New Month, New Coupons!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite website is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks! New offers are added on the Smartphone Savings Apps all the time!

Here are just a few of the new coupons that have me excited:

SAVE $1.00 off any ONE (1) package of Hefty® Trash Bags
SAVE $0.55 off ONE (1) package of Reynolds Wrap® Foil (25 sq. Ft. or larger, excluding Wrappers™ foil sheets)
Save 35¢  on ONE (1) Flav-R-Pac or Westpac Veggies bags, any variety or size


$2.00 off any ONE package of HUGGIES Diapers

$4.00 off any 2 Huggies

$0.45 off one International Delight

$0.50 off one Cafe Breaks

$0.50 off one Pace product 15 oz or larger

Buy one Paqui, get 1 free

New Month, New Coupons!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite website is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks! New offers are added on the Smartphone Savings Apps all the time!

Here are just a few of the new coupons that have me excited:

$1.00 off one Dial Body Wash
$0.75 off any 1 Zest Shower Gel or Body Scrub
$0.50 off TWO any LaRABAR, uber or ALT Snack
$1.00 off one Pepperidge Farm Farmhouse Bread

New Month,New Coupons!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite website is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks!

Here are just a few of the new coupons that have me excited:

$0.50 off ONE BOX Reese's Puffs cereal
$1.00 off any ONE PHILADELPHIA Cream Cheese Brick
$0.60 off any 2 Lipton Recipe Secrets
$2.00 off one Persil
$1.00 off one Jennie-o

New month, New Coupons!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite website is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks!

Here are just a few of the new coupons that have me excited:

$0.55 off one Nature's Harvest
$0.55 off one Stauffer's Great to use at Dollar Tree for some low cost snacks!
$0.75 off any 2 Meiji
$1.00 off 1 JENNIE-O Turkey Breast from Deli
$1.00 off one The Laughing Cow

Couponing Myths: Debunked!

In the spirit of helping others learn to coupon, I’ve been posting some Couponing 101 post over the past week or so. Today I want to continue by debunking some myths surrounding coupons and couponing!

Myth #1: There are never any coupons for fresh fruits, veggies, or food for my special diet!!! Au contraire!

You just have to know where to look!   There are lots of printable coupons for these items.

And don’t forget your couponing and rebate apps! Check out a list of my favs here. Did you know that Sprouts has an app too? They have all kinds of coupons for dollars and cents off stuff you actually buy.

Myth #2: It takes too much time to coupon!  By the time I clip all the coupons and visit all of the stores with deals, I will have wasted all of my savings on gas!

I would like to kick TLC in the Butt for “that show”.  It portrays all couponers as crazy people with oodles of time on their hands who just clip and file in their binders.   When I go to shop, I check the deal sites (I like Grocerysmarts.com, I can make lists, print coupon, and check sales at all of the stores in our area all in one website!), make my list, grab the coupons I need, put the coupons and list in a separate zip lock bag for each store.

I bring a pen, calculator, my small coupon wallet (it lives in my purse all of the time!), my pad of paper with all my deals, lists, and scenarios on it and I am ready to go.  It takes me less than an hour to prep for a shopping trip.

I visit one grocery store.  That’s it.  Sometimes, I’ll go to a drugstore, but only if the deals are sooo good and are free or have a very low OOP. I don’t roll rewards or go to more than one store each week. I don’t have the time.

Screen Shot 2016-06-21 at 4.16.08 PMAt my coupon classes the bottom line I teach is: Couponing can take as much or as little time you want to put into it.  My blog and classes try to make it as easy for you as possible.  I want you to have the tools to make saving your family money easy.

I don’t clip every coupon every week.  I don’t have a binder. Here are pics of my coupon wallet!
It’s served me well over the past 9 years. The tabs are in order of the store I frequent, and I stick my sticky backed coupons to the inside front flap. I bought it at Walmart for $1.97.

Myth #3You don’t really save money with coupons!

My grocery bill has gone down from $200/week to $75/week thanks to coupons and strategic shopping! Once I started using coupons in conjunction with store sales and eating food that was in season, we have saved $6500 in a year. We eat better food than we did before!

 

Myth #4: Store brands are cheaper.

Here is a recent sale that I took advantage of- this demonstrates that with a good sale and a coupon, you can purchase name brand items for less than the generic price.

*Store brand High Protein Cereal/Granola (Generic Kashi) $2.99

*Kashi $3.49

-Coupon for Kashi $1.50 (from Vocal Point)

-Name brand price with coupon $1.99- With a coupon and a sale, I save $1.00 over the identical generic item!

Myth #5: Couponing is for poor people.  (this one really bugs me)

Recently, a study on coupon usage was conducted by the Neilson Company, and they discovered that people making $100,000 or more were 25% more likely to use coupons than those making $25,000 or less. It also profiled the average coupon clipper as being a woman earning $50,000 a year. And really, how do you think rich people get rich?  By saving their money!

Myth #6: A cashier told me when I use coupons, I am stealing money from stores!

That is a LIE. It’s not even a myth, it’s a lie. Grab a coupon and look at it. Screen Shot 2016-06-21 at 4.23.38 PMSee where it says Retailer in bold? Next to it the coupon reads: “Abbott Nutrition will reimburse you for the face value of this coupon plus 8 cents handling when submitted in compliance…..”.  The bold is my emphasis.

So as you can see, the store will be reimbursed for the face value of the manufacturer coupon, plus 8 cents PER COUPON. All coupons have similar language.  The industry standard handling is 8 cents per coupon.

Imagine how many coupon your average grocery store accepts in one day.

Also, when a store puts items on sale during the time a coupon is valid, the store expect you to fill your cart with other stuff that’s on sale.

When you buy an item that is on sale and use a coupon, you are not stealing, you are being a strategic shopper. Sales and coupons are tools to help you stretch your budget further.

Stores also regularly have items that are low priced to get you in the door, so you will.. that’s right, fill your cart with non-sale, non-coupon items. Those items are called Loss leaders.

Transaction vs. Purchase- Clearing up coupon lingo

If you read the fine print on coupons, it usually says a bunch of stuff that rivals legal documents.

Screen Shot 2016-06-13 at 11.41.45 AMYou’ve probably seen the following statements:

  • Limit one coupon per purchase….
  • Limit one coupon per transaction…
  • Limit one coupon per purchase of products and quantities stated.  Limit of 4 like coupons in same shopping trip…
  • One coupon per person, per day…
  • Limit one manufacturer and one Target/Store coupon per item…
  • Limit of 4 identical coupons per household, per day…

UGH!!!  That’s so confusing!  How is anyone supposed to stockpile and save tons of money when there are so many restrictions?

Well, let’s clear that one up.

  1. Each item you are buying is a purchase.  3 widgets, 3 coupons for those widgets, 3 purchases.  You don’t need to buy each widget separately, you can have them all rung up together.
  2. A transaction is your entire basket order.  Everything you put onto the conveyor belt all totalled is your transaction. Some stores (not too many, check your stores coupon policy) allow you to break up your basket into separate transactions to use more coupons.
  3. Our third example comes from Proctor and Gamble (P&G) coupons.  This means that you can only use four of the same coupons on four of the items stated on the coupon, in the sizes stated on the coupon in the same shopping trip.  The term”shopping trip” is up for debate, but to me that means per time you visit the store.  Some couponers argue that “shopping trip” is the same as transaction.  I don’t chance it.  I’ll just stick to four P&G coupons per store visit.
  4. The fourth example is super rare, generally seen on high value store coupons. It means exactly what is says. You may use one of those coupons per day.  Your mom may use one of those coupons per day, your uncle, your cat, etc.
  5. Target and some other stores (Albertsons, CVS, Walgreens, and Vons) allow you to match up (or stack) a store coupon with a manufacturer coupon.   An example is shown below with coffee creamer.    Store coupons can be found on on the stores website or  in store advertisement/circular that is available in the store. Target and Albertsons have store printable coupons available on their website, while Vons has store coupons that you can load onto your Vons card (these are sometimes called E-coupons or electronic coupons).  CVS and Walgreens have sale flyers and coupon booklets in their stores and CVS has the “magic coupon machine” where you wave your CVS card under the reader, and it spits out coupons! Check your stores coupon policy to see if they have any further restrictions on how many stacked coupons you can use per transaction, which bring us to…Screen Shot 2016-06-13 at 11.42.04 AM
  6. This is taken directly from Target’s updated coupon policy.  At Target (and some other stores), you may use 4 identical/like coupons per household, per day. So, at Target, you can stack 4 sets of coupons.  4 Target coupons and 4 manufacturer coupons for your 4 items for your household. That doesn’t mean you can’t come back the next day and do it again!  I’ve done that before when a deal is super hot.

Coupon Lingo!

deals_and_Coupons_version_2 (1)

Just like any other hobby or subculture, couponing has it’s own lingo. You’ll often run across it reading blogs or talking to fellow couponers. Here is a list with the most commonly used lingo:

Actual – Physical items you hold in your hand meaning a box of pasta rather than a pasta coupon. Used often in trading coupons.

BLINKIES – These are found in stores in a dispenser machine. Most often the box will have a red blinking light on it.

BOGO (or B1G1)- Buy one get one free.

Catalina – Coupons that come from a machine at the cash register. Named after the manufacturer of the machine that spits out the coupons.

CRT – Cash register tape.(this is a pretty dated/old school term for a receipt)

Double Coupon – Means the value of the coupon is doubled at the register. In San Diego, Only Kiehl’s doubles coupons.

ECB – Extra Care Bucks. A form of rebate from CVS. ECB’s are a CVS exclusive.

FREE ITEM COUPON -You get a free product at the store at no cost or just tax.

HBA – The health and beauty aid section.(shampoo, conditioner, body wash, styling products, etc.)

IP – Internet printable coupon.

INSERT- The packages of coupons that come in the Sunday paper.

MANU or MANNY – Short for Manufacturer Coupon. A coupon issued from the manufacturer. Manufacturer Coupons are about 90% of the coupons in the Sunday papers.

MIR – Mail In Rebate – you have to mail it to a clearinghouse to redeem. Learn more about rebates here.

MM- Money Maker- Any deal where you come out ahead or the store pays you to leave the store with items. These deals are pretty rare these days.

NON-INSERT- A coupon that does not come from the coupon packages (called inserts) in the newspaper. Non-insert coupons come from inside or outside packages, home mailers, Smartsource blinkie machines, magazines, tear pads.

OOP – Out of Pocket – money paid after coupons.

OYNO – On your next order – a lot of Catalinas fall under this, meaning you need to make an additional purchase to redeem.

P&G – Proctor & Gamble Sunday insert coupons.

PEELIE – coupon’s found on products that are sticky unless removed carefully.

POP – Proof of purchase found on actual item, usually a UPC/barcode.

RP – Red Plum Sunday Insert Coupons. In San Diego, these coupon inserts come in the Monday junk mail.

SASE – Self Addressed Stamped Envelope some freebies or rebates require them.

SS – Smart Source or Sunday Insert coupons.

STORE COUPON- A coupon good at a specific store (Target, Albertsons, Vons, CVS, and Walgreens all have store coupons).

TEAR PAD – A pad of refund forms or coupons found hanging from a store shelf or display.

TMF – Try Me Free – rebates for the full price of the item when it first is new to the market.

WINE TAG – coupons found on the necks of wine bottles. In CA, these coupons require the purchase of at least bottle of wine to redeem the deal.

WYB – When You Buy – additional purchase is required to redeem.

New Month, New Coupons!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite website is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks!

Here are just a few of the new coupons that have me excited:

$1.00 off 3 LaCroix Curate
$2.00 off any one Balmex Diaper Rash Cream
$2.00 off any ONE package of HUGGIES Diapers

A New Month (and Year!) Means New Coupons!!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite websites to help me plan out shopping trips is Hot Coupon World. They have a Coupon Insert Schedule here. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks!

Here are just a few of the new coupons that have me excited:

$0.75 off ONE carton Annie's™ Organic Soup
$1.50 off ONE (1) Saffron Road Frozen Entree
$2.00 off any ONE package of HUGGIES Wipes
$2.00 off ONE package of HUGGIES Diaper Pants
$2.00 off ONE HUGGIES LITTLE MOVERS Diapers
$1.00 off (4) JELL-O Gelatin, Pudding or No Bake
$1.00 off any ONE (1) CAPRI SUN Juice Drink
$1.00 off Any ONE (1) MAXWELL HOUSE Coffee
$0.50 off 1 ZonePerfect Bar
$5.00 off any (2) Similac large sized powders

How to organize and store coupons

file000804438807

A lot of you will start 2016 with the goal of saving money by couponing. Here are a few ways that you can organize your coupons to help you achieve your goals.

There are several methods to store your coupons when they are in your home before you go to shop, and there are several more methods for storage when you are out shopping.

Here are just a few examples of organizational methods:

Screen Shot 2015-12-18 at 8.19.31 AM
Inserts filed whole by date

Whole insert: Leave the inserts whole, and file them by date.  You may wish to put each insert  in a tabbed folder and write the date along with the type insert such as SS (Smart Source), P&G (Proctor & Gamble), or RP (Red Plum). Example: 6/6/10 SS I recommend this method for those of you starting out, or if you don’t have a lot of time dedicated to couponing.

Clipped by dated: Filed in a similar fashion as above, but all coupons from each weeks inserts are clipped, put into an envelope, dated, and filed either in an accordion folder or filing/bank box. This can be a time saver when you need to pull coupons from a specific date.  You may choose to have all coupons from the same date filed together, or you may wish to file each insert (Red Plum, Smart Source, Proctor & Gamble) separately. Example: Clipped 6/6/10 All or  Clipped 6/6/10 SS

The next two storage methods are usually done when coupons are stored inside baseball card inserts in a large three ring binder.

Clipped by category: Coupons are clipped and then filed by category.

Clipped Alphabetically: Simply file the coupons alphabetically, either by product name, product type, or manufacturer.

 

Storage Methods

There are several methods for storage of coupons.

If you file whole inserts, you may wish to file inserts in an accordion folder or filing/bank box by date. This is the method that I use, and that I have used for over 10 years. As I have less time to dedicate to couponing, it keeps me organized and able to save the most money (and time!).

If you clip your coupons here are just a few examples of storage methods:

Coupon wallets are commercially available at office supply stores or mass merchandisers.  Coupon wallets  are small, reinforced accordion file with tabs. They can fit inside most purses. Organize the coupons by category or alphabetically.

Use a 3-Ring Coupon Binder with plastic page protector inserts (like these), and use tabbed dividers for the category dividers. In the front, you can put a pad of paper inside for your shopping list, a zipper pouch for pens, pencils, scissors and a calculator.  3-ring binders that zip shut are great too!

Individual envelopes- I do not recommend this method to anyone just starting out. Start with envelopes (I use #10 envelopes) and write the name of each category on the front in large, easy to read letters.  File coupons by category in the corresponding envelopes, Once you have all the coupons sorted and filed, store the envelopes in a plastic tub, shoe box, whatever is easiest for you. This is by far the most time consuming method for storing coupons.

When you clip coupons and file them you can go one step further and arrange them by expiration date, amount of coupon, or alphabetically. It’s up to you.  If you have multiples of the same coupon, consider paper clipping them together.