Your counting your +up rewards twice. You should only count them once either when you earn them or use them. That way you know what your real savings are.

For myself I count them when I earn them as “money” I get back so when I use them I consider them as money spent.

Ex. $32 – (4)$1 MQ = $28 – $10+ up earned for buying Scott = $18. You just used previous +ups to lower your real money oop.