2014 Coupon Insert schedule

Coupon insert schedule for 2014:
(Thanks Sherry L for messaging me)

Red Plum:
January 11 (Brandsaver this week as well!)
February 1
March 8
April 5
May 3
June 7
July 5
August 9
September 6
October 4
November 15

Smart Source:
January 4 (PREVIEW)
February 8
March 1
March 29 (preview)
April 5, 2014
April 12, 2014
May 17, 2014

June 7, 2014
June 21, 2014

July 26, 2014
August 23, 2014
September 13, 2014
October 4, 2014
November 1, 2014
December 6, 2014

Canadian Tire – Coupon Policy

I email each retailer from time to time, and this is the response from Canadian Tire as per their Coupon Policy.
There is no corporate policy surrounding the acceptance or the use of manufacturer’s coupons.
Canadian Tire stores are individually owned and operated.
Should a manufacturer’s coupon be presented at the time of purchase,it is up to the discretion of the store to accept the coupon.
Canadian Tire Corporation can not mandate a store to accept a coupon — it is a store decision, not a Corporation direction.”
We sincerely apologize for any inconvenience this may cause and we thank you for providing us with the opportunity to respond.~~~~~~~~~~~~~~~~~~~~~
~ Ruth Ann

Pharmasave – Coupon Policy

Pharmasave Coupon Policy 

Definition of Terms 

% OFF Coupons: Coupons that offer a % off the retail price of a product.

Cash Discount Coupons: Coupons that offer a specific dollar amount off when you purchase a specified number of items or when your total purchase equals a specified amount. For example $1 OFF when you purchase 2 or Spend $50 and receive $5 OFF.

Coupon Stacking: using more than one coupon on a single item. Usually it is a store coupon along with a manufacturer’s coupon for the same item or using more than one internet coupon for the same item.

Double Coupons: Value of the coupon is doubled. For example a $1 OFF coupon will become $2 OFF.

Internet Coupons: A coupon that can be printed online.

Manufacturer Coupon: A coupon offered by the manufacturer of a product that can be used in any store where that product is sold.

Mobile Coupons: Coupons presented on handheld mobile devices or smart phones (iPhones, Blackberries,

Pharmasave or in-store coupon: A coupon published by Pharmasave that can only be used in a
Pharmasave store.

Coupon Policy 

1. We will redeem coupons only for the specific items included in our customer's purchase transaction. The redemption value will be as stated on the coupon, unless that value yields a final price for such item less than zero; if application of the redemption value yields a price less than zero, the coupon will be redeemed only for the amount that yields a zero price (our customer cannot net a cash credit or payout from a coupon purchase).
2. Paper coupons must be presented at the time of the purchase transaction. We will accept only coupons issued by Pharmasave or the manufacturer of the relevant product. We will not accept photocopies of coupons.
3. Coupons are subject to advertised offer limitations and all other limitations and restrictions on the applicable coupon or product.
4. Coupons may not be applied against any free item received in any offer.
5. Coupons have no cash value.
6. Cash discount coupons (excluding manufacturers’ coupons) applied to the total purchase cannot be combined with any other discount offer, including but not limited to promotions such as Seniors Day.
7. Pharmasave will not accept manufacturer coupons (including, but not limited to, coupons issued through an in-store coupon dispenser) that display another retailer's logo or name.
8. We will not accept coupons unless they have an expiration date. Expired coupons will not be
9. We will not accept coupons that, in the determination of Pharmasave personnel, appear distorted or blurry or are altered in any way.
10. Sales taxes will be applied in accordance with the law of the applicable province, regardless of any coupon or other discount that may apply to the purchase transaction. For reimbursable coupons, taxes will be applied prior to the coupon discount. For non-reimbursable coupons, taxes will be applied after the coupon discount. Refer to Coupons, Discounts & No Charge Product Consumer Tax Implications information.
11. All applicable bottle or packaging deposits and enviro levies on the purchased and free items must be paid by the customer.
12. Pharmasave reserves the right to refuse any coupons at its discretion and/or limit the number of
coupons redeemed in any one transaction.
13. Purchase amount will not include purchases of: cigarettes or tobacco, gifts with purchase, gift
certificates or cards, phone cards, lottery tickets, products purchased in the post office, stamps, transit tickets/passes, delivery charges, event tickets, bottle deposits/returns, charitable donations, products containing codeine or single entity pseudoephedrine, prescriptions filled and pharmacy services, sales taxes and any other items specified as exclusions from time to time or where prohibited by law.
14. We accept internet printed coupons. The same manufacturer and store coupon rules above apply to all internet printed coupons.
15. Internet printed coupons must have serial numbers and must follow an industry-standard format.
16. Manufacturer internet printed coupons must clearly indicate that they are a manufacturer coupon and must have a Canadian redemption or clearing house address on the printed coupon.
17. Pharmasave does not yet have the ability to accept mobile coupons presented on handheld mobile
devices or smart phones (iPhones, Blackberries, etc.)
18. Pharmasave does not allow doubling of coupons unless advertised at participating locations.
19. More than one coupon may be accepted for an item as long as it is both a manufacturer coupon and an in-store coupon; however the combined value cannot exceed the retail price. We cannot accept two manufacturers or two store coupons on the same item.

Pharmasave reserves the right to change this policy at any time. All coupon redemption terms are subject to the terms of the policy in effect at time of redemption. Policy changes may become effective without advance notice or advertisement.
As of January 4, 2013 

Co-Op Atlantic Coupon Policy

Our coupon policy consists of the following guidelines

Vendor Coupons
  • The item purchased must conform to the product details on the coupon including size, brand, quantity, co-purchased item etc.
  • Coupons must be claimed before the transaction is completed.
  • Only one coupon can be used against each item purchased.
  • The coupon cannot be redeemed against a free item.
  • Only original vendor coupons are accepted, no reproductions or photocopies.
  • There is no cash value for coupons, if a coupon amount exceeds the retail value of the product the additional amount can be used against the balance of the customers order.
  • Coupons must be within their expiration date and be valid for purchases in Canada.
  • No coupons or rebates required to be mailed in by the consumer will be accepted.
Internet Coupons
Internet Print at Home Coupons
  • Same guidelines as Vendor Coupon.
  • Must be legible.
  • Coupons must have a valid Manufacture or product name along with a remittance address within Canada.
  • No photocopies are accepted.
  • We do not accept free product internet coupons.
Competitors Coupons
  • Competitor's coupons are not accepted.
  • The store reserves the right to limit quantities to reasonable family limits.
  • This policy may change without notice at any time.
  • Coupons presented for tender will be reviewed to ensure they comply with vendor and store guidelines.
Please note this coupon policy is for our store and may not reflect the coupon policy of other Co-operative Retail Stores.
PLEASE contact your local store, as policies may very by location.
See more details or locations at: COOP Coupon Policy

Updated December 30, 2014 ~ Ruth Ann

Cash Back Apps: Snap

  Want to earn Cash Back on items you are purchasing? Use Snap after you've purchased featured products, then simply snap a photo of your receipt using the app. You can shop at any store in Canada and upload your receipt to earn. Any store includes your local general store, market or even the bulk stores like Costco. As long as the product matches, you can claim it!
  • Once your balance reaches $20.00 you can claim your cheque
  • Only one account per person.
Get the app here How it works:
  1. Buy products on the list from any store in Canada (including Costco)
  2. Snap a photo of your receipt (through the app)
  3. Snap $20 or more and they'll send you a cheque
Get SnapSaves for your phone, tablet or PC, CLICK HERE Here are just a few FAQ's from their site:

What does Snap by Groupon do?

SnapSaves provides you cash-back on everyday grocery products. Simply snap a photo of your receipt, with at least one of our offers on it, and you'll receive cash back. Upload $20 worth of savings and we'll mail you a cheque!

What devices can I use Snap by Groupon on?

SnapSaves Mobile can be used on a smartphone, tablet, or any desktop computer.

Can I redeem more than one offer on my receipt?

Yes! Snap a photo of your receipt and select all applicable offers you've purchased. Each receipt can be approved only once, however if the receipt was rejected, you can upload it again.

How often can I redeem each product?

Please refer to each featured product's terms and conditions.

When do offers expire?

Offers expire when a) the maximum number of redemptions have been reached or b) when the product program has concluded.

How many times can I submit a receipt?

Approved receipts can only be submitted once. If you receive an email requesting that you resubmit your receipt, you can do so.
Get the Snap by Groupon app today and start earning Cash Back, CLICK HERE

Cash Back Apps: Checkout 51

As a person always on the hunt for a deal, I am constantly looking for ways to save even MORE money on the products I buy everyday. Well, here is a fabulous way to do just that! Checkout 51 is a mobile app that helps you save money on the brands you love. 
Simply check each week for the new items featured for cash back offers, then follow the App instructions to claim your money back. The best part is, you can use coupons and other offers to purchase your items, and still get money back through Checkout 51's app. You need to be a member of Checkout 51 to claim offers. If you're not a member yet, get the app. The app is currently available to those with an iPhone or iPad, Andriod phone and PC.
Here's how it works:

Redeeming offers

  1. Buy any of the featured products from any store in Canada and keep the receipt
  2. Sign into the Checkout 51 app (available for iPhone, Android and PC)
  3. Tap "Upload Receipt" and follow simple instructions
  4. They'll send you a cheque in the mail once you reach $20 in savings and you request payout!
From their website:

Summary Guidelines

  • You need to be a member of Checkout 51 to claim offers. If you're not a member yet, get the app.
  • A quantity of one (1) of each offer is eligible for cash back per member.
  • Receipt photos must be clear and readable.
  • Each receipt can only be used once.
  • You can claim more than one product on a single receipt. You can submit multiple receipts for products bought at different times and/or at different stores.
  • Please read carefully - we can only give cash back for the exact product listed.
  • You are permitted to use Checkout 51 cash back offers with any other coupon or discount. (unless noted in the details of the cash back offer)
  • Offers only valid for purchases made in Canada between the dates specified.
  • You will be able to cash out when you have accumulated a $20 balance.
  • We reserve the right to remove members who do not comply with the spirit of these Guidelines.

DIY Flavoured Coffee Creamer

Make your flavoured coffee creamer with a few simple ingredients,  no preservatives,  and create you own flavour combinations.

Try this recipe for a Maple Vanilla Creamer...then experiment to create your own custom flavours. 

  • 1 cup Milk
  • 1 cup Heavy Cream or Sweetened Condensed Milk
  • 2 tbsp Maple Syrup
  • 1 tsp Vanilla extract
  1. Combine the milk, cream and maple syrup in a saucepan 
  2. Stir with wisk until blended and heated with steam coming off the mixture (do NOT boil).
  3. Remove from heat and stir in the vanilla extract
  4. Place in an airtight container or jar and let cool (Mason Jars work great)

Store the mixture in your refrigerator for up to 7 days. Add to your coffee as desired.

Experiment  with different sweeteners and spices to create your own custom blend. 

  • Nutmeg, cinnamon and vanilla
  • Mint extract and chocolate syrup
  • Peppermint extact and sweetner/sugar
  • Almond extract
  • Etc...
If you have any other flavour suggestions, be sure to share below in the comments. 

Ruth Ann Swansburg
the Moncton Coupon Lady
© 2013 The Moncton Coupon Lady
Putting Money In Your Pocket One Coupon At A Time!

Coupon Trading Etiquette

Coupon Trading Etiquette 
These steps were prepared by Josh, one of our wonderful Admins on the MCL Facebook page and Trades Group. Along with the tips below, be sure to be prompt with mailing out trades as well. (thanks Linda for adding this reminder!)
~ Ruth Ann
the Moncton Coupon Lady
Steps to a successful trade:
  1. When wanting to start a trade please bear in mind what the person has requested as method of contact. In other words, some people will ask you to Private Message (PM) them as they don’t get notifications. Failing to do so could result in you losing out on a trade.
  2. The person with whom you’re trading may have specific wants. Be sure to pay attention to their wishlist. They may have specific brands, size, or wording for the coupons they would like.
  3. Please try to be prompt. When a person sends you there wishlist please try to reply to them as soon as possible if you’re able to fulfill that request. Even if you’re unable to, please let the other person know, as someone else may be waiting to trade for that item. Most trading standards are set to a 24hr wait time for a reply.
  4. When doing a trade don’t entertain multiple offers, there’s nothing ruder than trying to work out a deal with someone just to have the other person say they traded with someone else. Use a first come first serve system.
  5. Once the trade has been arranged, let the other people waiting know that the item is no longer available. This gives the other person the chance to try to obtain the coupons from another source.
  6. Once you have received the other person’s envelope let them know, also add your name to the good trader list.
  7. Last but not least, if you have any issues with a trade please reach out to one of the admins, don’t air it out on the wall. It could be a simple misunderstanding and we don’t need the other person’s reputation soured if not needed. Any post of this nature will be removed .
 by Josh Goguen
© 2014 The Moncton Coupon Lady
Putting Money In Your Pocket One Coupon At A Time!

Saving on Coffee for your Keurig!

We have a Keurig brewing system, and I LOVE it....but it is definitely more expensive to brew single cups of coffee than to make a pot.
Here are some tips on how to save and not sacrifice your favourite flavours or freshness.

Shop Online:
Sign up for Ebates HERE
Search for Keurig Canada and earn 5% cash back from Ebates. (Currently double at 10% cash back!)
Sign up as a member on Keurig Canada to receive 10% off beverages (make sure you log into their site through Ebates to receive both discounts)

GET $10 OFF with every purchase of 4 boxes of 24 K-Cup packs® 
** PLUS, right now Keurig is offering $10 off when you buy 4 boxes of coffee & FREE SHIPPING. CLICK HERE to order!

This is a great way to pick the variety of coffee you would like to have. We used to buy variety boxes at Costco, but would end up with some coffees we did not like. With the offer above I ordered 96 K-Cups in the selection I wanted and knew we would use.

Buy loose coffee (either ground or beans) and fill your own basket or use the filters below!

1. Buy the Refillable Baskets:
    Brew and Save Refillable K Cup for Keurig Brewers, 2 Count
2. Use there coffee filters to put your own ground coffee in:
    Ekobrew Optional Coffee Paper Filter for Ekobrew Single Serve Filter, 300 Count

Hope you find these tips helpful. If you have any other tips Please Share below!

~ Ruth Ann

Printable Coupons….the controversy!

I have been receiving many emails lately regarding PDF or JPG coupons. People are asking if they can print them, why I don't have them in my "printables" list and why I don't post the freebies or great brags they are seeing on other pages.

The simple answer is, if it is not a coupon that is currently in circulation BY THE MANUFACTURER, then I do not promote using it. 

Saving Coupons as PDF files or JPG images on your computer:
There are still many manufacturers who are putting image files online as their coupons. If they go through a site like smartsource or websaver, these companies have features on their sites to limit the # of times we can print a coupon. When the files are released in a newsletter or on a website as a PDF or JPG, then they can be printed over and over.

In this case the only way it can be limited by the manufacturer (or so they think) is by displaying it for a limited amount of time, or distributing it to their mailing list.

Here's where the problem lies....the people printing (consumers, couponers, anyone and everyone) can save these files to their computer. Even when the manufacturer "removes" the coupon from their site, these coupons continue to circulate and people continue to print more copies of the coupons.
It may not seem like a big deal to print a few extra copies, but if everyone does, the manufacturer will have to refuse to reimburse them. That is when the retailers will stop accepting them, and we will not be able to use printables anywhere (in the future). 

Please understand this practice will ruin couponing in the long run. 

***Please DO NOT save coupons as PDFs/JPGs to reprint. ***

The companies do not intend for you to continue printing it once it is removed from their pages. 

If you ever receive an image file of a coupon by email from anyone, and not from the manufacturer directly, be aware it may be fraudulent. 
How to Spot a Fraudulent Coupon (CLICK HERE)

Always print the coupons from the manufacturer sites...if they are gone, they are gone for a reason. 

I only promote using coupons to help save money, not to be a hoarder or try to get everything on the shelf just because I have enough coupons and the item is free. I do not teach bending the rules, or reading into the wording what I want to see, so I can get more items free. We all know what companies intend with coupon campaigns...and they DO NOT intend for us to get everything free all the time. 

Yes, there are those few times when they release great coupons and with sales and other coupon combinations (BOGOs, HV, etc) we get items free...but it is not for us to get 100 packages of toilet tissue, or candles for every teacher at the school down the road! Remember to be reasonable, buy for yourself, and your family. If you volunteer shop and/or make donations, that is another reason to buy more, but certainly NO EXCUSE to abuse a coupon or offer available.

This article was prompted by emails I have been receiving. Thanks for reading and I hope it has helped you understand why some things you read on the internet should not be followed. (Just because someone else is doing it, it does not make it right)

~ Ruth Ann

© 2013 The Moncton Coupon Lady
Putting Money In Your Pocket One Coupon At A Time!