A Financial Education Event
 

New Year Savings Habits

You are what you think! That’s what positive thinking gurus tell us and I believe it to a certain extent. But thinking it without doing something about it isn’t going to help you develop better money habits. In this New Year, I’m challenging you to implement some really easy money savings habits. Let me know which of these that: 1) you already do and 2) you are going to start doing or 3) you ain’t ever gonna do, no way, no how!

PRICE MATCHING—ASK YOUR STORE

If you have a store that will match competitors’ ads, then this helps save time and money. Most Walmart stores offer this benefit to their consumers. This price-matching tip is also good outside of the grocery area because there are dozens of other stores that will honor competitors’ ads, including Best Buy, Office Depot, Staples, the military exchanges, and more. Since these policies vary from year to year (and even month to month), it’s important to inquire at the customer service desk before you try to use the price-matching benefit.

To implement this tip, just take in all the local sale ads and have the store match the sale price from the circulars, or pull them up on your phone. There may be some restrictions, so be sure you ask for the details at the customer service desk. For example, Walmart will not honor a “buy one/get one free,” nor will they honor “percentage off” sales. But they will substitute their brand for other store brands that are on sale and it may even end up being a better-quality deal!

 

SEARCH HIGH AND LOW FOR BARGAINS

In today’s grocery stores, many bargains are located on the top and bottom shelves. The expensive items are at eye level. To those in marketing, the reason is obvious—you’ll buy something that’s in front of your nose! Also, avoid the floral, deli, and bakery departments. They’re usually overpriced and can bust your budget.

 

USE A SHOPPING LIST—DON’T LEAVE HOME WITHOUT IT!

When shopping, you should never leave home without an organized list. It minimizes time spent in the store and helps you stay on target, thus avoiding impulse buying. It can also serve as a reminder of sale prices and coupons you may have. When I first started saving money with coupons and sales, there were only flyers and paper coupons. Flipp is an app that combines the best of old and new by providing a digital library of all the latest flyers and help you build a shopping list within the app. Just tap on a digitized coupon or product and the app will circle it and add it to your digital grocery list.

 

SAVE ON TRAVEL

My crafty little informant over at Hopper just gave me the 2018 Travel Cheat Sheet telling you when the best time to buy is for those 2018 trips. It gives fantastic insider tips, for example:

  • When to buy airfare for major US holidays
    • President’s Day: Book by Monday, January 29
    • Easter: Book by Sunday, February 18
    • Fourth of July: Book by Wednesday, June 13
  • Top 10 domestic and international destinations to watch in January for the best deals:
    • Los Angeles: Round-trip flight prices currently average $328, but are expected to drop 43% this month.
    • Las Vegas: Round-trip flight prices currently average $178, but are expected to drop 28% this month.
    • Cartagena, Colombia: Round-trip flight prices currently average $354, but are expected to drop 35% this month.
    • Lisbon, Portugal: Round-trip flight prices currently average $622, but are expectedto drop 32% this month.

If you’re wanting to read more about saving money on travel, check out Wanderlust For Less, an upbeat look at ways to save money on travel AND still pay the light bill.

COUPON APPS AND WEBSITES

My son, Jonathan, gave me his back-

 

to-school-for-the-spring-semester wish list. He had a gorgeous item that was a pair of shoes at the Bostonian website. The first thing I did was look up the online site in RetailMeNot. Instantly, I got a coupon for 25% off the exact shoes Jonathan wanted. That’s something that made both of us happy.

Coupon Sherpa and CouponMom are also user friendly apps to help you find great values at your local store. Download these apps and use them regularly to save 30 percent or more. Both use geographic location or zip codes to target deals at stores near you. You may also want to try the Redlaser app, it can be used to scan the bar code of a product and find out if the item is cheaper elsewhere.

Don’t forget to listen to my quirky, sometimes geeky co-host, Bethany Bayless and myself on our new podcast called The Money Millhouse. We’ve give lots of tips after drinking lots of coffee and have some of the best financial guests in America on our show! 

Remember to let you know what you are already doing, what you’re gonna do and what you ain’t gonna ever do to save money in 2018!

Thanksgiving Traditions

Thankful Traditions

The Kay family photo for Woman’s Day magazine.

Not every “savings” can be measured in dollars and cents. One of the things we emphasized in our family is the saving of memories. Our Thankful Tree was featured in a Woman’s Day magazine one year. It took two photographers 8 rolls of film and four hours to get one 3 x 5 photo in the magazine. Joshua was missing for one roll of film and we didn’t notice until we saw him making faces from behindthe photographers and we asked, “What are you doing back there?”

The tip we gave is how we’ve stayed in touch with family and friends during this holiday. On November 1st, we made a Thankful Tree on poster board and put it on our wall or front door. The tree was bare because the leaves that we made out of construction paper have not yet been gathered. The leaves have the person’s name on them and say, “Papa is thankful for _________.” But we left the tree bare at the beginning of the season to teach the children how barren our lives are without the giving of thanks.

We made and sent the leaves to friends and family around the world along with a self-addressed envelope. When these envelopes came back, the children got excited as they took turns opening them. At dinner that night, we read the leaf and give thanks along with those who are thankful and put the leaf on our tree. By Thanksgiving Day, we had a tree full of thanks. We carefully saved the leaves in an envelope marked by the year and kept all in our Thanksgiving decoration box. Each year, we read the leaves from past years.

We never know when this year’s leaf might be someone’s last, or which family might have a new leaf on next year’s tree. So we give thanks.  These days, we gather “thankful comments” from facebook, email and twitter, but the point is we are connecting with friends and family in a meaningful way.

This holiday, what are YOU thankful for?  Besides our health and our family, we are thankful for two weddings this year, healthy grandchildren, and the chance to be together during the holidays.

Happy Thanksgiving!

Ellie Kay

 

8 Ways to Thank a Veteran Today and Every Day

BGadmin

 

As far a military families go, I’m brat, a grandbrat, a wifebrat and a mombrat. Yes, military service runs deep in the Kay family. My Grampa died as an aircrew member in WWII; my dad retired as a Chief Master SGT in the US Air Force; my hubby flew fighter aircraft in the Air Force for 30 years; one of my sons graduated from the Naval Academy and is an active duty Marine; another son graduated this year from the United States Air Force Academy and is at pilot training; and my youngest son is a junior at WestPoint. So when it comes to thanking our troops for their service, I really appreciate those of you who take the time to say thanks.  Here are some more easy ways to express your appreciation:

1.       Say “Thanks” – The fact that you are reading this blog, indicates that you probably already thank those in uniform when you see them. When people say “Thank you for your service” to my Marine son, he responds with, “Proud to serve.”  Be sure to also thank family members, including parents of service members, for the way they serve by supporting their military members. You can also say thanks by donating to Heroes at Home, which provides financial readiness for military readiness. In our Heroes at Home events I explain that when people say thanks to them, it’s their way of being patriotic.

2.      Say “Welcome Home” – As we all know, the Vietnam War was not a popular conflict, and those who served were greeted with jeers, taunts or just plain apathy. There are also those who returned from the Korean War who were never properly welcomed back. So when you see an older vet, ask them what war they served in and if it’s one of those two, then ask one more question, “Were you ever welcomed home?” If they say, “no” then simply say, “Well you have been now, welcome home soldier, thank you for your service.” I’ve done this many times and all were deeply thankful for the sentiments, and some were so deeply moved, they even had tears in their eyes. In our Heroes at Home Events, I encourage our young service members to welcome home these Veterans and just how much it means for someone currently serving to thank those who have served.

3.      Pick Up Dinner – Every year, restaurants give free meals and discounts for Veterans and those who are serving now and at The Military Wallet, you can get this year’s update. But why not keep it going year round? Once a year, or more, depending on your budget, pay for a military member’s meal. You may see a service member with his or her family or a group of military dudes and dudettes in a small group at a restaurant. Don’t go up to the soldier, sailor or airman to ask if you can pay for their meal. Instead, go to the manager or the waitress and ask for their bill, then pay it as you leave and tell the waitress to give them a simple message: “Thank you for your service.”

4.       Operation Gratitude – During Veterans day week, our USAFA parents club volunteered to help put together care packages for the troops. Lots of volunteers put together over 7,000 care packages in one day! Each time I went through the assembly line with my boxes, it took all my self control not to slip that package of Rocky Mountain Factory fudge into my pocket. You can also donate DVDs, Girl Scout cookies, trial-sized toiletries, candy, scarves, gloves, small stuffed animals, books and more to the effort.

5.      Mow A Yard – Or rake leaves, or plant rosebushes, or paint an outhouse, or… you get the idea, for the military family of a deployed service member in your neighborhood, church or community.  When Bob was gone and I was left home alone with a house full of kids, I really appreciated that help. The best help comes from people you know, where that military family is comfortable knowing you are not a creeper!

6.      Donate Your Old Cell – If you are like most of the Kay family members, you get a new phone about once every 18 months or so (it seems to be an inalienable right in our clan). Instead of trading in when you trade up, give it to Cell Phones for Soldiers.

7.      Calling All Coupon Queens – I started out in the financial area as a Coupon Queen and eventually evolved to “America’s Family Financial Expert” ®. Along the way, I’ve encouraged families to donate their expired coupons to military units overseas. They can use your castoffs for up to six months past the expiration date. For more information, email us at assistant@elliekay.com and put “Expired Coupons” in the subject line.


8.     
Care for Critters – If you are like my hubby, you are a critter person. He sits in his easy chair each evening and instantly—voila!—three mini schnauzers appear in his lap. They were his constant pet therapy when he broke his back a couple years ago, thereby ending his career as a fighter pilot. If you love critters, then you can offer to provide foster care by taking in a dog or cat of a wounded or deployed military member while he or she is receiving medical treatment or on duty.  For more on this, go to Guardian Angels for Soldiers.

Thank you to all our Veterans and their families, and a special thanks to my husband, LTC Bob Kay, the World’s Greatest Fighter Pilot for his 30 years of service, to my Marine, Airman and Soldier. I’m so proud of all of you!

Ellie Kay

www.elliekay.com

Polite Bargaining – 8 Ways to Negotiate on Everything

BGadmin

My longtime friend, Edith and I found heaven on earth this past weekend and we were determined to milk it for all it was worth. Milk chocolate that is! We took a day trip to Chocolate World in Hershey, PA from her new house in Mechanicsburg and we racked up the discounts all day. There was a Groupon for four special events: a chocolate tasting, the 4D chocolate experience, a trolley ride and build your own candy bar. We saved 30% on those bundled tickets.

Chocoholics forever 

When we had lunch and bought tons of candy to take to our chocoholic friends and family, we got a military discount. When we left, we were astonished to realize that our 3 hours of free parking had grown to $45 for the 6 hours we were there! When we went to pay, Edith (who has 20+ years of military service) asked for a veteran’s discount and we breezed through the exit with a 100% parking discount. We were on a sugar high and a savings high as well! 

My grandma Laudeman used to quote a Bible verse that has stuck with me throughout my whole life: “you have not because you ask not.”

Even though I was a shy person growing up, I was never shy about parting with less of my hard-earned money if there was a chance I could save some bucks.

So, how do you bargain in every day matters without embarrassing yourself or your family? Consumer Reports says that 89% of those who regularly ask for discounts get a “yes” on that discount at least once. Those are good odds.

Here are 8 tried and true ways that can help you become a polite negotiator.  

Everything Is Fair Game – Almost everything in retail goes on sale at some point, so why not try to create your own sale? A retailer may not want to give the sale to everyone, but they may give you a discount if they are still making a profit. Ask the manager if the item has recently been on sale, if it is going on sale soon or if they can sell it at a discount. One college student in Chicago routinely asks for the “good guy discount” because he’s a good guy and they’ll be a good guy if they give him a discount. If you’re military, use the Scout app to find those discounts. Don’t forget the classic money saver, RetailMeNot for additional savings.

Find Something Wrong – A makeup smudge, a missing button or a slight hole along a seam that is easily repaired are all good reasons for a big discount. Show the sales clerk or manager the damaged area and ask for a 30% discount, you can settle for less, but ask for more since it can’t be sold as brand new.

Do Your Research – Comparison shop online using apps like Amazon which has a barcode scanner that you can use when you’re in a store to immediately find the item on Amazon and check its price. Just choose the camera icon next to the search bar and hold it over a barcode. You can do the same thing with Walmart Savings Catcher, which is a part of their regular app. Show the manager the comparison price and ask if they will match it. Check out Yelp to also get check in discounts and review the vendor.

Use Your Expertise – If you are a geek at an electronics store or at a gaming outlet, talk with the sales person and capitalize on your mutual passion for the products. But don’t be a bore and inundate them with a one-way monologue. Instead, build a rapport with the sales person by asking them questions and letting them be the expert they are. You’ll come across as a qualified buyer who is worthy of a discounted price.

Don’t Be Intimidated by Professionals with Titles – Just because someone is an MD, CPA, or a lawyer doesn’t mean you can’t get a discount. One lady was told her eye surgery was going to be 10K and she didn’t have insurance coverage for the procedure. She told the doctor that it was too much and “could he work with her to get it for less?” He told her that besides the big city practice he had (where she saw him) he also had a smaller office in a neighboring smaller city. If she went to that smaller office, he would reduced his fee to $1000, use the smaller clinic that charged a lot less than the hospital surgery room and they got a discounted rate on the anesthesiologist as well. The new price on the surgery? $2800

Buy Everything in Bulk—Even Services! It’s hard for most vendors to turn down cold, hard, cash. I have learned to negotiate paying for services in advance to save even more. These would be known vendors you work with frequently and trust. At my mail and more store where I have a PO Box, I paid for a year and asked for a deal I saw elsewhere where they offered 2 months for free by paying the full year—he gave it to me in seconds. For haircuts, spa treatments, and massage treatments, I’ll prepay anywhere from 5 to 10 services at a 30% discount. Then we keep up with services as we go along, counting down to the next bulk payment. This works especially well for services you know you will get regularly.

Get Discounts on Existing Service by Mentioning the C Word – Take those sale circulars you get in the mail, are hanging on your door, or you find in the paper and call your existing provider to renegotiate your current service. Whether you are getting cable service, cell phone service, entomology or house cleaning services. Call your current provider, tell them you want to “cancel” or talk to the cancellations department. You’ll likely be transferred to a department that has more authority to offer you freebies to keep your business. If you mention the introductory pricing from one of their competitors, you might not get that exact price, but you could use it as leverage to get deeper discounts on your current service.

Be Willing to Walk Away- Whether you are in a department store or a Turkish bazaar, decide ahead of time what your “comfortable” price is for the goods or service you are negotiating. Decide this ahead of time so you won’t get caught up in the moment. My favorite words, when discussing prices, are: “I don’t feel good about that price.” Then the seller usually tries to find out what price I would feel good about. I’ve often been stopped while walking away with a lower price that will seal the deal. And if I’m not followed out with the promise of a bargain? That’s OK, too, I can feel good about walking away if I don’t get the price that floats my boat!   

****

I have a friend who is a newly single mom and her part time job is making phone calls to get discounts on existing payments she must make. We figured she is earning about $50/ per hour for her time investment. She has talked to utility providers, mortgage bankers, insurance companies and the city to get free items such as light bulbs, a/c filters, a refrigerator, a swamp cooler (also installed free), low moisture landscaping and much more. She’s a firm believer in “you have not because you ask not.”

What’s your bargaining story? Let me hear from you!

Thanksgiving Traditions

Thankful Traditions

The Kay family photo for Woman’s Day magazine.

Not every “savings” can be measured in dollars and cents. One of the things we emphasized in our family is the saving of memories. Our Thankful Tree was featured in a Woman’s Day magazine one year. It took two photographers 8 rolls of film and four hours to get one 3 x 5 photo in the magazine. Joshua was missing for one roll of film and we didn’t notice until we saw him making faces from behindthe photographers and we asked, “What are you doing back there?”

The tip we gave is how we’ve stayed in touch with family and friends during this holiday. On November 1st, we made a Thankful Tree on poster board and put it on our wall or front door. The tree was bare because the leaves that we made out of construction paper have not yet been gathered. The leaves have the person’s name on them and say, “Uncle Steve is thankful for _________.” But we left the tree bare at the beginning of the season to teach the children how barren our lives are without the giving of thanks.

We made and sent the leaves to friends and family around the world along with a self-addressed envelope. When these envelopes came back, the children got excited as they took turns opening them. At dinner that night, we read the leaf and give thanks along with those who are thankful and put the leaf on our tree. By Thanksgiving Day, we had a tree full of thanks. We carefully saved the leaves in an envelope marked by the year and kept all in our Thanksgiving decoration box. Each year, we read the leaves from past years.

We never know when this year’s leaf might be someone’s last, or which family might have a new leaf on next year’s tree. So we give thanks.  These days, we gather “thankful comments” from facebook, email and twitter, but the point is we are connecting with friends and family in a meaningful way.

This holiday, what are YOU thankful for?  Besides our health and our family, we are thankful for a new baby in the family, a newly commissioned LT, a son on the USMA Color guard, a Marine who safely came back from Iraq and for a daughter who just got engaged.

Happy Thanksgiving!

Ellie Kay

 

8 Ways to Thank a Veteran Today and Every Day

 

As far a military families go, I’m brat, a grandbrat, a wifebrat and a mombrat. Yes, military service runs deep in the Kay family. My Grampa died as an aircrew member in WWII; my dad retired as a Chief Master SGT in the US Air Force; my hubby flew fighter aircraft in the Air Force for 30 years; one of my sons graduated from the Naval Academy and is an active duty Marine; another son graduated this year from the United States Air Force Academy and is at pilot training; and my youngest son is a junior at WestPoint. So when it comes to thanking our troops for their service, I really appreciate those of you who take the time to say thanks.  Here are some more easy ways to express your appreciation:

1.       Say “Thanks” – The fact that you are reading this blog, indicates that you probably already thank those in uniform when you see them. When people say “Thank you for your service” to my Marine baby boy, he responds with, “Proud to serve.”  Be sure to also thank family members, including parents of service members, for the way they serve by supporting their military members. If you like the football, then get in on the NFL’s way of saying “thanks,” both online and in football stadiums across America in the next few weeks. Participate in the million fan salute. When you vote a “salute” for your team, then your local military earns rewards from this USAA sponsored initiative.

2.      Say “Welcome Home” – As we all know, the Vietnam War was not a popular conflict, and those who served were greeted with jeers, taunts or just plain apathy. There are also those who returned from the Korean War who were never properly welcomed back. So when you see an older vet, ask them what war they served in and if it’s one of those two, then ask one more question, “Were you ever welcomed home?” If they say, “no” then simply say, “Well you have been now, welcome home soldier, thank you for your service.” I’ve done this many times and all were deeply thankful for the sentiments, and some were so deeply moved, they even had tears in their eyes. Making a grown man cry never felt so good.

3.      Pick Up Dinner – Every year, restaurants give free meals and discounts for Veterans and those who are serving now and at The Military Wallet, you can get this year’s update. But why not keep it going year round? Once a year, or more, depending on your budget, pay for a military member’s meal. You may see a service member with his or her family or a group of military dudes and dudettes in a small group at a restaurant. Don’t go up to the soldier, sailor or airman to ask if you can pay for their meal. Instead, go to the manager or the waitress and ask for their bill, then pay it as you leave and tell the waitress to give them a simple message: “Thank you for your service.”

4.       Operation Gratitude – During Veterans day week, our USAFA parents club volunteered to help put together care packages for the troops. Lots of volunteers put together over 7,000 care packages in one day! Each time I went through the assembly line with my boxes, it took all my self control not to slip that package of Rocky Mountain Factory fudge into my pocket. You can also donate DVDs, Girl Scout cookies, trial-sized toiletries, candy, scarves, gloves, small stuffed animals, books and more to the effort.

5.      Mow A Yard – Or rake leaves, or plant rosebushes, or paint an outhouse, or… you get the idea, for the military family of a deployed service member in your neighborhood, church or community.  When Bob was gone and I was left home alone with a house full of kids, I really appreciated that help. The best help comes from people you know, where that military family is comfortable knowing you are not a creeper!

6.      Donate Your Old Cell – If you are like most of the Kay family members, you get a new phone about once every 18 months or so (it seems to be an inalienable right in our clan). Instead of trading in when you trade up, give it to Cell Phones for Soldiers. Go to http://www.cellphonesforsoldiers.com/.

7.      Calling All Coupon Queens – I started out in the financial area as a Coupon Queen and eventually evolved to “America’s Family Financial Expert” ®. Along the way, I’ve encouraged families to donate their expired coupons to military units overseas. They can use your castoffs for up to six months past the expiration date. For more information, email us at assistant@elliekay.com and put “Expired Coupons” in the subject line.

8.      Care for Critters – If you are like my hubby, you are a critter person. He sits in his easy chair each evening and instantly—voila!—three mini schnauzers appear in his lap. They were his constant pet therapy when he broke his back a couple years ago, thereby ending his career as a fighter pilot. If you love critters, then you can offer to provide foster care by taking in a dog or cat of a wounded or deployed military member while he or she is receiving medical treatment or on duty.  For more on this, go to http://www.guardianangelsforsoldierspet.org/.

Thank you to all our Veterans and their families, and a special thanks to my husband, LTC Bob Kay, the World’s Greatest Fighter Pilot for his 30 years of service, to my Marine, Airman and Soldier. I’m so proud of all of you!

Ellie Kay

www.elliekay.com

De-Stress for Less (part 2)

In order to fully embrace the value of free time, we need to remind ourselves of the importance of recreation and relaxation in our overall quality of life and productivity. Our families, marriages, and friendships all need time to regenerate and celebrate so we can be refreshed and ready to face the next round of daily demands of modern living. Unfortunately, if we are not mindful, those rewarding activities can become costly and negatively impact our budgets—which puts us right back into stress mode!

If entertainment and eating out is scheduled into your spending plan, then there’s no stress of going off budget. But what if you could go out twice as often and still stay on budget? Here are some ways to have twice the fun at the same price:

Keeping to the “B” Word

Families usually have favorite restaurants, movies, and even special songs that reflect the character and tastes of the family. Your budget will be just as unique as your family. It will be based on variable factors, such as your family’s size, geographical location, debt load, and income.

When Bob and I first set up a budget, we realized that both of us wanted to have healthy finances, even though we approached money differently. As you go through the sometimes-painful process of establishing and sticking to a family budget, it is important to make a real commitment to these important issues. We also realized that we didn’t need to go overboard by pinching our pennies so tightly that it strained our relationship and took all the enjoyment out of life. So we allowed for an occasional indulgence, implemented budget-cutting techniques slowly, and modified our plan as needed. As time went on, we fine-tuned some aspects of our budget and then did an annual check-up to make adjustments that allowed the budget to become a part of our lifestyle.

Saving in the Store with Links to Super Savings

By learning how to save money in stores for groceries, toiletries, and cleaners, you can also begin your journey to million-dollar life. The only true failure would be never to start. Here are some tips to save money in the store, whether you’re destined to be a Savings Queen or not. If you apply a few of these tips, you could save up to 50 percent and if you apply most of them, you could cut your food bill by as much as 80 percent. Here are some of the best tips to transform you from a coupon commoner to a Coupon Queen.

  1. The List: Research indicates if you shop with a list and stick to it you are likely to spend as much as 30 percent less than listless (pun intended) shoppers. The exception could be when you can get items for pennies (or free) that are not on your list—get these anyway!
  2. Impulse “Buy-Buy” Guys: Using a list has a second benefit: researchers show that the typical consumer spends almost $100 per hour while shopping a discount department store, grocery store, or discount club. In other words, the more time you have to window-shop, the more money you’ll spend. Just think, spending thirty minutes more in a store can cost you $50! So get in and get out of there as quickly as possible and say bye-bye to impulse buys.
  3. Store Directory: Make your list according to aisle order and you’ll save even more time and money. By shopping according to aisle order, you won’t become a grocery nomad—wandering back and forth while you look for that last item on your list. Go to the customer service desk at the store you frequent and ask them for a map of the store. These are usually called an aisle order chart, store directory, or store map.
  4. Price Comping: Many stores including Wal-Mart Superstores, will match competitors’ sale prices. Check and see which stores do this in your area, not the store and sale price on your list, bring those sales circulars with you, and then ask the checker for the lowest price. This tip takes only minutes and saved our family over #3,500 last year because it can also apply to anything in the store (electronics, household goods, etc.). It also saves time and gas.
  5. Tune Out and Cash In: Watch fewer television commercials. A recent consumer report indicated that couch potatoes are far more likely to overspend at the store for each one minute commercial the watch die to the marketing effects of this medium—to the tune of an average of $260 per hour! Keep in mind that this dollar figure includes everything from Skittles and Diet Coke to a new car or luxury item.
  6. Savings 101: Buy products when they are on sale. This may sound elementary and it is, but you’d be surprised at how many people do not take advantage of sales. They’re “too busy” to shop the sales, or when something goes on sale, the think, Well, I still have some of that at home, I don’t need it now. Get the sale ads in your weekly paper and make your list according to what is on sale. Be sure and put your list in aisle order and save the sale ads for your price comping trips.
  7. Sale Awareness: Don’t give in to “impulse buying” for sales. If the discount is only 10 percent, then think twice about giving in to the urge to buy the product simply because it’s on sale. The exception would be if the item is needed immediately—in that case, you can be grateful for the fact you’ve saved 10 percent rather than nothing!
  8. Loss Leaders: Shop the loss leaders. These are items in the sale circular that the store is selling for less than their cost in order to get the consumer into the store. If you come in to buy the $.99 chicken breasts, then chances are good you’ll go ahead and pick up another thirty items you “need” while you’re in the store.
  9. Go Online for More Savings: Online has so many opportunities to save from food to prescription drugs to clothes. Check out the chart below from http://www.wow-coupons.com/ for great guide to saving money on and offline:
Wow Coupons Grocery

 

 

FREE Grocery printable coupons site! Many many grocery printable coupons from top brands.
Hopster Hopster maximizes savings on your favorite household brands by allowing you to customize your coupons. Getting started with Hopster is easy. Print a few FREE coupons. Start a quest and complete fun activities to unlock exclusive higher-value coupons.
Coupon Bar Download our FREE CouponBar and get quick and easy access to dozens of coupons on your favorite brand name products!
FreeFlys Get FREE samples from top name brands! Cheap is good, but FREE is better!
SavingStar  FREE eCoupons – new way to shop! Select the eCoupons you like and they’ll link them to your store loyalty cards! Use your loyalty card at checkout. Your money is automatically added to your SavingStar account!
RedPlum FREE Grocery printable coupons site! Many many grocery printable coupons from top brands. More savings!
SmartSource FREE Grocery printable coupons site! More savings!
Entertainment Members love Entertainment® because it is the most convenient way to access exclusive discounts and coupons in their area. Enjoy your life more with savings on the things you love to do.
Couponizer Portable system for organizing, storing, and accessing coupons! Get FREE compact mirror w/order!
SavingsAngel Save on groceries now with help from SavingsAngel. Get “Extreme Couponing” deals without the extreme lifestyle. Each week, an army of nearly 100 angels compiles store sales, manufacturer coupons, offers, rebates and promotions. $2.50 a week membership.
Coupon Clippers Buy grocery coupons! Get exactly what you need!
Select Coupon Program Join Susan Samtur’s Select Coupon Program today to receive $25 in FREE coupons. Afterwards you can buy and sell grocery coupons!
eBay  eBay is the world’s largest online marketplace, where practically anyone can buy and sell practically anything. Buy Grocery coupons at eBay!
MySavings FREE Samples Find various FREE Samples and product samples to give consumers the opportunity to try their latest and greatest product lines.
Quality Health FREE Samples Receive FREE coupons, discounts, and special offers from leading brand name pharmaceutical and packaged goods companies. FREE Samples!
FREE CookBook 100 Diabetes-friendly FREE Recipes.
FREE Prescription-Savings DPRxCard Card FREE Prescription-savings Drug Card – for everyone– 10% to 60% savings on most medications. Over 48,000 national and regional pharmacy chain stores. Valid at pharmacies: Target, Walgreens, CVS, RiteAid, Costco, Pathmark, and many others.
Pharmacy Discount Network – FREE Prescription-Savings Sign up and receive a FREE discount drug card to save up to 75% on prescription drugs. It’s good at over 65,000 drug stores: Albertsons, CVS, Costco, Eckerd, Kmart, Duane Reade, Target, Walmart, Safeway, Walgreens, Publix, RiteAid.
YourRxCoupons.com

Sign up and receive up to 75% FREE with the pharmacy savings coupons from YourRxCoupons.
You & Your Family

Multiple printable coupons from few brands. Palmer’s Cocoa Butter & more
Colgate-Palmolive

Multiple printable coupons from Colgate-Palmolive brand.
Internet Drug Coupons.com   FREE database of 216 downloadable coupons for prescription drugs,

non-prescription drugs, and medicines for pets.

Home Solutions

Printable coupons from few brands: JET-DRY, ELECTRASOL, LYSOL, etc .
Procter & Gamble

Enjoy the latest samples and coupons from P&GbrandSAMPLER, a member benefit of P&G Everyday Solutions..
Right @ Home

SC Johnson offers great home-care products you use every day, like Windex®, Glade®, Scrubbing Bubbles®, Ziploc®, Pledge®, Raid®, etc.
Living Naturally

Organic grocery food printable coupons.
Organic Valley

Organic Valley Soy, Milk and other printable coupons.
Mambo Sprouts

Organic and Healthy grocery food printable coupons.

Ellie Kay

America’s Family Financial Expert ®

Quick Guide to Grocery Coupons

A Quick Guide To Coupons 

     I remember the very first time my eyes locked onto it. In my seven-year-old mind I didn’t realize it at the time, but this was love at first sight. Who would have thought that a little piece of paper would one day open the door to a literal, million-dollar life? There was something magical about the script, the numbers, and the pretty picture. It was as if I found out that the king and queen of Genovia were at the same hospital as my parents when I was born and that I was switched at birth. It was as if the royals took home the wrong baby and I was a princess who went to live with mere commoners.

What was this precious paper you ask? The paper I fell in love with was—a coupon.

Coupons made me feel like a queen and ushered in a lifestyle change. It was where I not only was able to save money for my family and help us get out of debt, but it was the bridge from a business background to a new career as “America’s Family Financial Expert” ®. Here is a quick guide on coupons that can start your life as a financial royal.

  1. Store Coupons: A true store coupon is one that is issued by the store and not the manufacturer. Consumers can tell if it’s a true store coupon by the redemption address in the coupons fine print. If it has the manufacturer’s name, then it is a genuine store coupon. This will be a critical point in the ability to layer savings factors while using a store coupon.
  2. Price Store coupons: These are usually store coupons, but sometimes they are manufacturers’ coupons. These coupons will give the shopper a product for a specific price and sometimes free. For example, I used a store price coupon last week for Colgate toothpaste, which gave me a price of $.99 (a savings of $2.00 off the regular price).
  3. Combine Coupons: A consumer cannot ever combine two manufacturers’ coupons on one item—such as a regular manufacturers’ coupon and an electronic coupon. But you can combine a manufacturer’s coupon and a genuine store coupon for big savings. For example, CVS Drugs Stores offered a price store coupon for Secret deodorant for $1.19 and I had a manufacturer’s coupon for $1 off, so I got my fave deodorant for only $.19. That’s a “secret” that I can’t keep to myself!
  4. Instant coupons: Look for product instant coupons. Sometimes products will have a “Use This Coupon Now” coupon attached that you can tear off and use immediately. Keep in mind that these are always a form of a manufacturer’s coupon. These are also available on your stores’ app that you should download ahead of time.
  5. Product Packaging: Look inside the product for more manufacturers’ coupons, special offers, or rebates. Sometimes there will be a coupon in side the box for cents off the next purchase or for a rebate or another special offer. I got Kellogg’s cereal bowls for a couple of box tops and $2 postages and handling—these were quality bowls that the kids used for several years.
  6. Take it on the Road: When leaving for a vacation or taking an extended trip to another city to see family, take the coupons with you. This system works anywhere, but the savings factors will range from average to super depending on the offers available at local stores.
  7. Electronic Coupons: Check out the different websites or apps that offer free coupons. You should not pay for ANY coupon online—it completely defeats the purpose, and, in many cases, it is a scam. Check out these reliable sites I found on http://sunshineandsippycups.com/. Note that many of the websites may have the same or similar coupons. But if you usually buy multiples of an item, such as 3 or 4 packages of cheese or lunchmeats when they’re on sale, then being able to print out the same coupon on a few sites can be pretty handy.
  • CELLFIRE: Save grocery coupons directly to your supermarket savings card with Cellfire.
  • COUPONS.COM: Free Coupons! Save on your favorite brands. Print free coupons before you shop.
  • A FULL CUP: Great resource for printable coupons, as well as sale match-ups and tips!
  • INBOX DOLLARS: There are a lot of ways to get freebies and earn cash here – But a super awesome tool is that you can find your favorite coupons here, and get PAID when you print them!
  • GROCERY COUPON NETWORK: 100% FREE registration to receive free printable coupons, exclusive email savings, recipes and helpful grocery savings tips.
  • LIVE BETTER AMERICA: This is a great way to get high-value coupons. They’ll send you a weekly newsletter with the best from brands like Pillsbury and other kid-friendly faves, and they’ll match them to recipes too.
  • SWAGBUCKS: This is another site that offers lots of ways to get freebies, and also pays you for printing coupons on their site – very cool!
  • PENNY PINCHER GAZETTE: Visit Penny Pincher Gazette for Free Printable Grocery Coupons!
  • RED PLUM: Print Free Grocery Coupons from RedPlum!
  • VOCALPOINT: Vocalpoint was made for smart, deal-savvy women like you. Coupons, Samples, Tips, and more cool stuff.
  • FREE COUPON ALERTS: Lets you know when the newest coupons are available.

Ellie Kay

America’s Family Financial Expert (R) 

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