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Page 1: Why We Started Couponing ………………… 3 10 Couponing Myths ...wp.production.patheos.com/blogs/faithandfinance/... · Why We Started Couponing Couponing isn’t about saving
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2

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

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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.

HowToCouponBook.com © 2012

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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

HowToCouponBook.com © 2012

One of our first deals Retail Price: $4.49 each

We Paid: $0.75 each

Total Savings: 84%

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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

1

2

3

4

5

HowToCouponBook.com © 2012

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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.

6

7

8

9

10

10 Couponing Myths Busted

HowToCouponBook.com © 2012

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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.

HowToCouponBook.com © 2012

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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.

HowToCouponBook.com © 2012

Find Coupons Here:

Local Newspaper

eBay

Facebook

Online Coupon

Databases

In Stores

On Products

In Libraries

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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.

Facebook

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

HowToCouponBook.com © 2012

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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

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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.

HowToCouponBook.com © 2012

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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.

HowToCouponBook.com © 2012

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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

HowToCouponBook.com © 2012

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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!

HowToCouponBook.com © 2012

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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

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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.

HowToCouponBook.com © 2012

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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18

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!

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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

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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!