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I would subtract it out of both. That's what I do when I use a gift card. It's counting it twice but since we all do it the same way, it works out in the end. For instance, when I bought my WAG rebate items, I added what I'd get back into the savings. In fact, I added an additional 10% because I get that much back on the WAG GC. Then whenever I use the WAG GC, I put $0 for my OOP and add the amount into savings since I technically didn't spend any money. It's double counting but it works for me!
I think it's really up to your discretion. I don't think anyone minds one way or the other. I'm in no danger of ever winning so no one could ever have a beef with the way I do it. My 25% savings is rockin' no one's socks.
I don't count the rebate amount (or CVS ECBs) until I spend it. Then I count it as a "coupon." I think CVS tries to trick me into buying things by counting the savings when you buy the item. But since I'm laying out the cash, I don't count consider it savings until those ECBs diminish my actual out of pocket.
im with ya. I dont like that advertising either.
I think it is deceptive sometimes. I also use them as coupons so I put it in the challenge as a lower OOP but left the savings. I just dont like to cheat in the challenge
I put my WAG and other rebates in my savings (more as a way to keep track of them than anything else), but I list it separately form the sale, coupon savings. I don't put in anything for the EB until I spend them, then I count it as savings.