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Watch episode 2 of Shop Talk where CarrieMumsnet discusses how to reap those shopping rewards NOW CLOSED

(104 Posts)
KatieBMumsnet (MNHQ) Tue 22-Oct-13 14:16:20

Last week MNers were asked whether they would spend £50 cash differently to £50 in reward points. Watch episode 2 of Shop Talk now to see if your comments made it on the show!



Barclaycard Freedom Rewards, in association with Mumsnet, have created a new weekly online chat show: Shop Talk. Over the next few weeks, they'll be looking for MNers' shopping tips and tricks on a range of topics.

Here's what Barclaycard have to say about the show: "Shop Talk is a weekly chat show where we tackle the big shopping stories that you're talking about. A different presenter will host each show each week and this week its Julia Bradbury. Two panellists, including shopping blogger Emily and Carrie from MNHQ, joined Julia to discuss what you can spend your rewards points on in preparation for the winter.

With regards to the Barclaycard Freedom Rewards credit card, Barclaycard say: You can redeem your freedom points at the broadest range of high street brands, as well as big online names, worthy causes and great places to spend time with your family. You can even choose how you redeem your rewards points, e.g. vouchers, gift cards, e vouchers etc.

Next week's Shop Talk, hosted by Ben Shephard: shopping online vs the high street, which do you think is best and why? Share your thoughts on next weeks thread here and you could win £150 worth of Apple Store vouchers.

Thanks,

MNHQ

GetKnitted Tue 22-Oct-13 23:07:56

We only use reward vouchers differently to cash when we can secure better value for them, e.g. £10 of tesco vouchers is £40 of food in Pizza Express. Of course we could eat at home for less than that, so it isn't true money saving, but it is a really nice way of getting the most out of loyalty points.

skyeskyeskye Tue 22-Oct-13 23:46:31

I use vouchers according to where they are from, so Tesco is used for Days Out, RAC membership etc. nectar points are used to buy clothes for DD.

If I had £50 cash it would give me more freedom to spend it where I like or to put it towards a holiday.

dahville Wed 23-Oct-13 04:39:09

We're generally pragmatic with our points, cashing in Tesco vouchers for extra vouchers and stocking up on baby products. Our points from our credit card get cashed in for M&S vouchers on a fairly regular basis.

£50 cash at the moment would probably go towards Christmas presents for the boys and would be more useful I think than rewards on a card. Rewards are fixed amounts for fixed places, cash can be spent at any store in any amount you want.

gazzalw Wed 23-Oct-13 10:37:42

I always think of money vouchers in an entirely different way to cash. Reward vouchers usually get saved for treats and family outings. Vouchers given as presides tend to gather dust in my wallet until I find something suitably special - no easy task!

Time was when £50 would seem like riches but sadly no more.
.

sealight123 Wed 23-Oct-13 10:48:42

If I essentially had £50 cash it would usually just go towards the main food shop, but if it was points we generally take a bit aside for a treat the family or my daughter can enjoy and...then spend the rest on the food shop....waaaahhh ...when did I become a responsible adult?

Yes - definitely different - £50 cash would vanish into the general finances, whereas £50 in vouchers would be "mad money" - to spend on something (either for me or for the DC, probably) that I would not otherwise have bought.

Rewards points in general get hoarded in this household - DH has loads of Amex points which I would love to get my hands on but is hesitant to spend them unless presented with a stupendous deal. I think that is the challenge with points/vouchers in general - they have a variable value depending on the deals on offer, so the temptation is always to wait for the next deal.

HootyMcOwlface Wed 23-Oct-13 11:56:43

£50 rewards would be used for a treat, £50 cash would just go into the joint account. For rewards we tend to double them up for a restaurant meal or a day out, whatever gives the best value. But this year we're thinking of using our Nectar points for Xmas items (probably a fair bit on booze and food!) as we're not going out so much.

StillNoFuckingEyeDeer Wed 23-Oct-13 12:16:51

I save my nectar and boots rewards points for my Christmas shopping.
Tesco points I try to get extra value out of them with the clubcard exchange, but I don't use them for anything I wouldn't normally buy.
I'd spend the extra £50 cash on the same things, but I just wouldn't have the bargain feel I get when using reward points.

Willemdefoeismine Wed 23-Oct-13 13:47:16

Cash would just get absorbed into everyday expenses whereas £50 rewards would be well and truly deliberated over before being spent on some type of treat activity for the family!

Spirael Japan Wed 23-Oct-13 14:07:38

£50 cash would just disappear straight into the family funds to be used for a food shop or travel costs or something equally as mundane.

Vouchers tend to be hoarded and then put towards something on the wish list, depending on where they're for. If for a restaurant or similar, they're saved and used when we have a special occasion to celebrate anyway to bring the price down.

We're very boring!

grape999 Wed 23-Oct-13 14:30:25

Reward vouchers are just that = REWARDS! So we use ours for restaurants, cinemas, presents for the children etc. Cash is for day to day use. It sits in my purse until it has all gone, and I can never be sure on where it all went!

ScreamingNaanAndGoryOn Wed 23-Oct-13 15:07:14

I have a freedom rewards card and at first I saved the points to use on days out. Sadly this is where the vouchers fail as most places where you can use the leisure vouchers, there's a difference between the on-line price and a pay-on-the-door price and as you can't use the vouchers on line, it costs you more to get in if you want to use your voucher, than it would if you booked on line.

Now I'm probably just going to use them to get clothing or other shopping vouchers. Once I've managed to use up the useless Leisure ones I'm stuck with.

Cash is every day purchases. Points are there to spend on nice stuff for you!

£50 vouchers would go towards buying Christmas presents, whereas £50 cash would be spent on a huge charity shopping spree. I could get a whole new wardrobe for £50.
My life is so far from "rock and roll" it's not even funny!

£50 cash wouldn't go far... Maybe put it towards work clothes or similar?

Hanginggardenofboobylon Wed 23-Oct-13 15:51:13

I use different rewards for different purposes. Supermarket rewards I just take off my normal shop as they are received. The rewards from my credit card I always convert into shopping vouchers and just spend on the next weekly shop.

The points I get from eg boots I tend to spend on 'treating' myself.

I can rarely be bothered to save the rewards up for long for something huge or to convert into eg. days out vouchers. I think this takes a degree of dedication and research that I simply don't possess!

Cash I agree is usually swallowed up, at least with vouchers it feels more tangible as a 'reward'

BornToFolk Wed 23-Oct-13 16:24:55

£50 cash would most likely go towards paying off a bit of my (not massive) credit card bill.

£50 reward vouchers would go towards a new pair of winter boots for me.

I quite often get reward vouchers from work, which can be used in a variety of places and I usually get Amazon vouchers so I've got credit i my account for ad hoc book purchases or birthday presents.

clubnail Wed 23-Oct-13 17:05:50

We save our Boots and Nectar points for spending in December. Don't shop at Tesco, I need to check out the points and deals. Mainly it feels like a chore having to sift through the various offers, why can't things just be priced reasonably to start with. When spending credit card points, we always go for vouchers for a shop we'd spend in anyway (e.g. B&Q) rather than their items online which though seem 'free' if buying with points, we are always better off getting the vouchers to spend at say B&Q then spending our own cash on the item at Amazon.

RubySparks Brazil Wed 23-Oct-13 18:17:15

I usually use Boots points near Christmas either for me or for gifts, Tesco vouchers we save up and use for bigger things like days out or last time was a mobile phone for my DD, vouchers often are worth double the cash so that was a bargain. Cash would likely just disappear on something like haircuts or clothes for kids!

flamingtoaster Wed 23-Oct-13 18:54:39

Message withdrawn at poster's request.

Hopezibah Wed 23-Oct-13 20:57:12

Reward vouchers always seem more special! I definitely put more thought into spending them and it is usually on a special treat either for myself or the family eg. a day out.

£50 cash would get put towards general shopping, bills etc and not for something special. That's why it is always nice to be able to earn rewards.

MadMonkeys Wed 23-Oct-13 21:11:47

There's not much difference really between cash and reward vouchers really, unless the vouchers are for somewhere where I can't get normal everyday stuff - then I'd use the vouchers as a bit of a treat.

CheeryCherry Wed 23-Oct-13 21:15:28

I guess if I had £50 cash I would spend it more quickly, probably on a treat or meal out or take away for all the family. Either that or it would just disappear in day to day spends.
If I have vouchers or points to cash in, I do think about it more carefully, saving them for holidays or Christmas or birthday presents.
So I think cash would be spent on us, vouchers are spent on others!

CMOTDibbler Wed 23-Oct-13 21:35:33

I like accumulating points because I save them up and use them on treats, wheras cash just gets spent on stuff

trilbydoll Wed 23-Oct-13 22:06:24

Agree with everyone else, cash just vanishes into the black hole that is our current account, but does justify a small frivolous spend of £10 or so.

Nectar points go on the Christmas shop but any other reward points go on treats or unnecessary stuff that i want but we really don't need.

Kelloges0811 Wed 23-Oct-13 22:48:18

I usually use my Tesco vouchers to eat out at restaurants and save my money off supermarket vouchers for a big shop for special occassions. When I have won vouchers I usually spend them to treat my children or husband, depending were they are for. I even spend money or vouchers I myself have been given for my birthday, to treat my children or pay bills. I would only really treat myself with vouchers if they were for something like a spa or pamper day were children would not be allowed. It's the first thing you think of as a 'Mother' and as a 'Wife' is 'How can I treat my children or husband?'

RedBushedT Thu 24-Oct-13 00:23:30

I would spend an extra £50 cash on a day out for my children. if it was reward points I'd be more likely to be sensible and use it to buy staples such as tinned / packet food or loo roll.

MotherOfSoupDragon Thu 24-Oct-13 11:39:43

I tend to use my Tesco points for a magazine subscription each year as I wouldn't buy one otherwise.

Other reward points like Sainsburys and Boots I use when it's near the end of the month sometimes and I just can't afford to shop. Or if not needed for that I save them for Christmas and use them to buy gifts and Christmas food or drink.

An extra £50 would be handy now, as I could spend it on Christmas gifts that I can't start buying yet as dh is out of work.

I tend to save my loyalty points for treats rather than every day stuff so with my Boots points, i might get a luscious handcream or perfume, with Tesco Clubcard points, we treat the kids to a pizza on the Days Out. 50 cash - while much appreciated - more likely to be frittered away on groceries without feeling i had anything nice to show for it

GaryBuseysTeeth Thu 24-Oct-13 11:52:57

We share the reward points; dh gets something, I get something and then we get something we both enjoy/wan.
Aside from boots points, I save them up for Christmas/january sales

If someone gave us £50 cash we'd probablt buy a boxset,game or a few takeaways., so more likely to be wasted!

ShatnersEmptyCatacomb Thu 24-Oct-13 12:31:35

I'd try to save £50 in cash. I'd definitely treat myself with £50 worth of points.

hermioneweasley Thu 24-Oct-13 12:43:48

Usually reward point are poor value and a pain to redeem, so I would opt for cash, unless it had the value of something like Tesco club-card points where you do get a much better deal.

Cash back woukd go on something like a meal out or family cinema outing

Cash would be spent in a day. We save rewards points up to splurge at Christmas.

SalBeautyMoll Thu 24-Oct-13 13:54:46

Tesco reward points we use for treats like powerboat trips and a new camera. Extra cash would just get lost in the bank acct.

asuwere Thu 24-Oct-13 14:54:34

I think cash is easy to just get mixed into everyday spending whereas with reward points, it would be spent on something specific. I like to use my tesco points for days out as it feels like I'm getting a lot more from them. I even transfer my topcashback into tesco points to make it go further.

Theimpossiblegirl Thu 24-Oct-13 15:03:09

Cash always gets spent on family stuff or things we need, but reward points are for treats, so I can spend them without guilt.

I shop online a lot and always look for sellers through Topcashback, Quidco and Nectar before making a purchase. I have so many loyalty cards I keep them in a phone sock in my handbag.

Steffanoid Thu 24-Oct-13 17:06:33

dinner out for my mum, she gets lonely and id like to take her out to treat her smile

Steffanoid Thu 24-Oct-13 17:09:38

as others have said if it was in cash form it would just disappear into everyday life

PepeLePew Thu 24-Oct-13 19:40:41

I tend to use "reward" money for things I'd never normally buy - a bottle of perfume, some random toys for the dcs, a meal out for us all. We're lucky to have enough money for day to day living, so I like putting it to one side and working out how to spend it on fun stuff. Vouchers for supermarket stuff just get put towards the next shop. But I'm about to get around £30 of John Lewis vouchers from my credit card spending, and they'll get used for fun, like cash would.

choccyp1g Portugal Thu 24-Oct-13 19:43:51

Am I missing the point?
Seems obvious to me; £50 cash goes towards whatever bills are most pressing. £50 rewards goes to whatever is the best thing out of the limited range available.

choccyp1g Portugal Thu 24-Oct-13 19:51:24

Having read the other posts, I probably was missing the point.
For me it all depends how hard up you are. For example I'll tend to save Tesco vouchers to get double or more of their value, against treats or restaurant bills.
Whereas one of my friends often uses them immediately at face value for food, rather than putting fit onto the credit card, and not being able to pay it off.

BlackberrySeason Thu 24-Oct-13 20:23:23

I probably would forget to spend any reward points at all blush

MollyMango Thu 24-Oct-13 21:26:53

I see rewards more as free spending on whatever I like but money hoes towards my budget.

Having said that I am a points hoarder so never feel right spending so much and ed up not spending them!

sharond101 Thu 24-Oct-13 21:55:52

We have a holiday fund that the extra £50 cash would be summoned to. The rewards points we would use or something we were needing to buy anyway and then we would switch £50 into the holiday fund to account for this.

SortingMeOut Fri 25-Oct-13 08:43:49

An extra £50 cash would be spent on clothes as I'm lacking winter ones after a couple of bouts of winter in maternity wear. Reward points would be saved up and spent on the most appealing thing in the catalogue.

Trills Fri 25-Oct-13 10:02:20

I use topcashback quite a lot and I always turn it into Amazon vouchers, partly because you get slightly more and partly to fund my kindle habit.

I prefer the schemes like boots, where it converts into mieny to spend in boots, rather than the more complicated nectar/ club card type where you have to grey about the best deal! Current fave is my waitrose because you get a free cup of tea!

Fumnudge Fri 25-Oct-13 11:30:17

Rewards definitely seem more precious than the same amount in money, probably because they take SO long to build up to anything much.
But if I had £50 'freebie' money handed to me right now I'd take my mum out to lunch with a glass o
f fizz, yum

riskit4abiskit Fri 25-Oct-13 11:44:46

I save points up for a 'big shop' at Christmas

If I had the same in cash given to me I would spenf it on a experience, probably a day out for me dm and ds to somewhere like the zoo! I have no idea why I wouldn't think of using points on a day out!

Lightshines Fri 25-Oct-13 12:39:10

I definitely deliberate far more over spending loyalty points than cash, pretty much like everyone else. I do also alter my spending to accumulate more points - looking out for extra points offers, using extra points coupons etc.
We spend the loyalty points (I save Nectar, Boots and a few Tesco) on treats. Favourite Tesco points spend is a Eurotunnel ticket.

THERhubarb Fri 25-Oct-13 14:02:49

£50 cash would probably go in my pocket and I'd spend it on various bits and pieces like food and other essentials. It's not quite enough for me to think about making a large purchase with.

Points limits me to spending in a certain store and whilst that also limits what you can buy, it does mean that I'm much more likely to spend it on Christmas or something the kids really need.

Right now I would spend it on my son's 10th birthday. He is itching for a Lego set - the bigger the better but as those things are hideously expensive, he rarely gets a large set. The £50 would buy him something like the Lego Mining Set which would make his little eyes pop out of their sockets and would no doubt make his birthday complete smile

THERhubarb Fri 25-Oct-13 14:06:07

Oh and I do collect Nectar Points, not just with Sainsburys but also when I shop online I sometimes get Nectar Points, such as with ebay. I save these up during the year and then spend all my points on a Christmas shop at Sainsburys.

I also have a savings account which rounds up anything bought on my debit card and deposits the loose change into a savings account. The amounts are so tiny that I don't notice (such as rounding up 45p to 50p and putting 5p in the savings account) but over time they do add up. I also use this for Christmas shopping. All these things just help the spread the cost a little.

Dededum Fri 25-Oct-13 16:21:17

£50 cash would just go into household expenditure.

American Express cashback went to new garden furniture from Homebase this year (lot of cashback)
Advantage points I just hoard and then sometimes them at end of month when cash short. Nectar points again just get used as a cash (even though I know not very efficient)

NaturalBaby Fri 25-Oct-13 16:56:00

£50 cash would be spent on little treats in local shops - going out for coffee, buying pocket money toys for the kids, magazine, treats from the bakery etc etc.

£50 reward vouchers would be spent in a shop to buy a bigger luxury item - like something I would want for a birthday present. I've just spent some on expensive face cream rather than cheaper cream from the supermarket, last year my perfume came from reward vouchers for a department store.

Online rewards tend to just get transferred into our bank account, from topcashback for example, so don't really get spent on anything specific.

I tend to shop around and use discounts for monthly living expenses and save rewards for more special things that we have denied ourselves, such as days out of going out for a meal. Last year we had 2 days out at a theme park and several meals out with reward points. If we'd have paid full price that would have cost us £100's.

starfishmummy Fri 25-Oct-13 17:03:01

Reward points and vouchers - the ones from the supermarkets probably get used for luxury food and drink at xmas or birthday parties.

Boots rewards keep me in skin care products.

Cash would probably go.on a family treat

Tigerbomb Fri 25-Oct-13 18:20:48

£50 cash would get swallowed up into bills/shopping etc

£50 reward vouchers - depends on when we got them - if it was close to Christmas or a birthday then they would be used to help pay for presents

If it was summer - then a treat for the family

BooItTooJulia Fri 25-Oct-13 18:28:16

I usually use reward points for things I can't really afford, like La Roche Posay creams with my advantage points, or copper bottom pans from Sainsburys with my nectar points.

£50 cash? Now that might be a meal out, a treat for DH and I, but in reality, it would probably go on boring, everyday essentials!

majjsu Fri 25-Oct-13 20:31:57

I always spend vouchers on Christmas treats. If I had the extra cash would try a new hobby, like learn to horse ride, the rest would go on eating out.

tigerchair Fri 25-Oct-13 20:45:50

Like a lot of others, £50 cash would probably end up covering general household expenses though maybe a tenner would survive for a takeaway or bottle of wine.

Reward vouchers are used for treats in our family, eg meal out, especially if there's a way of multiplying their value like tesco rewards.

nerysw Fri 25-Oct-13 21:30:43

I spend rewards on extra treats, for example days out and our summer holiday was heavily subsidised with Tesco Boost Vouchers (ferry crossing and all of our days out). At the moment an extra £50 would go on a family meal out.

TheFutureMrsB Fri 25-Oct-13 22:02:46

I save vouchers/points for a special purchase but cash just gets spent on whatever and is never kept for something. If I had £50 in cash it would get spent on something and nothing, bills/food/etc.
Vouchers can be saved as can points so I prefer that.

vouchers are spent on frivolitities that you wouldnt usually biy - which is no bad thing - we all need a treat now and again

LentilAsAnyFUCKERthing Sat 26-Oct-13 00:39:55

Reward points are so limiting, I would rather have the cash as you can usually make more use out of it, hunting down the items available on Amazon for less than the special offer offered by the points company. So unless the offer really is amazing, and actually something I want, show me the money!

kateandme Sat 26-Oct-13 02:23:02

i would use cash more wisely i think.vouchers,rewards points seem more like treats.cash is just needed at the moment so its more thought through.

AndHarry Sat 26-Oct-13 09:45:07

I would spend £50 cash on childcare and £50 reward points on a family day out. Reward points feel a bit like monopoly money somehow!

Orange01 Sat 26-Oct-13 14:32:13

Vouchers are more useful and help me control my spending and I spend it more meaningfully where as cash just gets absorbed into daily spending.

ladygoingGaga Sat 26-Oct-13 14:33:40

50 pounds cash would just get used up in my purse, paying for small things, where as if I had 50 pounds in vouchers I would probably buy something I had wanted for a while or put it towards.

As for reward points, I always save them up until it is a decent amount, usually so I can buy a birthday or christmas present.

startupDad Sat 26-Oct-13 14:35:13

If I had £50 cash, I'd spend it on a babysitter and take my DW out for a well-deserved romantic dinner.

If I had £50 reward points, I'd most likely forget about them until after they expired, and then be irritated with the company for giving me something not as useful as cash.

Tyranasaurus Sat 26-Oct-13 18:43:09

Oh god I hate reward points, they're such an annoying awkward thing to remember you have and then spend, I'd probably spend them as soon as I could on any old normal shop just to get rid of them

BoysWillGrow Sat 26-Oct-13 19:27:03

For me £50 cash would just be absorbed into our normal spends, where as £50 points isn't something we have factored into our budget. So would be used for treats, probably cinema, birthday presents, dvds etc.

NotCitrus Sat 26-Oct-13 20:04:09

Depends on the vouchers. I use up my Nectar points and JL credit card cashback vouchers to cover most shopping for food etc in December, which means Christmas is actually a cost-saving month!
A voucher I had to redeem in some complex way like getting someone to phone up for me would just annoy me but would probably use it. Cash would be better - either way would make it more of a 'treat".

Cantdothisagain Sat 26-Oct-13 21:54:11

I like vouchers because it means I can buy something different from normal (be it for me/DH/kids/others). With JL vouchers we tend to buy a treat for the kids. With M&S vouchers I typically buy treat food. With cash it just disappears into the general money black hole. I appreciate that this is because I do have enough money to live on - would be very different if we didn't.

sabretiggr Sat 26-Oct-13 23:25:59

I prefer cash because you have the freedom to spend it as you wish and don't have to worry about it 'expiring' or forgetting to use it. Sometimes vouchers are nice though as it feels like you've received a gift so it can be used for special occasions and treats.

Like many others on here cash would just vanish. I am going to cash in my freedom rewards shortly to spend on ds for christmas.

vouchers seem more of a treat than cash which always gets ploughed back into the house somewhere. I would spend a voucher buying dp some Christmas presents as he seems to be getting forgot in my buying for the children

rupert23 Sun 27-Oct-13 08:42:37

i like to save up my rewards to treat the children to days out, as a single parent with five children any money or voucher towards days out eases the cost and means we can go to places we wouldnt otherwise be able to afford. I enjoy treating my children and vouchers are ideal.

OPeaches Sun 27-Oct-13 10:41:52

Rewards are for treats. For example, we save our tesco ones for a yearly family trip to a Hilton family hotel, and my boots vouchers are always used for luxury brand makeup or perfume. £50 cash would be far more likely to be used for normal everyday expenses.
So, rewards = treats
cash = mundane

firawla Sun 27-Oct-13 10:53:11

I like to spend rewards points on days out over the summer eg legoland etc so normally save them for that

Snapespeare Sun 27-Oct-13 12:43:32

I spend reward points on family days out. Money gets swallowed up servicing which ever debt is the most pressing.

Ohhelpohnoitsa Sun 27-Oct-13 17:29:22

I tend to spend "points" like Boots & Sainsburys as I shop for a sneaky little discount. Tesco points I once swapped for pizza express but to be honest, having vouchers just stresses me out - I feel pressured like I MUST use them - I have stopped Groupon because of this and definitely prefer cash. Vouchers tend to get used, just to use them and the sense of occasion is lost. £50 right now would buy some curtains for my ds's room - the roman blind is not. insulating enough now the colder nights are here. Generally if I am rewarded £50 or given money as a gift, it DOES get saved towards somethinh, usually a special meal out or towards some art work. That does feel special, whereas vouchers dont. I have been known to sell vouchers on Ebay in the past - £50 worth of m&s vouchers did not by nice paint for my bedroom. Knce sold on ebay, the £49 raised did !!

Ohhelpohnoitsa Sun 27-Oct-13 17:58:06

We also had a discussion on friday at work as we all joined up to petrolprices. com. half the people said they only go to sainsburys so they get cheapish petrol & nectar points add up. However we worked out between sains & thw cheapest in a 5 mile radius we'd save £5 per tank i. e. £20 pwr month. I am pretty sure you dont get £20 worth of nectar points in 4 fill ups.

androbbob Sun 27-Oct-13 20:16:14

If I got an extra £50 it could quite easily be swept up in the usual day to day expenses. However, a night at a budget hotel or a family meal out would be a real treat.

Reward vouchers would probably be used for holiday treats - trip to zoo or theme park, as we have done with our Tesco vouchers. Boots points get spent on me!!

pussinwellyboots Mon 28-Oct-13 08:11:01

I like having vouchers as I think of them as 'treat' money - for eating out, days out etc.....cash just disappears into family life used for - window cleaner/school trips/charity donations (never ending sponsored events!) etc....

If I had £50 in reward vouchers I'd spend it on some clothing bits and bobs for my dd's, if I had £50 cash I'd treat them to a day out over half term.

Rewards points we use as just free bigger bits when shopping, ie clothing, electrically, toys etc. Things that we wouldn't ordinarily buy in with our shopping.

Mamafratelli Mon 28-Oct-13 08:50:15

I always use rewards for treats. After all they are unexpected and not budgeted for. Cash jus seems to go in the pot for general spends. I see rewards as a lovely extra.

k8vincent Mon 28-Oct-13 09:46:04

Reward points tend to go towards days out - Legoland this year. £50 cash and I'd buy my DH a better birthday present than the socks and pens he is likely to get at the moment!

vincenta Mon 28-Oct-13 10:24:41

As others mentioned before we usually spen cash on food shopping. For points and vouchers it usually depends, what kind of vouchers and what kind of points. Sometimes i buy some clothes,home items, toys. Tesco vouchers we usually tro to save and than exchange for restaurant vouchers.

ouryve Mon 28-Oct-13 12:39:32

We treat them about the same. We don't get enough Tesco points to regularly trade them up for anything, as we very rarely shop there. Our Nectar points get used to pay for a Sainsburys shop, more often than not. I get cashback on my credit card, and it just goes towards paying off that month's balance. DH spends a bit more than me on his card, so usually treats himself to something.

HoneyDragon Mon 28-Oct-13 15:32:22

£50 cash would go on household necessities

Rewards points would be spent on treats.

Because reward points are never a certainty it's nice to use them for pleasure.

£50 cash - if it was just for me, it would be used to buy myself some new Benetint and Porefessional, both of which I want but just can't justify. Really though, it would be more likely to just be used at the supermarket, or on train fares.

£50 worth of points would be more likely to used as a treat - for example, we'll use our Nectar points to buy a 'posh' Christmas pudding etc.

telsa Mon 28-Oct-13 16:23:05

I tend to use vouchers for special purchase, for me or others, such as birthday presents, theatre tickets etc. Don't like to blow them on normal things. Silly really.
£50 cash would go on food, I should think. usually does,

SuzySuzSuz Mon 28-Oct-13 17:47:26

Cash would get eaten up with the usual household monthly expenses where as reward points do get more thought into them!

It depends on where they are for - if for grocery stores then they'd probably be used towards the usual shop and would have some extra treats, Christmas bits and pieces added in.

If for anywhere else we'd look at upcoming birthday, events etc and see where they could be spent best.

Murdermysteryreader Mon 28-Oct-13 19:10:07

I use vouchers for treats, presents and to make meals out a bit more affordable. I like seeing which ones are good value eg Tesco, where you can get extra worth for them. I have used Barclycard ones and redeemed them for Waitrose vouchers ( which just took a bit off my shop) Cafe Rouge vouchers which reduced a meal of a meal a bit and Dedendhams vouchers. These were over the last 2 or so years. The one I liked best was Dedengams vouchers as I actually treated myself to something entirely from vouchers - eg picture frames rather than just nibbling a bit off the bill.

hytheliz Mon 28-Oct-13 19:34:03

I tend to use reward points in a practical yet special way...for example using it to pay for a Eurotunnel crossing for a special family day out whereas if I had £50 cash, I'd just use it on everyday essentials like groceries.

Tikkamasala Mon 28-Oct-13 20:48:33

As with most people who replied, cash would end up on general spending, whereas vouchers would be more of a "treat" thing. Though I am bad with my Tesco vouchers, always intending to trade them in to get more value e.g. Restaurant vouchers, days out, but then forget to do it! The vouchers that I do always build up are boots which often go on Christmas presents.

Dancealot Mon 28-Oct-13 21:05:10

I like to use reward points and vouchers for treats rather than every day goods. My last lot of vouchers/points was spent on perfume and underwear- lovely!

mercibucket Tue 29-Oct-13 09:56:25

I prefer cash as I always think points are better saved for special occasions. Daft really. I would choose a cash back card over a reward card for that reason

Lent1l Tue 29-Oct-13 10:31:23

£50 in my wallet - unless actually as a £50 note - would just get spent on the shopping, car park, playgroup, basically just as money from the cash machine does. A £50 note would be more like a voucher to me and these get spent differently, they are rare so would be put to one side and careful consideration would be given to what kind of treat would be bought with it. Depending on how we came into the money or voucher then it might be a treat for Mummy, or a Mummy and Daddy treat or a whole family treat. So maybe a pampering day for Mummy or a meal for two or a trip somewhere as a family using the money as the spends for the day. We are lucky enough that an extra £50 doesn't have to go on bills and essentials but at the same time not so well off that we don't treat it as the extra amount for special use that it would be to us.

Ruby6918 Tue 29-Oct-13 11:46:37

i try and save my point up for something special, i use the tesco double rewards vouchers rather than use small vouchers on an every day basis, i collect points on superdrug and boots too and keep them so i have something to fall back on for a birthday present or a special ift, if i get cash it would just disappear quickly and i wouldnt even remember what id spent it on, i watch out for extra beauty points with debenhams as often if you spend say 40.0 they will give you 7.50 in points so it can be worth the wait, i always use the same garage so i can get my nectar points too

UserError Tue 29-Oct-13 12:56:12

I try to save my reward points and vouchers and I encourage my family to do the same. My mum used to use her Tesco vouchers to deduct money from the main shop and she was amazed when I explained she could save them, increase their value through the reward program and use them for meals out.

Our vouchers do tend to be used on family treats, rather than on normal every-day expenditure. Cash is cash and goes on essentials. It's much harder to get into the mindset that you're allowed to spend cash on a treat, when you know that it could pay towards a bill or those new clothes your ever-growing child needs. Vouchers are usually seen in this household as a bonus, so it's easier to allow ourselves to spend them on treats.

BigGapMum Tue 29-Oct-13 21:46:42

As many others have said already, cash just included in normal household expenses, but the way I look at it is that it frees up money at a later date, that we can use for non essentials.

A value in reward points is more of a hassle as you have to put in effort to choose a way to cash them in. I'm a practical kind of girl, so to only have luxury items is not much of an incentive for me. I would prefer to use reward points to get something that I would have been likely to buy anyway.

Did the title just change?

Bubbles85 Fri 01-Nov-13 08:13:31

I try to think of vouchers in the same way as cash as then we are saving money. But I must admit that I also use them to treat myself with things that I wouldn't usually consider spending money on as it doesn't really feel like I am wasting money that way! I obviously don't tell the OH that though!

KatieBMumsnet (MNHQ) Fri 01-Nov-13 17:04:38

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