it's just the way you look at what's really "free".
We're all frugal shoppers here, right? So when we buy groceries we need anyway, chances are most, or maybe all items are On Sale, maybe price matched to get the best possible deal, maybe some coupons were presented, etc, etc. Maybe we earn some points.
What the cost at the cash happens to end up being, the OOP, and pre-GC, is my
Grocery Budget amount. and that's what I track.
Now for all that astute shopping and work that goes into it, we should be rewarded, don't you think?
In our household, that "Reward" is a Gift Card, or cards, to ME (and my wife of course). I consider the redeemed points to be attributed to the Gift Cards, which costs me zip, and leads to guilt free purchase(s), that I don't have to account for. .... like maybe a $100+ bottle of really good Single Malt (scotch). or whatever.
Bottom line, its money in, money out, but I can't stand the thought of redeeming my loyalty points for boring things like lettuce, potatoes, cans of beans, and pork chops. I need all that to survive.
But that special bottle of Single Malt, that I otherwise would probably never think of buying. well that's priceless ! ;)
http://www.lcbo.com/lcbo/product/lag...6#.Wni5ZqinEuQ