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  • Best of CVS Deals and Match Ups: Feb 22 – Feb 28, 2015

    Here are the best deals coming up at CVS, including cheap laundry detergent, soap, and more. You can learn about playing The Drugstore Game here, and how to make the most of your CVS shopping here.

    Click here to see these match ups

    Morning Coffee: Rare Popsicle and Kraft dressing coupons, 10 Days of Deals from Redbox, & More

    Morning Coffee - Feb 2, 2015 @ ChiefFamilyOfficer.com
    Morning Coffee is published daily and includes the best of the latest coupons, deals, and info I think you may find interesting. Prices and deals can change at any time so be sure to verify them before making your purchase. Please note this post contains affiliate links that help support this site at no additional cost to you. Thank you for using them! You can read CFO’s full disclosure here.

    ~ Celebrate the Oscars with today’s Gold Box Deal of the Day: Up to 50% off Award-Winning Movies and Kindle Books {includes this year’s nominee Boyhood on Amazon Instant Video for just $7.99}

    ~ New Coupons.com printables:

    ~ New Hopster printable for $2/1 Viactiv Chews

    ~ Redbox: 10 Days of Deals when you text DEALS to 727272 (ends March 2; you’ll get one promo code per day)

    ~ Target is beta testing a new loyalty program called Target REDperks in Raleigh-Durham, N.C. – stay tuned for more info, and hopefully more savings!

    ~ Shutterfly: Get 100 free prints with code FREE4ME {expires Monday; must pay S&H}

    ~ Kellogg’s Family Rewards: Get 50 points with code RESCUEYOURPOINTS

    ~ Available again from Gevalia: Free sample of Gevalia ground coffee

    ~ Mojo Savings: $10 off $25 purchase Macy’s coupon


    Banner ad via ShopHer Media.

    Best of Target Deals and Match Ups: Feb 22 – Feb 28, 2015

    Target coupons and deals

    Here are the best of the deals at Target, my go-to store for one-stop shopping when I don’t have a lot of time!

    Click here to see these match ups

    How I Saved $300 in 15 Minutes (and one phone call)

    How I Saved $300 in 15 Minutes | Chief Family Officer

    I’ve read for years that you can save money by asking medical providers to reduce the amount you owe, but the few times I asked, it never worked. Apparently, that’s because I’ve always had health insurance, and a good plan at that.

    But at the end of last year, one of the boys injured himself on a Friday evening, and after a quick trip to the pediatrician’s office, we found ourselves at the Emergency Room on Saturday. The bills from that experience have been coming in, and I’ve learned a few things:

    Lesson #1: The hospital and doctors bill separately.

    Lesson #2: They won’t necessarily tell you upfront if they are members of your insurance network.

    Lesson #3: The hospital and doctor don’t really work together. What I mean is that in our case, the hospital was in-network but the doctor wasn’t.

    Whenever I pay a medical bill, I double check it against the Explanation of Benefits we receive from the insurance company to make sure the amount is correct. When I went to pay the doctor’s bill, I realized that the doctor wasn’t a member provider. No wonder the billed amount was in the $700 range!

    The insurance company had already paid nearly $600. And apparently with an in-network provider, we would have owed approximately $150. But because the doctor wasn’t in-network, we were being held liable for the additional $600 billed.

    So I got on the phone with the doctor’s billing agency to complain that I hadn’t been told the doctor wasn’t in-network and that if I had known, I would have asked for a different doctor. The customer service representative (CSR) who answered the phone assured me that every doctor in the ER was a member of the same out-of-network group of doctors that my bill came from, and then she said something that caught me off-guard: “Let me see what I can do.”

    Though I was surprised when she said that, years of reading frugal tips had prepared me for this moment. I immediately offered to pay the $150 I would have been on the hook for with a member provider. Unfortunately, the CSR said that wouldn’t be enough. Her counteroffer was a reduction down to $500+. That was a $200 savings but still a lot of money! So I asked if she could reduce it further if I paid in full immediately. She put me on hold, and eventually came back with an offer that was $100 lower. The total was still a decent chunk of change, but about half of the difference between the original billed amount and the in-network copay. So I paid it off right there and then, impressed with myself for saving $300 in 15 minutes with one phone call.

    And I have to admit, I was pleased that my years of reading almost every money-saving tip I can get my hands on paid off!

    What’s the most lucrative phone call you’ve ever placed?

    Image via FreeDigitalPhotos.net by phasinphoto.

    Morning Coffee: New Old Spice and Hasbro coupons, $25 BK gift card for just $20, & More

    Morning Coffee - Feb 20, 2015 @ ChiefFamilyOfficer.com
    Morning Coffee is published daily and includes the best of the latest coupons, deals, and info I think you may find interesting. Prices and deals can change at any time so be sure to verify them before making your purchase. Please note this post contains affiliate links that help support this site at no additional cost to you. Thank you for using them! You can read CFO’s full disclosure here.

    ~ Today’s Amazon Lightning Deals include:

    ~ Today’s Gold Box Deal of the Day: Singer Stylist Award-Winning 100-Stitch Computerized Sewing Machine with DVD, 10 Presser Feet, Metal Frame, and More for $137.99 {$299.99 value; 4.3 stars in 1,267 reviews}

    ~ New Coupons.com printables:

    ~ Cardency on eBay: $25 Burger King gift card for just $20

    ~ New SavingStar rebate for a FREE Almond Joy® Milk Chocolate Coconut & Almonds OR Mounds® Coconut Filled Dark Chocolate Candy Bar

    ~ Today only: Ralphs/Kroger shoppers can get a digital coupon for one FREE Russell Stover Easter Egg 1oz

    ~ Fancy Feast: Get a free sample when you click on “Try a Bowl” on the right side of the page

    ~ Deal Mama: Free L’Oreal hair care at Rite Aid

    ~ Wild for Wags: Dial hand soap as low as $0.99 at Walgreens, without coupons

    ~ Hip2Save: $20 Walmart gift card giveaway for 10 winners

    ~ All Things Target: Cheap pasta and sauce at Target


    Banner ad via Escalate Media Network

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