Recently, I have become aware of the fact that many, many people do not know how to use coupons effectively. Some refuse to use them. Some don't like coupons. Some use them very sporadically. And, believe it or not, some don't think you can save money using them. I, however, am a firm believer in using coupons. If you would like to start saving $100's every month on your grocery bill, then this article is for you.
I. How to Get Coupons
You need to know where to get them in order to use them, right? In obtaining coupons, I have gone through a few different stages. When I first began using coupons, I solely relied on the Sunday paper being delivered to my house each week. In doing so, I had one copy of each insert weekly and cut them out accordingly. For me this just wasn't enough.
Then, I progressed to get high-speed Internet and was introduced to some online coupon sites. These, coupled with my other coupons, gave me, what I felt like, was an ample supply of manufacturer's coupon. I was content as I was saving quite a bit off our weekly grocery bill.
It was only this past summer that I came upon some websites that "peaked my interest". There, I read about a totally different approach to couponing, and I was hooked. Now, I get my coupons from many different sources. Each week, I buy at least 4 local papers on Saturday. Then, on Sunday morning my Sunday paper is delivered with coupons. Occasionally, there are a few more coupons in the Sunday paper than in the Saturday. Depending on the difference, I will go and buy any where from 5 to 7 more papers at a store. This doing, I end up with at least 10 of every coupon in the weekly inserts. That may sound like a lot to some of you, but when you start stockpiling and buying in bulk, it really helps. I still get a lot of coupons from various coupon printing web pages. And, lastly, I get on company's email lists and receive coupons through the mail and email.
To cite an example of how all this comes into play: my husband and I recently went out for the evening. I had a coupon for our meal at Max and Erma's (from the Sunday paper), a coupon for some Christmas presents I bought at Family Christian bookstore (from a mailing I received by being part of their Perks reward program), a coupon for a book at Borders (from my email), and 2 coupons for my purchases at Bath and Body Works (one from a mailing I received and one from my email).
II. How to Organize Coupons
For me, organizing coupons has been a 'work in progress'. I have used several different methods before settling on the system I currently use. My first method was simply an envelope with a few manufacturers' coupons in it for items I knew I would purchase. I clipped very few coupons then, so this system seemed to work. They were not in any particular order and usually expired before I remembered to use them.
Next, I got a little more serious about couponing. I bought a small coupon organizer with dividers in it to separate the coupons into various groups. At this point, I was cutting more coupons than before, and this system seemed sufficient.
After this, I realized that the small holder was becoming so packed that it was hard to flip through the coupons to find the one that I wanted to use. So, I bought a large plastic shoebox container and some large dividers to again separate the coupons by types. This system was actually very effective in that I had a lot of room to store the coupons, they were very well organized by groups, and they were protected in a box with lid. However, the downfall for me in this system is that I was cutting so many coupons, even multiple copies of the same coupon, that I got tired of looking through even the divided sections to find the right coupon. Also, I found that I allowed so many coupons to expire because they got lost in the sections.
And this leads me to what I believe to be the most effective way to organize coupons and the system that I now use. I bought a package of baseball card sleeves (the clear plastic ones with 9 pockets front and back). I placed these sleeves into a large 3 ring binder and began organizing my coupons. Now, I have to say that the initial setup of this system is quite time consuming, but the results are well worth the effort. This is not my original idea. I read an article in our newspaper on a local coupon queen, Heather Tenney, and she highlighted her organizer there. She holds coupon classes in the Cincinnati area and helps many people save lots of money. For more on Heather, aka "Little Miss Know It All", visit her blog: http://www.littlemissknowitall.contentquake.com
Now all my coupons are organized using this system. I placed them in order based upon the aisles of the grocery store I most commonly shop. I can see all my coupons, the value of them, and the expiration date. It has really made using coupons much easier and quicker.
For example, if Cheerios are on sale, I go to the cereal section in my binder. I look for Cheerios coupons and can tell by the amount whether it's a good deal. If it is, I pull out those coupons, for all the Cheerios coupons are in the same pocket and know how many boxes I will buy at the sale price. I have found this current well-organized system to be the best at maximizing savings. I know what coupons I have, where they are, and can quickly determine how many I have for a particular item. I believe that I save so much more money using this system. Again, it is a little more time consuming especially initially, but for me it is well worth the effort.
III. How to Use Coupons Effectively One of the best ways to maximize your savings is to use a coupon on an item that is also on sale. In fact, to get the most benefit, when a particular item is on sale, you should buy enough of that item with your coupons so that you never buy it at regular store price. This buying philosophy is commonly called "stockpiling" in the coupon world and is a great way to ensure you are getting the best deals.
For example, if Colgate toothpaste is on sale this week at the grocery store for $1.00 (locally, it was recently), then I pull out my Colgate coupons of $.75 and I buy as many tubes as I have coupons for free after my coupons are doubled to $1 off. Now, you need to be careful here. Some stores will only allow you so many coupons for the same item per transaction. Yes, I have gone through the checkout line, put my items in the car, and come back in the store for another transaction! Some have even divided up transactions on the conveyor belt and ask the cashier to ring them up separately. But, I have found that this will slow the line down, making the people behind you not too happy, and can even upset store management. I always try to be very conscientious and sensitive to other people in this area, so for me, a trip out to the car is no big deal if it makes everyone happy.
Another note of caution here, make sure you know your favorite store's coupon policy. They vary a lot even within the same chain. For example, I have found that one store will double up to six coupons for the same item; but another store will only double two. That can make a big difference in your savings.
One last note of caution, some stores will frown if you walk in with, say, 20 Colgate coupons and wipe them out of toothpaste. Be considerate of others here. Perhaps a good idea here would be to buy 10 at the beginning of the week and 10 at the end after they get another truck in to restock. That way other shoppers can take advantage of the sale, and you don't wipe out their inventory in one trip.
That brings me to my last point here. Don't hesitate to get a rain check for an out of stock item. Some people don't like to get them, but for me, a rain check allows me to buy the item on sale, when I want and when I have the most coupons for that product. The timing is in my hands and I can use it to my advantage.
So, in conclusion, use coupons in conjunction with sale items and you will find you can save a lot of money off your total bill for groceries, health & beauty items and toiletries. For me, I've regularly saved around $400 each month just in coupons!
For more money-saving tips, visit my blog: http://kingdomklipper.blogspot.com
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