$6.00 [in points to open a layaway contract]
$2.50 [in points for payment #1]
$2.50 [in points for payment #2]
$2.50 [in points for payment #3]
$5.00 [in points at completion of contract]
$18.50 in FREE money to use later, just for putting the game on layaway, today. To open this contract, I had no fees, but was required to pay $15 toward said purchase.
Did I reach in my pocket to give them straight cash????
Noooooo. First, I went to the cashier and handed her $25 in green for a $25 Kmart gift card BECAUSE, that gift card is part of a promotion that gave me an additional gift card worth $5 PLUS, $2 in points on my rewards card.
I did that transaction twice. Brings me to $14 + $18.50 = $32.50 in free money to use another time.
And that's how I coupon.
I don't deduct the rewards or points until I use them. I paid $50 out of pocket for gift cards, to pay for his game. But instead of putting it all on the game today, we'll wait until NaNo is over for Tim, and I've collected all my points.
And believe you, me. I will not be paying out of pocket, for the next round of paper towels or crapper paper.