Reply to: IPSE Plus

[PerfectStorm]

Each to their own, but your analogy doesn’t work. I don’t like wasting money, but I can’t be bothered with that level of nonsense to save 5%. Technically, they could probably implement something much simpler like registering a card with Perkbox.

They did used to have a reloadable card per supermarket that I much preferred as I could just always top it up when it went under £100. But they took that away, so I buy £500 vouchers instead.

Good contractors know a small bit of admin every couple months is worth the trouble

[ladymuck]

I refer you to "close".

Obviously, YMMV. Personally, I would rather focusing on what's coming in than what's going out.

As you can tell from my posts above, I don't exactly go out of my way to chase down the savings either

[jamesbrown]

If it were zero effort, we'd all do it.

I refer you to "close".

Obviously, YMMV. Personally, I would rather focusing on what's coming in than what's going out.

[ladymuck]

Saving money nearly always involves effort. If it were zero effort, we'd all do it.

That's why retailers issue vouchers or discount codes that you have to actively remember to use rather than automatically applying discounts.

[jamesbrown]

That exists for certain suppliers - I got £20 in my perkbox wallet from my Christmas vino purchase (which I then used to purchase a tesco voucher...)

If they went this route more generally, I would register (and then probably never spend the winnings ) because that is close to zero effort, which is where it needs to be.

[mudskipper]

Each to their own, but your analogy doesn’t work. I don’t like wasting money, but I can’t be bothered with that level of nonsense to save 5%. Technically, they could probably implement something much simpler like registering a card with Perkbox.

That exists for certain suppliers - I got £20 in my perkbox wallet from my Christmas vino purchase (which I then used to purchase a tesco voucher...)

[jamesbrown]

Yes you do but you can make it very easy on yourself - don't buy the vouchers to-order per shop, buy the maximum amount (e.g. £500 sainsburies) and store it in the Wallet app on your phone or Books app or similar as a PDF. You then just scan that, drawing down as you go, until you need your next £500 block.

Saving £5 on £100 is the same as picking up a fiver off the pavement each time you do it - and I bet you wouldn't ignore that.

Each to their own, but your analogy doesn’t work. I don’t like wasting money, but I can’t be bothered with that level of nonsense to save 5%. Technically, they could probably implement something much simpler like registering a card with Perkbox.

[PerfectStorm]

I think you have to pre-purchase vouchers or something in order to get ~5% off. If you can be fecked, I suppose. But I guess that is how it works more generally too - personally, I cannot be fecked with purchasing vouchers.

Yes you do but you can make it very easy on yourself - don't buy the vouchers to-order per shop, buy the maximum amount (e.g. £500 sainsburies) and store it in the Wallet app on your phone or Books app or similar as a PDF. You then just scan that, drawing down as you go, until you need your next £500 block.

Saving £5 on £100 is the same as picking up a fiver off the pavement each time you do it - and I bet you wouldn't ignore that.

[ladymuck]

Do you not use a supermarket for food? I reckon most people could at least use that

I have to admit to being very lazy and I don't pre-buy the vouchers for day to day spending. I only occasionally remember about Perkbox for other spending too.

[mudskipper]

I think you have to pre-purchase vouchers or something in order to get ~5% off. If you can be fecked, I suppose. But I guess that is how it works more generally too - personally, I cannot be fecked with purchasing vouchers.

yeah I print vouchers that I use at Tesco express. Saves 4% I think, but also makes paying very easy - wave the voucher in front of the scanner. Probably save 50-100 a year using it (more if I could persuade Mr ms that paying with vouchers doesn't make us look desperate!), plus a big purchase or two from curry's, + the odd MGM amazon voucher

https://www.ipse.co.uk/joinme/066626/ for £50 off for you, and £50 for me

[jamesbrown]

Do you not use a supermarket for food? I reckon most people could at least use that

I think you have to pre-purchase vouchers or something in order to get ~5% off. If you can be fecked, I suppose. But I guess that is how it works more generally too - personally, I cannot be fecked with purchasing vouchers.

[PerfectStorm]

Agreed, but I know people who have covered a couple of years' membership costs with Jury Service cover, and one ex-chairman claims to have used Perkbox well enough to pay for ten years' worth...

Never used either in my case, to be fair, but then I haven't needed to. Bit like most benefits in fact.

Do you not use a supermarket for food? I reckon most people could at least use that

[malvolio]

At the end of the day it's an insurance package and, like all insurances, its value to you is determined by your attitude to the risks the package is covering.

There's things like perkbox and a few other bits that help you offset the cost of membership if you choose to make use of them but they're only good if they relate to things you'd do anyway.

Agreed, but I know people who have covered a couple of years' membership costs with Jury Service cover, and one ex-chairman claims to have used Perkbox well enough to pay for ten years' worth...

Never used either in my case, to be fair, but then I haven't needed to. Bit like most benefits in fact.

[ladymuck]

At the end of the day it's an insurance package and, like all insurances, its value to you is determined by your attitude to the risks the package is covering.

There's things like perkbox and a few other bits that help you offset the cost of membership if you choose to make use of them but they're only good if they relate to things you'd do anyway.

[PerfectStorm]

Whilst I don't think all their benefits are benefits (death in service cover, or if you're off hospital for 2 weeks we'll give you tuppence ha'penny....)

If you buy all your supermarket shopping with their vouchers and use their 10% hotel discount on the big resellers it's just about worth it. Plus, I've been investigated, and they were great for that too.