Commit a time-slot to coupon and cut the distractions. Like many things in life, couponing doesn’t take that long when it has your full concentration. My fellow wanderluster, Alicia, allots ~1-2 hours per week and saves about $25-$50 weekly, which, as she thriftily puts it, “equivocates to making $25-50 an hour!”.
2. Find coupons.
Determine where your local coupons can be found. Depending where you live, coupons pop up in five main places:
Store coupon walls/bulletin boards
To ensure you’ve covered your bases, follow these steps:
Sign up for your local newspaper.
Check your store bulletin board for coupons before your shopping (typically at the store entrance).
As my friend Erin says, “if you’re organized, [couponing] doesn’t really take much time”. If you attempt it haphazardly, you’re likely to give up and deem it time-consuming. If your approach is concise, it shouldn’t take long!
Organise your couponsin a way that works for you (turns out, there’stons of options). Erin and Alicia stick with the common plastic binder method, which sorts and divides coupons with tabs and pockets. Note: place coupons that expire soonest at thefront.
Sift through your coupon resources one by one (e.g. local newspaper, online, apps), then add relevant ones to your booklet.
Now, the rest is easy! The next time you grocery shop, open your coupon binder and see if any of the coupons match items on your shoping list. Note: the CartSmart app does this for you, though it’s not all-inclusive in scoping coupons.
4. Beat the system: understand overage.
“Overage” happens when the worth of your coupon exceeds the cost of the product. That means you are either owed money in cash from the grocer, or get credit towards your current bill. Sweet! But how can this happen?!
There are many scenarios that create overage:
Combining a manufacturer couponanda store coupon together. Example: Yummy Bread has a manufacturer coupon for buns. Your local grocery also has its own coupon for Yummy Bread buns. Combine & voìla! Double the savings.
Using a coupon on an item that has been reduced/on clearance. Example: You have a Yummy Bread manufacturer’s coupon for buns, and then find a bag that’s reduced by 50% for quick-sale, now only $1. Apply your $3 coupon to the reduced $1 buns and presto – you’ve got $2 in overage!
Applying “Catalina” coupons on your bill.Example: Big chains like Walmart may offer “save _ dollars off your next purchase” – these are also known as “Catalina” coupons. Lets say you only owe $3 on your current bill. Apply a “$5 off” Catalina and you’ve now got a $2 overage. Nice!
Price-matching an item that you’re already using a coupon on.Example: Walmart is selling Oral B toothbrushes for 99 cents. You price-match at a neighbouring storeandapply a coupon offer of “buy 3 toothbrushes, get $4 off”. Since they’re only 99 cents each, if you buy 3 then you’ve got an overage of $1. Well done!
Some of the most common couponing issues you may encounter include:
Some stores will not pay overage in cash. Instead, you may receive credit for future purchases.
You may need to fill the overage gap with “fillers”. Because a store may not grant overage in cash or a shopping credit, you may need “fillers” – items that add up to the near/exact overage amount. For instance, you have a $1 overage from coupons, you may then need to grab an item that’s $1 (e.g. gum) to fill the remaining overage. If you’re really savvy, you’ll have lots of overage and this will fund the rest of your regular grocery items like fruit and meat!
Stores may not allow you to use two coupons simultaneously, such as a manufacturer’s coupon and a store coupon.
A store may also not carry the product you have a coupon for.If your trip is far or your item is essential or popular, you may want to phone ahead to see if it’s in stock.
Final Tips to Couponing
Don’t just buy something because it has a coupon.Only buy what you need!
It pays to check. A brand name with a coupon isn’t always cheaper than discount brands, and buying it at a more expensive store that accepts your coupon could still be pricier than buying it somewhere else.
See a free coupon magazine? Don’t just grab one,grab several! Even if coupons are limited to one per transaction, you can use them again on another trip!
If you have a high value coupon,hold outuntil that item is further discounted for maximum savings.
If you’re really keen for savings,write to manufacturersof products you love & you’re likely to get some coupons of appreciation in return. Extreme couponersvouch that this worksquite often.
Know the terms & conditionsof your coupon before going out so you are prepared to explain them on check-out if need be. Shoppers behind you will also be grateful if you know what you’re doing and are prompt!
Author:Marilyn Cortez Phone: 956-587-1633 Dated: November 21st 2016 Views: 442 About Marilyn: Always ahead of the highly competitive RGV real estate market, Marilyn Cortez is a Spanish speaking ...
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Always ahead of the highly competitive RGV real estate market, Marilyn Cortez is a Spanish speaking native of the Rio Grande Valley. Born and raised in Mission, Marilyn is committed to her clients, and is recognized as a Top Agent in the Greater McAllen Real Estate area, and within Keller Williams Realty. Since the start of her Real Estate career in 2007, she has sold over 40 million dollars of real estate. Known by her fellow real estate agents to be hardworking, honest, dedicated and motivated, Marilyn is knowledgeable in all areas of Real Estate and has built her business on results, with more than 70% of her clients being repeat clients.
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"Marilyn helped us buy our first home, and we never felt like we were out of the loop. I was always informed about every single step of the process, and if I had any questions or concerns, Marilyn answered all my questions in a timely manner. I highly recommend her as an Agent, and I can't wait to do business with her again."