and headspace, next-hour, same day grocery delivery is quickly becoming an everyday necessity for people looking for an extra few hours and intentional food choices.

Now in over 50 cities and counting, Shipt works with vetted shoppers who are able to set their own schedules and are constantly aiming to improve member experiences through a newly developed rating system. By partnering with retailers in each city, shoppers are able to move efficiently through stores. Befriending store employees and fellow shoppers has been an organic product of the process!

A Shipt Second Saved, is a Shipt Penny...Earned?

Okay, now that you're a little more familiar with them, onto our review.  As the above suggests, you can peruse your store's inventory via either the app, or as well as on their website.  You do have to purchase the membership though to take part, and your order needs to be at least $35 to get free delivery - which anymore with the price of some groceries - shouldn't be difficult at all to hit.

The day we decided to try it, it was quite nice as my wife and I were able to "co-add" things to our list throughout the day.  Once you think you have everything, you pick a payment method, the time frame you would like to have your groceries delivered (usually at least an hour or so from when you place your order), and then you play the waiting game!

Our experience was great.  Once our time frame came up, we received a text from our shopper letting us know he was starting to grab our items.  They also sent us a text when an item we wanted wasn't available and wanted to know if we still wanted it, or wanted a substitution.  Once they were done, we received a notification that our order was complete, along with the final total (sometimes Shipt may bill your card with a hold for more than your order, just in case of substitutions, etc).  They then let us know they were on their way, but also if we wanted anything else, to let them know too.

Our shopper was very polite and friendly, and explained that they try to shop for their customers like they would for their own family.  You could tell, as any produce we selected, was in great shape, and perfectly sized.

However, convenience does come with a price.  As you're going through items, you will notice that many may have a higher price tag than what you're used to in the store, presumably to help the company with some of their overhead.  As they mention above though, frequently customers don't mind paying that little extra for the convenience added.  Our shopper did say that while you currently can't use mPerks on your order, they are looking into their own loyalty program for the future.  They also offer frequent deals where some items will actually be on sale, or you can save money by purchasing from a specific group of items.

Shipt Summer Roll Out

All in all, our experience was very enjoyable, and we did appreciate the convenience.  In the future, we may check to see if mPerks are first available for any of the items we might need, or if say most of them could be obtained from Aldi.  The temptation though of not having to deal with the masses at the store might just be too great though.

While the company has mainly started roll-out of its services in Michigan, expect to see more availability in the Midwest below this month!




That said, if you haven't had a chance to sign up yet, if you use our referral link, we'll both get $10 in free groceries, which can help offset that initial sign up cost a bit.  Thank you in advance if you should decide to do so!  Certainly if you have any more questions, or would like to know more, feel free to leave a comment below!

Memorial Day Shopping Savings at Target

Target At Script-Notes, we're all about saving you time, and money, so today we're going to do both and save you the time of having to go through your Sunday flyers before heading out to the store.  Target is out with some great Memorial Day weekend deals, and below are some of the best, so make sure to check them out, before you head out!  Just a reminder too that if you're planning on shopping online instead, Target has raised the free shipping threshold from $25 to $35 as of May 7th.

Featured clothing offers include BOGO 50% off women's, junior's & plus dresses from 5/28-6/3, plus on May 28th & 29th, you will be able to save 20% off clothing, shoes & accessories with promo code MEMDAY at checkout!

If you're in need of some new furniture for your household, also on May 28th & 29th, you will be able to save up to 30% off furniture + extra 15% off with promo code HERO at checkout.

Also, just in time for summer fun, you can receive a free $25 GiftCard when you spend $100 on Toys, Games, or Sporting Goods (25% back!), or a free $10 GiftCard when you spend $50 on Toys, Games, or Sporting Goods from May 28th - June 3rd.

For additional savings, don't forget about your Target debit or credit card to knock an additional 5% off (if you don't have one, see here for details - it's honestly one of the best deals around for a debit card, especially if you shop Target frequently). is also currently offering discounted Target gift cards for an additional 4% savings, and then don't forget to check out Target's Cartwheel app if you have a smartphone for even more savings!

Attention Target Shoppers - Say Hello to Cloud Island!

Cloud Island I know before we had our little one last year, we were overwhelmed with all of the possible options for how to decorate the nursery.  Well, if you have a little one on the way, or are looking for some good ideas for your upcoming baby shower registry, starting today, Target is launching a new brand - Cloud Island.

This new brand features 3 different themes that include everything from nursery décor and bedding, to bath and layette products!  There are nearly 500 products that make up the new Cloud Island collection, meaning readers have the opportunity to mix & match patterns and accessories to create their own unique nursery theme.

Check out the below images to see more of the collection:

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