Layers of Savings: How to Save on Groceries


I rarely pay full price for  anything at the grocery store and try to stack on as many layers of savings as possible! And while I’ve not yet encountered the “perfect storm” in terms of being able to combine all of these layers at the same time, I have had some pretty extreme savings by combining 5 or 6 of these discounts.

Sale Price

  • Most grocery items go on sale at least once every few months. I use the Flipp app to check sale prices of every item on my shopping list and price-match it at Walmart or Real Canadian Superstore so that I’m not spending more time/money/energy hopping from store to store. Starting with a sale price is the foundation of all of the other layers – I don’t usually redeem a coupon or claim a cash back refund unless the item is on sale to begin with.

Manufacturer’s Coupon

  • I have a fairly complete collection of coupons ready to redeem when an item goes on sale. Again, I rarely redeem a coupon on a full-priced item – it will go on sale, eventually!  There are lots of places to get coupons in Canada:
  1. mail order coupons (WebSaver,, GoCoupons, P&G BrandSaver, brand facebook pages, etc.)
  2. tear pad coupons (on the coupon wall at the store entrance or in the aisles)
  3. printable coupons (SmartSource, WebSaver,, HealthyEssentials, The Healthy Shopper)
  4. coupon swaps (many communities have a facebook group of members that meet locally. I belong to Rockland & Ottawa East Coupon Clippers – feel free to join us virtually and/or in person!)
  5. online coupon trading (Coupon Spare)
  6. specially marked packaging (coupons on cereal boxes are common – check out this Savings Train that ended up saving me over $40 with cereal box coupons)

Cash Back Rebate

  • I check the cash back rebate apps regularly and will purchase featured items on my shopping list if they match my coupons and are on sale. I earned enough money with Checkout51 to pay for my iPad within a year of signing up! There are a number of cash back rebate programs available to Canadians – here’s my blog post over on CommonCentsMom with more details about how you can Get Cash Back on your Grocery Receipt.
  1. Checkout51
  2. SnapSaves
  3. CartSmart
  4. Zweet

Store Coupon

  • Retail stores often have their own coupons to pick up in the store, clip from their flyer, flash on your mobile device, or print online. Some stores (Walmart, for example) will accept a competitor’s store coupon for a specific product (not store-wide savings) so I’m always on the lookout for coupons to print/clip to match to sale prices. Some of my favourites are:
  1. Shoppers Drug Mart printable coupons with e-mail subscription e.g. $20 OFF when you spend $75 or more
  2. Target SmartSource printable coupons can be stacked with a manufacturer’s coupon
  3. Coupon Zone tear pad coupons can be stacked with a manufacture’s coupon at the Loblaws family of stores
  4. Rexall printable coupons with e-mail subscription e.g. 20% OFF entire purchase when you spend $25 or more

Other major chains that have their own printable coupons include Metro, Whole Foods, and the Overwaitea Food Group family of stores. Check the website and facebook page of your favourite stores to find out if they offer store coupons.

Mail-in Rebate

  • Cleaning and household products in particular often have a mail-in rebate to try a new product for FREE. Dishwasher tab, air freshner, and handsoap companies are particularly fond of mail-in rebate products. Be sure to submit the rebate form with receipt immediately after purchasing the item so that you don’t miss the expiry date or limited supply offer. Check for specially marked packaging, tear pad rebate forms, or the product websites and facebook pages for printable rebate forms.

Loyalty Program

  • Earning back loyalty points is an easy way to tack on another layer of savings at the grocery store. If you take the time to calculate how much your points are worth when you redeem them, you can roughly calculate whether or not it’s worth shopping at a particular store to earn the loyalty points, or save money on gas by price-matching with the rest of your grocery items. Some of my favourite loyalty points programs for groceries include:
  1. Shoppers Optimum Points
  2. Air Miles
  3. PC Plus
  4. Club Sobeys

Credit Card Reward

  • Although the savings are minimal in comparison to sale prices, coupons, and rebates, earning 1-3% back in points/cash dividend is another simple way to add on another layer of savings at the grocery store. Bit by bit, a cash back dividend, travel rewards, or points towards a gift catalog or gift cards do add up. If you end up paying any interest on the credit card, however, you’ll be negating these savings, and beyond. Credit Card rewards are only applicable if you’re able to pay the entire statement balance by the due date each month.

Store Perk

  • No tax, a free gift with purchase, scratch & save cards, bonus loyalty points, etc. are another way to save money at the grocery store and might be enough of a perk to make it worth driving to a particular store instead of price-matching in a one-stop shop. Be wary of some of the free gift card offers, however, which require a future minimum purchase with limited expiration dates – those aren’t necessarily a guaranteed layer of savings if you have no need, or are unable to make it back to the store within the specified dates.

When an item has multiple layers of savings … try to stock up

Keeping this kind of layered saving in mind, we should look past the sale price or the value of a coupon and calculate the out of pocket price (oop). When an item has multiple layers of savings and the oop price is as low as it’s going to get, try to stock up on the item. Within reason, of course! No basements full of bbq sauce and toothpaste, please – they both have expiry dates!

Do you have any additional layers of savings to help you cut costs at the grocery store? Drop a line in the comments below – I love hearing from other savvy shoppers!

About christaclips

Christa is a Save-at-Home-Mom who writes about money saving tips with hopes of inspiring other families who might want to keep one parent at home but aren't sure they can swing it financially. Christa left her career as a teacher trainer when it started costing her $47,000/yr to work outside the home and now works from home as a social media consultant and freelance writer. She shares her full story and money saving tips here on her blog and as co-host of the weekly #cdnmoney twitter chat on Tuesdays from 7-8pm ET. Wife, and mother of 2, Christa lives in Rockland, Ontario and loves skating & nordic skiing on the Ottawa River.

Posted on April 8, 2014, in Christa Clips, Couponing, Savvy Shopping and tagged , , , . Bookmark the permalink. 4 Comments.

  1. The best way to save is still the old trick of making a shopping list (and stick to it!!!). I use an app on my phone ( which is always with me and automatically sync with my partner and kids. This makes sure we always have what we need but nothing that we do not need and cost extra money…

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  1. Pingback: I Waited for the Right Promo and Got What I Wanted! | Christa Clips

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