Why We Started Couponing ………………… 3 10 Couponing Myths...
Transcript of Why We Started Couponing ………………… 3 10 Couponing Myths...
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Why We Started Couponing ………………… 3
10 Couponing Myths Busted ………………… 5
Couponing Terminology……………………… 7
Where To Find Coupons ……………………… 8
The Basics of Couponing ………………………11
The Art of Stacking Multiple Discounts ……...12
Coupon Stacking: Buy One Get One ………13
Stacking Manufacturer Rebates …………….14
Using Store Rewards With Coupons …………15
How to Get Store Rewards…………………….16
Building Your Stockpile …………………………17
Organizing Your Stockpile……………………...18
Coupon Etiquette ……………………………….19
Essential Couponing Resources ………………20
Table of Contents
HowToCouponBook.com © 2012
Extended Resources
Found Online.
Click to download:
Coupon Binder
Organizer
Coupon checklist
Savings calculator
spreadsheet
Why We Started Couponing
Every time we needed to go to the store, I cringed. Our budget was already tight
and the grocery and toiletries budget seemed to be bursting at the seams. Unless
something changed, we were on track to increase our budget for everyday food
items and things like toothpaste and deodorant.
It doesn’t seem like much, but those everyday items add up fast. Spending $4 on a
toothbrush or $3.50 on a tube of toothpaste was just the normal thing to do. Add
that to the list of monthly expenses and you can easily spend $20, $40, or $60+ on
these necessities with each trip to the store.
But we were tired of being normal. If normal meant spending hundreds of dollars
each month on things that you can buy for pennies on the dollar, we didn’t want
to have anything to do with it.
We hit our breaking point and decided that we didn’t want to sacrifice the
necessities because our budget wasn’t expanding with the store prices. That’s
when we decided that couponing might save us a few dollars and make each
month a little more bearable.
To Coupon or Not to Coupon…
Now, we’ve always tried to be frugal, so it felt like couponing would fit nicely in our
everyday spending habits. For example, we would always buy the off brand items
because they were cheaper. But using coupons didn’t make sense, especially
when the store brands were still cheaper than using a coupon on a name brand
item. (As you’ll find out, this is one of the biggest myths of couponing, but at that
time, we had no idea.)
Our frugal mindset was the perfect start to our attempt to learn how to coupon,
but it wasn’t a prerequisite to starting. We learned that the key to couponing is to
be open-minded. You’ll never save 80% on everyday items each month if you
write off the idea of couponing. We almost didn’t start because the idea of
couponing seemed to be a waste. Why would anyone spend an hour clipping
coupons to save $0.30 on ketchup?” If you’ve ever said this (and we have!) this
guide is for you.
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Why We Started Couponing
Couponing isn’t about saving $0.30 here and there. It’s about knowing
when to apply coupons to store sales so that you can walk out with
toothbrushes for $0.25 and toothpaste for absolutely free. Once we
learned these things, it made shopping enjoyable again. Imagine coming
home from the store with over $80 worth of products that you’ll actually
use, but you only spent $13 on it all. That happens to us all the time.
I know some people are probably thinking, “That’s great, but I don’t want
to be like one of those ‘extreme couponers’ like you see on TV.” Me either!
Actually, I don’t really like watching those extreme shoppers because it
seems wasteful to me (and borderline insane to buy 200 bottles of
barbeque sauce because of a sale).
Trust me, I was a skeptic too. But my wife
made me a believer. She took the reins
and learned how to coupon, which has
saved us at least $4,000 this last year. Since
it’s just the two of us, this was a huge part of
our food and toiletries budget. If you have
a family, you can easily double or even triple
that figure if you learn the basics of couponing.
I’m excited for you because coupons will
change your finances – I know because it
changed ours! If you’re still not convinced
about coupons, keep reading. The 10 Coupon
Myths Busted section should put those
misconceptions to rest.
Continued
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One of our first deals Retail Price: $4.49 each
We Paid: $0.75 each
Total Savings: 84%
If you’re like me, you probably have some reservations at this point about
couponing. I’ve heard, and even said, just about every excuse in the book about
coupons. The truth is that once you understand how to coupon, you’ll see that
these myths don’t hold any water.
People who coupon spend more money on things they don't need.
The point of couponing is to save money – not turn you into someone who
buys anything that’s on sale. A smart coupon shopper will save more money
in the long run by purchasing things on sale and stocking up on a great deal.
Coupons are for junk food only.
You don’t have to look hard to find coupons for eggs, milk, yogurt, salad,
canned/frozen/and sometimes even fresh veggies and fruit. There’s a
coupon for just about anything in the grocery aisle, which does include
organic or processed food. If you have a hard time finding coupons for food
brands you love, you can still save money – especially when it comes to
toiletries, cleaning supplies, air fresheners, and so many more things.
The stores around me don't double/triple coupons, so I can't save money.
Wow, it would certainly be nice if every store doubled coupons, but it doesn’t
mean that you can’t get good deals on things. We do most of our
couponing at Walmart and Walgreens and neither store will double coupons.
We’re still saving 80% on countless purchases, so it’s possible to be successful
even if your stores don’t double the coupons.
Coupons are only for poor people.
This is not entirely true. I wish the poorest of families would use the coupon
strategy we use, because they would save thousands of dollars each year.
The truth is that the highest users of coupons fell in the income range of
$25,000 to $50,000 a year according to a survey by NCH Marketing Services.
I never see coupons for my brand, so couponing isn’t for me.
Just wait a little longer, you’ll probably see a coupon for it. Newspaper ads
will circulate different brands and products every few months. It’s not
uncommon to see a coupon for a specific item come back after a month or
two (which is why we take advantage of the sales and build our ‘Smart
Stockpile’ when the deals show up). Online notices and printable coupons
make finding a specific product even easier! Myth busted!
10 Couponing Myths Busted
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Store brands are cheaper than name brands even with coupons.
This was a mistake that we made for years. Before we knew how to use
coupons correctly, we would go to the store with a coupon for $0.75 off a
certain product. When we got there, we would see the store brand
underneath the name brand item and it was $1.00 cheaper, so we’d get the
store brand. If you use the coupon stacking strategy, you’ll learn how to pair
up coupons with in-store deals, making name brand products much cheaper
than the store brands.
It's a waste of time and effort to shop at multiple locations just for 'a deal.'
There’s nothing worse than wasting time driving across town to save a few
pennies. Smart coupon users won’t waste time driving across town for one
specific item to save $0.50. With a little preparation, you can tackle all your
deals at one store and finish at another. The best part about couponing is
that you know what you’re shopping for ahead of time, so you won’t make a
trip unless you have to.
Discount stores like Sam's and Costco save more money than couponing.
The problem with the big box stores is that you have to buy in large quantities
and you cannot use coupons. At other stores, you’re able to use a coupon
per item, which is less expensive than buying the same items at the bix box
sores. These stores can have great deals on certain items, but for everyday
products, you’re much better off at a smaller store where you can get it for
pennies on the dollar - or sometimes even for free!
Just go to the dollar stores, it’s cheaper there.
You know that not everything at the dollar store is $1, right? It’s just not true
that dollar stores are cheaper than regular stores. But it’s good to note that
some dollar stores will accept manufacturers coupons, which means that you
can do your couponing there too.
You should only clip and use coupons for things you'd normally buy.
Sometimes coupons will make products free or will actually make you
money. We've used free items as gifts and have found other free products to
be surprisingly useful.
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10 Couponing Myths Busted
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Couponing Terminology
AR: After rebate – the cost of an item after you’ve received the rebate offer
Blinkies: In-store coupons you’ll find from a dispenser with a blinking light.
BOGO/B1G1: Buy One Get One Free
BOGO 50%: Buy One Get One 50% Off
Catalina: Coupon printed at register after purchase. Use as cash on next purchase.
CPN: Coupon
DND: Do not double
EB/ECB: Extra Care Bucks – CVS’s rewards program
FAR: Free after rebate
FARR: Free after Register Rewards
GM: General Mills Newspaper insert
IVC: Instant Value Coupon – Found in Walgreens’ monthly store coupon books
IP: Internet Printable coupon
K: Kellogg’s Newspaper Insert
MFC/MFR: manufacturer’s coupon
MIR: Mail in Rebate
MM: Moneymaker
OOP: Out Of Pocket – the price you pay after all discounts and coupons used.
OOS: Out Of Stock
Overage: Saving more than what the item costs. See store policy for keeping overages.
OYNO: On your next order
Peelie: Coupon you peel off product package
P&G: Proctor & Gamble Newspaper Insert
PSA: Price Starting At
RP: Red Plum Newspaper Insert
RR: Rebate (or Register) Rewards Walgreens
SS: Smart Source Newspaper Insert
Stacking: Using store and manufacturer coupon on one item.
Store coupons: Store specific coupons, not able to be used elsewhere
Tear Pad: A pad of coupons near a product or in an aisle at a store.
UPC: Universal Product Code – the bar code on products
WSL: While supplies last
WYB: When You Buy
YMMV: Your mileage may vary – It means your deal may not be the same depending
on your area or store.
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You can find coupons almost everywhere. The most
common places are online, in the newspaper, on
facebook, in the store and on the actual products. I’ve
even heard of people requesting coupons from
manufacturers or buying them on eBay.
But just because you see a coupon doesn’t mean that
it’ll be worth using. There’s a science to using coupons
properly and when you understand how to start
doubling and stacking coupons with store deals, you’ll
see your stockpile grow for pennies on the dollar.
Manufacturer Coupons in the Newspaper
Most Sunday papers will include coupon inserts.
Sometimes the coupons are regional, meaning that
certain ones won’t be included in your local paper and
the coupon value may vary depending on the state
you’re in. The most common inserts that you’ll find will
include Redplum, Smartsource, and P&G Brandsaver.
Buying Newspapers for Coupons
We will buy 4 newspapers most weeks and spend about
$4-$6 total for them. The strategy behind this will be
explained in detail later, but the basic idea is to simply
have multiple coupons that you’ll use to build your
supply of products. It’s recommended that you buy at
least two newspapers for each person in your
household. For a family of three, you can expect to
buy 6 newspapers each week so that you have
enough coupons to put towards the products you use.
A frugal alternative to buying newspapers would be to
ask friends and family members to save the coupon
inserts from the Sunday paper. If your employer has a
newspaper subscription, see if you can have the
coupon inserts as well. I’ve heard of people dumpster
diving for coupons…but that’s a little too extreme for
me!
Where To Find Coupons
On most holiday
weekends, you
will most likely
not find any
coupon inserts.
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Find Coupons Here:
Local Newspaper
eBay
Online Coupon
Databases
In Stores
On Products
In Libraries
Manufacturer Coupons on the Internet
You can find a coupon for almost anything by doing a
search online. We use coupons.com, smartsource.com,
redplum.com and couponnetwork.com.
You can also get coupons from manufacturer’s websites
by looking for an ‘offers’ tab on their website. Be sure to
request free samples from manufacturers as well, since
you’ll get a nice freebie as well as a high value coupon in
most cases.
Some couponing blogs will have printable coupon
databases, so if you’re looking for something in particular,
you can look through the available coupons and see if there’s one for a product
you use. It’s usually sorted by brand name or product type, which makes it easier
to find the coupons you need.
Peelies, Tearpads, and Catalinas
Tearpads are paper coupons that are usually attached to the store shelf in front of
the product. You’ll often find recipes on the back of these coupons. While you
shouldn’t remove the entire tearpad to take all of the coupons, you feel free to
take 3-4 coupons if you intend to use them for a deal.
Peelies are located directly on the product packaging. It’s controversial whether
you should remove peelies from products that you aren’t intending to purchase
that day. The best practice is to purchase the product with the peelie on it so that
you can actually use the coupon on the spot.
Catalina coupons are printed at the cash register at certain stores. You can use
these coupons on future purchases, so keep them in mind when planning your
next purchase. You should also remember that they expire quickly, so don’t
forget to use them.
When you ‘like’ the pages of your favorite brands, you can often get an
immediate coupon as well as updates on future coupon or rebate offers. Just be
sure to act quickly because Facebook coupons often reach their print limit
quickly.
Where To Find Coupons Continued
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Continued
4 Places You Wouldn’t
Expect to Find Coupons
Your Dentist and Doctor
The next time you’re at the dentist’s office or
doctor’s office, be sure to ask if they have any
coupons or free samples of products that you
use. Most dentists will have toothpaste,
toothbrush, floss, and mouthwash coupons and
doctors will often have free prescription samples
with coupons.
On Trial Size Products
Many sample size products will have a coupon
attached. Whenever you see a sample size or
free trial, always look for a coupon.
With Free eNewsletters
When you sign up for email newsletters from your
favorite brands, you can often get coupons sent
directly to your email.
At the Library
Libraries and community centers often have
coupon-trading boxes that you can look through
and drop off coupons for others.
Where To Find Coupons
HowToCouponBook.com © 2012
Using Manufacturer Coupons
Every manufacturer coupon will have
a strict one coupon per product limit.
This means that you cannot use
multiple manufacturer coupons on
the same item. The manufacturer
coupon will usually include limits on
quantity or product size, so be sure to
read each manufacturer coupon
completely.
Understanding the Two Major Types of Coupons
The Basics of Couponing
Before we get into the details of how to coupon, I want to set some expectations
first. Just like starting anything new, it takes a little time before you get in the
‘swing’ of things. You might feel a little overwhelmed at first, but if you keep at it,
you’ll find that it becomes easier and easier to spot good deals.
You’ll learn ways to become efficient with your coupon clipping and shopping
trips, but it can still take a good amount of time each week to plan ahead. The
exact amount of time you spend depends on how involved you want to be. We’ll
spend anywhere from 1-2 hours a week clipping coupons from newspapers and
online. We also spend anywhere from 1-2 hours a week looking online to see what
deals are coming up. Lastly, time spent shopping each week can be close to an
hour, so 3-5 hours a week is normal for us to devote to couponing and getting
great deals.
Remember how I mentioned earlier that there’s a certain ‘science’ to using
coupons to get the best deals? We’re going outline the doubling and stacking
process right here, but it’s important to understand how the two basic types of
coupons work.
Using Store Coupons
Most store coupons can be used
alongside manufacturer coupons.
This means that you could buy one
product and apply both a
manufacturer coupon and a store
coupon. Store coupons are usually
only good for a month or less, so be
sure to check the expiration date
and use it with your manufacturer
coupon for a better deal.
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Simple example of stacking:
Manufacturer Coupon:
$2/2 ($2 off of two)
Walgreens Coupon:
$0.50 / 1 ($0.50 off of one)
In order to properly ‘stack’ your coupons in the example above, you
would buy two items and use a total of three coupons: one
manufacturer coupon plus two Walgreens coupons. Since you’re
allowed to apply one Walgreens store coupon to each item, you’ll save
$1.00 by using store coupons and $2.00 by using the manufacturer
coupon for a total of $3.00 saved. If each item was $3.00 to begin with,
you’ve just saved 50% by stacking.
The Art of Stacking Multiple Discounts
Combining both the manufacturer and store
coupon is known as stacking coupons. This allows
you to apply great discounts that most don’t think
are possible.
Know Thy Store Policy…
Before we go into other coupon stacking strategies, it’s important to
mention that you should know your store’s coupon policies. Most stores
will allow you to combine store and manufacturer coupons, but may have
policies that limit the use and combination of these coupons with certain
store deals. It’s always good to have a firm understanding of your favorite
store’s coupon policy and doesn’t hurt to print it off to have on hand in
case a cashier gives you trouble.
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Let’s say that your favorite deodorant is on sale at Walgreens – buy one,
get one free. It’s a store deal, so you might need to have their sale
paper to scan at the front register. So without much effort at all, you
could walk out with a 50% savings, but you can do better!
If you’ve been diligent in clipping coupons, you will probably have a
coupon for the brand of deodorant that is on sale. Since you are
purchasing two items, you are allowed to use two coupons, even if one
of the items is discounted or free.
So let’s say the deodorant is $3.00 a stick and your coupons are good
for $1.00 off of one. Since you have two items, you can use two
coupons and save a total of $2.00 with the manufacturer coupons.
Thanks to the BOGO sale, you only have to pay for one of the
deodorants, so your total cost drops to $1.00 plus tax. Paying $0.50 for a
$3.00 stick of deodorant means that you saved over 80%. These deals
are very common and simply take a little patience in waiting for the
right sale to come along.
Coupon Stacking : Buy One Get One
Sometimes a store will
feature a Buy One Get
One deal for certain
products. Keep an eye out
for these promotions
because you’ll have the
chance to apply a
manufacturer’s coupons to
each item, saving you
quite a bit.
Example of
BOGO Coupon
Stacking
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Manufacturer Offer: Buy $30 get $10
Every so often, you’ll read about a deal online or find a
special coupon that gives you money back when you
purchase so much from a store. Sometimes the deal will
require you to buy a certain number of items of one brand to
qualify for cash back or a discount. Other times, you’ll get
the reward simply for spending a certain dollar amount at
that store – like getting a free gallon of milk when you spend
$100 at a certain store.
These can be great deals, especially if you have coupons for
the brands that are being promoted. For most of the
manufacturer offers, you’ll qualify for the rebate or discount
as long as the retail value of the products you buy is equal to
the spending requirement.
For example, Neutrogena has done a deal where you get
$10 back for spending $25 on Neutrogena products. If each
product is $8.99, you’ll need three items to hit the $25
pricemark for the sale. If you have three coupons for $1.00
off any Neutrogena product, you can apply three to your
transaction and still qualify for the rebate because the retail
value (total before tax and coupons) exceeded $25.
The key is to make sure you send in the rebate right away.
Follow the rebate steps outlined and wait patiently
(sometimes 4-6 weeks or longer) for them to send your
rebate check.
If you want to save even more money, try stacking store
deals and manufacturer coupons to those special offers. It’s
rare that these offers line up, but when they do, you can
really save a lot.
Stacking Manufacturer Rebates
Calculating
the
Savings
$25
- 10 (Rebate)
$15
- 3 (Coupons)
$12
That’s a 50%
savings on
expensive
Neutrogena
products!
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Sometimes you’ll notice a cashier tear off what looks like a second receipt and
put it in your bag. Sometimes it’s a coupon for a similar product, but
sometimes it’s a store rewards voucher that can be used just like cash towards
your next purchase.
A few stores have their own rewards program that gives shoppers a little extra
incentive to shop there next time. Walgreens has ‘register rewards’ and CVS
has ‘extra bucks.’ You can only use the store rewards at the type of store you
received them from. In other words, register rewards from Walgreens cannot
be used at CVS.
There are a few common themes with store rewards, which include:
Must be used by a certain date.
Must be used on a future purchase.
Some cannot be used towards prescriptions, gift cards, or dairy.
Some have a required purchase amount noted on the reward.
Using Store Rewards With Coupons
HowToCouponBook.com © 2012
Retail Price:
$109.21
We Paid:
$11.43
90% Savings!
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By signing up for email updates from your favorite stores, you can usually get
the sale ad in your email a few days before the sale starts. This gives you a
head start to scope out the deals that are listed in the store paper.
The stores that have rewards programs will list the deals in their paper. You can
tell how much you’ll get in rewards because the ad will advertise the amount
next to each product.
Since each store’s rewards program is a little different than others, you’ll need
to learn the rules for your favorite store, which can be found on their corporate
websites.
Here’s an example of getting rewards at Walgreens.
You see an ad in the Walgreen paper that shows
Glade air fresheners on sale for $2.99. Next to the ad,
you see that a $1.25 Register Reward will print out,
which you can use on your next purchase at
Walgreens. If you have a coupon, you can use it here
too. You’ll end up paying $2.99 minus any coupon
you’ve applied.
After you’ve paid for the transaction, your receipt will print out and the
machine next to it will print out a register reward worth $1.25. You can use this
towards your next purchase at Walgreens.
Sometimes you might need to do multiple transactions to maximize your
rewards. This is especially true at Walgreens – the Catalina register rewards
printer will only print one RR for the same item per transaction. This means that
you should break up items that print up register rewards. In other words, if you
want 3 energy bars that cost $1.99 with register rewards of $2.00, you’ll need to
do three separate transactions. Otherwise, it’ll only print out one $2.00 RR and
you won’t get the deal you wanted.
If you really want to save money, try stacking a coupon with a store deal and
register rewards. This is one of the most common ways to get items for free – or
even make money on products.
How to Get Store Rewards
Sometimes the
store ad will
mention the
coupon that is
listed in the Sunday
paper, so be sure
you clip and save
your coupons
each month.
HowToCouponBook.com © 2012
The whole point of a stockpile is to buy enough
items when they are free or cheap so that you
can live off of those and not have to purchase
any at full-price until there is another sale to
stock up on them again. Typically, you’ll see
items go on sale every 3-4 months, so aim to
stock up enough items to last you that long.
But doesn’t that take up a lot of space in my
house?
It really depends on how much you buy and
how large your family is. A three-month supply
of cereal for a couple without kids might be
only a few boxes. But for a family of 5, you’re
looking at dozens of cereal boxes! You can
very easily fill a good-sized closet with your
stockpile, so be strategic with the space
available to you.
It’s helpful to group items together so that you
can see what you have available. It is also
smart to keep them in a central location so that
you can quickly run an inventory as you’re
preparing for your shopping trip.
Building Your Stockpile
We keep our supply in our office closet. It’s out of
the way and forces us to use what we have in our
pantry first. We found that keeping the
unopened items together helps us to use up all of
what we have first. If you mix your stockpile with
items that you’re currently using, you might be
tempted to use more than you normally would. Or worse yet, you might open a
duplicate item and not finish the entire first one. Do your best to reduce waste
by opening one item at a time and finishing it completely.
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Planning on using your garage or basement for your stockpile? Make sure you
are aware of the temperature changes that can happen. Freezing
temperatures can cause cans and jars to break, spoiling the food inside.
Retail Price: $56.00
We Paid: $8.70
85% Savings!
Retail Price: $186.48
We Paid: $5.68
97% Savings!
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Images of deals
It’s helpful to maintain an organized stockpile. Labeling your stockpile will help
you to keep your items neat and allow you to quickly find what you need
before you go shopping. We use a 5 shelf metal unit that gives us plenty of
room to line up new items we buy. You can find a sturdy unit on Amazon for
about $50. You’ll want a sturdy one that will last, so don’t hesitate to spend a
few dollars. In a few months, your stockpile will be home to hundreds of dollars
worth of goods, so you want to make sure you have one that holds up. (Don’t
worry, you’ll only spend a fraction of the price…but still, you don’t want your
shelves to break on you and all your hard work to disappear!)
One of the most important parts of keeping a stockpile is to sort items by
expiration date. By putting the newest items in the back, you force the older
items up front. These items will expire first, so you definitely want to use them up
before they go bad.
When buying items to fill your stockpile, keep in mind that you don’t need to
purchase a three-month supply of one item all at once. We typically buy 2-4 of
an item at a time. Over several weeks, you will accumulate your three-month
supply. And by purchasing the items over several weeks, you will diversify your
stockpile as the weekly sales change.
Another helpful tip is to keep glass jars and breakable items close to the floor.
Put fragile items near the bottom in case they are knocked off of the shelf by
accident.
Organizing Your Stockpile
HowToCouponBook.com © 2012
$260 of Goods for $34
87% Savings!
Coupon Etiquette
If everyone followed this one rule, there probably
wouldn’t be a need for the other points: Do to
others what you want them to do to you.
But, sometimes it helps just to point out the things
that couponers should avoid altogether.
Do not alter coupons. While most online coupon
sites won’t allow you to print more than two per
household, there are times when you might get a
coupon via email. Be ethical and don’t change
the date or any other part of the coupon.
Don’t be a shelf clearer. When a sale on
shampoo makes it $0.50 with coupons, don’t walk
out of the store with 12 bottles of shampoo and
clear the shelves. It’s inconsiderate to other
shoppers and makes you look bad.
Don’t cause a scene. There will be times when the cashier doesn’t
understand the store’s coupon policy like you do. Keep your cool and don’t
make a scene. You want to shop there again, right? Sometimes it’s worth
letting an item go. Giving the cashier a piece of your mind won’t do you any
good. Ever.
Be courteous to those in the line behind you. It’s common to have to do
more than one transaction at the store in order to get the deal you want. If
you think it’s appropriate, go to the back and let others ahead of you. If you
can be quick about two transactions, it usually isn’t a problem just to finish
both – but it’s just nice to be mindful of those waiting behind you.
Help someone out with extra coupons. If you have extra coupons, why not
leave them next to the product for someone else to find? It might make
someone’s day!
HowToCouponBook.com © 2012
20
Essential Couponing Resources
Don’t Forget…
4 or 5 Shelf Organizer
3 Ring Coupon Binder
Coupon Sleeves
Quality Scissors
HowToCouponBook.com © 2012
Online Couponing Sites
coupons.com
smartsource.com
redplum.com
couponnetwork.com
Couponing Blog To Follow
TheKrazyCouponLady.com
SundayCouponPreview.com
MoneySavingMom.com
IHeartWags.com
IHeartCVS.com
Copyright © 2011 FaithandFinance.org
We hope this guide has helped you to get a better
understanding of how you can cut your grocery
and toiletries budget by 50-80%.
It’s still incredible to think about how much money
we save each month by couponing. I hope your
family is blessed beyond measure through the
savings tips shared in this book
-Tim and Nicole
Authors, How To Coupon
Thank you!