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Intro to Couponing: Volume 2- Gather Your Troops

I imagine that most of you are coupon newbies who are just starting on your quest to reduce your grocery budget. For many families, groceries are the largest weekly expense, so it is the most obvious place to begin your journey and my explanation. There are two basic types of coupons: manufacturer and store coupons.

Manufacturer Coupons

Product manufacturer’s want you to try their products. They want you to buy them and become addicted and keep buying so that they stay in business. That is why they release coupons. They are hoping that you will use the coupon to buy your initial purchase, then continue to buy it at full retail and I can’t say that they are too far off of the mark with a majority of American shoppers. Companies like Procter & Gamble, Betty Crocker, Kraft, Pillsbury, Kellogg’s release coupons that can be redeemed in stores which sell the product. Most coupons have a life of two or three months before they hit their expiration date, so often it is a better idea to hang onto your coupons for a little while until you can find a sale or a store coupon to match them up with. I’ll cover this idea (multiple coupons, or “stacking”) in the next volume.

You can always identify a manufacturer coupon by specific markings. It will saying with “Manufacturer coupon” or “MFR” at the top, followed by the expiration. The best and most reliable place to find manufacturer coupons is in your Sunday newspaper. I know you’ve seen them, those glossy inserts folded in with the ads. Those are your new best friend and you will need them if you want to save 50% or more on your next grocery trip. Coupons are distributed by companies like RedPlum, SmartSource, Procter & Gamble, Unilever, and General Mills. A multitude of different product coupons can be found in these inserts from cereal to deodorant to razors to diapers. Save them and NEVER ever throw coupons away. You may say, “But I don’t buy this brand,” or “My kids don’t like this type”. Just do me a favor and NEVER throw them away.

There are of course other ways to obtain coupons. One of the easiest and most obvious mediums for manufacturer coupons is called peelies You’ve seen these before, stuck to the front of a product so that you can “peel” it off. You don’t even have to buy the product in order to take the coupon! Additionally, you can find tear pads, pads of manufacturer coupons inside the store, and blinkies which are the little red machines attached to the shelves that “blink” and spit out coupons.

And now, the my favorite alternative method, printable coupons! The market is become flooded with printable coupons, largely in part because many shoppers spend a large chunk of time on the internet (myself included!). Companies like SmartSource and RedPlum have created systems from which you can pick and choose which coupons you decide to print and which to pass up. A word of caution, printing can use up a LOT of resources, especially if you don’t have your printer set-up properly. Make sure that before you print your coupons, set your printer to “fast draft” and “greyscale” to avoid using up more ink than you need to. Remember, you only need the scanner to read the coupon. It doesn’t have to win any beauty contests.
Here are a few links to get you started:

And if that wasn’t enough, you can even load coupons directly onto your store loyalty card. You don’t have to print, clip, or file. Here are a few sites for ya:

Store Coupons

Store coupons look a lot like manufacturer coupons except instead of MFR, they will say “Store Coupon” or “Redeemable Only at Walmart” (for example). These have been issued by a particular store and can only be used in that particular store in most instances. These can be found in the Sunday inserts, in the stores’ weekly ads, or even on their websites. Often, these coupons do not last for more than a week or two, so it is important to take advantage of them as soon as you can.

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Intro to Couponing: Volume I, No Such Thing as a Free Lunch

Baby boy putting money in piggy bank

I know who you are. Heck, I was you. You’re trying to save money; we all are. Our money isn’t netting us what it used to and maybe things are getting tight. You’re managing to squeak by, but maybe things aren’t going as smoothly as you’d like. Perhaps you’ve tried using coupons before, but you just didn’t find that it was worth it. $.25 off here, $.50 off there. Is it really worth the effort?

You’ve seen them, the ladies who have loaded up an entire cart full of groceries and after handing over their stack of coupons to the cashier, they walk out of the store having only shelled out a few dollars. What are they doing that you’re not? They know the strategies, the skills, and the methods that net the maximum amount of savings.

I’m going to teach you step by step what you need to do to be exactly like those ladies, like me. When I’m done, you’ll be the one that people ask, “How did you do that?” and you’ll just smile because you will be proud of the changes that you’ve made in your lifestyle, enabling yourself to make your dollars work for you, not the other way around. Are you ready to learn to take control of your finances and make more money each month for your family?

No, I’m not a financial guru. I’m a regular person, just like you. I’m a work-at-home mother to a crazy, smart, and beautiful toddler and a wife to my high school sweetheart. We live in a modest apartment in Central Texas and drive cars that aren’t the newest or even the most beautiful. What makes us special? We’ve learned to make our income work for us. Through my quest into the world of couponing, I’ve been able to save my family THOUSANDS of dollars, I kid you not. I have an apartment-sized stockpile of shampoo, soap, deodorant, razors, shaving cream, toilet paper, laundry soap, paper towls, baby wipes, and much much more than I barely paid a dime for. Heck, most of it was even FREE. How did I manage this? That’s what I’m going to teach you.

First of all, if you are reading this, I assume that you don’t think like this, but hey, maybe you do. Couponing doesn’t make you a cheapskate or a miser. It doesn’t mean that you’re less of a person and it certainly doesn’t say anything about your social status. You don’t have to be poor to coupon. It is not something to be embarrassed about and it certainly isn’t something to be looked down upon. Coupons are for anyone who wants to do something with their money other than handing it over to a big corporation who will then give it over to their multi-millionaire CEO’s in the form of a MASSIVE bonus. Couponing isn’t about doing it because you have it, it’s about learning to take control of your budget and creating opportunities for yourself and your family that you never dreamed could happen.

I am not going to lie to you, folks. Couponing takes planning and organization. You can’t walk into the store with a handful of random coupons and expect to net the big savings. Lazy shoppers don’t save. We all are guilty of desiring instant gratification; we want it when we want it. I’m not going to try to tell you that I don’t find myself falling into that same temptation, but you’re never going to find the deals you’re looking for if you aren’t willing to sacrifice a little bit of your time and efforts. After all, as economists say, “There’s no such thing as a free lunch.”

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Coupon Essentials: What You Need to Start Saving

coupon-clipart

By Josh Elledge, Chief Executive Angel, SavingsAngel.com

Coupon essentials: What you need to start saving this week

Are you ready to start saving 50 percent or more off your groceries each week? There is no time like the present to start couponing and you may be surprised at how little you need to get started. Here are the essential tools every couponer needs to be successful.

Essential couponing supplies

These are the must-haves you need to be successful at couponing. Watch for future columns in which we’ll go through some of these items, such as storing coupons, in greater detail.

·      Coupon inserts – These are the coupons that come in the Sunday paper. The best way to get them is to subscribe to your local paper since newsstand issues can sometimes be missing inserts. You can also get inserts by asking non-couponing friends and neighbors to save theirs for you.

·      Scissors – You need a pair of good scissors to cut those coupons from the inserts!

·      Internet access and a printer – At one time, newspaper inserts were the main source of coupons. However, today, you’ll find many of the best coupons online. To stretch your printer ink longer, consider printing in ‘draft’ or ‘quick’ mode.

·      Storage system – At SavingsAngel.com, we recommend you don’t clip coupons until you plan to use them. To store your coupons until then, we suggest slipping the inserts into a plastic binder insert and writing the date on the front. However, even using this method, you may find you occasionally clip coupons that you don’t use right away. Have separate binder pages (the ones made for baseball cards seem to be the right size) to store those coupons or put them in a coupon organizer or box.

·      Weekly ads – You’ll need to get the ads so you can match the coupons to sale items. You can get the ads in your local newspaper or grocers post their ads online too.

·      Loyalty cards – Increasingly, retailers are requiring to customers to sign up for their loyalty cards in order to get sale prices. Kroger, Rite Aid, Walgreens, CVS and Spartan Stores are just a few examples. Visit the customer service desk of your local stores to get your loyalty cards.

3 extras that make couponing easier

While the items above are all you need to start saving successfully, there are three more items that can make couponing a breeze.

1.     Couponing command center – It’s best to have all your items in one place to make it easy to coupon whenever the mood strikes. If you have a desktop computer, keep all your supplies by the computer desk. If you have a laptop, create a moveable command center such as a basket or bin that includes your inserts, coupons, ads and scissors. Then you can easily move your supplies to the living room or wherever else you prefer to clip and sort.

2.     Coupon database – Couponing can be tedious if you have to flip through every insert to find coupons to match with sale items. However, online databases make it easy to find exactly where to go for the coupons you need, whether they are in an insert or online. Our SavingsAngel.com database automatically pulls the coupons you need as you create your shopping list. Then you can print up a list of the insert coupons or click the links to go straight to printable coupons. Other discussion boards and blogs may have their own databases too.

3.     Online community – Finally, couponers are a social bunch and love to answer questions, share tips and alert others to the great deals they find. You can find online couponing communities on discussion boards, blogs and Facebook. Our Angel Community at SavingsAngel.com has more than 40 store-specific boards as well as general couponing forums for members to share couponing information and ask questions.

And there you have it. Gather a few supplies, buy the Sunday paper and you are ready to start saving!

The most important thing SavingsAngel saves you… is time!

The best couponers save hundreds of dollars every month at the grocery store. However, couponers can end up living very extreme lifestyles to get those savings. For over six years, SavingsAngel.com has equalized the playing field – giving extreme savings to busy families who don’t have the time or ability to be an extreme couponer. Each week, SavingsAngel.com’s team of more than 70 angels combines over 2,000 products on sale at local grocery and drug stores with an enormous database of over 2,000 different manufacturer coupons.   These combinations result in our members getting access to over 300 products each week for 50% off or better. Simply log in, choose the deals you want, print or clip only the coupons you need, and save hundreds of dollars a month at regional and national stores. Our angels will personally work with you to craft a plan that will help you buy healthier food at lower prices – helping you keep $200 to $400 in savings each month.

Josh Elledge is the Chief Executive “Angel” of SavingsAngel, Inc. – launched from his Holland, Michigan home in January 2007.  A husband and father of three, he now appears each week on television, many radio stations and newspapers, teaching families how to cut their grocery bill in half using the Internet.  Elledge created the technology found on SavingsAngel.com through the desire to save his own family’s money.  Successfully able to cut his own grocery bill from $600 a month to less than $300 a month, his message has reached hundreds of thousands of families.  SavingsAngel.com is now growing rapidly throughout the country.  You can watch a short video at SavingsAngel.com that will explain more information about how to cut your own grocery bill in half with the help of SavingsAngel.com.

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5 Easy Ways to Save Money

With the average household credit card debt in the USA rising to over $15,000, it is more crucial than ever that Americans learn to save their money, not just spend. Saving is perhaps one of the most difficult things to start, but once you do, it can be easier than you think, especially when you have something worth saving for. Are you trying to save for a down payment on a house, your children’s college educations, your retirement, or just trying to get yourself out of debt? All of these are critical reasons to stop spending money and start squirreling it away into a bank account.

Take a look at these simple and easy tips. I can guarantee you that you have not yet tried tips that I am about to toss out at you here, so take a look and see what else you can do to save.

1. Cook your meals at home: It seems like it might be the most obvious thing in the world, but you and I both know how easy it is to fall into the “I’m too tired to cook” or “We don’t have anything in the house” routine. If you typically eat out once a day, but instead pack a lunch, you will be able to save about $15-20 per week per person, totalling to $780-1040 per year! Holy cow!

2. Make a list before going shopping: I can’t even tell you how crucial this is! When lists are not made and abided by, shoppers tend to buy on impulse, thus spending more than they would have on things that they don’t really need. Worse than that perhaps is when you forget to buy an item that you really needed and have to make a subsequent trip back to the store.

3. Make your morning coffee at home: I don’t have to tell you that skipping the morning coffee would put a HUGE + on your bank account. For some of us though, the idea of skipping this morning pick-me-up would simply be impossible, even facing the $20 per week savings or $1040 per year, that you would be able to save. Most of us have a coffee maker, even if it hasn’t seen use in a while. Try making your coffee at home and buying some flavored creamers to help give it that coffeehouse gourmet flavor.

4. Be conscious of your bank account balances: My husband and I fell into this trap early in our marriage. We did not keep close enough track of our bank account balances and often found ourselves overspending and facing WAY more overdraft fees than we had the ability to pay. Each time we overdrew our account, it could cost anywhere between $15-40 depending on the bank’s particular policy. It was bad enough once that we owed the bank over $300 because of a string of transactions that posted before a direct deposit. VERY BAD situation that took forever to resolve. Moral of the story is to watch your bank account and if you don’t have the money, don’t buy it!

5. Ditch your land line. Unless you have younger children or elderly in your home who are unable to use a mobile, you don’t need to keep paying the monthly bill that your landline entails. My husband and I have been mobile-only since 2008 and we are loving it! We’re always able to get in touch with each other and we don’t have to worry about the telephone ringing and waking up the children.

What are your simple tips to start saving money?

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Not Finding Us in Your Facebook News Feed?- How to Make an Interest List

Missing Young Mom’s Deals from your Facebook news feed? Because of a new method that Facebook has implemented to help you see only what you are most interested in in your news feed, you will need to add Young Mom’s Deals to your Interest Lists. How do you do that? Here’s how:

  • Go to our Facebook page and like us if you haven’t already.
  • Click on the gear icon to access the drop-down menu as shown in the image above.
  • Click “Add to Interest Lists”.
  • Create a list with just my page or other coupon blogs that you like.

Now, you’ll be able to see Young Mom’s Deals posts easily and will never miss a post!

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Intro to Couponing: Volume 3- Applying Your Knowledge

Now that you’ve gathered your coupons as discussed in Volume 2, it’s time to learn to use them! I’m sure this is what you’ve all been waiting for. How do you use your coupons to achieve maximum savings at the grocery store? How do you go from a $.50/1 coupon to getting the item for FREE?

Let’s start with an overview of the formatting that is used on most of the couponing blogs that you will be viewing. Here is an example:

Buy (1) 12oz bag of M&Ms- $2.50
Use $1.50/1 Store coupon exp. 3/24/12
AND use $1.00/1 M&Ms coupon SS 4/7 exp. 5/15/12
Final Price= FREE

In the above example, you will be using two coupons on one item (called stacking) to get the item for free. “But, Robyn, the coupon says only one coupon per item! Are you teaching us to cheat?” Take a deep breath, Couponista. I would NEVER advocate coupon fraud. Yes, the coupon says 1 coupon per item, but it is allowable to have 1 manufacturer coupon (MFC) and 1 store coupon per item. I bet most of you didn’t even know that!

So in the above example, a 12oz bag of M&Ms is on sale for $2.5o. There is a store coupon for $1.50/1 bag of M&Ms, making the current price only $1.00. This in itself is a good deal, but to make it a GREAT deal, you just found a $1.00/1 M&Ms MFC in your Smart Source Insert from 4/7. Using both of these coupons, or stacking them, makes your bag of M&Ms completely FREE!

Check out this example below. This is is a little bit more complicated, but you can handle it!

Buy (2) 12oz bags of M&Ms- $2.50 each
Use (2) $.50/1 M&Ms store coupon
And use (2) $1.00/1 M&Ms coupon SS 4/7 exp. 5/15/12
OOP= $2.00
Get a $3 Catalina
Final Price= FREE + $1.00 overage

In the above example, the M&Ms are the same sale price of $2.50, but your coupon values are a bit different. The store coupon is for $.50/1 and the MFC is $1.00/1. The store is also running a deal where if you buy 2 bags of M&Ms, you will get a $3 catalina store credit back (Register Rewards at Walgreens or ExtraCare Bucks at CVS). In order to maximize our savings, we’re going to buy 2 bags of M&Ms and use multiple coupons. You will need 2 store coupons and 2 MFCs (1 of each for each item). After coupons, your out of pocket (OOP) total comes to $2.00. So, you will spend $2.00 on 2 bags of M&Ms and get back a $3 store credit. That makes your M&Ms completely FREE + you will have $1.00 left over from your Register Reward. That is the best kind of deal because you will have $1.00 to spend on anything else!

It’s a lot to take in at first, but it will become easier as you practice. Soon, you’ll find that couponing is second nature to you!

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