Tuesday, September 22, 2009
My Kroger trip today
Walgreens deals today!
Monday, September 14, 2009
Couponing Lesson 3 - Research and Shopping
Lesson 3 – Research and Shopping
OK, so now we have coupons and they are filed so that we can find them. I’m so glad there were some in today’s paper! I have heard that this is a big week for coupons, so hopefully we’ll get more in the Tuesday mailer. But I’m at a loss as to why there were no Walgreens and Rite Aid flyers in the Sunday paper today. Weird.
The next step is to do some research and match up sales and specials with coupons. There are several ways to do this:
1. look through the sale papers yourself and see what you spot that you vaguely remember having a coupon for
2. read the blogs on the internet where people post sales and coupon match-ups
3. read the AfullCup.com boards and see what people have been buying on their shopping trips
I do all three, at least to some extent.
Note: Be careful about prices! Know what is a good price and what you can still get cheaper elsewhere, and know what you absolutely don’t need or won’t use. If it is of absolutely no use to you, it’s a waste of money, no matter how little bit of money it is. Also try to do your deal shopping without driving too much out of your way and using too much gas. Stop by the stores you need when you pass them rather than making a special trip, if possible.
So here’s what you need to do—we’ll start with Walgreens. Get out your coupons and check to see if you have coupons for these Walgreens deals. They will generally post the item with the price, any matching coupons along with where they got them, and the ending price. If it is an internet coupon, they will usually provide the link so that you can print it too. Don’t be discouraged if you don’t have many or any of the coupons—you will get more as you collect them! In a few weeks, you will find that you will have most of what they mention.
http://iheartwags.com/2009/08/0913-0919-weekly-deals-preview.html
This is a great place to see what is coming up at Walgreens. You can even see the ad for 2 weeks from now so that you can possibly even order coupons for the really good deals.
http://www.moneysavingmom.com/money_saving_mom/walgreens_deals/index.html
She usually has Walgreens specials up too, but this week isn’t there yet. She may get it up tomorrow. I check her blog every day to see what special cheap or free things she mentions.
http://www.afullcup.com/forums/walgreens/
This is a great board where people post the deals that they see in the ads or that they have come across in the store while shopping.
I’m just using Walgreens as an example, but check the same sites for Rite-Aid, Kroger and Target. I usually do my own research for Schnucks and Piggly Wiggly by looking at their ads on their websites. (They both double coupons.) I don’t generally find much at those stores, but every once in a while there will be something worth a trip. Sometimes what is on sale in someone else’s area won’t be on sale here, so be flexible. Also remember to check the clearance aisles—you never know what might be on sale that you have a coupon for. I got 2 free bottles of spray men’s smelly good stuff that the teen boys like—I can’t remember what it was called—at Walgreens last week. I put it away for when Adam decides he wants to smell good. Right now, I still have to remind him to put on deodorant.
I use a piece of notebook paper on which I write all the deals that I want to take advantage of, including the price, the specific size, any corresponding coupons I have, the final price after coupons (to see if it’s worthwhile), and whatever other info I may need. I stick it in my (new) coupon binder along with the corresponding coupons. I have a page written and a file page of coupons for each store. That way, they are all right there where I can see them when I’m shopping.
A few tips about each store:
Walgreens
Walgreens takes just about any kind of coupon—newspaper coupons, internet printables, and their own coupons that come in the sale paper or in certain booklets found in the store. They will take a manufacturer’s coupon AND a Walgreens coupon together on one item. The Walgreens coupon actually rings up as a sale price when they scan it.
Walgreens has Register Rewards (RR’s) which are coupons that print out of the Catalina machine (the little machine next to the receipt printer) for $x off your next Walgreens purchase. You have to buy certain items, sometimes 2 or more, to get the Register Rewards. The best way to take advantage of these is to buy these items when you can get them really cheap or free with coupons, then use those RR’s to buy something the next week that you can get really cheap with coupons, thereby lowering or eliminating your out-of-pocket (oop) expense. This is what is referred to as “rolling” the RR’s.
Here’s an example:
Last week, if you bought 2 Glade candles for $2.50 each, you got a $2 RR. I had 2 $3 off coupons for these candles which made them free. So this week, I can take that $2 RR and use it toward the True North nut clusters which are $3 this week and generate a $3 RR. That way, I only pay $1 for them, and I get a $3 RR. (Actually, I have a $1 coupon for the True North clusters, so they will be free too. Yay!) Do you follow me so far? I will use my $2 RR and my $1 coupon to buy a bag of True North and a $3 RR that I can roll next week. Good deal!
There are a few rules about RR’s, though.
1. If I got a $3 RR for the True North clusters and turned around and used that particular RR to buy another bag of the same clusters, I won’t get another RR for the second one. You have to use the RR’s on a different item.
2. You will only get 1 RR for each promotion in a transaction. If I bought 2 bags of True North at once, I will not get 2 $3 RR’s. I will only get one. If you want to buy more than 1 bag, you will need to make 2 trips, or ask the cashier to split it into 2 transactions. (Only do this if there is no one in line behind you. Otherwise, go to the end of the line for the 2nd transaction.) If I buy 1 True North and 1 bottle of Triaminic, I will get both RR’s since they are for 2 different promotions.
3. A RR counts as a manufacturer’s coupon, and Walgreens will not allow you to have more coupons than you have items. So if I am buying only a bag of True North, and I have a $1 coupon and a $2 RR, I will have only 1 item and 2 coupons. I will need to buy some really cheap item as a filler. (The Walgreens coupons don’t count.) Good fillers include clearance school supplies, candy, gum, etc.
Rite Aid
I haven’t been able to find many good deals at Rite Aid lately, so I don’t take advantage of them much. They do have a single check rebate program where you buy the specific item, enter the receipt number on their website, and they will calculate your rebates at the end of the month and send you a check. I only do this for things that I really want or need, or things that I can get really cheap or free to begin with. I don’t like having my money tied up for a month. But you might find it worthwhile. Here’s the website: https://riteaid.rebateplus.com/default.asp?jse=yes
Target
Target has had lots of good deals lately. I haven’t really shopped there much in the past, mostly because you have to go to the superstore on Germantown Road to get the grocery items. But they have had some stuff lately that made it worth the trip, plus Lee drives right by there on his way home from work. He’s still nervous about couponing though, and doesn’t like to do it without me. ;)
Target puts out their own internet coupons that you can use on top of a manufacturer’s coupon on a single item. You can print as many as you want here: http://www.organicgrocerydeals.com/forums/view.php?pg=coupon_generator
They get confused when a coupon is for more than the price of the item, so sometimes they won’t take coupons on travel-sized things, even though the coupon doesn’t specify what size. It all depends on who the cashier is.
Sometime they have deals where you get a $5 gift card when you buy certain things. Roll this gift card onto something else that gives you a $5 gift card to minimize your OOP expense.
Kroger
Kroger also has their version of Register Rewards, but they are known in couponing circles as OYNO’s (off-your-next-order) or catalinas. They don’t do many of these, but they are usually worthwhile. Their Mega Saver deals that they have every once in a while are great too. If you buy 10 certain items, you get $5 off your order. Kroger doubles coupons up to $.60 value too.
So, are you ready to go shopping? I hope I haven't overwhelmed anyone! It does take some time, but it really pays off, especially these days when money is tight. I'll do another lesson in the next day or two about the actual shopping process. It won't be as long as this one, I promise.
Couponing Lesson 2 - Finding Coupons
OK! So now you have your system all set up. Hopefully. If not, you’ll need to get a system in place so that you can find the coupons that we are about to collect! There are lots of places to find coupons—here are the sources that are most common:
Newspaper
The vast majority of the coupons I collect come from the Sunday paper and the sale mailers that come on Tuesday or Wednesday. There are three companies that put out the coupon sections in the paper—Red Plum, Smart Source, and P&G (Proctor & Gamble). General Mills also sends out some occasionally. Red Plum usually comes in the Sunday paper, Smart Source in the weekly mailers, and P&G and GM come in the Sunday. (They don’t put these out every week.)
I have a subscription to the paper only on Sunday that I ordered online for $7 and something a month. I see on their website that it’s now $11 a month, so paying $2 each Sunday for it is a cheaper deal, even if there are 5 Sundays in the month. But keep an eye out for specials—it’s a pain to have to remember to buy a Sunday paper every week.
If you have friends and family that get the Sunday paper and don’t use their coupons, ask them if you can have them. Multiples of coupons are good! It’s also not a bad idea to look through recycling bins if you come across them while taking a neighborhood walk. And everyone gets that Tuesday mailer with the grocery sale papers. And I’ll bet most people just throw out those coupon sections!
In-store
Many coupons can also be found in the grocery store. You’ve seen the little boxes that dispense coupons—these are called “blinkies” in couponing lingo. Some products have coupons on them that you can use right then—these are called “peelies” since you have to peel them off the packaging. Sometimes stores will have brochures or coupon booklets available, usually in the front of the store, in certain departments, or hidden inside coloring books or informational booklets, some of which you have to pay a minimal amount for. Just keep your eyes open when you go shopping—you’ll be surprised at what you’ll notice.
Mailers
Many manufacturers will mail out coupons to you if you are in their database. You can fill out online forms that manufacturers have on their websites, join e-mail newsletters, and even just e-mail them to have them send you coupons in the mail. If there is a particular product that you always use, it doesn’t hurt to e-mail or even call them and ask for coupons. I will post places to request coupons as they come along.
Be sure you get on Kroger’s mailing list, since they send out coupons and coupon booklets, some even for free things. If you have a Kroger card, be certain that they have your correct address on file. If you never get coupons from them, call them. That’s what I finally had to do, and they didn’t have a mailing address on my account. If you don’t have a Kroger card, GET ONE! It will be very valuable.
Product packaging
Keep a lookout when you open a product—sometimes you can find coupons inside labels or boxes or in the instruction sheet.
Internet-Printable coupons (IP’s)
There are several websites that have coupons that you can print out on your printer at home. They include smartsource.com, boxtops4education.com and others. When we start matching up coupons, I will let you know which ones to print out for which deals along with the link. There is no reason to go all over the web and print out every coupon. It’s time consuming, a waste of paper and ink, and it will take up unnecessary room in your coupon file. You will sometimes be prompted to download a coupon-printing program. It’s OK—you will have to have the program to get the coupons. You generally will have to print these from Internet Explorer or Netscape. Many coupon-printing programs don’t work with Firefox or Chrome. You can usually print only 1 or 2 from each computer that you have access to.
Some stores have stopped taking IP coupons, because I guess there is a high risk of fraud from people copying them and making fake ones. Walgreens always takes them, as does Kroger, although once I was in Kroger and the cashier told me that they don’t take any that have a value of more than $1. But I haven’t been told that since, so I’m hoping she was mistaken. The last time I was in WalMart, they wouldn’t take them, although I e-mailed corporate and got a copy of their coupon policy which states that they do. Rite-Aid is the same way, at least the one in Bartlett. But I avoid them anyway, because I always run into some kind of problem. I’ll review each store in a later lesson.
E-coupons
Here’s my blog post on using e-coupons at Kroger: http://memphismommies.blogspot.com/2008/11/e-coupons.html
So, your assignment for the next few days is to gather as many coupons as you can, ask friends and family who get the paper if you can have their coupons, and file them in your coupon system.
I hope you’re not too overwhelmed already! So let’s review:
1. Set up a coupon file system in a file box or binder, including dividers
2. Collect coupons from the newspapers, friends’ newspapers, product packaging, and go ahead and round up any you already have around the house
3. File them in your file box/binder
4. Get a Kroger card if you don’t have one, and register it at the three e-coupon sites
Next lesson: Research and Matching-up!
Couponing Lesson 1 - Organization
OK—it’s time for your first assignment! We will be collecting coupons this week, so we need to set up a place to store them so that we can find them. Here’s my post on my blog about my system-- http://memphismommies.blogspot.com/2009/06/couponing-lesson-1-organization.html
Here’s a picture of my file box: http://i152.photobucket.com/albums/s166/janeysotherstuff/MVC-781S
And this is my friend Coral’s video of her coupon binder:
http://www.youtube.com/watch?v=ZNorXLOhab4
There are more videos of other people’s binders and systems in You Tube too, if you want to check out all the options.
Regardless of which you choose to start out with, you can change it up as you go along as your needs change and grow. I am considering trying the binder method just so that I can compare a binder vs. a file box.
Stay flexible with the categories you make up, because you will find that they will change as you see which coupons you tend to collect more of. You may need to break a category down into more specific categories later as you get more coupons.
We will start collecting coupons when they come in the mail tomorrow (for Memphis folks) and then on Sunday.
Wednesday, June 10, 2009
My shopping trips today!
Schnucks:
fresh boneless, skinless chicken breast: 8.45 lbs @ $1.87/lb = $15.81
3 sandwich cookies (for church): 3 @ $1.78 = $5.34
Suddenly Salad: 2 @ $2.49 - BOGO free sale = $2.49 - $.50Q doubled = 2/$1.49 or $.75 each
Oscar Mayer bologna: 2 @ $3.49 - BOGO free sale = $3.49 - $1/2 Q = 2/$2.49 or $1.25 each (These are BIG packages, and my family loves bologna.)
Schnucks Total: $27.13 - $2 in coupons = $25.13 + $2.06 tax = $27.19
We have enough chicken and bologna to last a while now! ;)
Piggly Wiggly:
bread: 2 @ $1.49 = $2.98 (Not a good deal, but we had to have it.)
hot dog buns = $1.09
Pop Tarts: $2.00 sale - .55Q doubled = $.90
Grapes: $1/lb sale = $3.83 (I never buy them if they are more than $1/lb.)
Crest toothpaste: $1 sale - .50Q doubled = free
Texas garlic toast: 2 @ $1.67 sale - .50Q doubled & .40Q doubled = 2/$1.54 or $.77 each
Ziplock slide storage bags: 5 @ $1.50 each sale = $7.50 - 2 $1/2 Qs & .40Q doubled = 5/$4.70 or $.94 each
(I needed these to store all the chicken and hamburger in!)
Dawn dish detergent: $1 sale - .25Q doubled = $.50
Piggly Wiggly Total: $22.74 - $7.20 in coupons = $15.54 + $1.91 tax = $17.45
Kroger:
Lysol lemon pourable: $1.84 clearance - .50Q doubled = $.84
Lysol spray cleaner: $1.59 clearance - .50Q doubled = $.59
Lysol mildew spray: $1.97 clearance - .50Q doubled = $.97
Kraft grated cheese: $3.79 - BOGO free sale = 2/$3.79 - $1 Q = 2/$2.79 or $1.40 each
Kraft 2% grated cheese: $3.89 - BOGO free = 2/$3.89 - $1 Q = 2/$2.89 or $1.45 each
Kraft 2% slices: $3.99 - BOGO free = 2/$3.99 - $1Q = 2/$2.99 = $1.49 each
Kraft slices: $3.35 - BOGO free = 2/$3.35 - $1Q = 2/$2.35 = $1.18 each
Country Crock: $1.99 - .25Q doubled = $1.49
Yoplait: 6 @ .50 each = $3.00 - .40Q doubled - .50 Cellfire Q = 6 @ $1.70 = $.28 each
chicken leg quarters: 8 lbs @ $.57/lb = $4.56
ground beef: 7.58 lbs for $12.63 = $1.67/lb (some were clearanced and some were on sale)
Kroger coupon: $3 off $15 from meat dept
Kroger Total: $43.60 - $11.80 in coupons = $31.80 + $3.05 tax = $34.85
Today's grocery total: $93.47 - $21.00 in coupons = $72.47 + $7.02 tax = $79.49
Not GREAT savings, but really good considering that I got 7 1/2 lbs of ground beef, 8 lbs of leg quarters, 8 1/2 lbs of boneless chicken breast, and 2 lbs of bologna! :-D
Saturday, June 6, 2009
Couponing Lesson 1 - Organization
Now keep in mind, you can't save the kind of money I do on a grocery run like most people do it--run in on the way home in the afternoon and grab whatever sounds good to fix for dinner. Or hit the grocery store on Saturday and buy up everything you will need for the week or maybe for just a few days. Shopping this way is convenient, but it won't save you any money. Oh, you may have a coupon or two that you came across for something you always buy, and you might actually remember to use it when you get to the register. That's not the kind of couponing we're going to be talking about here.
The reason you will save money shopping this way is that you will buy what is cheap WHEN it is cheap and stock up, then plan your meals around that. Now that doesn't necessarily mean that you will be eating Grape Nuts and Chex Mix three meals a day because you got 12 boxes on sale. You will, of course, still have to buy things that perish quickly--milk, bread, produce--on a regular basis. You will stock up on what you will use until the item goes on sale again, or whatever you can buy with the number coupons that you have. It will take a little time to get used to planning meals around what you have on hand, but you will get used to it. And the longer you stock up, the more things you will have on hand to pick from, and the lower your food bill will get.
Sound like a lot of work and no fun? Well, it is a lot of work sometimes--clipping and filing coupons and doing research on sales--but it is a lot of fun! And something happens to you when you get that first really good deal. The Mrs. So-Frugal-I-Make-My-Own-Yogurt part of you takes over, and you look for other ways to save money in other areas of your life. Like making your own yogurt. No, I haven't tried that yet, but I would like to give it a shot! I do make bread occasionally, but I have yet to find a good substitute for a store-bought loaf of bread.
So now you are getting a glimpse of the thought process that goes into all this. Now we are going to get down to business and do some serious couponing. Are you ready?
Step 1 - Organization
You will need a place to file all your coupons - a 4x6 card file box works best, and the bigger the better. There have been occasional times where my coupons filled my box and I had to move on to something bigger, but that's when I was printing out tons of coupons from the internet. I don't do that any more--more on that later.
You will need dividers for the coupons, labeled so that you will know exactly where to look for a certain coupon when you need it. I am a little OCD, and I actually took a class in college called Filing and Record Management, so my system may be a little much for you. But that's OK--you do whatever works for YOU. Here are my cards, for example: Food section--baking mixes, baking supplies, bread, candy, canned foods, cereal,cheese, chips, condiments, dairy, dinner mixes, drinks, frozen meals, frozen veggies, frozen desserts, frozen other, juice, meat canned, meat cold cuts, meat frozen, meat other, produce, sauces, snack bars, snack cups, snacks other, soup. Non-food section: air freshener candles, air freshener plug in, air freshener spray, bulbs/batteries, cleaner bathroom, cleaner windows, cleaners other, contacts, cosmetics, deodorant, dish liquid, dishwasher detergent, feminine, hair shampoo/conditioner, hair color, hair styling, laundry detergent, laundry fabric soft., lotion, medicine pain, medicine cold, medicine stomach, medicine vitamins, medicine other, paper plates/napkins, paper towels, paper other, pets, plastic bags/trash, razors, shave cream, skin care, soap bars, soap liquid, toilet tissue, toothbrushes, toothpaste, miscellaneous.
I printed these on 4x6 cards, and I file the coupons behind each divider. You probably won't have the same divisions I do, because you may buy things that are different. Obviously, if you don't have a pet, you won't have a pet section, and if no one in your household wears contacts, you won't have a section for that either. You will file a coupon wherever you will know to look for it. For instance, if you have a coupon for hand sanitizer, and you didn't decide to make a separate divider for that, you could file it under soap liquid or under skin care or lotion or wherever. It doesn't matter, as long as YOU know where to look for it. Unless hubby or someone else is shopping with your coupons, your filing system doesn't need to make sense to anyone but you. You may not want to create all the dividers right away until you see which coupons you tend to accumulate.
I have read of some people who use a binder with tabbed dividers and baseball card holder pages to store coupons. If you think that would work for you, go for it! I personally think it would be too bulky to me, so I haven't tried it.
I also have a file box on my desk where I keep the sale flyers for the grocery and drug stores, and I have a notepad that I keep with my coupon box where I write down deals that I want to snatch up at each store.
So there you have it! It's not nearly as complicated as organizing your closet or pantry (that we'll do later). But having an organized coupon file is vital!
Next subject: Where to Find Coupons