Use them or lose money, there is no way around the loyalty program concept.   What really matters is maximizing the benefits. Two ways to enhance your savings – when ever possible stick with one program for every category type i.e. food, office supplies, hotels, air travel and give them your email address (set up a seperate account for deals if necessary) so you receive up to the minute offers. Here are the no fee programs the Frugal Diva likes best and why. Staples – They give you $2 for every used printer cartridges and a percentage of purchases in…