Creative Spending

Mastermind Weekend 1/16

Hey there!

I'm Tina

I’m the owner of Carrots ‘N’ Cake as well as a Certified Nutrition Coach and Functional Diagnostic Nutrition Practitioner (FDN-P). I use macros and functional nutrition to help women find balance within their diets while achieving their body composition goals.


An in-depth, 4-week reverse dieting course for women who feel like their metabolism has slowed down, think they might have hormonal imbalance and can’t lose weight no matter what they do.

Good morning! Happy Friday! Rumor has it that the temperature is supposed to hit nearly 70 degrees here in Boston today! Wahoo! Heat wave! 😎

Hopefully, the warm weather will inspire me to buy some new fresh flowers. I think my daffodils have seen better days. 

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I’m not sure if it’s the nicer weather or what, but I cannot get enough smoothies in my life! They are just so good!

For breakfast, I paired a Coffee-Banana Smoothie with a piece of whole grain toast with almond butter spread on top. I actually ended up drinking two smoothies since I made so much. My stomach is full now! 😯

Coffee-Banana Smoothie

Makes 2

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As you probably know, I’m all about saving money, and I’ve written about how I stretch my dollar on CNC a number of times in the past:

And here are a few more ways that I get creative with my spending!

Citi Cash Back Card

Ok, let me start off by saying that I am not encouraging anyone to go out and apply for a new credit card. I’m just telling you what works for me. I only spend what I know I can afford and pay off my credit card in full every month.

With that said, my Citi Cash Back Card pays me to use it. For everything I charge on it, I earn cash back. Not points, but cold, hard cash. So, every few months (based on my spending), I get a check in the mail for $50 for just using my credit card. To me, it’s like free money. I’m going to spend the money anyway, it just goes on my credit card first before I pay it off, and my credit card rewards me for it.



Ebates is awesome!!! It’s my favorite tool for online shopping. You can find thousands of coupons, promo codes, and discounts on their site, but, better yet, you get cash back savings with online rebates.

Last week, for example, I went on a mini online shopping spree. I bought a couple of books from Barnes & Noble, some Invigorating Night Gel from Sephora, and a pair of Rainbow Flip Flops from J.Crew. Holy shopping bug!

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I logged into Ebates and just clicked through to those websites and placed my order as usual, which earned me 4-6% back on my purchases. It wasn’t a ton of money back this time, but in the past, I’ve purchased a computer through TigerDirect and plane tickets through Expedia, which definitely adds us. Again, Ebates pays straight up crash by check or PayPal, so you don’t have to deal with redeeming points and all that jazz.


CVS Green Bag Tag

I don’t know about you, but I shop at CVS a lot. There are two locations super close to my house, so anytime I run out of something, I go there to buy it. I already use the CVS ExtraCare card to save, but the Green Bag Tag is also a great money-saver since I always have a reusable bag with me or I just carry out my purchases. (I hate using plastic bags.)

For every 4th visit to CVS, you get $1 extra buck for using your Green Bag Tag. I shop at CVS a ton and bring a bag with me every time, so it’s easy for me to rack up those dollars. Even more incentive: CVS will donate 5 cents to World Wildlife Fund for every Green Bag Tag sold until the end of this month.


Eversave Giveaway

Thanks to everyone who entered yesterday’s giveaway to win a Save to Antico Forno! Here’s the winner: Kate!

Kate March 17, 2011 at 1:21 pm

Definitely the GNOCCHI DI PATATE-you can’t go wrong in the North End :-)

Congrats, Kate! Please email me at to claim your prize!

Question of the Day

How do you get creative with your spending?



  1. I will have to try that esavers website! I’m always finding deals but I just don’t use them enough. Maybe it’s me being lazy. But lately, since we’re trying to save for a house, I’ll definitely have to get into that practice.

  2. I always do a google search for “coupon code+name of store” before I check out online. It usually comes up with a valid code that others have posted online. Things like free shipping, % off, BOGO…

  3. Hey not sure if anyone else has had this issue, but OpenSKy has killed my computer twice. I had to re-boot. I really wanted to try the Garlic Gold but totally lost interest with the technical difficulties…

  4. Great tips! I like to save money by 1) buying whatever food is in season and on sale, then planning my week around it, 2) using for things I buy frequently–with Amazon prime you get free 2-day shipping, and 3) limiting eating out. I also have a cash-back credit card through Costco — there’s no limit to what you can get back so last year I got $600 back! Most cards have a limit.

  5. Thanks for the ebates info. Too bad you can’t get credit for all of the people that will sign up this because of you.

  6. Hi Tina! I was wondering if the CVS in Boston are self-checkout? Here in L.A they are and well shelf-checkout is really bad. I won’t shop at CVS anymore because of this. We need as many jobs as possible here in Cali and CVS want’s to take them away. My brother’s friend worked at CVS for 4 years and was recently laid off because now that they have self-checkout, they no longer need his services. They are also very anti-union.Just wondering if you knew:)

  7. I totally save a lot with my Rite Aid savings card. Im at the gold level (which took no time at all) and save at least 20%-30% on EVERYTHING IN THE STORE!

  8. Coupons are how I save money – my local grocery stores always double up to 99c, and often run coupon promos where they triple them or double larger coupons. Plus a lot of stores, including Whole Foods, Target, and a lot of drugstores, will allow you to stack a store coupon with a manufacturer one, which can really increase savings (and there are websites you can use, such as, that do all the work for you comparing coupons and sales and list where the deals are). Just takes a little time clipping and organizing each week and I end up getting a lot of grocery and drugstore items for free or just a few cents!

  9. We actually just started using our Credit Card this week for daily purchases. I got it a few weeks ago and when I activated it the lady told me that it’s 1% cash back for every purchase and each month they have “specials” that are 5% cash back. .. Like you said, we are going to spend the money anyways, so we might as well get paid to do it. Our bank offers “points” when we use our card as credit, but it’s so minimal and it takes forever to add up that I think using our Credit Card will be a better option.

    How do you keep track of what you put on your card vs. what’s in your bank? Does that make sense? Like, you would balance your check book, but how do you make sure you don’t over spend on your credit card?

  10. This is a slightly different kind of tip, but I think of things in terms of time rather than money. I find that it’s easy to fall into the trap of “this only costs X dollars”. So instead of asking myself “is this worth X dollars?”, I now ask myself “am I willing to work for X hours in order to have this?”. It’s surprising how often the answer is no!

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  12. I’m already a member of ebates! But I do agree – ebates is awesome!! I use it all the time for my online purchases.

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  14. I actually just got the Citi card a month ago… and just got a $100 check in the mail for spending $500 in the first 3 months. (Like that was hard) LOVE this card!

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