Efficient shopping not only saves you money but also time and energy. Here's a guide on how to plan your purchases more efficiently:

**1. Make a List**: Whether you're shopping for groceries, clothes, or electronics, making a list beforehand is crucial. It helps you stay focused, prevents impulse buys, and ensures you don't forget anything.

**2. Set a Budget**: Determine how much you're willing and able to spend on the items you need. Sticking to a budget prevents overspending and helps manage your finances effectively.

**3. Do Your Research**: Before making any significant purchase, research the product online. Look at product reviews, compare prices, and verify the credibility of the retailer. 

**4. Use Price Comparison Tools**: Websites and apps like Google Shopping, PriceGrabber, and CamelCamelCamel can help you find the best deals for the item you wish to purchase.

**5. Look for Coupons and Deals**: Websites like RetailMeNot and apps like Honey can provide discount codes, coupons, and deal alerts, helping you save more on your purchases.

**6. Consider the Timing**: Some items are cheaper at certain times of the year (for example, seasonal clothes, holiday items, etc.). Planning your purchases around sales periods (like Black Friday, Cyber Monday, or end-of-season sales) can help you save a lot.

**7. Buy in Bulk**: For items you use regularly, consider buying in bulk to take advantage of lower prices per unit. 

**8. Make Use of Loyalty Programs**: Many retailers offer rewards or loyalty programs that can provide further discounts, cashback, or other benefits.

**9. Plan for Unexpected Purchases**: Always leave some room in your budget for unplanned but necessary purchases. This way, such expenses won't throw off your entire budget.

**10. Review Your Purchase Habits Regularly**: Keep track of your spending habits and review them regularly. It helps to identify areas where you might be overspending, and placing where you could save more.

Remember, efficient shopping isn't just about buying what's cheapest. It's about making smart, conscious decisions that save you money while still getting you what you need and want. So plan ahead, stay focused, and shop smart!

Absolutely, loyalty programs and rewards systems can definitely provide significant savings over time. Here are some popular ones:

**1. Amazon Prime**: If you frequently shop from Amazon, the Prime membership offers free two-day shipping on eligible items, Amazon Video streaming, and exclusive deals. 

**2. Target REDcard**: This card grants you a 5% discount on eligible purchases both online and in-store, free shipping and extended return periods.

**3. Costco Executive Membership**: For an annual fee, you get 2% cash back on eligible purchases along with access to lower prices on a variety of items.

**4. Walmart Plus**: This membership includes free shipping with no order minimum, discounted fuel at Walmart gas stations, and a "Scan and Go" feature in the mobile app that allows you to scan your items while shopping in-store which helps save time at checkout.

**5. Best Buy's My Best Buy**: This program gives you points for every dollar spent, which you can redeem for future purchases. They also offer members-only sales and events.

**6. CVS ExtraCare**: You earn 2% back in rewards every time you shop, and the rewards can be used on most items in the store.

**7. Sephora Beauty Insider**: This program offers points for each dollar spent, which can be redeemed for products. Members also receive a birthday gift and access to member-only sales.

**8. Starbucks Rewards**: Each purchase earns you stars, which can be collected and redeemed for drinks and food.

**9. Panera Bread  s MyPanera**: It's a free program that offers rewards like free food or beverage items after a certain number of purchases.

Remember, it's important to only sign up for programs at retailers where you already shop frequently. You don't want to create a temptation to spend more just to earn rewards. In addition, many of these programs have apps that allow easy access to discounts and an easier way to keep track of your savings.