Thursday, October 15, 2009

a penny a day, week of 10/18/09

Alright let the fun begin!

If you are new to this series, please see my "what can a penny a day get me" post for information on this series.

$3.65 at Walmart:

2 Super Poligrip 0.75 oz (use this coupon... FREE up to 3.99 expires 10/18!) price = FREE
2 Ricola cough drops 19 ct (FREE, 10/11 SS) price = FREE
2 Friskies Natual cat treats (FREE, 10/04 SS) price = FREE
2 Air Wick Ultra I-Motion (6.00 off, 9/13 SS) price = FREE
2 Reeses Candy single packs (0.55 off, 8/23 SS) price = 0.10 each
2 Reach Floss 55 yd (1.00 off, 10/04 RP) price = 0.12 each
2 Huggies Pull Ups flushable wipes (3.00 off/2, 7/9 SS) price = 0.14 each
2 Nestle Carnation Evaporated milk 5oz (0.50 off/2, 9/27 SS) price = 0.38 each
4 Campbells Chicken Noodle or Tomato soup 10.75oz (0.40 off/4, 10/4 SS) = 0.48 each

total before coupons = just over $36.00
total = $3.40 before tax
total savings = 32.60, or about 91% savings

$3.65 at Target:

**my target will allow more than ONE target printable per transaction, but if yours does NOT, you may have to split this into TWO transactions, for the cat food, chex mix, and peanut butter**

4 Glade Scented Oil Glass Holders (1.50/1, in oil tins) price = FREE
4 Glade Scented Oil Refill Packs (FREE when you buy holder, up to 3.99, tearpad) price = FREE
4 Chef Michaels dog food (3.00 off, 10/11 SS AND 1.00 off Target Q 8/31? SS) price = 0.26 each
2 Mortons All Purpose seasoning (1.00 off, IP) price = FREE
2 St Ives travel size lotions (1.00 off, 9/22 SS) price = FREE
2 Fancy Feast Cat appetizers (BOGO, 9/13 RP AND BOGO Target Q) price = FREE
2 Chex mix 3.75 oz in checkout lanes (1.00 Target Q) price = FREE
2 Skippy Peanut Butter (0.75 off, 10/4 RP AND 1.00 off Target Q) = FREE
1 Tide Stain Booser 16oz liquid (1.50 off, Target hangtags) = 2.29 each

total before coupons = over $54.00
total = $3.33 before tax
total savings = 50.67, or about 94% savings
**remember to send your Glade purchases in for a $5.00 mail in rebate**
new total = -1.67!!

$3.65 at Walgreens:

**warning, you may have to do a few transactions to get your money to stretch, but i will list only a few... repeat as needed**

transaction #1:
2 Glade Scented Oil Candle tins (1.50 off, inside package) price = 1.00 each
2 Glade Scented Oil refills (FREE when you buy holder (tin), blinkie) price = FREE
1 Robitussin DM to go (1.00 off, Wags catalina) price = 1.49

total oop $3.49... get 1.00 RR (glade), 2.50 RR (robitussin)
**remember to send your Glade purchases in for a $5.00 mail in rebate**


transaction #2:
1 Halls Refresh Drops (0.75 off, 8/27 SS) price = 0.25
1 ChapStick Fresh Effects price = 2.99
1 travel pack tissues price = 0.27

use 1.00RR, 2.50RR
total oop $0.01... get 1.00 RR (halls), 3.00 RR (chapstick)

transaction #3:
1 Zantac 24 or 30 ct (5.00 off, IP from Zantac site) price = 3.99
2 highlighters (usually in clearance, find something cheap) price = 0.05 each

use 1.00 RR, 3.00 RR
total oop $0.10... get 9.oo RR (Zantac)

transaction #4:
1 Emergen-C Immune or Alert 2 shot pack = 3.49
1 Vasaline Sheer Infusion Lotion (1.50 off, IP) = 6.99
1 highlighter (cheap filler) price = 0.05 each

use 9.00 RR
total oop $0.03... get 3.50 RR (Emergen-C), 7.00 RR (Vasaline)

All transactions:
total before coupons = over $35.00
total = $3.63 before tax
total savings = $31.37, or about 90% savings
**remember to send your Glade purchases in for a $5.00 mail in rebate**
new total = -1.37!! AND you have 10.50 in RR to spend another time!

What can you get for a penny a day?

In all honesty, a penny won't buy you much of anything. But I am starting a new blog series, called "a penny a day". This series will hopefully provide you with a list of items, matching coupons and sales, that will allow you to get your money's worth.

Here is the "guidelines" for this series.

I am going to assume that you have $3.65 to spend, a penny a day for the past year. And yes, I will assume this each and every week, for each and every different store. I understand that over the course of a few weeks this will really add up, however in a month that would be just about $14.60 in total spending, which for what you get is really not bad at all!

Some weeks will be less active than others, depending on the coupons and sales that are available. And remember, prices, sales, and coupons will and do vary by region and state, so I can not promise that the deals I find will be available everywhere. This also goes for the actual items purchased. I can not guarantee that the deals will work out 100% of the time, as stores sell out of different items and I just can't plan for that! I hope to give a few different options for you, if items are not available. I will do my best!

I will start with national stores, like Target, Walmart and Walgreens. I have to choose somewhere to start, but over time would like to add more stores and more deals!

I am going to assume that you have around 8 copies of each coupon, but only those coupons that I find in my local FREE paper, peelies, and blinkies. I will include internet printable coupons as well, keeping in mind that IP coupons are normally limited to 2 per computer. For more information on where to get coupons, please see my other posts.

I will NOT include sales tax in the original $3.65. For various reasons, including that sales tax differs from state to state, and county to county. So be advised that this will be in addition to any amounts posted.

Last... Please offer any ideas or deals that you find as well! The more you can buy for $3.65 the better!

We will see how this goes, I'm thinking that it could really work out from week to week and store to store! I can't guarantee that it will get anything or everything that you need, but for FREE or nearly free these items can't be missed! Even if they are purchased, and stockpiled. Keep them for a rainy day, give as gifts, or donate to local food pantries, shelters, or churches.

I hope to find some great deals, and have fun doing it with you!

Wednesday, October 14, 2009

All about savings articles

I write articles for an online community. Many of these are about savings and coupons. When getting started with couponing it is best to read a few articles and a few opinions to get a better sense of what you are doing. Please visit here to read some of the following titles:

How to keep up with the bills on a low income
How to cope with being flat broke
How to plan your grocery list to avoid impulse purchases
Finding baby products bargains, freebies, and samples
Little ways to earn extra income
How to budget for a new baby
Signs of excessive frugality
Are the savings from coupons worth the hassle?
Money-saving tips: How to use coupons
How to make rebating a worthwhile venture
Simple ways to save money
Are savings from coupons worth the trouble of collecting them?
Standards for frugal lifestyles
Tips for living a frugal lifestyle
How to save money on clothes for your family
Where can you get coupons other than the Sunday paper?
Become a coupon savvy shopper
Four off-brand products that can save you money
Money saving tips: Common myths about coupons

There are a lot more than just what I listed, please feel free to browse and read them all! I love sharing information that I have with others, so this is just another outlet for me. If you have questions or comments on any article, please post them here for me!


How much are you REALLY saving?

SAVING is the whole intent of a coupon shopper. So figuring out what is a good deal, and how much you are actually saving is something that you need to figure out early on.

There are a few ways to look at spending and savings. It sure does feel great to see "you saved $42.61" at the bottom of your cash register tape. But, if you spend $236.66 to save that, you may want to reevaluate your shopping list. There are THREE classical ways to look at savings, and to figure out how much you are REALLY saving.

FIRST, the percentage. If you saved $50.00 using coupons and sale prices, on a bill that was originally $100.00... your percentage savings is 50%. This is an easy example. I checked out at Walmart the other day, my total before coupons and sales was $167.28, I paid just $3.84. This was ALL tax. I saved 100% on merchandise. This was a GREAT trip.

SECOND, the per item savings. A lot of people will split their savings down, by unit. Walmart is one store that helps by giving you the price per unit right on the shelf tag. But how does this work? I got a package of Huggies at WalMart for $8.97, there were 27 diapers in the package. My original ppu (price per unit) was just over $0.33. I had a coupon for $3.00 off, brining my total to $5.97 for 27 diapers, my ppu was now just over $0.22. Knowing that anything under $0.25 per diaper is a GREAT price, I decided to stock up and get more diapers. This is easily done with most food, beauty, and home good items. Laundry soap, shampoo, single serve oat meal... they can all be figured down to ppu. This really starts to give you an exact idea of what a day in your life costs. If I know that I pay $0.22 per diaper, and change 10 diapers per day (I have 2 little ones) I can easily see that in JUST DIAPERS I am spending $2.20 per day! That is going to be a HUGE savings... in a week that is $15.40, and in a month $68.20!

THIRD, simple dollars saved. A lot of beginners simply like to see that when they leave the store, they still have money left in their pockets. I always recommend that "newbies" go shopping with only a certain amount of CASH with them. If you are over budget, this will force you to put items back. This helps to keep you on track with buying only what is on your list. When you start with $50.00 in your pocket, and leave with $5.00 left, you will be happy. Week after week, that $5.00 can grow into more and more savings, while getting more and more for your money.

Figuring out what you saved is simple, but you have to always use the same measurement to see if you are finding the best deals or not. My personal favorite is using a price book, and while in the store using ppu (which is why many people carry calculators with them while shopping). When I get home and look over my savings, I prefer to use a percentage outlook. So... before/while shopping it's ppu, after I use percentage. For me, this works. I like knowing that each item I buy is a great deal, and then I love getting home and seeing my percentage savings!

STEP THREE, getting those coupons

I hear the question all the time... "Where do you get all your coupons?". Well, that is a good question. There are many places to get coupons, depending on how much time and money you are willing to spend collecting them.

The first and easiest place to get coupons is your local (or a larger city near you) Sunday newspaper. The Sunday paper has at least one coupon insert per week, if not more. The ONLY exception to this is weeks with holidays in them, for example there are no coupons the week of Thanksgiving. The Sunday paper ranges is price, here it is $2.00 at the gas station, but yet can be found on Sunday for $1.00 at the Dollar Tree Store. Some areas sell discounted Sunday papers all week. Check your local paper and stores for their prices on the paper.

The second place is "other" newspapers. My local "Express News" newspaper has coupons in it, just one Smart Source insert, but this paper is FREE. You get a copy delivered to your home, but it can be found in most all gas stations and grocery stores, as well as in paper boxes around town. This is a wonderful place to start, or supplement your coupon stash. Check your community paper, they may be free or low cost, and be filled with money saving coupons.

Online is another nearly free resource. You can search for coupon printing sites, like coupons.com, smartsource.com, and redplum.com. At these sites, you can print two of each coupon listed, and the coupons change weekly, on Sunday's, with the newspaper. These coupons are often similar to those in the Sunday circulars, however can differ by region. Most sites will ask for a zip code, and sometimes it is worth it to try one on the East Coast, Midwest, South, and West Coast. Each "area" has similar coupons, however you may find a few that differ either in product or discount from area to area. Online is often the easiest because you don't have to leave home, or pay for the entire news paper when all you want is the coupons. But printing at home has it's own cost. While some sites will print up to 3 coupons per page, others will print just one with a huge ink wasting advertisement. If paying for paper and ink work for you better than paying for the paper, this is well worth it. Remember to check your favorite stores as well. Many stores from drugstores to mega box stores will offer their own "store coupons" right online for you to print. Remember, a store coupon can be used with a manufacturer coupon.

From companies themselves. There are two ways to get coupons directly from the companies. One is to view their website and print any coupons directly from there. Most major name brand items have a coupon or two, if not more, right on their site. Or check with their "parent" company for coupons. Can't find one to print? Click the contact us and sign up for their emails, some companies will only email out coupons. Again, normally limited to two, but still worth it when they are sent directly to your inbox. Another way is to contact the company via email, phone, or mail. You can simply ask for coupons, compliment their product, describe an issue with their product, or express your interest in trying a new product. Most companies will send coupons out for those that contact them, if you have good or bad feedback. One rule of thumb, don't complain about something just to get free coupons, it's much nicer to contact them saying that you are a loyal purchaser of their product.

Home mailers are another way. Many companies offer home mailers when you either send in a post card or sign up online. These are coupons from companies that are sent directly to your home. These can come from stores as well. I currently have home mailers from Huggies, Pampers, P&G, Glade, Target, and Bath and Body Works. I did nothing but sign up online, and the coupons come periodically. I find with home mailers that soon before or just after the last set of home mailer coupons expire, another one will appear in your mail box. This is a great way to get high value coupons as well. Often home mailer coupons hold a higher discount value, as your interest and signing up shows that you are a "loyal" customer.

Many magazines offer coupons as well. WalMart's "All You", Better Homes and Gardens, and Parents to mention a few. The coupons can be found within the magazine pages. They are either in a tear out section, or simply at the bottom of ads for the products. These often have longer expiration dates than other coupons that you would find. It never hurts to check out the magazines while sitting at the doctor office or even at the dentist. You never know what you will find!

In the isles or on the product. These are called "blinkies" and "peelies". The "blinkies" are coupons found in the isles at your local stores. The machine that houses the coupons will spit out one at a time, and normally has a blinking light on it. The "peelies" are coupons that are stuck to the product, or in the product packaging. Many times cleaners and household supplies will have coupons that you simply peel off. Check inside products too. Under candle lids, inside plastic packages, and even inside boxes of food.

These are ideas for low cost or free coupons, but you are at the mercy of what is being sent out and when. If you need a certain coupon for a sale, you still have options.

You can order coupons from a coupon clipping service. Many people provide coupon clipping services on sites such as ebay. The coupons are normally grouped by product and priced well. Or, you can order a "potluck" which is a mix of coupons. "Potlucks" are great for boosting your coupon collection.

Trades, trains, and giveaways. You can join sites that offer coupon trains, trades, and giveaways. Coupon trades are very nice, as everyone wins. You can do this among friends and family as well. I have toddlers, my sister has a school aged child, and my parents have no younger kids. What coupons I use are different than those that my sister or mom would clip. So, we each get a copy of the paper and trade coupons. This is an easy and inexpensive way to get more of the coupons you want. There are many sites that offer trading online as well. Coupon trains are a no guarantee thing, but often fun. A traditional train is where one person puts 40 coupons in an envelope and sends it to the next person. That person takes what they need, puts in coupons they don't need and sends it along. Often coupon trains have 5 people on them, and it's best to get on a train that spans different states and regions. Trains are fun, you get to give away some of the coupons you don't need, but there is nothing saying that you will actually get coupons you do need either.

These are the main options for getting coupons. I know that I have been able to ask my doctor, or my children's doctor and not only am I usually given FREE samples, but also coupons or rebates for that product as well. Free samples that are given out online from stores and companies often include a coupon as well. But these can be hit and miss as well, and are really for more specific items.

Where do you find your coupons? If you have any ideas that I missed, please feel free to share them.

The hunt is sometimes as fun as using the coupons to get free or nearly free items. Check the websites often, coupons change weekly. And check the product website as well. They often change the coupons once a month (up to once in 3 months). When they change the coupon offer, you may be able to print additional copies of coupons. Find a coupon you like? Email your friends and family the link, and ask them to print it as well. Most sites will limit you to two per computer, but if you have more than one computer in your house, you can use the others to print additional copies as well.

Happy Hunting!

Sunday, September 27, 2009

Step TWO, getting familiar with WHAT you buy.

Once you know your coupons, your store's policy, and where you would like to use them, now it's time to move on to what you get with them.

MAKE A LIST:
Start by making a list of NEEDS. The things that you need to get, even if it means no sale price or coupon. These would normally be your perishable items like fruits, veggies, bread, milk and eggs. Note on the list how much you would normally need for one week. (for example: milk - 2 gallons, eggs - 18)
Next make a list of WANTS. The things that your family likes, but they could manage without these items if need be. This would be things like snacks, chips, candy, and the like. Again, note how much you would normally like for a weeks time.

MAKE A PRCIE BOOK:
Know what you buy, and how much you need. It may seem silly, but go to your grocery store and make a list of what you normally buy (like milk, eggs, bread, etc) and their regular price at that store (for example bread = $1.00 per loaf at grocery store). If you shop at more than one store, take the same list and mark which store has the lowest original price. (for example, your grocery store may sell bread for 1.00 per loaf, but you can get the same loaf for 0.95 at WalMart). This is called a "price book".
Once you have the original prices marked, you would then want to start watching sale prices. You may see that although WalMart has the bread cheaper at the original price, your grocery store has a sale for 0.50 per loaf. Mark the lowest sale price that you find, and at what store on your price book. This may take some time to manage to find lower and lower prices on each item, but it is worth it. Why you may ask?

STOCKPILE:
If you have the room, stockpiling is a wonderful way to get things that you need for cheap, and get as many as you can so that you make the most of the sale and your coupons.
You are again grocery shopping, and you know from your price book that the lowest price you normally see on bread is 0.50 per loaf. Well, your grocery store is having a blowout sale, and the bread is now only 0.19 per loaf! You know that this is a WONDERFUL savings. You can now see that you should buy as many as you would use, and have room for, while this price lasts!
This can be hard with some perishable grocery items, but works very well with those shelf stable or items that you can freeze to use later. Good items to stockpile are your condiments, paper goods, personal needs, medications, and canned items. You can always freeze meat, bread, milk, fruit and veggies as well.

FINISH IT UP:
Now that you know what you need, and how much a good sale price is, go out and stockpile what you can. If you see an ad for a store that you wouldn't normally shop at, but it has a GREAT price, it may be worth it for you to take the time to visit that store. This is the beauty of knowing what you normally buy.
If you do stockpile items, make sure that you rotate your stock, and store them properly. Nothing is worse than items you stockpiled, that are ruined from their storage method. Keep them in a dry and safe place.

Coming next... using your coupons to the max!


Saturday, September 26, 2009

Starting out with coupons... What you need to know.

Information for those just starting out with coupons. A great resource of what to know, what to do, and where to start.

First things first. KNOW your store, and it's coupon policy. If your store has a coupon policy in writing (most do) print that and keep it with your coupons (in your binder, folder, or box). But make sure that you read and understand the policy. KNOW the store limits, double offer days, and any restrictions on printed coupons, or the number of coupons you are allowed to use. Knowing what your store expects from you, and what you can expect from them, can make using coupons much easier. Keeping the coupon policy with you is an easy way to always have reference when dealing with any issues that may arise. Instead of saying "I read somewhere", you can pull out the policy you have printed, and show them what you are reading from.

Second, KNOW your coupons. Read and understand your coupons. Know if you must purchase one or two (or more) items to use the coupon. Understand if the coupon is marked "no doubling". Understand the coupon "lingo" used in sales ads, and on coupons. One per purchase is different than one per transaction. Once you know your coupons, make sure you use them correctly. A store will respect those that have read and understand the policy, and then use their coupons correctly. Using coupons in any other way than intended is fraud.

Third, KNOW what is a deal, and what's not. Buying your favorite shampoo on sale, with a coupon... that's a deal. Buying dog food for a dog that you don't have, on sale with a coupon, is not such a great deal. Buy only what you will use, donate, or want to try out. There is NO harm in getting free or nearly free items and donating them. I do this often with personal, food, and pet products. Buying something cheap, that you are NOT going to use, is not a deal. Keep a grocery or shopping list of things that you need or want, clip coupons for these, and save. Being open to trying new products, or different brand products can really open the doors to saving. So don't be afraid to try something new, I just don't recommend that you purchase 50 of the same item, before trying just one.

Lastly, CLIP CLIP CLIP! Clip those coupons. Any coupon for any product that you will, or may use, clip it and save it! If it's from magazines, the Sunday paper inserts, or Internet Printed coupons, CLIP THEM! A lot of finding the best deals comes with having the right coupons at the right time. Often sales are on cycles. So if your favorite soda was not on sale this week, check the following week and chances are it will be on sale then, or soon after. Same with most name brand products. So clip coupons and save them (if possible) for a sale price to use with your coupon, making the most of your savings!

Well, this is the very BASIC coupon information for beginners. I will go into further detail with the different types of coupons, where to find coupons, different storage/organization methods, and more in the coming days!

Getting started!

Welcome to "a penny a day"! I am glad to have you visit! This blog is really a work in progress. I love to share deals and steals with my friends and family, and anyone else! How better to do that than to start a blog, sharing my finds.

Please be patient with me as I get this blog up and running, posting savings ideas, coupons, links, hints, and tips over the next couple of weeks.

Your comments and suggestions are welcomed, please let me know what YOU want to see! A blog is better when readers comment, add information, and even add tips!

A little about me. I am a stay at home mom of two wonderful little girls. By saving money I have enabled myself to stay home and still live a good life. Savings on food, toys, clothing and more! I love to share my savings, my finds, and my good fortune with others.

I do stockpile items that we will use in the future, hitting the BEST sales that I can! I am looking for more ways to save every day.

Please feel free to "contact me" with hints or tips that you find as well! And again, thank you for visiting!

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