Loyalty schemes were supposed to make life simpler.
Instead, they’ve turned every checkout into a moment of panic as you scramble in your phone or purse, vaguely conscious that you have discount eligibility or that points are expiring. If you’ve ever fumbled with your phone at the front of a queue while someone sighs, this one’s for you!
1. Pick Two To Start, Not Ten
Most retailers have a loyalty program now, but that doesn’t mean you need them all to get yourself started. Choose one for essentials (Tesco Clubcard, Asda Rewards, Nectar) and one for extras (Boots Advantage, Superdrug Health & Beauty, Costa Club), and build up from there.
2. Keep It in One Place
Aggregator apps turn chaos into calm. Keep it simple! Apple Wallet and Google Wallet work fine, and if you are using screenshots make sure you create a designated phone album.
3. Set Expiry Reminders
Brits lose millions of points every year because they simply forget they exist. Phone calendar or Apple Reminders are perfect for keeping track. Protect all that quiet effort.
4. Read the Fine Print
“Exclusive deal” doesn’t always mean deal. Avoid spending more to save less, saving £2 on something you didn’t need isn’t saving. Real value is spending deliberately, not reactively.
5. Redefine “Value”
The trick isn’t chasing every reward, it’s mastering a few, then building a confident mindset of entitlement coupled with strong habits to keep you on track.
Happy saving!
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