You’ve seen the ads proclaiming, “Go digital and save even more!” To do this, though, you must have a smartphone. According to Consumer World founder Edgar Dworsky, shoppers who don’t use a store’s loyalty app may pay two to three times more for a sale item.

Some stores offer “clip or click” coupons that give shoppers the choice between paper and digital versions. Every week, you can click on a deal within the app or clip a paper coupon out of the weekly flier.  If privacy is a concern, Schwartz suggests gathering a group of friends and joining a loyalty program with a single phone number and email address.

Read Full Article: Annoyed by grocery store loyalty apps? How to save anyway