Coupons are Currency!

Posted by Leslie | Basics | Wednesday 8 September 2010 11:41 am

 

 

I have talked about Coupon Exchanges and how they can benefit you. However, I don’t think I have touched on using your coupons as currency. It is true though, in the coupon world coupons are like money. Do you collect Box Tops for Education, Coke Points, Diaper points etc? Do you need a certain coupon, but can’t find it? You can use coupons you don’t need to get the above things and more, even stamps!

Check out We Use Coupons. There is a whole section called Trader’s World! There are sections in the forum to find ISO (in search of) posts. If you have what they are looking for you can do an exchange! There is also a section FSOT (for sale or trade) where you can post what you have that you don’t need!




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Why You Shouldn’t Use Coupons…

Posted by Leslie | Basics | Monday 19 July 2010 10:23 am

You may have seen the article on the front page of Yahoo this morning titled 8 Reasons Why You Shouldn’t Use Coupons. I am not the best at couponing, that is why I am here to get better at it, but I do feel that I can address these 8 points. Couponing is an art and just like any art it takes time, but the masterpiece at the end of the day is worth it.

1. You have to buy a newspaper.  I know a lot of people who purchase a newspaper just to read it. They don’t even bother with the coupons. This is why We Use Coupons as a whole section devoted to dumpster diving for coupons! Then there are couponers who buy multiple newspapers just for the coupons. However, from what I have learned so far, many couponers are savvy enough to get their coupons from friends, family, businesses and even the occasional dumpster. So we are not always out the cost of the paper and even when we are the coupons easily make up for the cost of the paper. I will use myself as an example, I am not a master couponer only saving roughly 30% per trip, but this is easily $20-$40+ every two weeks. I haven’t seen a newspaper that costs $20.

2. Clipping coupons takes time. Absolutely, coupons take time! So does everything else in our lives. Did you know that people on average watch 5 hours of TV per day! It doesn’t take me 5 hours to clip my coupons, even when I am watching TV while I do it!

3. Getting a newspaper invites lots of additional advertising into your home. This is just silly, if we are watching an average of 5 hours a day of TV what kind of advertising are we seeing? In all honesty, I glance at the ads and paper, but I can’t think of one instance where I found an advertisement that sold me on something. If it is a sale that is a different story, but not the advertisements themselves.

4. Many of the coupons will be for things you neither need nor want. This may be a valid point some weeks. While other weeks you will get a ton of coupons that are just for your family. Like the coupon Gods were looking out for you! However, if you research stockpiling you will learn that once couponers have their family shopping covered they start getting free items that they are able to donate to others. So if it isn’t something you could use, but you can get it free why not donate it to someone else in need!

5. Coupons can tempt you to spend your grocery dollars on things you shouldn’t. Not if you have a plan and are organized. If you don’t have a plan you are going to buy things you don’t need anyway. Personally, I use a meal planner so I know exactly what my meals are going to be for the week. Then I just add the other items I need to buy to my list. I also review coupon ad match ups to determine really good deals that I can add to my shopping trip. I only add extra items that are going to be super cheap after all I still have to stay in budget!

6. The same coupons tend to be offered over and over again. This is to your benefit. You will have plenty of coupons to stock up when the prices are low. It also gives you coupons to trade or exchange.

7. You might become a slave to coupons. This is a bad thing? Why would I buy something when I know I can get it cheaper? This is exactly why it is important to get a lot of coupons. Then you can buy items when they are cheap. Once the item goes up in price you are stocked up until the next coupon and sale comes along.

8. Shopping takes longer. I don’t think couponing takes any longer than planning any other shopping trip. If you don’t plan you are going to spend less time, but you are also going to spend more money.

The Bottom Line

Don’t sell couponing or yourself short. Couponing can benefit you and your family. Every little bit adds up. As a stay at home mom it is my job to be able to streach the money my husband brings home. Couponing does take time to learn and master, but it is worth it in the end. Give it a try and see for yourself. Here is what Couponing can be worth.






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Budget at the Grocery Store

Posted by Leslie | Basics | Friday 9 July 2010 12:27 pm

Sticking to your budget is the best thing you can do to ease the stress of grocery shopping. First, set a budget that works for your family. Personally, we make a grocery/cleaning/baby care/toiletry budget for each paycheck and I shop bi-monthly for these items. Second, you need to be organized with your coupons and with your shopping list. Using a Meal Planner is helpful with this also. Do what works for you.

Thirdly, put it all to work at the store! When you go to the store take your supplies. I take my coupon binder, calculator, Price Comparison Sheet, shopping list and a pen.

Using your calculator:
     – Start with the total estimated tax in your calculator
     – As you shop enter the price of each item you are purchasing 
     – Subtract any coupons.
     – Add the price of any items you plan to buy at another store (you can do this at the start and add  any other items as you go)

Your calculator price should reflect the total amount you are planning on spending out of the budget. There should be no reason to go over budget when using your calculator. You have already accounted for the tax and the cost of any other items you are buying elsewhere! If your calculator reaches budget and you need other items decide if you need to remove certain items from the cart that you don’t really need! Remember, if you are buy other items at another store your checkout price will not be the same as your calculators total since some items aren’t being purchased yet!

I hope this makes sense! If not, feel free to ask questions :)

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Price Comparison Sheet

Posted by Leslie | Basics | Thursday 8 July 2010 4:27 pm

What I am going to refer to as my Price Comparison Sheet is a list of items I purchase on a regular basis and prices. I typically shop at Super Target and Kroger. For the longest time I have thought that I should buy my groceries at Kroger and all the other items like baby care, toiletries and paper goods at Target. Well, I started a comparison sheet and learned that isn’t always the best plan.

BUILD THE LIST
To build a list is easy. You can use receipts from previous shopping trips or do like I did and scout out prices at the store. I made three columns on my list: Items, Target and Kroger. Make as many columns as you need for the stores you shop. You can do this on a spreadsheet or just a piece of notebook paper.

FILL OUT THE LIST
When describing the item write the name of the item as well as the size: Tide 32 oz. You may have multiple lines for Tide, but you want to know the prices for each size you may want to buy. Write down the price of the item under the correct store column. Be sure the price you are writing down is the regular price not the sale price. This will help you know what you are saving if the item is on sale.

Once you have a list be sure to watch the prices every so often. They do change and you want to be sure you have the current information to work with. You don’t need to write down every item in the store. Get to know your shopping habits. It is likely you buy the same type of items each week or month.

Wondering why your list is helpful? I used mine fully for the first time on my last grocery trip! I went to Kroger first. I was able to go through my list and look at the price of the a large box of Pepperidge Farm Goldfish for Katelyn and say, “hmmm… Kroger price $8.49. Oh, Target’s regular price is only $6.94!” Right there, I knew I had to head to Target anyway so I put the goldfish on my Target list and saved $1.55.

Once you have a fairly decent list made you will be able to make a shopping list for each store based on the sales and regular priced items! This is just one more tool to make shopping easier and less expensive!

I would love to compile a huge Price Comparison Sheet. Of course prices vary by region, but if you would like to share prices you have found on your Price Comparison Sheet just send me an email and I will post a big list!

If you haven’t started a coupon organizing system please check my posts on ideas here. Watch for a post tomorrow about keeping yourself within budget at the store!

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Get More Coupons!!

Posted by Leslie | Basics | Thursday 8 July 2010 10:52 am

Here are some fabulous online sources to print out coupons! Usually there is a print limit, but that gets reset so come back to check if your coupons have been reset or if they have new coupons available!

PPGazette.com

Red Plum

Coupons.com

Grocery Coupon Network

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Coupons in the mail

Posted by Leslie | Basics | Wednesday 30 June 2010 4:43 pm

If you have ever couponed or if you are just starting you will soon realize there are a lot of coupons that won’t be of use to you. Maybe they don’t apply to you for instance you don’t have a baby so diapers aren’t your thing. Or the coupon just isn’t something you wouldn’t purchase.

I would suggest you join a coupon train or exchange or multiple ones! I have never participated in a train, but I am joining one on We Use Coupons. I also host my own coupon exchange and would be happy to have others join the fun. Just send me an email!

The reason to join is you get rid of the coupons you aren’t going to use by passing them along to someone else. Also, you get coupons you need from someone else! Each program is different so just find one that works for you! There is nothing worse than throwing away a coupon someone else may have been able to use.

I will post more on what to do with expired coupons in the near future!

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Name Brand vs Off Brand

Posted by Leslie | Basics | Tuesday 29 June 2010 7:30 am

You might be thinking that coupons don’t make sense. Why not just buy the off brand and save some money. This is true. There is definitely and opportunity to save if you aren’t a brand loyalist. However, this is not always the case. It is important to look at all the brands, prices, and coupons you have available to be able to make an informed decision about every purchase you make.

1. Look at the whole shelf at the store. If you notice the most expensive items are at eye level, be sure to compare everything.
2. Do you have a coupon? If so, determine if the price with the coupon is better than the off brand.
3. Also look at the sizes of the packaging. Sometimes it is worth buying the bigger package since it may be cheaper per ounce/liter/piece. However, it may be cheaper to buy two smaller units in which you can use two coupons.

Just keep an eye out. I have passed on coupons in the past because my thinking was this: Even if this goes on sale it won’t be cheap enough.

I have learned that isn’t always the case. Be open-minded about the brands and keep the coupons of items you may not want to pass up if there is a great price.

My example from the other night:
                      Kroger single roll paper towels are $0.68 (I think and may have been on sale)
                      Bounty single roll paper towels were $1.09
                      2 coupons for $1 off and I got them for $0.18 saving $1.18!

Wish I had more coupons so I could stock up. This is also a good example of where buying smaller and not in bulk is more effective.




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Target Coupon Policy

Posted by Leslie | Basics,Target | Sunday 27 June 2010 2:03 pm

Target Stores Coupon Policy

Coupons are a great way to save even more when shopping with us, and it’s easy to use them at our stores.

•    Target accepts one manufacturer coupon and one Target coupon for the same item (unless prohibited)
•    Super Target coupons can be used in any Target store if the store carries the item
•    We gladly accept valid internet coupons

Because of the variety of coupons available to our guests, we do have some guidelines for how coupons can be redeemed at Target.

When accepting coupons, we use the following guidelines:

•    We accept two kinds of coupons: Target-issued coupons and manufacturer-issued.
•    We’ll accept one Target coupon and one manufacturer coupon for the same item, unless either coupon prohibits it.
•    Coupon amount may be reduced if it exceeds the value of the item after other discounts or coupons are applied.
•    We can’t give cash back if the face value of a coupon is greater than the purchase value of the item.
•    We can’t accept coupons from other retailers, or coupons for products not carried in our stores.
•    All valid coupons should be presented to the cashier while you’re checking out.

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It is possible to visit a store that doesn’t quite understand their coupon policy. I would suggest you carry the coupon policy with you. Also, keep Guest Services Corporates number handy 1.800.440.0680. If you do have a problem just call and they can straighten out the issue with your store right then and there. If you decide to wait and contact corporate after you get home, please do so by email. This will ensure you have their response in writing!

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Where Can I Get Coupons?

Posted by Leslie | Basics | Wednesday 23 June 2010 10:24 am

There are many resources to get coupons!

Sunday Paper-
You can subscribe which is what I currently do or you can stop by a store on Sunday and buy some. Decide which is the most cost-effective for your family. Some stores have Sunday papers on sale Monday morning, but you risk them being sold out! We Use Coupons suggests 5 newspapers each week.

Wondering why you need 5 papers? Watch for info here!

Internet Coupons -
There are so many resources available to get coupons online. You can visit the manufactures website and print them or request them. “Like” the manufacture on Facebook and watch for coupons. Do the same for your favorite stores!

Visit the coupon insert sites Red Plum, Smart Source, Proctor and Gamble, Coupons.com, CouponNetwork.

You can also do a simple search for coupons online in your favorite search engine.

E-Coupons - See my recent post

In the Mail -
Join a coupon exchange or train. I have an exchange where we send coupons to each other in the mail. You can also join a coupon train on We Use Coupons.

When you sign up with the stores or manufactures they will send you coupons in the mail also!

Ebay or clipper service
On Ebay you can get the inserts or individual coupons you are looking for. Check the Coupon Clipper tab above!




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E-Coupons

Posted by Leslie | Basics,Kroger | Tuesday 22 June 2010 5:28 pm

Electronic Coupons are coupons that you can load on to your shoppers card! There are several sites you can can do this with and it depends on your you store if they participate. It is really easy! You just visit the site, register your shopper card number(s) and add your coupons. Check back often for new coupons sometimes they will send you an email notice of new arrivals. Be sure to read the specifications for each coupon so you get the right item/amounts to redeem the coupon, if not, it simply will not register. Each coupon can be used once and usually will register even if you are using a paper coupon too! 

Cellfire: Coupons added on Sundays for the following stores
•Baker’s
•City Market
•Dillons
•Fry’s
•Fred Meyer
•Gerbes
•Hilander
•JayC
•King Soopers
•Kroger
•Owen’s
•Pay Less
•QFC
•Ralphs
•Scott’s
•Smith’s
•Carrs
•Dominick’s
•Genuardi’s
•Pavilions
•Randall’s
•Safeway
•Tom Thumb
•Vons 

Coupons are updated for Cellfire on Tuesdays for these stores:
•ShopRite
•Giant Eagle
•Shop n Save 

Shortcuts stores:
• Bakers
• Carrs/Safeway
• City Market
• Dillons
• Cominicks
• Food 4 Less
• Fred Meyer
• Fry’s
• Genuardi’s
• Gerbes
• Giant Eagle
• Hilander
• Jay C
• King Soopers
• Kroger
• Owen’s
• Pavilions
• Pay Less
• QFC
• Ralphs
• Randalls
• Shop n Save
• Smiths
• Vons
• Tom Thumb 

Proctor & Gamble Coupons:
• Safeway
• Carrs
• Dominicks
• Genuardis
• Pavillions
• Randalls
• Vons
• Tom Thumb
• Kroger 

Upromise:
Click to see their store list… Too many to list! Their coupons are updated monthly 

Also check your individual store’s website they often have their own coupons listed there as well. 

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