My younger son is home from university now and I took him out to the local Loblaw’s to get groceries for the holiday. I am hosting a very small Christmas dinner but with both my sons home from school for the holidays the eating will be nonstop.
I use a President’s Choice (PC) MasterCard to get points for big eating occasions like Christmas. I checked my points balance and I knew I had enough points for $80 worth of groceries. My son was pushing the cart and we were both putting items in. With both of us adding things to the cart the bill ended up at $111.
The cashier asked how I would like to pay and I told her I wanted to use my PC points. The $111 bill was reduced by $80 to $31 for a very large cart of food. The woman behind us said that it was like watching an episode of Extreme Couponers.
Then it was my son’s turn to pay for his purchases. He buys Christmas gifts for me, his brother and his father even though I strongly encourage him to spend very little. Loblaw’s has gift cards from every store, restaurant and activity you can think of and my son was buying us all gift cards for Christmas.
I was bagging my groceries and she rang up his $125 gift card purchase. The cashier asked how he wanted to pay and he said that he wanted to use his PC points. He was able to reduce his bill from $125 to just $5. The woman who had commented on my purchase said that she couldn’t believe it and I was very quick to tell her that he was my son.
My son uses his PC MasterCard when he pays for his tuition and books. He also uses it, like I do, when we are shopping at any of the stores in the Loblaw’s chain (No Frills, Superstore, Zehr’s, Loblaw’s) to get extra points.
In other wonderful financial news about children my older son, who is also in university, has stopped paying for his gym membership of $125 per month. He is still a full and active member of the gym but he is working for his membership instead of paying. Every Sunday afternoon you can find him cleaning the gym in lieu of payment. Another very proud mom money moment.
I am convinced that they never listen to me but it seems that every once in a while something does sink in.
We will be having a very simple Christmas. I have 2 free movie passes so the 3 of us can go to a movie and I will only have to pay for 1 ticket. The presents are all wrapped and under the tree but there aren’t too many gifts and I am only feeling a little bit guilty about that.
I have added nothing to my debt to pay for Christmas and I have been paying for it slowly over the year when I saw things go on sale. I saved my grocery points to help with the food bill.
We will all be here together and we have heat and power and a lot of food. A lot of people around me are not so lucky.
Wishing you all a Christmas as wonderful as mine.