Series 1: How NOT to Get Things for FREE

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Series 1: Five Finger Discounts* Do Not Mean FREE

Today I drove away from the coffee shop without paying for my coffee. This means it was FREE for me (not for the loss of the store.) Acting like a tired scattered mom is not always the best way to get things for FREE. This can land you in trouble or sometimes offer you a fine that actually costs more than the item you “stole.”

Note: I intend to visit the store this afternoon and pay for my coffee

Also Note: Series 2 will likely not come (or is that giving myself too much credit to not to something stupid again…)

* five-finger discount – a pretend occurrence during which stealing is permitted, a stolen item.

What things have you done as a scattered, tired mom?

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Frugal Couponing and Living Life Out of Debt – Avoid the Extremities

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Being frugal and being fabulous can go hand in hand. In order to lead a fabulous life, it is important for you to be debt free. You can be debt free only if you can maintain low expenditures. So, it is important for you to work on that. Frugality and couponing are the two most important parts of the plan that can help you maintain a debt free or rather a fabulous life. Frugality also helps you with saving money in the long run, though it may seem that you are only able to save little money through couponing and frugal living, it ultimately adds up to lots of money.

Frugality, couponing and you life

Many people think that going frugal will mean going tough on your expenses. Yes, it is true that in order to practice frugality, you will have to become more disciplined and strict towards the expenses you have been making, it definitely does not mean that you will have to throw away all of your luxuries. Frugality is more about smart spending.

So, what will you be required to do in order to lead a frugal life and follow a proper couponing method? In order to do both of the above in the right way, you will be required to:

  • Learn to conserve - If you use too much for any item you use, try changing that characteristics of yours. May it be the water, electricity, toothpaste, shampoo, toilet paper, cosmetics, deodorant and so on. If you can conserve all of these, you will not only be able to make this world a better place to live in, but also will be able to help yourself in saving money on expenditures. The lower the expenditures will be, fewer will be the debts.
  • Try stockpiling - While buying items that you need the most, try to stockpile those. Stockpiling is nothing but buying items in bulk. When you are going to get items at low price, it is better to buy those in bulk. You may also be able to get some more discounts for doing that.
  • Try DIY improvisations - If you are trying to work on improvisation of your clothes, home or any other things, try doing it yourself. Though, it is not at all possible to work on everything of your own, you can still try to do those which are possible. This is going to help you save lots.
  • Recycle and re-purpose - Recycle and re purpose, and use things in a different way. This helps with saving quite a lot. For example, rather than using a new thread rill to slice eggs, you can use dental floss to do the same. You can use different bottles as flower bases. These help in adding innovativeness to your home.
  • Buy things from thrift stores - Rather than always buying branded things, try buying those from the thrift stores. This is going to help you get some really good items, for much less than what you are required to pay for the branded items. Thus, you may also be able to lower the usage of the credit cards.
  • Avoid throwing away leftovers - Rather than throwing away the leftovers, try to use those to make a new food item or dish. Try it in an innovative way, so that it appeals to your family members. This dish can help you save on cooking any other dish for dinner or lunch.
  • Avoid over couponing and extreme frugality – Another thing that you will be required to keep in mind is, you should avoid extreme couponing or frugal living. Otherwise, you will only end up more deep into debt.

Thus, these are some of the easy and possible and yet disciplined ways in which you can practice frugality and couponing.

Author Bio: Kavin Matthews is a writer who is associated mainly with http://www.debtconsolidationcare.com/. He is a financial based writer, and has written numerous articles for different financial websites.

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Extreme Couponing | Eight Tips to Couponing

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When beginning Extreme Couponing, there are some key tips to understand.

1)      Stay Organized

Overall organization is critical to maintaining sanity and realizing long term value.  There is nothing worse in couponing than going into a store unorganized.  Have your list, your coupons, and know your sale.  Leave the rest in the car.  A little prep work in needed before you hit the stores. Read more about How to Organize Your Coupons.

2)      Know the Code

There is a secret formula.   A sale + a MFR (manufacturer) coupon + a SC (store coupon) + a CC (competitor coupon)  = freebies, moneymakers, and cheap items.   When possible combine these things. You can use a store coupon and a manufacturer coupon on the same item.   In addition to the secret formula, you need to know the acronyms (see my side bar for examples) or read more about Coupon Acronyms andExplanations. 

3)      Be Flexible

Break from brand loyalties, there are a lot of great coupons out there if you are willing to try new things.  You will find when combining coupons you end up buying most of the brands that are most expensive for the least amount of money. Don’t worry about having to only buy the generic items. In addition, many of the newest items on the market are what you can come home with for the least amount of money.

4)      Learn to Stockpile

When there is an amazing sale combined with a large coupon you must stockpile.  Know your store sales, how frequently things go on sale and then save enough until the next sale.  This might mean you need several copies of a coupon…getting multiple copies of newspapers is a good idea. A general rule of thumb is one copy of the paper for as many people in the house – four people in the house would mean four Sunday papers. If you find you are in a time when you can not coupon as much, cut back to two papers. You at least one two papers, so during B1G1 sales you have a coupon for each item.

Note: Concerning stockpiling, please be considerate of others. There are many individuals looking to get a great deal. Stockpile what can hold your family for an average of 6 weeks…a new sale WILL come around. No need to stockpile for a years worth of product.

5)      Reward Cards Are Your Friend

Many stores offer great incentives only for those who are reward card holders.  Sometimes it is best to get reward cards of stores not even in your area because some stores will take those competitors’ coupons that might come to your address for being a club/reward card member.

6)      Understand the Fine Print

Make sure you read the details so you truly understand what is on sale and what items for the coupon will work.  Most manufacturers display the most expensive item on face of the coupon.  Consumers look at the picture and select that item.  If you read the fine print there might be a cheaper item for which you could get the discount (one example is a trial size item.)

7)      Don’t Reinvent the Wheel

Frugal Coupon Living has done the work for you.  Don’t get stressed trying to plan your shopping list.  Use this website to see what is on sale each week and what is matched to a coupon.  If you do not have the coupon, don’t buy the item unless your family is in need (sales are good, but they are even better with coupons.)  Look at my shopping lists then create your own list.

8)   Manage Your Time

I realize that gathering your coupons, list of sale items, etc can take some time and can make going to the grocery store difficult. If you are strapped for time, I encourage you to shop the B1G1 sales, items that are significantly reduced, and at least take along printable coupons attached to the lists provided on Frugal Coupon Living. Sometimes, I personally find, hunting for the coupon in my coupon binder can be more difficult than just selecting print on my computer. Do the best you can and don’t be hard on yourself for what you didn’t’ do, rather rejoice in how much you did save!

Related Posts:

CVS 101

Walgreens 101

Couponing Acronyms and Explanations.

If you are new to Frugal Coupon Living, take a look at Frugal Coupon Living’s Features as well as the printable store feature. Also check out My Coupon Database to find coupons.

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Extreme Couponing | Organizing Your Coupons

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One of the most important things to do when beginning Extreme Couponing is organizing your coupons. If you don’t know where to find a coupon you have (due to a stash full of unorganized coupons) then you are not able to reach your full saving potential. Below I am going to show you different organizations methods that work.

Method One: Organize Inserts by Date
This method has been the method I have used for years. I prefer it as it requires the least of my on my Sundays.

How to Start:
1.) Pull your inserts from the Sunday Paper and write the date on the front.
2.) Hole-punch the left margin of the coupon (In all my years, have not had problem with this messing up barcodes to scan.)
3.) Place your inserts in a large binder with oldest in the back and newest in the front (arranged by date.)

Pros:
1.) This makes finding a certain date’s coupon VERY easy to locate.
2.) All your inserts are in one place.
3.) Doesn’t require much time to organize each week.
4.) Easy to get rid of expired coupons. Clean your binder starting in the back.
5.) You have every coupon that came out in the Sunday paper – no coupons went to waste. So even if there is a coupon for a product you don’t buy, you might find the product cheap/free and you can donate the item.

Cons:
1.) Bulky
2.) When searching for a particular coupon (toothpaste), it is not easy to locate. I could be anywhere in your binder.
3.) There is a lot of “extra” advertisement paper (coupons only take up so much room on each insert.)
4.) Doesn’t leave room for loose coupons – another method is necessary to attach to this style of organizing.

Examples:
• See My Example HERE.

Method Two: Organize Coupons by Type
This method is the most common for couponers. Most coupon “pros” (if we can call them that) arrange their coupons this way.

How to Start:
1.) Pull your inserts from the Sunday paper and cut. (Note: If you have multiple copies of the same type, lay individual, like pages on top of each other and cut coupons from multiple inserts at the same time.
2.) Once your coupons are cut, organize them by type. You can arrange by type using photo sheets or baseball card inserts.
3.) Place photo/baseball card inserts into a large binder. You can add as well a zipper pouch for scissors, pens, paperclips, etc.

Pros:
1.) Organization at its best. If done right, this system is very orderly and neat.
2.) Easy to navigate for type of coupon. When you are in the store you can easily go to your health section for a toothpaste coupon.
3.) Easier to see when a coupon is about to expired.
4.) All your coupons are in one place.
5.) All the “extra” paper in the Sunday inserts are recycled or throw away. You do not have an abundance of extra weight due to unneeded paper.

Cons:
1.) Time – you do need to find time to cut and organize coupons each week.
2.) Bulky.
3.) Hard to find a coupon by date. If you need to go to the 1/3 SS insert, you don’t know which coupon came from where.
4.) You must search page by page for expired coupons when cleaning out your binder.
5.) When cutting coupons, you are most likely throwing away coupons you don’t use/need. If there is a sale where that coupon makes something free or cheap, you don’t have that coupon to donate that product to others.

Examples:
• See or buy binder example HERE - She actually sells them as well so you don’t have to make your own.

Method Three: The File System
The title basically says it all. Acquire a file cabinet for all your coupons.

How to Start:
1.) Acquire a file cabinet or cube crate that can hold handing file folders
2.) Take your inserts and arrange by date. Each handing folder will house a different date’s coupons.

Pros:
1.) Clean and Neat.
2.) Requries the least amount of time.
3.) This makes finding a certain date’s coupon VERY easy to locate.
4.) All your inserts are in one place.
5.) Easy to get rid of expired coupons. Clean your files starting with the oldest date
6.) You have every coupon that came out in the Sunday paper – no coupons went to waste. So even if there is a coupon for a product you don’t buy, you might find the product cheap/free and you can donate the item.

Cons:
1.) Bulky – the most bulky method.
2.) Not really portable. You will not walk into the store with this method in your hand/cart.
3.) When searching for a particular coupon (toothpaste), it is not easy to locate. I could be anywhere in your file system.
4.) There is a lot of “extra” advertisement paper (coupons only take up so much room on each insert.)
5.) Doesn’t leave room for loose coupons – another method is necessary to attach to this style of organizing.

Examples:
• Please share if you have/see an example to where I can link.

Additional Methods
When couponing, you will most likely want to mix in other organizational methods. Of the above methods, method 1 and 3 don’t allow you to do it all in one place. You might be able to do it all with method 2.

Accordion File
For loose coupons, it is nice to have an accordion file. You can arrange this by type of coupon. You organization can be as specific ad dairy or as broad as grocery. Other tabs include health and beauty, baby, cleaning, household goods, etc. The accordion file is VERY easy to carry in the store. It can be as small as an envelope size or as large as a piece of paper (in width and height comparison- not depth.) This is a great place to organize peelies, catalinas, blinkies (store dispenser coupons), etc.

Envelopes
When shopping in a store, I plan my lists ahead of time. Like I have shared before, I do not walk in with my large coupon binder. Instead I carry in envelopes (and usually my accordion file mentioned above.) My envelopes are arranged by store name. For example, when I organize my CVS list I carry instead my envelopes coupons I need for THIS trip, Extra Care Bucks, My CVS Card, and rain checks. At the end of my CVS shopping, the envelope will be 95% empty from what I came in the store with.

Smaller Binder
My particular grocery store, Publix, often has a lot of additional coupon flyers/booklets. When I have extra booklets, I hole-punch the booklets and arrange them in a smaller binder. This I call my store coupon binder. If you desired, you could add some photo/baseball card inserts and place additional store coupons inside this binder as well. These would be coupons earned through rewards cards, food/baby clubs, etc. They usually are mailed, printed, or acquired in the store.

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Extreme Couponing | Couponing Acronyms and Explanations

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When you begin Extreme Couponing, there will be a number of acronymns that you will see when going through weekly ads, reading posts, and trying to create your own list. It is important you refer back to these terms to maximize the most of your savings.

All of the acronyms I use for couponing are found on the center/right column of Frugal Coupon Living. Below, I have provided a more detailed explanation.

SSSmart Source. SS is a coupon resource both online and in the Sunday paper.  The larger the city, the larger the SS Sunday insert and reverse rings true as well – the smaller the town, the smaller the insert size. Thus, Smart Source coupons can vary by regions.  Almost every Sunday, there is a SS insert in the newspaper. Visit Smart Source for printable coupons. Coupons found online are different from coupons found in the Sunday inserts.

RP – Red Plum. Much like SS, RP is a coupon resource both online and in the Sunday paper.   The larger the city, the larger the SS Sunday insert and reverse rings true as well – the smaller the town, the smaller the insert size.  Thus, RP coupons can vary by regions.  Almost every Sunday, there is a RP insert in the newspaper.  Visit Smart Source for printable coupons. Coupons found online are different from coupons found in the Sunday inserts.

P&G – Procter and Gamble.  Much likes the other inserts, P&G coupon resource is found in the Sunday paper.  P&G inserts tend to be consistent across the board. In other words the same coupons tend to be in every city/town.  Unlike the others, they come out once or twice a month.  Usually around front or end dates of the month. These coupons usually expire 30 to 60 days once published.

MFR – Manufacturer Coupon. A manufacturer coupon is coupon that is created by company or brand. It can be combined with a store coupon in most locations (grocery stores/pharmacies.)  Most MFR coupons have the most expensive item displayed as a picture on the coupon so it is important to read the fine print. Sometimes you can use a MFR coupon on a trial size item. When this is possible, it is best to do this because the savings is a much larger percent then if you were to buy they full size item. Ten bottle of trial size shampoo work just as well as one large bottle and can end up being FREE!

SC – Store Coupon. This is a coupon that can exclusively be used in the store in presents. For example if CVS puts out a coupon for Colgate, this can only be used in a CVS location.  This SC can be combined with an MFR on one item to produce a greater savings. Sometimes other stores will take SC coupons. For example, sometimes I can use a Winn-Dixie Grocery Coupon at my local Publix Grocery location. Check with your local stores to see if they accept store coupons from other locations.

CC – Competitor Coupon. A CC is a store coupon that can be used in another store. For example, I could take a Winn-Dixie coupon and use it at Publix. You can also create a combination of mixing and matching MFRs, SCs, and CCs for an even larger savings! Two places that regularly take competitor coupons are Publix and Home Depot.

B1G1/BOGO – Buy One, Get One. The name basically supplies the definition. When you buy one product, you get the next product for free. In some locations, B1G1 sales reduced items to 50% off so you can only buy one item in the B1G1 sale. I will make a note of this when this is the case. In most locations, for B1G1 sales, two products need to be in the purchase. I personally appreciate B1G1 sales because you can use two coupons. You are getting two products!

WYB – When You Buy. An example of when this phrase is used is get $1 off product x when you buy or wyb product y.

YMMV – Your Mileage May Vary. Your mileage may vary is a phrased to describe the situation where you have success at one store and not at another store. This is usually the case because clearance items, sales, or managers discretions may change per store. YMMV can be the case for two stores in the same city or for two stores on different sides of the country.

MIR – Mail in Rebate. A mail in rebate is a situation where you get back a percentage of the amount you spent on a product. A MIR usually requires a UPC (universal product code or bar code on the side of a box) , original cash register receipt, a form all mailed in a self stamped envelope.  During a MIR, you do need to pay for the product upfront but are refunded your money either in the form of a check or gift card.  Sometimes, MIRs provide you with a product instead of the refund of a check/gift card. In this case, you would know this before sending in the MIR. On average, MIRs take around 8 weeks for a full refund.

FAR – FREE After Rebate. This case is usually accompanied with a MIR. The item would be FREE after you submit a rebate for a refund of a check/gift card.

$1 SS 1/4 – $1 coupon in the Smart Source Inserts on January 4th. I use this phrase when matching coupons to sales. If we were talking about Dove Deodorant, I would be directing you to cut the $1 Dove Coupon in the Smart Source Insert that came out January 4th. If you keep your inserts intact, with the date on the front, this is easy to locate. You can keep them in a binder, in a file system, or cut them up and arrange the coupons by month or by type (health and beauty in this case.)

OOP – Out of Pocket. This is the money you are required to pay out of pocket. This money is usually amount you will pay before a rebate or “reward money” found in the form of Extra Care Bucks or Register Rewards (See CVS 101 and Walgreens 101 below.)

WFC – Weekly Flyer Coupon. This is a coupon found in a store weekly sales flyer. This coupon is required for the discount on the item. It is not a “clip free” coupon.

$1.50/2 – $1.50 off two items. In this example you get $1.50 of the price of two items. If I do not provide a back slash and number, then the discount is off one item. I provide the discount price followed by a slash and number to share with you when you have to buy more than one item for the coupon reduction.

ECBs – Extra Care Bucks. This is a money system found at CVS stores. It is like paper money that can be used on products in their store only. ECB sales are found weekly in their store flyer. Sometimes, CVS has items that are FREE after ECBS (much like the FAR system.) See more on shopping at CVS with ECBs below.

WagsWalgreens. Acronym used for Walgreens.

RRs – Register Rewards. This is a money system found at Walgreens (Wags) stores. It is like paper money that can be used on products in their store only. RRs sales are found weekly in their store flyer. Sometimes, Wags has items that are FREE after RRs (much like the FAR system.) See more on shopping at Walgreens with RRs below.

Related Posts:

Eight Tips to Couponing HERE

CVS 101 HERE

Walgreens 101 HERE
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Coupon Inserts: Where is that Coupon?

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A few times a week I get an email asking me why a coupon I listed for an item is not in their Sunday (SmartSource, RedPlum) insert. The reason why this happens is coupons are REGIONAL. Larger cities get bigger, better, and more coupons while rural areas hardly get any.

I live in a city that has a nice amount of coupons but I am regularly missing a coupon. I am here to prove that you CAN do it even with these missing coupons. The coupons will come eventually. If you are in need of a coupon and cannot wait longer, always remember you can order the coupons you that you don’t get in your Sunday inserts at The Coupon Clippers or on EBAY.

When looking for coupons, be sure to check out My Coupon Datbase. This will help you find coupons for products you are looking to buy.

You also can check out the coupons tab at the top of my site or the blue box on the right hand side of my site. This provides a list of places to go and print coupons.

The most popular places to print coupons include:


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