5 Frugal Tips I Learned

This past week our live Webcast guest Tiffany Dirks from www.glammore.com shared 5 frugal tips to assist us in becoming Strategic shoppers and live a frugal lifestyle the glamorous way.

1. Get the newspaper! 

It is the #1 source of coupons.  You need it to be successful!

Get 1 paper/person in your home that way when there are stock up opportunities you can create a manageable {what you will use in a year's time} stockpile, shop from yourself, and PAY yourself! 

Don't we all want to spend our money on things that we WANT!?

SIGN UP HERE

 

To read the rest of Tiffany's frugal tips click here.  Be sure to check out her website and  Become Shoppertunistic classes she offers filled with two hour of frugal lifestyle tips.

Extreme Coupon Show Backlash as Stores Change Policies: Learn Coupon Do's & Don'ts

A recent article on The Consumerist found the TLC show, Extreme Couponing, has sparked a trend of out-of-control couponers who ransack stores with little regard for fellow shoppers. Merchants have taken notice and many major retailers are starting to change their policies. Here are some of the big ones.

Rite Aid
Rite Aid has taken the same steps as Target to crack down on shoppers looking to exploit BOGO coupon offers. The drug store chain has also made other changes including limiting the number of coupons per item to four. If inventory is running low, managers may limit the numbers further.

Target
The biggest change at Target comes to their buy one, get one (BOGO) policy. They now only allow one BOGO coupon per purchase. Previously, customers could "stack" Target printable coupons, combining store and manufacturer BOGO coupons to get both items for free.

Walgreens
Many high tech shoppers have even started to crack coupon barcodes, allowing them to use coupons on products they're not intended for. Walgreens is working to combat this fraud by adopting a new type of barcode. New barcodes will be able to hold more data and can better make sure Walgreens coupons are used for the right product.

Publix
At Publix stores throughout the country they're also limiting the number of coupons that can be used on one product. Their new policy limits couponers to one manufacturers coupon and one store coupon per item.

Shopping with coupons is certainly a smart way to save, but there are right and wrong ways to do it. Here are some basic do's and dont's to help you coupon with class.

DO play by the rules. Couponing isn't too complicated and common sense should get you by in most cases. Rules vary store to store, so if you're planning to use a large amount of coupons, it helps to brush up on coupon policies before you shop. This includes making sure you're buying the item the coupon is intended for and checking to see if they'll accept expired coupons or not.

DON'T clear the shelf. In the eyes of casual shoppers, clearing entire shelves of popular sale items crosses the line between couponing and hoarding. If you really want to stock up on certain products, try making multiple trips or call ahead and ask a manager if they'll set aside an order for you.

DO be organized before you check out. It's a nightmare for cashiers and people waiting in line when you hand over a haphazard pile of miscellaneous coupons. It'll be much appreciated if you clip them before hand and make sure they're all facing the same direction. Also, remember to remove coupons for products you didn't end up buying. If you are using mobile coupons, have them ready on your smartphone for the cashier to scan.

DON'T shop during the busiest times. The stress level of those waiting in line during peak times is high enough. Using dozens of coupons takes time and will only irritate other shoppers. Instead, go shopping when business is slow. It takes the pressure off to complete the transaction as quickly as possible for both you and the cashier.

DO be polite to the cashier and fellow customers. Sure, you might have some knowledge other customers and even clerks don't, but it's no excuse to treat others like they're beneath you. If a cashier isn't familiar with coupon policies, stay calm and ask to speak with a supervisor. They're much more helpful if you don't lose your cool. When your cart is overflowing, give those behind you a heads up that you'll be using coupons. If someone is waiting with just a loaf of bread and gallon of milk, let them cut ahead.

DON'T steal coupons! A growing trend turning the tide against couponers is theft. Newspapers and newspaper subscribers are increasingly finding coupon inserts stolen. This is a big no-no and can get you into some serious trouble. Many people will willingly part with their unused inserts if you ask nicely.

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Consumer Savings Expert, Andrea Woroch, is available to share "Extreme Coupon Show Backlash as Stores Change Policies: Learn Coupon Do's & Don'ts" with your audience for an in-studio, satellite or skype interview. Andrea has been featured as a media expert source on The Today Show, NBC Nightly News, FOX & Friends, ABC News NOW, MSNBC, Kiplinger Personal Finance, Smart Money and many more. To view recent interviews or for more savings tips visit AndreaWoroch.com.

Teach Your Kids To Coupon - Summer Bucket List Fun

Summer is the perfect time to teach your kids the value of couponing - Begin by creating an organized coupon system that your kids can use to begin learning how to save money with the use of coupons


Click here for one simple idea that I shared over at SC Johnson a few months ago to get you started teaching your kids to coupon and add this to yoru Summer Bucket list of ideas to do with your kids this summer.

Read my full article on Save Money by Organizing Those Coupons over at SC Johnson Family Economics blog. Click here to read now and begin saving money today. Be sure to leave me a comment over there as well

*Each week Trisha Blogs on SC Johnson Family Economics website as a paid blogger be sure to read her weekly organization articles.

Top Tips To Finding Coupons

By: Amy Hannold

247Moms Frugal Living Editor

Where Can I Find Coupons?

Technology has increased the availability and convenience of coupons.  Where once we were limited to coupons distributed in weekend papers and store circulars, there are now many places to find coupons.

Here are some of the newest sources of coupons:

CouponNetwork.com

Catalina Marketing Corporation offers you printable grocery coupons and notifications of available “Catalina YourBucks” offers which reward you following your purchase of participating items. 

SavingStar.com

Choose from a wide variety of “clipless” coupons and add them to a participating retailer’s loyalty card.  When you purchase the correct items that correspond to the coupon, your savings will be added to your online SavingStar.com account.  A printable or “email to you” list of your coupons is available.  When your savings total $5, you can select the way you wish to redeem (PayPal, direct deposit, or other choices).  On the go, you can use SavingStar’s iPhone or Android apps. 

Facebook.com

Companies are using Facebook to market their product and to offer savings to their customers.  Free samples, instant-win games, and printable coupons are plentiful – so search for your favorite retailers and products.  Once you’re “liking” them on Facebook, you’ll be aware of unadvertised deals as well. 

Twitter:

Like Facebook, Twitter is a deal-seeker’s delight.  Search, follow and tweet your favorite companies.  Money-saving  alerts can also be found when you follow bloggers and websites which find the good deals for you. 

Telephone or Postal Mail:

When you’re not finding coupons on particular products, it’s a great way to save on what you will use.  I make it a goal of contacting two companies a week.  Agree to join a list of theirs and your mailboxes will surprise you once in a while with unexpected goodies. 

Websites and Blogs: 

Directly contacting and/or complimenting a company online is a great way to find some savings.  Look for “Tell a Friend” or referral programs which reward not only your loyalty but also your sharing them with others. 

Foursquare.com and “Facebook Places”

When you’re out and about, you may be able to find coupons or discounts, just by “Checking In” to your current location (stores, dining, etc.) using Foursquare or Facebook Places.

Cellfire.com

Cellfire searches for deals available to you by your zip code.  Loyalty card offers or coupons viewed on your smartphone will be listed and are easy to apply.  Cellfire is also a shopping and savings app for smartphones.

Coupons.com

Groceries aren’t the only savings you’ll find on Coupons.com.  Printable coupons for all sorts of shopping are available, as are “Savings Card” offers which you can load onto store loyalty cards. 

AllYou.com

AllYou, the magazine, is well worth the price (found only at WalMart stores or by subscription).  Online at AllYou.com, printable grocery coupons are available, as are coupon code for shopping, freebies, etc. 

SmartSource.com and RedPlum.com

Printable coupons are offered each month and can be printed twice per computer.  If you’re a Swagbucks.com user, first go to Swagbucks.com, then select coupons from there to receive Swagbucks for the coupons you print and redeem.  MyPoints.com also rewards you for accessing grocery coupons when you start at their site.

Apps for Your Smartphone:

When you’re in the store, or as you plan your shopping trip, here are a few apps to consider:

Pushpins (iPhone):  This free app scans what you’re about to buy and informs you of loadable loyalty card discounts. 

GroceryIQ:  Powered by Coupons.com, this app offers you many “list solutions” for your shopping convenience.   Coupons are also available.  An online, “at-home” version is also available. 

Store-Specific Apps:  To keep you loyal to them, many stores are developing their own apps.  Look for your favorites, before you shop.  Adding store-specific apps can also help you to reign-in your spending, when you’re not receiving multiple deals from a variety of stores.

Transforming Coupon Savings in to Great Meals

Amy Hannold, 247Moms Frugal Living Editor  

Good deals can be found with planning, skill and practice.  The same is true for great meals.  To maximize your food dollar and dollar-stretching efforts, meal planning is essential.

We know that store sales cycles of most products revolve in 12-13 week cycles.  Stocking up on cereal, snacks, etc. should be done, within budget, when those items are on sale.  Use coupons if possible or enjoy your store brand favorites.   Meat prices also revolve; buy two week’s worth now, saving on the cost of meat for next week.

Meal planning can be as simple as spending a few minutes looking at what you have at home, your schedule for the upcoming week, and a reading of the “Good Deal Alerts” from your favorite stores (found  by visiting local money-saving websites).   The pre-shopping “Home Review”, as we’ll call it, is a good first step for those new to planning.  Knowing what you have is the fastest way to see a decrease in your spending.  Everyone should review their refrigerator, freezer and pantry on a regular basis to avoid wasting food.  Statistics tell us that we throw away up to 40 percent of the food we purchase – that’s a lot of money wasted! (WastedFood.com)

Weekly meal planning doesn’t have to be daunting task.   Websites such as Meals4Moms, OrganizedHome.com, DonnaYoung.org, ChartJungle.com, TheHomeschoolMom.com and others have prepared printable meal planning sheets.  Some of the websites offer links to files you can customize, then print.  Food manufacturer and online recipe websites offer you menu planners and/or recipe indexes based on diets, ingredients you already have, kid preferences, and special occasions. 

My favorite printable meal planning tool is the Grocery List/Meal Planner sheet found at Menus4Moms.com.  I print several  for a month of meal planning and efficient grocery shopping.

Here are my meal planning tips for you:

Our schedule determines our meals.  I plan to “cook once, eat twice” in between busy family days.  Summer means crock-pot meals and the use of our bbq.  Fall and winter are great for my indoor grill, crock pot and baking.  When I buy chicken breasts or pork chops in bulk, I freeze them in meal-sized amounts with marinade, Italian salad dressing or cream soups.  Marinating as they thaw, they are ready to toss into the oven or crock-pot.  An hour before serving, I add vegetables to the crockpot, serving the juicy mix over rice or noodles.  We love our rice cooker – for breakfast or dinner- rice is deliciously easy.

We avoid wasting food by packaging our own “convenience meals” for my husband’s work meals and my “too busy to eat well” days.  We compliment the packaged meals with divided portions of cream cheese (for bagels), cottage cheese (add pineapple, pears, or peaches), cheese sticks and hardboiled eggs.  Produce is washed and divided into a few day’s worth of snack-ready bags.  Brownies and cookies are made several batches at a time and divided, then frozen for long-term storage.  Beans stretch meat in meals and are also the feature of meatless fajitas or soups. 

When produce is plentiful, I freeze sauces and slices of fruit for winter delights.  Berries are picked from farms and frozen.  Those goodies are then pie-baking or breakfast-ready.  Brown bananas are frozen, and then thawed in the refrigerator for morning smoothies.  Our summer garden saves us money on herbs and root vegetables. 

My children are more interested in the shopping trips, use of frugal-sense, preparation and eating of meals when I include them in the process.  I find that they each have their own specialties or elements of the meal process they enjoy most.  Pride, creativity, and a legacy of family meals grow right along with them.  I save money, as they learn to like better food choices and delight in homemade snacks. 

Nutritional Meal Ideas:  Find “How To’s”, printables and helpful meal planners at ChooseMyPlate.gov

Couponing: Savings are Created Before You Shop

Couponing’s benefits, beyond money saved, are the important virtues and skills you’ll learn (or refine) to become a successful couponer.   Contrary to spectacular savings seen on TV in the space of 15 minutes of super shopping, these skills are required before you enter the store.  Simply couponing to get a “good deal” can lead to overspending and a pantry full of ingredients – but no meals. 

Patience is needed both in the store and with your coupons.  Marketers want you to clip the Sunday coupons – and use them sooner than is most valuable to you.  Experience will show you that coupons held until the corresponding sale occurs will save you more money.  You may score further savings with a “Catalina” instant rebate or free item.  That’s patience at work; creating opportunity with your preparation – so you score the best deal.

Proper Organization – Clip your coupons and organize them in a manner which is ready to go with you – where you’ll find them when you need them.  Maintained organization means less work and more value from the time you’ve spent on preparation.  Most couponers do not remain with their initial organization methods, so choose one and be ready to revise as your couponing increases. 

 Organization Possibilities:

 Individual envelopes for each store (with your meal plan and/or shopping list written on the outside)

An index/recipe/shoe box containing separated coupons (in envelopes or other sorts of dividers)

Purse-size coupon file; for longevity, choose plastic files.  File coupons by common grocery categories, alphabetically by brand name, or in order of your most shopped grocery store – it’s your choice. 

Coupon Binder; transform a zipper-closure, 3-ring binder into an ergonomic couponing tool.  Utilize 3-ring folders and page protector sleeves to hold coupon policies, weekly ads, etc.  Pockets are handy for calculators, scissors, pens, envelopes, etc.  Many money-saving couponer websites have photos and narrative instructions on how they organize coupons.

“The Couponizer”;  A ready-to-use tool that is also designed with some custom features.  This visual organizer includes pockets for receipts, grocery list, and savings tracker.  Its design is a combination between a coupon file and a coupon binder.  You can use the included categories or using mailing labels, change the groupings for what you buy most often. 

As space allows, add files, pages or pockets for “RAOCK’s” (Random Acts of Coupon Kindesses), coupons you’ve found along the way but have yet to file, “CheckOut Goodies”, and “Checkout Stack” – and, perhaps a file or pocket for each individual store on your route.

Coupon Insert Files:  As you spread the word you’re couponing, you’ll collect more inserts than you may clip from.  To utilize online coupon databases, you’ll want to organize your inserts chronologically.  An accordion file, filing cabinet drawer or large shoebox works well.  Write the distribution date of the insert in permanent marker on the front cover – as covers can be similar within a month’s time.  The date is found on the spine of the insert.  Where the coupon insert came from is also on the spine, and helpful information if you want to seek out more of that particular insert.

Other Useful Tools:

From the same websites which you printed shopping lists, you can also find “pantry” or “freezer” inventories.  At-a-glance you can see what you have to plan meals with, and what perhaps needs to be added to your shopping list.   Once you find an inventory sheet that you like, expand your forms to include gift-closet lists and other places in your life where important items come and go from.  Use of what you have on hand, (that you already spent your money on) saves you time, money and energy over buying it again at a higher price.  “One-item” trips to the store or last minute holiday buying blitzes we know, can be very damaging to our savings goals.

“Good Meals, Better Deals” is our next discussion, as we talk about how to make great meals out of our shopping trips.  Please share your organization ideas – and stay tuned for July’s series as we continue to share money-saving skills.

Couponing 101: Basics of Couponing

Amy Hannold, 247Moms Frugal Living Editor

Defined goals, review/revision of your goals, networking and organization are the keys to getting the most from couponing. 

For those new to couponing, there is a time of learning and transition.  Realize that you may be learning a new “language” and changing some habits. Approach couponing with a positive, open mind; you’re embarking on a new adventure which will improve your family life for years to come.

As with any new habit, you want to measure the positive impact resulting from your efforts – otherwise, how would you know if you were making a difference?   Total your receipts from the past few weeks.  Determine a spending amount that is less than before, but still reasonable given your routine.  Additionally, you can identify a goal which would have an immediate, encouraging effect on your progress.  For example, “I want to spend less on diapers and baby food.”  In whatever system you use to organize daily activities, create a space to track your progress.  Review your goals at a specific time each month or week, whatever is your preference.  Are you saving money?  Revise as you need improvement or are ready to expand your goal to other areas of your spending.

Everything is more fun when you have a social circle to encourage you. Find and network with others who are coupon savvy – or “coupon-interested”.  Partner with a friend, and challenge one another to save money.  A team effort multiplies the amount of money you will save.  Think of how many more eyes and ears will be out there finding the good deals – so keep in touch!

Your network of couponing resources should include a “Money-Saving Blog” from your area.  Because coupon distribution and stores are regional, you need a region-specific website.  Most money-saving blogs/sites offer a “kaleidoscope” view of both in-store and online “Good Deal Alerts.  I usually suggest that new couponers follow one “national” and one local money-saving website.  Don’t overwhelm yourself at first.  Video or written tutorials, coupon databases, and other features vary – many of the sites reference other sites’ information – find one that meets your needs and interests. 

Basic Coupon Purpose and Strategy:   We seek to get more of what we need, for less, when it’s on sale.  Grocery store sales rotate in an average 13-week cycle.  When items you use often are on sale, use coupons and buy enough to have them hand at home until it will likely be on sale once again. You’ll avoid multiple (more expensive) trips to the grocery store. 

Things to Look For This Week:

Coupon Exchanges or Clubs:  Either in-person or online, you can create a group which meets to share successes in saving, coupons, and local info on where the best deals can be found.  Create a Facebook page for shoppers in your area, or for folks who want to begin changing their spending habits. 

More Coupons:  Begin spreading the word at work, school, church, and with neighbors that you’re using coupons.  Perhaps this will be a step toward finding a “frugal friends” playdate or coffee group! 

Meal planning, shopping preparation and coupon efficiency will help. 

We’ll explore those during July’s “Frugal Living” Thursdays. 

 

“Coupons for our Community” Near You

Amy Hannold, 

247Moms Frugal Living Editor

Couponing, in my community, has become a twice-weekly social event.  Back in September of 2010, two people went searching for a coupon club in our area.  Not finding one, they received permission from a local grocery manager to invite couponers to meet.  At that first meeting, a volunteer from a local food bank wowed us with how she leads an effort to save the food bank 75-percent on their grocery staples.  It was then that “Coupons for Our Community” was started, to provide coupons to both families and local food banks.

Couponing, for the new and the experienced, is often limited by common obstacles.  Families do not have access to multiple coupon inserts.  The presence of children and a lack of “life-organization”, including little time left to devote to couponing, are solved with “Coupons for Our Community” We provide the coupon inserts, grocery list/meal planners and extra arms to hold the babies  We also help to remove the “dumpster diving” connotation from couponing; coupon inserts are provided to couponers, no hip boots required.

How Do We Do It?:  As with any event, you have to take care of the “5 W’s and H”.  Begin with a friend or two, and network through your circles to find those who can help make this happen. 

Why?:  Sharing money-saving tools and camaraderie are the initial rewards.  There are long-term advantages, as we watch youngsters clip coupons or learn to form a grocery list.   Military wives find a new community through their participation, which feels like a home away from home to them. We’re helping to “cut out hunger” today, and help families eat better (and more affordably) in the future.

Where:  Libraries, schools, community centers, restaurants – or perhaps a local grocery store are options.  Your local chamber of commerce is a potential partner, as the club can be an advertising place for local businesses. 

When:  Time and day of your meetings may change at first, as you learn the preferences of your guests.  Our club currently meets one weeknight at the grocery store, one weekday morning at the chamber of commerce and one Saturday morning a month. 

Who:  Once you have location, you can begin advertising.  Post where couponers are, online and in-person.  This is also the time to begin finding sources of coupon inserts.  Contact retirement communities, senior centers, with information on the coupon insert donation project.  Your flyer can be a combination of advertising for members and on side two, explaining the program.  Once you’re established, you can invite local media to profile the group and its mission.

What:  Basic supplies for your meetings include several pairs of scissors, paperclips, envelopes, copies of a grocery list and/or menu planner, crayons and coloring books (or other kid occupation tools), large index card boxes with dividers for guests to donate clipped coupons, recycling bin, garbage can, a club notebook for guest registration, and coupon insert storage boxes.  At our club, we also supply guests with a “Good Deal Alert” list featuring one partnering grocery store.  This is found on a local money-saving blogger’s website and copies of it are made at the grocery store.  A link to the “Good Deal Alert” is also broadcast in the weekly email, giving credit to the blogger and the opportunity for guests to use the link for printable coupons. 

Optional club features include: select advertising from local businesses, non-insert coupons, freebies, welcome folders with basic couponing tips, etc.    Creating a weekly newsletter page (featuring club information, an online/in-store freebie link, local event information, garage sale listings, business promotions, etc.) is also a fun idea.  A weekly email updates guests and those with interest in “Coupons for Our Community”, of the project’s activities. A laptop with internet access can be helpful for using online coupon databases – a great tool for matching grocery lists to available coupons.

At the Meetings:  Arrange your tools and features.  Guests are welcomed, introduced to other guests and to what the club has to offer.  The host(s) and/or coordinator is available to answer questions from guests and to ensure all are finding what they need.  At closing time, supplies are returned to their travel boxes and the room returned to its previous condition. 

Coupon clubs and “Coupons for Our Community” projects will vary by the interests and communities they serve.  There is unlimited potential for communities to positively impact families. 

“Reducing Coupon-Shopper Anxiety”

 Amy Hannold, 

247Moms Frugal Living Editor

Those new to coupons and/or those who are years into their couponing use have shared with me that they feel “anxious” at times.  The details required and possible obstacles encountered with coupons can create nerve-wracking, palm-sweating experiences.  If couponing doesn’t make you nervous, perhaps you’ve encountered unanticipated issues.  Here are ideas to boost your confidence and money-saving success. 

1.  Educate Yourself:  Be aware of current store policies, coupon-acceptance guidelines and sale promotions.  Shoppers may opt to carry a copy of the store’s coupon acceptance policy (for polite verification, not clerk-abuse).

2.  Make Friends and Allies:  Build personable relationships with store employees and your fellow shoppers.   Check in with the Customer Service desk often. Share your coupons with those you meet during your shopping trips.  Be “Politely Persistent” when an issue arises.  Don’t fight to be right; instead work to resolve the situation.  Your future couponing experiences (and those of other couponers) will be easier.

 

3.  Create – and Know Your Shopping Plan:  Specifically write down what you intend to buy.  This includes:  Item (with variety/size), Sale Price, Coupon Discount, Promotion Discount, and Bottom Line Price.  If you’re going to implement more than one transaction at a particular store, designate those separately.  When anxiety or distraction occurs, you’ll be able to rely on your written plan.  Carry a copy of the store ad with you as you shop.

4.  Prepare Your Coupons:  As you write your shopping plan, collate coupons for each transaction into separate paperclips or divide it with index cards in your coupon holder.  Be sure you’ve scanned for expiration dates, valid sizes/varieties, and the discount amount (is it off one or two items?)

5.  Have a Plan B (and C, Perhaps D):  Know your shopping plan well enough that you can choose alternate items, if a desired product is out of stock.  Place your “Plan B” coupons separate from your planned transaction coupons. 

6. Timing:  Couponing is more fun and sociable when the store is less busy.  If you have “coupon-use anxiety”, you’ll feel more relaxed and clear-minded to implement your shopping plan during slower shopping periods. 

When the store is less crowded, the reception you’ll receive from store employees should be more positive.  Our own perceptions that we’re holding up the line (whether we are or not) and the negative stares from seemingly inconvenienced folks around you – all of that is worse during the busiest shopping periods – plan accordingly.   

7.  Shop with a Friend:  Enlist the “buddy system” when shopping to help you through your list, or to shop along side you. It’s more fun with a friend!

8.  Leave the Distractions at Home:  As 24/7 Moms, this can be tough.  When possible, do leave the kids (and the spouse?) at home.  You’ll save time, temper and money when you shop without counter-productive hands, mouths, and motives. 

9. Going with the Kids? Be at Your Best!:  Shopping with the kids takes an extra measure of patience and energy.  Choose to shop when your team is at their best – not tired, hungry, sick or otherwise inconsolable. Avoid bribing, but do expect and discuss appropriate shopping behavior.   

10.  Arm Yourself with Activities: Bring activities for your children.  As the kids are learning their numbers and letters, have them complete a scavenger hunt or “I-Spy” game.  When they’re old enough – involve them in the process.  Ask them to help you with completing the list, comparison shopping, etc. 

Extra Tip:  I once saw a great idea a mom had for her toddlers.  She had small notebooks or clipboards, just for shopping trips.  Internet-printed activity pages, coloring books, or a “My Shopping List” for kids kept them happier in the cart.      

Extreme Couponing: The “Real” Effect

Amy Hannold,
247Moms Frugal Living Editor   
            
In my smaller home town and in big cities across the country, the eye-popping, popular program “Extreme Couponing” is having an effect on couponing now – and in the future.

TLC’s “Extreme Couponing” focuses on sensational purchases, including multiple items of little nutritional value.  Its goal is to entertain, not enlighten.  “Extreme Couponing” is not “Real” couponing.  Most “Real” couponers are trying to keep their home cupboards full; they’re generous, considerate neighbors helping neighbors.  Maybe “saving money” and “Frugality” is more hip now, but we down-to-earth folks have a new stereotype to contend with.

“Real” couponers predicted stores would be changing their coupon policies. Grocers and drugstores retain only a small profit margin from what they sell.  It’s understandable (but unfortunate) that they might answer this storm of couponing bliss by changing their coupon policies.

What is the best, vital move now for the “Real Couponers” community?  Those of us, no matter where we are on the “couponing scale”, need to be advocating that couponers be “real” (as in reasonable) to preserve couponing as a money-saving option. “Extreme Couponing”, the program, will hopefully become redundant enough that it goes away.  In the mean time here are my “Values of a Real Couponer”.   My hope is that you’ll share them, so that couponing, while riding the “extreme” tide, comes out clean and still a viable money-saving option on the other side:

Hometown Help:  I know that “how-to” is not as sensational enough for cable, so if you have the skills, and use them prudently – please share them with someone who could benefit.  Offer to host a class, couponing club (with tools and coupons shared/provided), or simply practice “RAOCK’s” (Random Acts of Coupon Kindnesses) – share coupons with your fellow shoppers.  You’d be blessed with valuable friends when you demonstrate saving money to others.
Just Say No to Clearing Shelves:  What amount of product to you need, really?  If you want lots, place a special order, if possible.  Consider that shoppers like yourselves are also making the effort to get to the good deal , so be nice.      
         
Don’t Try to Fool the System:  Retailers are now implementing “smarter” systems to avoid losing big bucks due to coupon fraud.  Manufactures rightfully refuse to reimburse retailers when shoppers have not purchased the coupon-specified product.  Coupon abuse by shoppers leads to higher prices down the road – for the crooks too!  Coupon fraud is against the law, and it’s not worth your smarts!
Don’t Do This:  We’re adults here, right?  Let’s not forget that the people around us are watching for how we operate – it does affect how couponers are encountered in the future.  Please, no pushing or shoving.  Stealing is out too, including from the tear-pads or items from your neighbor’s cart – don’t do it.  Yelling, criticizing, or other uncalled for verbal abuse of store employees also looks bad for all of us.

Keep Couponing “Real” and valuable:  Make friends at the Customer Service desks, they’re really our best allies.   Do your best to be informed of policies as they change.  If you doubt a coupon to be legit, you can go to www.cents-off.com for a list of current fraudulent coupons.

What We Can Learn From Extreme Couponing

Amy Hannold,
247Moms Frugal Living Editor

As a long-time couponer and “Money-Saving Mentor, I have to take some exception with what is aired on the “Extreme Couponing” programs on TLC.  Let’s begin with the programming schedule that sandwiches the couponers between “Hoarding” and “My Strange Addiction”.

There is a whole lot of “staging” that goes into the creation of each segment.  Pertinent details are left out.  What is included however, are lots eye-popping hauls of groceries for small amounts of money.  In order to score these astounding receipts requires coupon policies not available to many regions in the country.  In addition, these “Extreme Couponers” are usually not shopping for their weekly meals. For their television cameo, these couponers prepare to take home the most, for the least amount of cash.

“Extreme Couponing” can be inspiring and entertaining.  The show has chosen an assortment of skilled coupon users.  Each is a bit unique in their philosophies.  I applaud those who give their loot to charities, including care packages to soldiers.  However, when it comes to couponing, I have to express that TLC, being The Learning Channel, is missing a great opportunity to really help families in a time of rampant need in our country.  Everyday, I am asked about the program- often from new couponers who want to know how they can get started.  Here is what we can learn from “Extreme Couponing”:

1.        Preparation Pays:  Before you hit the store, know what you’re buying, the savings you expect to receive and have a few “Plan-B’s” ready.  Expect a challenge in getting the deal and be prepared for it.  If you plan to buy a whole lot of a particular product, ask to make a special order so that you know it’s available.  Ordering also shows consideration; your haul does not eliminate others from getting their share of a great deal.

2.       Organized – The Only Way to Coupon:  Whether you use a series of envelopes, a coupon file or a binder – be organized.  Couponing won’t be much fun or valuable if you’re always playing “lost and found” with your coupons.  Be efficient and clutter-free – you’ll save time too!

3.       A List Makes Things Go Smoothly:  As you prepare, make a comprehensive list.  The list should include the product, variety/size, sale price, promotions to be deducted, coupons you have and the “net” price you expect to pay.  Especially for new couponers or couponers traveling with distractions, a list can help you stay on track.  A good list reduces “after-receipt” surprises when you realize you’ve paid full price for something.

4.       Networking is a Necessity:  Make and maintain relationships with the store manager and all of the other store employees.  There is valuable information to be gained when you take the time to get to know the store.  Networking also includes other couponers, the websites of manufacturers, and resources in the community where you can give/gain assistance.

5.       Enlist the Help of a Friend:  Shopping as a team gives you the advantage of another set of eyes and ears on your side.  Working together makes the “chore” parts more fun and the “saving” parts of couponing more of a celebration.

6.       Cashier Friendly, Cash Out Consciously:  Couponing can be more of an effort than shopping without coupons – however, don’t fall asleep or be irritable at the checkout counter.  Watch the register for possible errors – theirs or yours.  Maintain an attitude of “polite persistence”.  (That includes those behind you in line – which you may want to let in front of you).

7.       Sharing Pays Many Dividends:  Just as those profiled on “Extreme Couponing” are inspiring you, pass along the love to others.  Give graciously to those in need; give gifts from your stockpile to new babies and neighbors.  Teach others to shop for the best deals.   As you shop, practice “RAOCK’s” (Random Acts of Coupon Kindnesses”); give diaper coupons to moms and Polident coupons to the Grandmas!  The store will be more fun to shop when those around you cheer you on and share in the money saving opportunities.

8.       Love the Loved Ones:  The couponing process takes time, energy and money.  Be sure couponing is not eclipsing you from your family.  Store away a few surprise goodies and give out lots of compliments when you’re supported.  If you’re not, consider what motivates/concerns your family and find ways to address those through couponing.

Couponing, Deals and Money Saving Blogs for MOMS

 Looking for ways to Stretch the family dollar?  Carolyne Hays of Saving 4 A Purpose shared her favorites this week on 24/7 MOMS Live Webcast. ( see list below)

The Coupon Project  - Very beginner couponer friendly. She also gives organic deals and has great posts in her archives for the sale cycles Click here to visit the The Coupon Project now.

Money Saving Mom  - Lots of good topics including coupons and deals.  Subscribe to her daily updates to be in the money saving know. Click here to visit Money Saving Mom now.

The Krazy Coupon Lady - She lets you know super fast about the latest deals and bargains with lots of stores and  lots of deals! Click here to visit The Krazy Coupon Lady now.

Queen Bee Coupons -  Provides a spreadsheet that lists Costco vs. coupons in addition to posting local (Seattle area) deals.  Click here to visit Queen Bee Coupons now.

Gift Card Rescue - Savings beyond the coupon with discounted gift cards to buy as well as sell your
unwanted gift cards.  Click here to visit Gift Card Rescue now.

Plastic Jungle - Buy, Sell, Exchange gift cards and save money when shopping.  Click here to go to Plastic Jungle now.

Be sure to follow Carolyne Hays on Facebook by clicking here

Gift Card Granny - A place to buy and sell discount gift cards.  Click here to visit Gift Card Granny now.

$1 Spring Coupons At Mc Donalds

DEAL: Participating McDonald’s locations are offering a Spring Coupon Booklet with 12 FREE item coupons for ONLY $1.


Coupons included:

• 3 Free Apple Dippers
• 3 Free Small Cones
• 3 Free Apple Juice OR White Milk Jug
• 3 Free Hamburgers

Limit one certificate per person per visit. Redeemable by children ages 12 and under.

Coupon Myths Busted- to Your Benefit!

Amy Hannold
247Moms Frugal Living Editor

Couponing does not save me money on what I eat:

A: Learn to find coupons for items you use. Contact companies which make the products you use. Enlist the help of friends and family, and you’ll be blessed with more coupons.

B. Your couponing may be more profitable at drugstores, retail/malls, dining, travel, or services. Whatever you want to save money on, focus your money-saving efforts on that spending Research “best buys” on what you buy and you’ll succeed.

Buying generic products is the cheaper way to shop: Certainly, we first promote the use of comparison shopping and do agree that generics are often as good/better than the brand name products for everyday shopping. However, if you can "stack" a coupon with a sale (and any additional Catalina/Rebate/Promotions) – you’ll stock up on your favorite brands for less than generics. Knowledge, tools and a little practice work wonders. When people have preferred brands or will only buy a “brand”; couponing can help you afford your favorite products.

My husband doesn’t support/see the benefit of couponing. Once you’ve racked up a series of money-saving successes, show him the receipts! Find his motivation – what does he want to be able to afford? When he sees that buying “his likes” doesn’t break the bank, he’ll be on board. If he’s a numbers guy, add up your savings at the end of the month, and hand him his share to save for a rainy day – or towards his goals.

Couponing means too much clutter: Simply put, you have to be somewhat organized in order to save money and enjoy the process. Find and create a couponing system that works for you. Binders and files can often be bought at the thrift store. No need to buy expensive couponing tools, as ones you create will often grow with you. Realize that what you start working with may change, as your interest and success in couponing increases.

Coupons are only for junk/processed foods and unhealthy cleaning products: Sure, the newest kids’ cereal and whamo-cleaning products are promoted through coupons. Baking supplies, toys/games, plain oatmeal, baby products are as well. Homemade is always the best – but couponing can make meals and cleaning more affordable for those who use prepared products. Housewarming or “New Baby” packages made with an assortment of convenient products are appreciated – those gifts can save you money. Food banks love peanut butter, canned chili and soup – if you can get it free or for far less – double your donations and shop with others in mind!

None of my friends use coupons - I don't want to be "weird". If "normal" is paying way too much of my hard-earned money on everyday things - I'll be weird. You can change the "normal" in your circle when you share how couponing and frugality helps you reach your goals. Couponing can be added to nearly any social/activity - and it has so many more benefits than getting together to spend money. Soon enough, your friends are competing and enjoying the search for a good deal.

Couponing takes too much time: For the first 90 days, like any other new life change or hobby, you will spend more time than those who are “experienced”. “Couponing”, the process, has become more efficient thanks to the internet. Bloggers with money-saving websites feature weekly “What’s on Sale” lists, which do the matching of coupons to sale for you. Coupon databases track what coupons are distributed when; all you need is your set of filed inserts and scissors – and you’re saving money in no time!

Couponing is overwhelming - all of this new, valuable information! Have you ever started a new hobby or learned a new job? Couponing is no different – go slow, find support and don’t try to do it all at once. Avoid burnout and frustration by making small goals and being organized. Choose one area of your spending to begin couponing with. Limit your sources of information and techniques to a few, adding more as you become more enthusiastic and proficient

Krispy Kreme Valentine Freebies with Purchase

The Krispy Kreme Valentine's Day promotion is back!

Buy a dozen doughnuts at participating locations and you'll get 12 cards good for a free doughnut, coffee or hot chocolate! Head over HERE to view a list of stores.

thanks, Couponing to Disney!

September is National Coupon Month

Amy Hannold,

247Moms Frugal Living Editor

National Coupon Month is an annual campaign by the Promotion Marketing Association to highlight how much money consumers can save by using coupons.

Coca-Cola was the first product for which a coupon was printed, in 1886. Coupons came to the local grocer in 1894, with C.W. Post’s coupon for his new health cereal, “Grape Nuts”. During the Depression era, coupon use was a must for families. Fast forward to 1975 and 2008 when coupon use rose at remarkable rates as consumers experienced significant cost of living increases.

Even if the economy improves, 93-percent of consumers say they will continue to look for money-saving options. Store-brand products have become the preference of more shoppers. Forty-two percent of shoppers are choosing price over brand – and stocking up on essential items is a strategy for nearly seventy-five percent of shoppers surveyed.

I was “raised on coupons” and now I am a “coupon mentor”. It’s fascinating to me to see how coupon use, via new technology, has “hipped” coupon use. In the twenty-first century, you can simply flash a phone or store loyalty card – and you’re saving some very cool cash – no clipping necessary! Online, you can print coupons, send coupons to your phone or load them onto your store loyalty card. Money-saving “Apps” for mobile phones are available to help you find the best deal. Coupons are available instantly – wherever you are. Clipped coupons are still used however, an inspiring 88-percent of shoppers use coupons to plan their grocery list, a 10% increase from 2007. Whether you “clip” or you “click”, if you spend a little time before you buy, you can save money.

If you’re not currently experiencing a whole lot of coupon savings, find a friend who is. Get together and include others – you’ll be creating a whole new, valuable community. Read more about coupons at nationalcouponmonth.com. Stay tuned to 247Moms.com for future coupon-wise posts. 247Moms.com also offers “FrugalMom” and “Coupons, Deals and Freebies” groups where moms and exchange ideas and “Good Deal Alerts” – join us at http://247moms.ning.com/groups.

Here are of my favorite “outside the Sunday coupon insert” places to find coupons:

Community Phone Books/Yellow Pages – Grab your local phone book! In the back pages, you might find a deal for dinner or dry-cleaning.

Val-Pak: Monthly blue envelopes mailed to homes contain coupons. Val-Pak also has online coupons for when you’re traveling outside of your community – or to print more of your favorite Val-Pak coupon. Mobile coupons from Val-Pak can be sent to your phone.

Grocery Receipts: Local retailers advertise with coupon specials on the back of grocery receipts. Read and save them, file them to save money when you are out and about.

Organizing Your Coupons

Amy Hannold, FamilyTimeandMoney.com

Time and effort is well rewarded when you invest in efficient coupon organization. Beginning and maintaining coupon organization does take time, but with time it gets easier. There are a variety of ways to organize coupons. Choose one to start, if couponing is new to you, and grow with your new money saving habit. Coupon users of some experience find that as their daily routine changes and/or their coupon use grows, there comes a time to find a new system to maximize coupon savings. Whichever coupon organization system you choose, keep in mind the idea is to have a workable, reasonable system which keeps the coupons you use most readily at hand.

Envelope System:

Pre-Printed Envelopes for couponing and meal planning purposes:

Homemaking authors and websites sell printed coupon envelopes for consumers. Pre-printed envelopes usually include either a grocery store checklist and/or your menu for the week on one side. The other side, depending on the type of envelope, offers grocery list space or another component to planning your shopping. You can create these types of envelopes for yourself when you recycle envelopes and draw your own lists. Printing (or using pre-printed) shopping lists/meal plans on envelopes is a handy way to be ready to shop.

Envelope systems for storing and carrying your coupons:

Using envelopes, sort your coupon inventory by category (alphabetical by brand name is also an option). Label the outside of the envelopes and store them in a shoebox, filebox, or other type of box with a lid. Once you’ve made your grocery list, separate the coupons you’re going to use on your next shopping trip with an envelope for each store you plan to visit (with the list for that particular store written on the outside, perhaps) and place these inside the box.

Coupon File Systems:

Coupon files (wallet-sized accordion files) can be purchased at office supply stores, grocery stores, online/mail order and second-hand stores. Small, wallet-sized files are good starters for coupon use. They’re also convenient for carrying in your purse or diaper bag. Purchase a pre-designed file or create one from a file of the same wallet size. Fabric or plastic coupon files are best for long term use.

File coupons in a way that makes sense to you (often similar to the grouped categories grocery stores commonly use). If your coupon file has enough file slots left, consider designating the remaining slots for any of these options: “checkout counter wants”, a slot for each individual store, coupons used during that shopping trip, coupons found during the shopping trip you’ve yet to file, or restaurant/retail coupons.

Check-file sized Coupon Files:

Rectangular, accordion style files work well for organizing coupons. Some who carry wallet-sized coupon files with them will have a secondary coupon check-file sized system at home, for their inventory of coupons not currently being used. This cuts down on the bulk of what you carry with you when shopping. Organization is similar to smaller files and can include such options as “EOM” (End of the Month” expiration dates), coupons for trade, rebate forms, etc. (Just be sure to include in the file that you take with you a few coupons for products you use most often, in the event of last-minute shopping or surprise sales).

Coupon Binders and Bound-Book Coupon Binders:

Coupon Bound-Book Style Organizers:

Ready-to-use, bound-book style coupon binders (which look like spiral/expandable journals or day planners) are available for purchase. Their categories and features are usually pre-printed. They’re simple, handy organizers which could make shopping with coupons easier. Compare the features and accompanying helpful attributes of these to find the one that works best for you. Ready-to-use book style coupon organizers are not often expandable but may be a good choice for shoppers with less time and/or less couponing experience.

Coupon Binders

Coupon binders can be created out of affordable, common components. A majority of coupon binders are made out of 3-ring binders, using trading card holder pages to keep the coupons in pages, by category. There are sheets available with four pockets and other designs for holding larger sized coupons or tools. Categories are separated by labeled index divider sheets. In your binder you may choose to designate a section per store, with list and coupons at the ready in their own space. Try one or two methods of organizing within your binder and get ideas from others on what works for them.

Zippered binders are the most secure type of binder to use. With a 3-ringed pocket, you can carry a calculator, scissors, a pad of paper, etc. Using clear binder sleeves (which open at the top), create space for lists, reference pages, larger coupons, rain checks, shopping lists, your budget or party planner pages, etc. Tour a school supply aisle using your imagination and ingenuity. You’ll find new ways to save money and time for use inside your coupon binder.

Full-size coupon binders of this type are thought by some to be easiest to sort, find and use coupons because of the “turning pages” type of presentation. Ergonomically, it’s easier to stand and turn pages, viewing easily the coupons inside than to hover over a coupon file and try to read the decreasing font of coupons today (for those of us getting on in years, especially).

Coupon binders if made in full-page size (or if you’re using a larger check-file) give you the advantage of having all of your coupons with you, at hand when you encounter an unadvertised sale. There will be no need to come back later or run out to the car for the other half of your coupon inventory.

Thrifty Grocery Shopping 101

Amy Hannold, FamilyTimeandMoney.com

This week Albertsons offers a great opportunity to illustrate the value of shopping with coupons. Grocery store chains offer their own promotions, in addition to national manufacturer campaigns. Get familiar with the ones in your community and you’ll maximize what you can get for your money.

Before you can take best advantage of grocery store sales, you have to have the tools.

Efficiency in coupon use is the determining factor in how successful you will be in saving money. Invest a little time and money into coupon storage and organization. Your efforts will be more profitable when the coupons you need are easily accessible.

At home, designate a filing cabinet drawer with hanging files, plastic hanging file storage box, large shoe box, or expandable accordion-style file to store coupon inserts as you receive them each week. Gain extras from family, friends, playgroups, recycling centers, etc.

Each week, go through the coupon inserts. Clip coupons of products that you use often. File them in your portable coupon file. (We’ll discuss these in a future post). Keeping coupons close to you for items you use often will prepare you for unadvertised sales or last-minute, rushed shopping.

Mark the insert cover with the date. Label the hanging file (if you’re filing the inserts) with the date, and the insert distributor. Example: “8/2 S” would translate into August 2’s SmartSource Insert.

To match coupons with what’s on special this week, there are several bloggers and website out there that can help. Each week, they let you know where the savings can be found, and how to match the coupons with sales- maximizing your savings.

Some of the best bloggers and money-saving sites out there are:

AThriftyMom.com

CouponMom.com

SurvivingtheStores.com

MoneySavingMom.com

HotCouponWorld.com

AFullCup.com

These websites offer forums and updates which direct you to the use of your coupons in conjunction with current sales. You can subscribe to their websites, and in time for grocery store shopping preparation, you will be sent updates. You can purchase this information, sent directly to you, from “The Grocery Game” and others. I find that with the amount of excellent bloggers out there, who work hard to help us, that I get all I need – and more without the need for a subscription. The Grocery Game would be useful to those that have limited time or perhaps beginners to this “sales-matching” process. The Grocery Game also requires that you have some of the larger grocery store chains in your area, and depending on where you live, its value will vary.

At the money-saving websites or blogs, find the forum or list of the stores you frequent.

You will read the best that the writers have found, and often times input from other shoppers as well.

The website entries will detail and clearly illustrate:

Current Sale price and promotions

Coupon’s to use to “better” the deal. This will include the publish date of the coupon insert (example 8/2 SmartSource), the discount the coupon will give you and a link to print a coupon if necessary. This is the detail that makes matching coupons to deals a snap!

The price you will pay, after coupons and promotion/discounts are listed as well.

This week’s Example:

A few days ago, I received my update from A Thrifty Mom. Post Select Cereals are on sale at Albertsons. She informed me that we can get a real thrifty deal when we combine Albertson’s “Buy 4; get each box for $1.50” promotion with recent insert coupons. There is a $1/2 coupon in the July 26^th Smartsource insert that will bring the price of each box down to $1 each. Post Cereal and South Beach Cereal bars are included in this deal. A bonus “Catalina” coupon (printed at the register following your payment) will print beginning Friday, when you choose to purchase the Post Select variety. Purchasing two boxes of Post Select variety will net you a $1 Catalina OYNO (On Your Next shopping Order) coupon. For every 3 Post Select boxes you buy, you will receive $2 OYNO and when you purchase 4 boxes of Post Select, you will receive $3. OYNO coupons are good for anything you want to buy in the store, with few restrictions. If you want to get more of these when you purchase additional sets of 4 cereals, be sure NOT to use the ONYO’s that you received from this Post deal. The smart computer will detect the use of the OYNO, and not give you any more. Use OYNO’s for the “bread and milk” items you need to purchase.

It really can be done, that simply:

Get the inserts

File them (or at least stack them chronologically in your large shoe box)

Refer to the money saving sites

Make your list

Clip n File your Coupons in your Shopping Coupon File(divide by store, to make it easier)

Go shopping as an informed, prepared and thrifty shopper.

Impress yourself and your fellow shoppers!

There are other things to consider when couponing and determining what you will buy each week. New tools, such as “clipless coupons” and other advances in technology offer further ease in saving money. There’s a lot to learn, but take small steps every week. Learn and grow with your thrifty shopping. Find a friend or two with whom you can work as a team to share information.

Whether you meal plan, choose your shopping list by what you already have on hand, or other planning tools (which we’ll detail in future posts) – these websites can offer you a wealth of additional information on how to cut everyday costs. They really do make couponing easier, and dare I say, even more fun when you join the networks of many other thrifty shoppers.

Send us your couponing questions and any obstacles you face in saving money. We’ll help you find the answers.