Frugal Coupon Living

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Organizing Your Coupons

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May 26, 2011 by Ashley at Frugal Coupon Living Filed Under: Beginners, Coupons

published date: January 02, 2010
modified datt: May 26,2011

One of the most important things to do when 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. The funny thing, however, is when searching the internet for other’s organizational methods, I was the only one that I found using this method.

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 Kerri ‘s binder example HERE – She actually sells them as well so you don’t have to make your own.
• See Sarah’s binder example HERE.

Method Three: The File System
I have seen this method before, but I was unable to locate a picture or example during my research. It is pretty self explanatory, however.

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.

Photos above used with permission from: Save at Home Mommy and The Bargain Jargon.

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Coupon Inserts: Where is that Coupon?

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May 11, 2011 by Ashley at Frugal Coupon Living Filed Under: Beginners, Coupons

published date: May 11, 2011
modified datt: May 10,2011

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:

Red Plum
Smart Source
Coupons.com.


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Eight Tips to Couponing

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February 2, 2011 by Ashley at Frugal Coupon Living Filed Under: Beginners

published date: December 30, 2009
modified datt: February 02,2011

If you are new to Frugal Coupon Living, take a look at Frugal Coupon Living’s Features as well as the printable store feature.

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.

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.   In addition to the secret formula, you need to know the acronyms (see my side bar for examples.)

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.

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.

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

WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Dave Ramsey Financial Tips – Your Credit Score

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June 17, 2010 by FrugalCouponLiving Filed Under: Beginners

published date: June 17, 2010
modified datt: June 17,2010

If you’ve followed me for any length of time, you know I’m a fan of Dave Ramsey’s approach to financial freedom. And of course, the reason I write this blog and live a frugal lifestyle is ultimately to help others get and/or stay out of debt.  It is my honor to help you in any way I can – I’m here for you!

In his recent article HERE, Dave explains why a credit score is not really something you should use to determine your financial wealth since it is solely based on your debt history. Your credit score is based on five things:

* 35% of your score is based on your debt history.
* 30% is based on your debt level.
* 15% is based on the length of time you’ve been in debt.
* 10% is based on new debt.
* 10% is based on type of debt.

If debt is something you are trying to get rid of, then this type of scoring obviously does not work to determine your financial wealth. But many believe that you can’t buy a house without a good FICA score. Dave says this is not so. You can do so using Manual Underwriting. Read more about in the article link above!

The road to financial freedom includes dumping debt, saving (which includes investing when you can) and paying CASH! Don’t forget that the money available to you on credit is not your money – it’s theirs – and there is no financial freedom in that! Isn’t that what we’re all after?!

I hope that the tips and resources that are provided on this blog are helping you reach your financial freedom goals!

For more about Dave Ramsey, visit his web site HERE.

Note: Get a FREE Credit Score from all three credit bureaus HERE (see bottom right) or HERE. Get more resources by Dave Ramsey HERE.


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Baby Clubs and Resources

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March 8, 2010 by Ashley at Frugal Coupon Living Filed Under: Baby, Beginners

published date: March 08, 2010
modified datt: March 07,2010

Supermarket Baby Clubs
Make sure to join grocery store baby clubs even if the store is not in your area. Some stores take compeitor coupons and some baby clubs send out manufacturer coupons.
Publix Baby Club
Winn-Dixie Baby Club
Food Lion Baby Steps
A&P Baby Club
Save-a-lot Baby Club
Pathmark Baby Club
Waldbaum’s Baby Club
Shop Rite Baby Bucks
Price Chopper Baby Club
Superfresh Baby Club
Albertsons Duckling Club (no link – check your store)
Kroger Baby Club (no link – check your store)
Meijer Baby Club (no link – check your store)
Giant Eagle Baby Club (no link – check your store)

Retail Baby Club
You might have to create a registry.
Babies R Us
Target

Diaper
Huggies
Pampers
Luvs
Seventh Generation

Formula
Enfamil – Also, get a certificate for a FREE sample of baby formula HERE.
Similac
Good Start

Baby Food
Gerber
Beech Nut
Earth’s Best
DelMonte
Heinz

Other
Carters Celebration Club
Pregnancy and Wellness Kit
FREE Subscription to American Baby HERE
FREE Subscription to Baby Talk HERE
Baby Center HERE – sign up for weekly milestone emails about foods, behaviors, growth, etc. I have these for both my girls.

Note: With these offers, it is always wise to sign up with your coupon email address.  I usually use my spare my personal email address from these offers.

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WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Having a System of Couponing

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January 24, 2010 by Ashley at Frugal Coupon Living Filed Under: Beginners

published date: December 15, 2008
modified datt: January 24,2010

Many of you have asked me how I organize my coupons.

I keep my weekly fliers (Red Plum, Proctor & Gamble, Smart Source) in a binder (I DO NOT cut the coupons from my fliers UNLESS they are needed.) My fliers are organized from newest to oldest.

On each flier, I write the date on the top (this is important because when you refer back to coupons, you do not want to have to search for the flier that came out November 23.)

All the coupons that I cut (internet, mailers, etc.) I put in an accordian organizer (thank you Rachel for telling me where to locate this cute folder-Walmart.)
Inside my accordian organizer, I have an envelope for each store. I place coupons I need for that week in that store’s envelope. For example, if I need a Revlon coupon at CVS that week, I put it in the CVS envelope. My ECBS, RRs, giftcards all stay with in their stores envelope.

I also have a binder for Publix fliers. Always get more than one when you see Publix advertise one of these fliers. These fliers are usually found in the front of the store on a card board stand (special season offer) or on the rotating stand found in the middle of the foyer at Publix.

Lastly, I keep all of my stuff organized in a bag. This bag stays in my car so I have access to coupons if needed.


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Seven Tips to Couponing

This post may contain affiliate links or ads. Read my privacy policy and disclosure policy here.

January 24, 2010 by Ashley at Frugal Coupon Living Filed Under: Beginners, Coupons

published date: March 02, 2009
modified datt: January 24,2010

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. You can see how to organize your coupons Here.

2) Know the Code
There is a secret formula. A sale + a MFR (manufacturer) coupon + a store/competitor coupon = freebies, moneymakers, and cheap items. When possible combine these THREE things. In addition to the secret formula, you need to know the acronyms (see my side bar for examples.)

3) Be Flexible
Break from brand loyalties, there are a lot of great coupons out there if you are willing to try new things.

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.

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.

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 Mom has done the work for you. Don’t get stressed trying to plan your shopping list. Use this resource and other resources like it 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.

WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Guest Post – For Beginning Couponers

This post may contain affiliate links or ads. Read my privacy policy and disclosure policy here.

September 17, 2009 by Ashley at Frugal Coupon Living Filed Under: Beginners

published date: September 17, 2009
modified datt: September 17,2009

If you’re anything like me, when I was first exposed to the world of budget saving couponing, I was so overwhelmed that I didn’t know where to begin. I started once, thought it was too difficult and quit. I didn’t think you could truly save the money people said they could, and it definitely didn’t seem to be worth my time. However, I have now discovered that it does work and I can save more money than people said you could save.

Some basic budget saving principles to follow are using coupons when items are on sale, stocking up on items that you frequently use and going to more than one store for your purchases. Often I buy the smallest rice, diaper package possible because I am more likely to get that item free. Most stores allow you to stack coupons. That means that you can use a store coupon and a manufacturer coupon on an item that is on sale and often get that item for pennies or even better for free. When I first began couponing, I learned how to coupon at one store at a time. Some stores can be confusing at first, but I have posted the basics for each of the stores that I have learned to coupon at. Coupons really can help you save much money and live within your budget.

To help those of you who are new with this, I’ve come up with a Weekly Plan to ease you into couponing and explain some things along the way. I hope you enjoy and start saving money.

Week 1 – Getting Organized
* Buy a Sunday paper. Cut out ALL of the coupons. This may seem overwhelming, and you may think – why do I need all of these? Start by clipping all of them because you’ll be surprised at the coupons you can use and then get paid for buying an item that you had already gotten for free. Since you don’t know which ones of these there are yet, clip all of them.
* Print all coupons from bar in the left column. (You can click “See all Coupons,” then select to print all.) (You can also print coupons from SmartSource.com and Redplum.com)
* Buy a 3 ring binder, baseball card holders, and dividers. Click here and here to see how to organize this notebook.
* Unless you’re Superman or Wonder Woman – don’t try and shop this week.

Week 2 – Get Started (Rite Aid and 1 Grocery Store)
* Buy a Sunday paper. Cut out ALL of the coupons. For reasons why see week 1.
* Print all coupons from bar in the left column. (You can click “See all Coupons,” then select to print all.) Check back at Smartsource.com and redplum.com to see if there are any new coupons to print.
* Using Budget Saving Mom’s deal finders (the drugstores should be published Sunday/Monday, and the grocery store deals will come out Monday/Wednesday/Thursday), pick a drug store and one grocery store to go to. I would suggest starting with Rite Aid because they are the easiest to follow. To see Rite Aid’s policy click here. For a list of all store policies and budget saving tips, click here. REMEMBER YOU HAVEN’T STOCKPILED VERY MANY COUPONS YET, SO YOU MAY NOT BE ABLE TO GET ALL THE DEALS THAT ARE LISTED. BE PATIENT, WITHIN 3-4 MONTHS, YOU SHOULD BE ABLE TO GET THE ENTIRE LIST OF DEALS.
* BEFORE going to the stores, get two envelopes and label them with the names of the stores. Print the deals from Budget Saving Mom’s site that you plan on buying. Pull the coupons that correspond to the deals that you will be getting and put them in the envelope. You can still bring in your notebook and search for additional deals after you have gotten the items from your list in your cart (or stroller if you are like me.)
* Since you’re new at this and until you have a good idea of how much you should pay, limit yourself to buying only items that are free, less than a dollar after coupons, and things that you are pretty sure you will use. Remember, when you’re buying an item that you can get multiple sizes of, get the smallest size you can to maximize the amount of money you will save. (For example if you have a $1 off coupon for a body wash, buy the 4 oz. one that costs $1.25 as opposed to the $3.50 8 oz. one).

Week 3 – Rite Aid and another grocery store
* Buy a Sunday paper. Cut out ALL of the coupons.
* Print all the printable coupons on the sidebars.
* Go to your drug store from last week. And using Budget Saving Mom’s deals that are listed, pick the best money saving grocery store for this week to go to.
* Do the same as last week. Print your list, highlight which items you’re getting, and put your coupons in an envelope and bring your list. Also, bring along your notebook for any extra time you may have to find other deals.

Week 4 – CVS and a grocery store
* Buy a Sunday paper. Cut out ALL of the coupons.
* Print all the printable coupons on the sidebars.
* Try out CVS. When you get into the store, don’t forget to get a CVS card BEFORE you make your purchases. To see how CVS works, click here. Limit yourself to only purchasing those things that you can get Extra Care Bucks back and that will then turn out to be free or moneymakers.
* Also, pick the grocery store with the best deals for this week, print your list, pull your coupons and envelopes and hit the road. Print your list, highlight which items you’re getting, and put your coupons in an envelope. Also, bring along your notebook for any extra time you may have to find other deals.

Week 5 – CVS again with extra care bucks and a grocery store
* Buy a Sunday paper. Cut out ALL of the coupons.
* Print all the printable coupons on the sidebars.
* Do CVS again, this time you can spend some of those Extra Care Bucks, but make sure that you are also purchasing something that will replenish your Extra Care Bucks stash.
* Pick your grocery store to shop at. Print your list, highlight which items you’re getting, and put your coupons in an envelope and bring these items with you. Also, bring along your notebook for any extra time you may have to find other deals.

Week 6 – Walgreens
* Buy a Sunday paper. Cut out ALL of the coupons.
* Print all the printable coupons on the sidebars.
* If you’re feeling bold, you can try out Walgreens. Click here for instructions on how to save at Walgreens.
* Pick your grocery store. Print your list, highlight which items you’re getting, and put your coupons in an envelope and bring these items with you. Also, bring along your notebook for any extra time you may have to find other deals.

So, there you go – you’re 6 weeks into this, your stash of coupons should be building, and you should be saving money!

For additional information:

1. Stocking Up (buying more than you need right now to save later)- a new way of shopping.
2. Balancing Coupons with Life: part 1, part 2, part 3
3. A Newbie Success Story
4. Store Policies
5. Additional ways to get coupons
6. Budget Saving Tips when shopping
7. Budget Saving Freebie Tips

For even more tips including how to organize coupons, click on basics for beginners on the right side of the site.

Rene and Karen
Budget Saving Mom
http://www.budgetsavingmom.com/


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

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I am a wife, mother, daughter, blogger, teacher, friend – a woman of many different hats. My delights are my husband, my five kids, reading, shopping, and spending time with friends and family. I am a Florida girl transferred to the heart of the DC-Metro area. I'm glad you're here! Learn more about Ashley.

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