This isn't extreme couponing. This is strategic spending. Here's my system.
Step 1: Digital coupons (10 min/week)
- Kroger app — load digital coupons every Wednesday when they reset
- H-E-B app — check weekly deals tab
- Target Circle — stack manufacturer coupons with store coupons
Step 2: Cash back apps (passive)
- Ibotta — scan receipts after shopping. I average $15-20/month.
- Fetch Rewards — scan any receipt for points. Lower payout but it's free money.
- Source: ibotta.com, fetchrewards.com
Step 3: Store-specific hacks
- Kroger: Buy gift cards during 4x fuel points promos. $0.40-1.00 off per gallon.
- H-E-B: Combo Locos are the best in-store deals. Changes weekly.
- Aldi: No coupons but already cheapest. Buy their brand on everything.
- Costco: Executive membership 2% back pays for the membership if you spend $250+/month.
Step 4: Timing
- Meat markdowns: Kroger marks down meat at 8am. H-E-B varies by location.
- Bakery markdowns: Evening, usually after 7pm at both Kroger and H-E-B.
My monthly breakdown:
- Grocery budget: $400 for 2 people
- Coupons/digital deals saved: ~$80
- Cash back apps: ~$20
- Fuel points savings: ~$30
- Markdown purchases: ~$40
- Total saved: ~$170-220/month
Sources:
- Kroger, H-E-B, Target apps
- Ibotta and Fetch Rewards platforms
- Personal tracking (Google Sheets)
What's your savings strategy?