Coupons 101

GUEST POST: Coupon Policies

by April on July 27, 2010

This is a guest post from Staying Lean In Oakland. To check out more of her posts, go here. Thanks!

Tashena Lynette Gonzales is the author of  http://stayingleaninoaklandcounty.blogspot.com/ and is a Bilingual Supply Chain Specialist by day and frugal blogger at night.  She uses her education in the field of marketing, her experience as a consumer and the plethora of frugal experts already on the web to try to bring tips on frugal living to those in her area of metro Detroit, while still looking for on-line deals that other readers can enjoy nationally.

To be a smart shopper and use coupons wisely you have to have a good working knowledge of the coupon policies of the stores you frequent. Smart shopping techniques consist of not just using coupons but using coupons on items that are on sale and stocking up when prices are low. A store’s coupon policy can hit on two of those, how much impact your coupon will have on a sale item and whether or not you will be able to stockpile items. Some stores allow you to use as many of the same coupon as you like some limit the number of coupons that can be used. Some stores double coupons some do not. Some stores take all verified printable coupons from the Internet some do not. You may end up using one or two stores for your weekly shopping and another store for specialty or stock up items.

If you shop at a local store you will want to ask for a copy of the coupon policy or speak with the manager to verify what it is. Here are some questions you may want to ask:

What is the true value of the coupon? (Are they taken at face value? Does the store double or triple coupons? Is there a limit to how many coupons are doubled? Etc.)

Does the store have their own store coupons? If so how does one obtain them?

Are store coupons able to be used with manufacturer coupons? (Can you stack coupons?)

Does the store accept coupons for free items? (Some stores actually have in their policy that they do not honor coupons for free items!?!)

Does the store accept any competitor coupons, if so what type?

Does the store accept any expired coupons? (Believe or not some do!)

How does Buy One Get One Free Sale work and how can coupons be used on this type of sale? (For example some stores ring up each as 50%, thus you can chose to buy only one item, and you can use two coupons on each item if you chose to buy two. Other stores ring up as full price on the first and $0 or the second which allows you to only use one coupon.)

How are Buy One Get One Free Coupons handled? (Some stores believe the coupon is attached to both items and is the only one allowed, others believe the coupon is attached to the free item and another coupon can be used on the coupon you are not getting for free.)

Does the store accept Internet Printable (IP) coupons?

One last question you may want to throw in that is not at all coupon related but gives you a small discount and helps the environment: Do you give a credit if a customer brings their own reusable bags?

Knowing the store’s coupon policy will also help you if you have an uneducated or unfriendly cashier that wants to question your transaction. Some stores you may need to keep the coupon policy with you when shopping. Some stores are more coupon friendly than others and it usually just depends on the area you are in.

Are there any questions that I missed? Please post them in the comments section so I can update the list!

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This is a guest post from Staying Lean In Oakland County. To check out more of her posts, go here. Thanks!

Tashena Lynette Gonzales is the author of  http://stayingleaninoaklandcounty.blogspot.com/ and is a Bilingual Supply Chain Specialist by day and frugal blogger at night.  She uses her education in the field of marketing, her experience as a consumer and the plethora of frugal experts already on the web to try to bring tips on frugal living to those in her area of metro Detroit, while still looking for on-line deals that other readers can enjoy nationally.

Have you ever heard someone say or perhaps you yourself have said, “By the time I buy everything I need for a meal it seems like it is cheaper for us to just go out to eat.”  It usually happens more with families like mine a two-person family.  And what usually happens is that you have a taste for something, say Mexican food or Chinese food, so you go to the produce section of the closest store purchase all the produce, then all the necessary sauces and extra things and by the time you are done the meal is like $30 – $40 or at least $15 a person.  (I saw this phenomenon when my husband cooked me dinner on our annervisary.)  And in that case it is true it would’ve been better to find a nice Taqueria or Tex Mex joint or $8.99 chinese buffet and you would’ve saved the energy of cooking.

However if you stockpile you won’t have to worry about that. Which brings me to my Kroger #1 entry in the previous post.  At first glance it truly looks like a couponing failure.  However what happened was this.  I’d made a marinated steak in the crockpot the two nights prior and had that the night before.  My husband asked me what was for dinner and I told him we still had leftover steak.  He thought about it and asked could I do something else with it, like a stirfry or something so I thought about it and said sure.  I went to the store on my way home and bought fresh mushrooms, bamboo shoots, and frozen edamme beans for the stir fry.  There were three brands of edamme beans and one was cheaper and on sale and that is where my small 6.81% of savings came in at.

To make the rest of the meal I used things I already had on hand.  I had Teriyaki marinade that I got for free during VGs Triple Coupon event, frozen green beans from Aldi’s, canned carrots from a previous store trip, and the meat still left that was bought discounted at VGs.  Granted I didn’t even really need a store trip but those were some things I preferred to have in my stirfry.  The meal was a sufficient complete dinner for my husband and I and I had some left over for lunch for work the next day.  So although the $6.84 spent with little savings seemed like a lot, due to my stockpile I probably still had a meal for about $10 or so, three meals really so a little over $3 a serving for a delicious stirfry, much cheaper than restaurant prices.

So what is this concept of stockpiling?  Check out my post here buy things you don’t need.

Another good article to check out is this one here Grocery Coupon Guide Stockpiling groceries.  It is very detailed and even has pictures of what to do if you believe you have limited space to stockpile.

This is just one of the benefits of stockpiling it makes planning a meal that you don’t normally make a lot simpler.  It truly saves more money over the long run.  My husband has about 8 bottles of body wash right now most of which were bought for $.50 or less.  I don’t have to buy any more body wash for a while and won’t until it is available to me at $.50 or less.

A stockpile also gives you some financial stability and leeway.  If I had a an unexpected expense come up and I really didn’t have the funds to go grocery shopping for two or three months I could survive.

Lastly you can stockpile many things and then use them as gifts.  When make-up, perfume, candy, all kinds of things are on clearance in a store or on-line I buy them and later use them as gifts.  For weddings you can put together a nice gift basket with household goods, bridal showers perfume, lipgloss etc in a nice bag or later just donate things if you really have excess.
One other good post that I had earlier linked to a really good discussion so check it out here: How Many Coupons do you need to stockpile?

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This is a guest post from Courtney over at My Dallas Mommy. To check out more of her posts, go here. Thanks Courtney !

This is my favorite coupon savings strategy because it’s simply and allows me to buy lots of super cheap and even FREE goodies!

What is coupon stacking?

Most stores allow you to use their own store coupons AND a manufacturer’s coupon one the same product. For instance, if you have a $1.00/1 Target Herbal Essences coupon and a $2.00/1 manufacturer’s coupon (from the newspaper or other source), you will be able to save a total of $3.00 on a bottle of Herbal Essences and probably get it FREE or very close.

Stores that allow coupon stacking and where to find their coupon:

Target – you can find most Target coupons on their website. You might also receive Target coupons in the mail or get them in your Sunday newspaper inserts. These will always have the Target logo and say Target Store Coupon.

Walgreen’s – you will find these in their weekly flyer, on their website or in their monthly coupon booklet (found in the front of the store by the weekly flyer)

CVS – you will find these on there website (these will say CVS Pharmacy coupon – be aware that there are also manufacturer’s coupon on their website), clip-free coupons (these are usually good for a whole month and will automatically be deducted with your purchase) and at the price scanners in-store (just scan your CVS card before you shop to print out CVS coupons).

Other local grocery stores – you will usually find these in their weekly sales flyer.

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My First Coupon Training…

by April on May 10, 2010

So my first class was today, and overall I think it went ok..I’m sure I confused them a little with all the talking and tons of info, but it was a lot of info in a little time. Thanks for being my guinea pigs girls!

I’m planning my next training, and would love to know if most of you that are planning to come to a training would rather come on a weekend or a week day in the evening? Leave comments with your preference so I can get this planned! :) Thanks!

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Coupon Abbreviations

by April on April 10, 2010

AC = After coupons
ACTUALS = The actual item as opposed to a coupon for it
AR = After Rebate
BC = Before coupons
BLINKIES – instore coupon dispensed near product from red blinking box
BOGO or B1G1F = Buy one get one free
BTW = By the way
CAT or Catalina = coupon dispensed at register after purchase
CPN = Coupon
CRT = Cash register tape
DCRT = Dated cash register tape
DND = Do Not Double
DOUBLE COUPON = coupon that a store doubles in value
ECB – CVS Extra Care Bucks earned for purchases
FAR = Free After Rebate
FREE ITEM COUPON = A coupon that allows you to get the product completely free
GC = Gift card
IP = Internet Printable
MIR = Mail In Rebate
MQ = Manufacturer coupon
NED = No expiration date
OOP = Out of Pocket
OOS = Out of Stock
OYNO = On your next order
P&G or PG = Proctor & Gamble coupon insert
PEELIE = coupon that you peel off the package
POP = Proof of purchase
PP = purchase price
Q = Coupon
RC = Raincheck
RP = Red Plum coupon insert
RR = Register Rewards
SCR = Rite Aid Single Check Rebate
SD = Store Display
SMP = Specially Marked Packages
SP = Stockpile
SS = Smart Source coupon insert
STACKING = Some stores allow the use of more than one coupon per item
TEAR PAD = A pad of refund forms or coupons found hanging from a store shelf or display
TMF = Try Me Free
TRIPLE COUPON = a coupon that a store triples in value
UPC = Universal product code (barcode)
WINE TAG = coupon, usually for $ off any meat, cheese or produce.
WSL = while supplies last
WT = winetag
WYB = When You Buy
YMMV = Your Mileage May Vary (A deal may work in one area, but not the other.)

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