When I first started mystery shopping, I was in similar circumstances to supersavvymommy. Both of my kids have disabilities. One son's were so severe I wasn't able to work even a steady part-time job. My at-home business was slow due to an industry-wide recession, and I was in semi-retirement from my other self-employment career. Things were tough.
I took low-paying jobs as a way to "get in" with some MSCs that have a lot of shops in my area. I needed any extra amount of money I could get. I'd drive distances for what I thought were decent bonuses. I did the local $10 cell-phone shops, and took some that were, say, 10 miles out of my way (one way) for $15 or $17. I thought at the time that was good. As it turns out, though, the MSC I wanted to get in "good with" as a way to get better jobs have no better jobs near me and have even stopped offering bonuses on the local ones they do have. So much for that idea!
Although my cash flow "seemed" better, I got my calculator out and started trying to pinpoint my profit. As it turns out, I was losing money on some of these jobs when I factored in actual gas expense and my time. So, I changed my parameters for taking jobs. Now, both sons' health issues are more stable, and I can work a regular part-time job. Both my businesses are doing better, especially since I've come out of semi-retirement on my marketing communications and writing business. But I still can use any extra money I make from mystery shopping! I've signed up with many more companies, and am finding higher-paying jobs local to me. I'll never do another $10 cell-phone shop! (Unless, just maybe, I'm in the store anyway and it's a 10--minute shop and 10-minute report).
I see cell-phone shops at $6 and $9 from a certain company. I, personally, don't see how anyone can make a profit at that, even if the store is across the street and there is no expense involved. We have to put some sort of value on our time. Better, imo, to find a $17 or $18 shop and do one of those instead of two of the others.
As far as shops like what AA offers, I totally agree with supersavvymommy. We do one for them that would cost us a lot of $$$ for a family of four. The shop helps a lot. And we used to love doing the B-Dubs shop because otherwise, we'd probably never go. So, for some families, a reimbursement with no fee or small fee is the only way they can enjoy some activities. Even now, we still can't do everything it is we'd like to. Those shops make it possible for us to do so, and are worth it, even with the reporting requirements.
But I'd caution anyone who takes these very low-paying jobs because they really, really need the money to think about the time involved and ask themselves: "Could I be doing something else with the same amount of time that would generate more income?" I think we shoppers sometimes look only at income vs. hard expense, and we don't actually put a monetary value on our time. "Oh, I have $10 in my pocket I didn't have before, and I only spent $1 in gas, so I made $9." But how long did it take to make that $9?
I learn something new every day, but not everyday!
I've learned to never trust spell-check or my phone's auto-fill feature.