How To Clip Coupons To Save Money And Cut Your Grocery Bill In Half

In the current lagging economy, everyone is searching for money-saving tips and techniques. You will be surprised how much you can save when you set your mind to it and establish a strict budget. Food costs have obviously risen, and this one of the areas of our budget that we can make a few simple adjustments to save a lot of money. You can clip coupons to save big bucks on your grocery bill. You may be surprised how those little savings add up to big dollars over a short period of time!

This article is for those who are new to couponing. It is intended to give you some basic starting points so that you will be well on your way to successfully stretching your budget.

Where do you find coupons to clip? There are many places for you to find coupons. Coupons are in your weekly Sunday paper that you may already receive. If you do not receive it, check with your friends and family who do; they may be perfectly willing to hand over their coupon inserts to someone who will use them. This is a great place to start.

There are also online websites that offer free coupons for you to print. These are an excellent recourse to take advantage of. You can also purchase multiple coupons from online coupon sites and Ebay, but I only recommend this when you are looking for a specific item.

What is the best way to maximize on my coupon clipping? The best way to get the most out of your money and make it stretch the farthest is by combining coupons with sales. Buy a product that is on sale and combine it with a coupon and you can often get an item for free.

The key to your success is to plan ahead. Search the store ads weekly for sales and match them up with your coupons. Plan your meal schedule around what foods you can find good deals for this week. Stockpiling is another major aspect of couponing. When you find an item on sale that you use often or need, find as many coupons as possible to stock up on that item at the best price.

At first glance, you may be overwhelmed and think that couponing takes a lot of work and effort. While it does take time, seeing the savings add up will be a very satisfactory experience for you. One shopping trip of saving over 50% or scoring a cart full of free stuff and you will be hooked!

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Cut Down on Your Household Expenses

Are you feeling the pinch of the economic crisis that brought down multinational firms and companies on the brink of bankruptcy? Do you feel more money conscious now compared to last year? Are you worried that you might be laid off from your job and your dwindling savings may not be enough to cover your expenses until you can find a new job?

If you answered yes to the previous questions, relish in the fact that it is a normal reaction being experienced by every single person in this country. After all, many economists and financial analysts have claimed that this recession the country is undergoing right now rivals the so-called Great Depression in the 1920?s. What you feel is not exactly unheard of. Therefore, in order to bring calm to your sense and to put your mind at ease, you should do your part in keeping the cash in and minimizing your expenses. Though this sounds a lot easier said than done, it is not totally impossible.

Here are the tried and tested ways to save money in a household. Use them to your advantage and be prepared to see your so-called purchasing power increase tenfold.

First, you have to keep track of your appliances. Have the filter of the air conditioning system free cleaned regularly. Defrost your refrigerator when you see that there is too much ice in the freezer and the food inside takes a longer time to get cold. Use the dishwasher only when you have a full load. Take quick cool showers instead of long and leisurely baths to minimize water consumption. Unplug all electrical appliances when they are not in use because they still consume energy even when turned off. If you fail to do this simple task, it will increase your electric bill greatly that will result to a huge amount if totaled annually.

Second, you must create a list of must-buy items before you go on a grocery trip. This will keep you from buying all the unwanted items and treats that are being displayed near the cashier’s lane to tempt you into submission. As much as possible, leave the kids in the house with a responsible adult before shopping because they will throw temper tantrums if you don’t buy them the things they want. This is a simple but highly effective way to avoid splurging and spoiling the kids.

Buying in bulk will also minimize your expenses. Most stores offer a discounted rate to customers who buy bigger packages instead of smaller ones.

Third, avoid eating out as much as possible. You will be unnecessarily spending money for your gasoline, for the food that you eat and for the waiter’s tip. Learn how to cook nutritious but tastefully done dishes so that your husband or kids will not have a reason to demand dinners at expensive restaurants. Inculcate in them the importance of bonding moments in the confines of your own home.

Lastly, spend your cash instead of utilizing a credit card. This will prevent you from accumulating a huge debt and having to pay an exorbitant interest rate to the credit card companies.

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Consumers Turn to Money-Saving Web Sites

NewsUSA – As the economic recession continues, Americans look to pinch their pennies. And while a good pair of scissors and sales flyers can go a long way toward cutting expenses, many people are printing, rather than clipping, their coupons.

Here are some top Web sites that consumers are using to find deals on items ranging from prescription drugs to home furnishings:

BidRx.com. Here, the pharmacies bid for your business. This Web site allows registered users to access an auction, where they can view different pharmacies’ rates for prescription medications. If a user notices that a pharmacy in another state charges less than their local pharmacy, they can place a mail order to receive their medications at a lower cost. BidRx.com also lists similar drug options that fulfill the same function as their current medications, but at a lower price. When registering, enter M4E014 in the referral code box for immediate savings.

Bradsdeals.com. Basically a savings tracker, the Web site bradsdeals.com tells users when their favorite stores and companies offer sales, bargains and other promotions. Users can print out coupons or access codes that save them money online. Products range from groceries to electronics to clothing. The site updates daily.

Pricegrabber.com. If a user knows what item they want to buy, they can search for the item at www.pricegrabber.com. The Web site will show the price of the item as it is sold by different vendors, so users can quickly hone in on the best deal.

Bookfinder.com. Whether a user needs text books or a pleasure read, bookfinder.com will show what different vendors charge for the same used or new titles.

Mint.com. If an Internet user struggles to keep track of their online spending, they can create a free account at mint.com. Users enter financial information, including credit and debit cards, bank accounts and budget information. The Web site will then help users track and categorize their spending. Mint.com also alerts its users when they receive paychecks or when they exceed a preset budget.

How much do you need to retire?

This is from a CNN/Money article published October 24. It can be found here. Bottom line is that the more you made during your working years, the less that Social Security will proportionately replace your income if your spending and lifestyle does not decrease. To make up the difference you would naturally have to accumulate savings to cover your needs and wants for your life expectancy. Premier Guaranty can design such a plan for you. Give us a call.