Shoppin - I understand your problem with this, but I don't understand how you can effectively do this if you don't spend some money on the shops. I don't for a minute think the MSCs are going to change the way they reimburse for outlaid money by covering it up front. That would be a self induced nightmare.
What I have done is arrange my work so I don't have much unnecessary outlay that I wouldn't have spent anyway. In February total outlay on my shops was $167.95. Here is how it broke down:
Money I would have spent anyway:
72.15 - Gas - Ordinary household and work outlay
29.00 - Groceries and household items
24.80 - USPO shops - I used these shops to mail personal packages
Money I spent for which I got a partial benefit:
10.00 - Spent at 2 retail shops, got something I can use
20.00 - 2 casual meals, worth about $10 to me. I prefer to eat at home.
12.00 - Inside purchases at 12 gas stations - Soda, Coffee, Candy
I spent a total of $42.00 during the month for items I would not have purchased on my own but which were still partially beneficial. I will be fully reimbursed for these items.
Fees alone for the month were $822 (I shop part time). I spent just a tad over 5%, which will be fully reimbursed, buying items which I would not have bought anyway. The beauty of the program is I will be reimbursed in full for my total outlay of $167.95.
Possibly you are concentrating on shops where you have large outlays, like fine dining, and then you have to wait a long time to get your money. If you want to reduce the money you spend shopping, you can do different types of shops that require less money to be spent. I cannot see any way to shop without spending at least small amounts of your own money up front.
Mary Davis Nowell. Based close to Fort Worth. Shopping Interstate 20 east and west, Interstate 35 north and south.