I don’t know about you, but there are a few convergences that occur in my life regularly. One of these phenomena is quickly approaching: the end of the month. It seems like there is so much to do, to wrap up before the next month begins, that I feel like I need a checklist to consult.
- Fuel Rewards
- Expiring Coupons
- Expiring Deals
- Quarterly Credit Card Shuffle
Every month, I like to earn at least one $25 gift card on Swagbucks because they are discounted 12-14% (just one per month). If I am close to that goal, I will start hitting it hard to get the rest of the way there so that I can get that discount before starting over again next month. This month, I needn’t worry because I already redeemed my $25 gift card at the beginning of the month, and I’m just waiting for the calendar to turn over so I can get next month’s discounted card. Check!
The other day at the grocery store, the cashier said, “You have 9 gas rewards and 4 of them are expiring in a few days.” I thought it was odd the way she said it. I had already been tracking my rewards, but I’m glad she would think to warn me so that I don’t let them go to waste. Safeway introduced grocery rewards recently, so there is another option, but of course, I have to make sure I’m getting my money’s worth. I’ve calculated that each reward is worth $1.70 to me since I can redeem 10 of them for $1.00 off 17 gallons of gas. Some of the grocery rewards are worth it, like $2.00 off in the bakery department (Saturday morning bagels), and some are not, like $3.00 off for two rewards. On Sunday, I ran the car out of gas and coasted into the Safeway gas station after purchasing $20 worth of groceries to earn my last reward. Check!
I keep all of my coupons in an index card case in my purse. A lot of manufacturer coupons expire at the end of the month. Now is the time to use them or lose them. I tend to over clip, so most of my coupons end up in the recycle bin rather than the store register, but that just means I’m not buying that product at this time. If I need it in the near future, or it is on sale somewhere, I can use the coupon now before it expires, or I miss the double savings opportunity.
Timesheets for my job are due at the beginning of the month, and since I need to mail them, it’s a good idea to start them before the month is over. This is just another necessary task to add to my end of the month to-do list.
Some stores time their specials to close out before the end of the month. Check your emails for these expiring deals if any pertain to you. Lately, Gmail has been featuring the emails with expiring deals at the top of my promotions box. Thanks, Gmail!
Luckily, this month does not mark the end of the quarter, because I would probably also be scrambling to spend up to the limit and then shuffling the cards in my wallet to maximize my spending. This usually has to do with Chase Freedom’s rotating categories. If it replaces a card that we usually use for a specific category, say, groceries, I have to make sure that I replace our AMEX Blue Cash Preferred card in my husband’s wallet with the Freedom, and make a mental note for my own. Check!
So that’s three out of five end of the month tasks completed. What do you have on your list this week?