No matter how frugal you are you still need to eat, buy car insurance, put petrol in the car etc...why not get something back for it. Most large supermarkets have customer loyalty schemes, some are better than others but if used right you can get something back from the everyday things that we all need to buy.
I talk about the Tesco Clubcard scheme not out of any sort of endorsement for the brand or scheme but its simply the one I'm most familiar with and the most developed in the Irish Market.
When you do your weekly shop you receive one point for every euro spent. You might also get special vouchers of 80 or 100 points for purchasing particular items. Each point is worth a cent in vouchers that can be spent store wide. These vouchers are sent to you quarterly, or you can collect only once a year for signing up to their 'Christmas Club', this is where you can let your amassed points pay for your Christmas shopping in one fell swoop, not to shabby for simply carrying a card around with you.
That's the basics but you can really build them up quickly by using them in the Tesco Petrol stations attaching to some of their stores, you get one point for every two euro spent on fuel. This is a bit of a no brainer as their fuel is usually some of the most affordable.
Tesco also offer car insurance (underwritten by Royal and Sun Alliance) and you will receive money off for being a clubcard customer and you also get points on every euro you spend on your premium.
They also offer a simple credit card product (max credit limit €1500) but you will get points for using your card anywhere, and double points for using it in a Tesco store.
Its amazing how quickley the points build up. Pay attention to the extra points offers that they give you but remember its only good value if you intended to buy the product anyway.
FS
