Tuesday Tidbits & Tips: Aiming For Hassle-Free Transactions

Earlier today, I asked you about your biggest fear when you arrive at the checkout line with your coupons.  It got me thinking about our transactions at the register as couponers.

For sure, there are many circumstances and situations that are out of our control when we check out at any store.  I think, though, that there are still a couple things we can do to make our transactions a little less chaotic, smoother, and worry-free.

Here are a few suggestions for hassle-free coupon transactions:

1.  Pull into a quiet aisle in the store before heading to the checkout lane.  Make sure all your coupons are in order and ready to go. For example, I usually end up not buying a few items that I had coupons for.  I put those coupons in a different place so that I’m not frantically trying to pull them out at the last minute.  I also make sure I have the correct amount of coupons for each item purchased.  I quickly glance at all the expiration dates, too.  If you know ahead of time that everything is legit, it makes it less confusing at the register when a “problem” arises.

2.  Put any “free item” coupons with the item on the conveyor belt. I find that this helps the cashier, and most of the time they thank me for it.  It makes it easier for the cashier, because the price-value of the item can be typed in for the coupon immediately after the item has been scanned.  It prevents the cashier from having to scroll back up the screen and find the item’s price for the freebie coupon.

3.  Separate your coupons into two piles: manufacturer coupons and store coupons. When you hand them to the cashier, say, “These are the manufacturer coupons…and these are the store coupons.”  I find that when I do this, there is less confusion on whether I’m trying to “use too many coupons on one item.”  It separates the coupons into two categories for the cashier.  Plus, the cashier often has to manually input store coupons and can simply scan manufacturer coupons.  It makes it flow better.

4.  Unevenly stack your coupons. If you hand over your coupons in a perfectly neat stack, the cashier will usually miss one.  Coupons are thin and tend to stick together.  I usually stack one coupon hanging off slightly to the right, then one to the left, then one to the right, and so on.  It makes it so that there’s always a part of the coupon sticking out.  The cashier rarely misses any of my coupons because of this.

5.  Be polite and courteous. We are all human beings.  We all have bad days.  My biggest pet peeve is the bad reputation that couponers have these days.  It ruins it for the rest of us, and we need to try to change that stigma.  As a couponer, strive to be extra nice, respectful, and polite.  Smile a lot.  You can definitely disagree and stick up for yourself, but do so in a nice manner.

6.  Be persistent. Don’t let the cashier tell you that you’re doing something illegal when you’re most certainly not.  We know the rules of coupons.  We are ethically couponing.  We shouldn’t have to educate the cashiers, but sometimes we have to.  Which brings me to my next point…

7.  Ask for the manager as soon as a problem arises. When I’m checking out and I can see immediately that the cashier is not educated on how coupons work, I almost always say, “Would you mind if we paged a manager?  I just want to verify the rules and make sure I’m doing everything correctly, because this is the way I have always couponed.  I’d hate to be doing something unethical and not realize it.”  Most managers understand the store’s coupon policy.  It might take a few seconds for the manager to come to the checkout lane, but it will probably actually save you time in the long-run.  Dealing with a cashier who is not coupon-friendly can be extremely frustrating and time-consuming.

8.  Let the person behind you know that you have a stack of coupons. Often, if I see somebody rush up behind me in line with just a gallon of milk, I’ll tell them that I have a big stack of coupons.  I don’t want them to get annoyed with how long the transaction is taking.  Usually, they’re very grateful for me telling them that and they switch lines.  This is definitely not necessary, but then again this is my biggest fear as a couponer at the register;)

9.  A deal is sometimes not worth the fight. In the end, sometimes it’s just not worth it.  If you find that you can’t even get through to the manager, it’s often better to just leave your merchandise and exit the store.  It’s not worth getting stressed out, worked up, and enraged with anger.  Let’s just face it – some stores are not coupon-friendly at all.

What About You: Do you have any tips or tricks for a hassle-free transaction as a couponer?

*Photo Credit: Idea Go on FreeDigitalPhotos

Tuesday Tidbits & Tips: Eliminating Excuses.

Quite often, I have acquaintances or friends say to me, “Wow!  A coupon blog?!  How cool!  I want to learn how to coupon.  Can you explain it to me?  I SO need to save some money…”

So I start explaining the basics of couponing to them, and it is almost immediately met with a slew of excuses.  And I’m just going to put this out there.  I don’t want to sound mean, but…

I’m sick of all the excuses.

Do you want to save money or not?  If you truly want to do it, then you can.  Bottom line.  Of course, everybody’s budget and coupon style will look a little different.  There are many factors: diet, geographical location, family size, product preference, stores shopped at, etc.  But everybody can save money with coupons.

Let me counter some of the excuses I hear most often:

“It takes too much time”

Couponing does not have to take up very much time.  You can invest as little or as much time into couponing as you’d like.  I only spend maybe one hour per week on coupon-related activities, and it saves me at least an average of $50 per week.  If somebody paid you $50/hour to coupon, would you?  Because I think that’s well worth it!

“You have to run around to multiple stores to catch all of the deals.”

This is simply not true.  In fact, I highly recommend sticking to just one or two stores that you love.  You can maximize your savings, keep things simple, and save on both gas and time.  By following sale cycles correctly, you can easily stick to one grocery store that you prefer.  This week, Hot Pockets might be on sale at Publix.  But I can guarantee you that in 2 weeks, they’ll be on sale at Winn Dixie for the same price.  No sense in hopping back and forth.  Just stock up and save until the next time.

“But I strictly buy organic products.  Those are expensive, and I know you can’t save on organic food.”

Myth.  Some of the best deals are actually on organic products.  Organic product companies put out some of the highest value coupons, since the products are so expensive.  Stack those coupons with sales and store coupons, and you have yourself an incredible deal.  I often pick up freebie organic items at Publix, Whole Foods, or Target.

“I buy TONS of produce.  There aren’t any coupons for fruit!”

So do I.  I’m a Vegetarian.  My savings aren’t near what some people’s are for this very reason.  Over 50% of what I buy is usually produce.  But I still save.  And so can you.  There’s always somewhere you can save with sales and coupons.

“Nothing I buy ever goes on sale.”

I beg to differ.  Do you use toothpaste?  Shampoo?  Razors?  Then you can save money.  Some of the biggest savings are on every day items that almost every person uses daily.

“It’s way too complicated.”

It’s really not.  It’s actually very easy and simple.  Just have some patience in the beginning to learn a little bit about it, and you’ll soon find out it’s really not complicated at all.

“I don’t want to clip coupons all day long.”

Neither do I.  And I don’t.  I use a filing system for my coupon inserts each Sunday.  I label them by date and file them away.  I then use my coupon database to look up coupons I want each week when I go to the grocery store.  I simply find the insert in the filing system, pull it out, and clip the coupon I need.  I clip coupons 15 minutes per week, right before I go to the store.  That’s it.  I never clip a coupon unless I know for sure I’ll be using it.  Now that doesn’t sound too bad, does it?

“But I’m brand loyal.”

That really doesn’t matter.  Almost all brands go on sale at some point.  Sales rotate on a regular basis.  Crest goes on sale just as much as Colgate, Aquafresh, or Arm & Hammer.  I promise you can get savings on your favorite brands.  And if you happen to pick up a freebie or two that you don’t want to use, just donate it!  That’s the greatest part of couponing!

“I’ll just end up buying way too much stuff I don’t need.”

You don’t have to do that.  Don’t believe what you see on TV.  (Dare I bring up the forbidden E word again?)  I buy what I need, and a little extra to donate on a regular basis.  That’s it.  Easy and simple.  No need to hoard.

“Shopping store brand at Walmart is way cheaper and easier.”

Absolutely 100% the BIGGEST lie you could ever be told.  If you think this, you’ve never truly attempted couponing the way it should be done.  By following store cycles and stacking coupons with sales, you’re sure to save at least double on your favorite brand-name products than you do on store brands at Walmart.  I PROMISE.

“There is no need for me to coupon.  I have plenty of money.”

You know what they say.  A penny saved is a penny earned.  Contrary to popular misconception, it’s not just poor people who coupon.  Some of the richest people I know use coupons.  Why not save money when you can?

“It’s too much work.”

As seen from all the other explanations above, you can probably see by now that I believe couponing to be very easy and well worth the little bit of effort required.

The bottom line is that people who truly want to save…make it happen.  The people who don’t…make excuses.

What About You: What other common excuses to you hear from wannabe-couponers?

*Photo Credit

Tuesday Tidbits & Tips: Be “Persistent”

Last night I went out with 3 of my girl friends to eat some delicious Indian food.  Afterwards, I needed to do a bit of Target shopping, so they came along with me.  My Publix no longer takes Target coupons, so I find myself venturing out to Target a little more often.  I wait until I have a good handful of deals to grab, and then I give in.

Let me just say…I still can’t stand shopping at Target.  I know I sound like a broken (and negative) record, but it’s seriously the least coupon-friendly store in the world.  Their cash registers just aren’t set up right.  Every. Single. Coupon. beeps when they try to scan it.  Literally, that’s what happened tonight.  Not a single coupon went through.  And it was late at night, so I couldn’t scout out a good cashier.  The choices were limited to one or two cashiers.

The cashier studied every coupon before she scanned it…then tried to scan it…then it wouldn’t scan…then looked in the bag to make sure the product was there…then studied the coupon again…then pushed it through.

There were a few problems with coupons.  A few of the Target coupons were limit of one per transaction, which I didn’t realize.  So I had her back it out and do a separate transaction.

By the end of it, my friend Lindsey said to me, “This is why not many people coupon.  You have to be persistent, and most people don’t want to deal with that.  You are persistent.” It was really funny, because I don’t view myself as a persistent couponer at all, so she thought I was offended when I replied that I’m really not.

But then I thought about it…

The definition of persistent: “Continuing firmly in a course of action in spite of difficulty or opposition.”

Yep.  That’s definitely what I do.  I’m no extreme couponer.  And I’m not one of those fighting customers, or even a rude customer.  I try to give couponing a good name.

But I was definitely persistent last night.  I calmly explained each coupon to the cashier, the wording on the coupons, which were manufacturer coupons and which were store coupons.  I was patient and persistent.  When something didn’t go the way I expected it to, I politely asked her if I could go about it differently to get what I wanted while sticking to the coupon policy ethically.

I challenge you to remain persistent as a couponer. No need to be rude or give couponing a bad name.  But it’s definitely okay to be respectfully persistent.  You are the customer, and you’re just trying to ethically coupon and save your family some money.  :)

What About You: Ever had a moment in the checkout lane when you had to be persistent?

*Photo Credit: Fuzzy Gerdes

Tuesday Tidbits & Tips: Rock-Bottom Diaper Prices

April e-mailed me with the following question a couple days ago, after reading Jen’s testimonial that I shared with all of you…

“I read your guest post from Jen and wanted to ask more about saving on diapers. I have been combining a manufacture and store coupon on every pack of diapers since I’ve been following your blog…but is there something else I can do to save more in this area? Jen said she wasn’t paying more than $5 on a pack of diapers. How does she do it?”

When Jen came to me long ago asking about diaper prices, I told her to never pay more than $5 for a jumbo pack of diapers. Now I’m not a mom yet, so I haven’t meticulously broken down the price per diaper per size or anything like that.  But I do buy diapers for my friends who are moms-to-be or for baby shower gift baskets.  And I always aim for that general price of $5 per jumbo pack.

April’s question is one that I get quite frequently, as many readers of this blog are mothers.  So I decided to give all of you a brief overview of how to get the best price possible on diaper deals.

Some guidelines on how to get the best diapers deals:

1.  First of all, it’s really quite easy to create a stockpile of diapers that cost less than $5 per jumbo pack. You’d be surprised how often diapers hit this rock-bottom price.

2.  There are 4 main places to grab diapers at this price: CVS, Walgreens, Target, and Amazon.

3.  CVS:

  • Look for the ECB deals.  Combine coupons with those deals, and you often end up paying less than $5 per jumbo pack.
  • Not to mention, if you already have ECBs from previous transactions to roll, you’ll often pay NOTHING out of pocket for your diapers.
  • Just play the CVS game like you normally would.
  • I post awesome diaper deals when I see them.  For example, this week you can get Huggies diapers for $4.49 after coupons and ECB.

4. Walgreens:

  • Look for the RR deals.  Combine coupons with those deals, and you can again pay less than $5 per jumbo pack.  Just like CVS.
  • Roll your RR to further sweeten your deals.
  • Just play the Walgreens game like you normally would.
  • Infant Care coupon booklet.  This is a booklet that was, and may still be, found in-store at Walgreens.  People have found it near the pharmacy, in the front, or on the baby aisle.  It contains many great Walgreens coupons for diapers that can be paired with manufacturer and RR deals.
  • Also, Walgreens puts their Walgreens store brand diapers on sale buy one get one free every so often.  There is a coupon in the Infant Care booklet for these diapers.  The awesome thing about Walgreens coupons is that you scan them once and it takes off the coupon amount for each item that you buy.  So you could buy 4 packs of diapers, and the $2 coupon will take $2 off each pack of diapers you buy.  Since they are buy one get one free, you’re still getting $2 off the free pack as well.  You end up getting an incredible deal on the diapers.  When you buy a pair at the BOGO deal, you’ll get one for free and $4 will come off the other pack.  The coupons in this booklet are valid through the end of this year.  This is obviously a fleeting deal, but it’s a great one, if you can manage to find that booklet.
  • I post the best diaper deals when I see them.  For example, this week you can get Pampers diapers for $4.49 after stacked coupons and RR.

5.  Target:

6.  Amazon:

  • Amazon is the best kept secret when it comes to diaper deals.  Let me break it down for you.
  • First of all, you need to sign up for Amazon Mom.  It is free.  It gives you the benefits of Amazon Prime, which is FREE shipping on all orders.  In addition, you get a 15% discount on certain diapers and baby items.
  • Second of all, there are often “Subscribe & Save” deals on diapers, where you get a 15% discount.  The only thing to remember with Subscribe & Save is to cancel your subscription after your order ships.
  • Combine the Amazon Mom discount and the Subscribe & Save discount to get a 30% total discount.  Already, you’ve got some fantastic savings.  Here is an example of some diapers you could get 30% off right now.
  • In addition, there are coupons you can use on Amazon for diaper purchases.  These are usually found in the following magazines: Parents, American Baby, Parenting, and Baby Talk (I linked to the best deals for each of these magazines, two of them being free).  There are 2 types of coupons:  Dollars off and percentage off.  You can use one of each of these on Amazon for the same order.
  • In a nutshell: Get 30% off with Amazon Mom and Subscribe & Save, plus use a dollars off coupon and a percentage off coupon.  You’ll end up paying next to nothing for diapers shipped right to your door.  Sometimes just a couple dollars for a HUGE BOX of diapers.

So those are my best tips for getting deals on diapers. I hope this was helpful.  If you have any questions, feel free to comment below!

What About You: How do you save on diaper purchases?

Tuesday Tidbits & Tips: Stick To A Couple Stores!

It’s been a really. long. time. since I did a Tuesday Tidbits & Tips.  I started up Tell Me About You Tuesday, and as a result this weekly feature kind of…well, disappeared.

I’d like to start trying to get back into the Tidbits & Tips, as I think it was pretty helpful to many of you.  I probably won’t do it every single week, but I’m going to make an effort to do it a couple times a month.

So this week’s tip?  I want to encourage you to…

stick to a couple of stores.

I’ve touched on this before, especially in the Beginner’s Resources.  I think sticking to just a couple of your favorite stores is one of the BIGGEST secrets to being a successful couponer.  Why?  For a few reasons:

  1. You don’t get burnt out nearly as easily. Running around from store to store trying to chase every last deal results in coupon burnout, BIG time.
  2. You know your store inside and out. You know your favorite store.  For me, it’s Publix.  I know my cashiers.  I know which ones to avoid, and which ones I love.  I know the aisles.  I know where to find every last item, pretty much.  I know the coupon policy backwards and forwards.  I never run into problems.  There is no way you can make 4 or 5 stores your “regular shopping” places like this.
  3. The sales cycle, and you learn to stockpile with the flow of that cycle. This is one of the biggest reasons why I feel that shopping at multiple stores is pretty pointless.  All items will go on sale at different stores and different times.  If you stick to one store, you can just follow that cycle, stock up on enough of what you need until the next sale, and not have to run around each week to a different store.  Does that make sense?  Say I love Doritos.  They might be on sale this week at Publix and 2 weeks from now at Winn Dixie.  Rather than buy them at rock-bottom sale price at BOTH stores, I just buy enough Doritos at Publix this week to get me through until they’re on sale in another 4-8 weeks.
  4. It saves loads of time, and ultimately money. Time management is huge, especially for a couponer.  What is the point in couponing if it is sucking up every last bit of your time?  No thanks!  We want something that saves us money and saves us time, right???  Also, you won’t waste gas driving around to a zillion stores.
  5. Couponing will remain fun, cheerful, and positive. Something so beautiful can be turned into an ugly extreme when we become obsessive or it is ruling our lives.  Running around from store to store can definitely create this.

My favorite stores?  I shop at Publix every single week, CVS about every other week, Walgreens and Target maybe once every month or two, and Walmart every 6 months (if that).  So for me, Publix and CVS are my weekly stores.

What About You: What are some of YOUR favorite stores?

Want to see other great Tidbits & Tips? Be sure to go HERE to read all of them from the past weeks!

*Photo Credit:  photouten on freedigitalphotos.net

Tuesday Tidbits & Tips (Guest Post): 3 Major Benefits of Budgeting

For this week’s Tuesday Tidbits & Tips, Jennifer from Saving and Giving has graciously offered to do a guest post on budgeting!  She is the budgeting PRO!  I think you will really like this…

My husband and I have been taking Financial Peace University through our church for a while now. We started budgeting as result of that class, and it’s the single most life-changing benefit that we’ve received from our participation. Before taking FPU, we were somewhat careful with our money, but I was the one who was handling just about everything. I paid the bills and then updated Jason on how much was in the checking account. We didn’t plan together. We did have a common vision. We were operating a sloppy system at best!

As we’ve started budgeting our money each and every month, we’ve realized three major benefits of budgeting.

1.  We communicate more.

Just before the start of each month, we sit down for a quick budget meeting. I (being a kind of nerdy, spreadsheet-loving gal) create a basic budget outline for the month ahead of time. We take just a few minutes to review what I created, make any necessary adjustments, and then adjourn the meeting. This quick meeting gives us a snapshot of the upcoming month, both financially and as a family. If we have school pictures coming up, we have to budget for them. That means that we’re looking at our calendar and talking about school pictures. They’re not sneaking up on us and surprising either of us. The same is true for birthdays, anniversaries, and holidays. When there are gifts involved, there is usually money involved. Talking about the money means talking about the events. This helps both of us start thinking about the upcoming month.

We also communicate more about our goals as we budget. We have a variable income, so we pay our basic living expenses from our base salary. We then budget other items from any additional income that we might have each month. We keep a running list of priorities for any additional money. Each month we update that priority list. This gives us a chance to talk for a few minutes about what our priorities are. We didn’t do this before we started budgeting.

2.  We have boundaries for ourselves.

Before we began budgeting our money each month, we were in a bad habit of making spending decisions based on our current checkbook balance. If there seemed to be a healthy balance, then we would go ahead and purchase whatever we wanted. If the balance looked a little light, then we might hold off. We didn’t take into account the other financial needs that might crop up thoughout the month. We didn’t have a seatbelt to protect us from unintentional overspending.

Now, don’t get me wrong. My husband and I are both pretty frugal people. We weren’t overspending on major purchases. But we found ourselves nickel-and-diming ourselves all the way through our paychecks! If we found a good deal, then we would snatch it up. Now, we know exactly how much money we’ve allotted for each budget category. We use cash envelopes, so we know how much is left in our spending categories just by looking in the envelopes. We don’t accidentally overspend on some great grocery deals and then not have money left for Grandma’s birthday gift.

3.  We know where it’s going.

The most frustrating part of not budgeting was not knowing where our money was going. It seemed like our checkbook balance would be pretty sizeable one day and then next-to-nothing in less than a week. Where was it all going? It was like our financial bucket had a leak!

Creating a budget allows us to tell our money where to go each month. If we want to spend a little more on gifts one month and a little more on clothing another month, then we work that into the budget. No matter what we want or need to spend the money on, we know where it is going. As we’ve been budgeting, we are amazed at how much more money we have left over each month. This means that we have money to accomplish some projects that need to be done. We have money to pay off debt. We’ve plugged the leak with our budget.

Jennifer is wife to Jason and mom to five-year-old Emma. She blogs at Saving & Giving about saving money, giving generously, and all things frugal. If you’d like to know more about budgeting, you might be interested in her Build a Better Budget series. She’s covered topics like using cash envelopes, variable incomes, and what to do when you blow the budget.

What About You: Do you have a budget in place?  Feel free to share your thoughts or ideas on budgeting!

*Photo Credit:  mangpages

Tuesday Tidbits & Tips: Making freebie sign-ups a tad easier!

In past Tidbits & Tips posts, I have mentioned WHY freebies are so great to sign up for, as well as tips on how to organize and keep track of freebies.

I have mentioned other tips on signing up for freebies in passing, but I wanted to do a quick post to let you in on 2 of the biggest secrets!

1. Create a separate e-mail account that is ONLY for signing up for freebies. If you don’t, your personal e-mail inbox will be FLOODED with advertisements, newsletters, and more.  Some of those newsletters are great to receive and even have awesome coupons in them…but who wants a cluttered inbox?  Definitely NOT me!  I have a personal e-mail address, an e-mail address just for this blog, and an e-mail address that I use to sign up for any kind of freebies, coupons, newsletters, etc.  My freebie e-mail address?  Yeah – I get HUNDREDS of e-mails a day.  So that is the biggest tip I can give you.  Just make sure to create a separate e-mail address for your freebie sign-ups!  I recommend gmail.  It’s quick, easy, and free to sign up with.

2. Use Roboform. I discovered this little trick a couple of months ago, and oh. my. goodness….it makes my life 100 times easier!  I was getting really fast at typing in all of my information each time I signed up for a freebie, but Roboform?  It stores your information and instantly fills in your form with the click of ONE button!  It’s such a huge timesaver!

So those are my two biggest tips when it comes to signing up for all the great daily freebies.  And don’t forget to check out how to keep track of freebies and great uses for all your freebies!

What About You: Are these 2 tips something you already do, or are you excited that you found 2 ways to make freebie sign-ups much easier?

Want to see other great Tidbits & Tips? Be sure to go HERE to read all of them from the past weeks!