A note on how I spend my ECB’s: I will only spend as many ECB’s as I earn so I won’t ever “lose” ExtraBucks. But if I can whittle my total down with coupons so I don’t have to use as many ECB’s as I’m earning, then I “earn” ExtraBucks.
For example, if a bottle of shampoo costs $3.00, but you earn $3.00 ECB’s when you buy it, then I justify using $3.00 ECB’s on that shampoo when I buy it. But if I have a coupon for that shampoo, say $1.00 off, then my total would only be $2.00, so I only have to spend $2.00 ECB’s, but I still earn the $3.00 ECB’s. That is how you make ExtraBucks, essentially making money (ECB’s are as good as cash at CVS!).