Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Wednesday, May 26, 2010

A Peek in My Coupon Binder and My Categories

I thought I would share my coupon binder for anyone looking to get serious about couponing. I wish I knew about this when I became a stay-at-home mom! It is saving my family so much. It is a part time job for me right now but it is totally worth it! I plan on bumping my family grocery budget down by $50 per pay period in a month.

Above is the binder I recently moved up to after my other binder was getting too full. Also, you really want a zipper binder to keep from losing your coupons if the binder get's dropped. This binder was purchased at Walmart for $10 in the Office/Supply section.

Weekly, I make my stop at the Dollar Tree after church and pick up the Sunday paper for $1.00 each. I pick up one paper per family member. You may think that's a little crazy but when you have 5 coupons for Cheetos and you can snag them for $0.29, you'll thank me! We're not talking about the small lunch Cheetos either. Yes, I bought 5 bags of Cheetos at Safeway for $0.29/bag and my girlies were thrilled!!!

At the front of my binder is the Stock-up Prices that I got here at Fistful of Coupns and here at Faithful Provisions. The Faithful Provisions is an 11 page pdf file and very detailed. Stock-up Prices is the price you pay to stock-up your pantry and freezer. This list also includes the sale price they are willing to pay for items. Example: A good sale price for cookies is $1.25 but the stock-up price is $0.99. That way when you are making your list, you can make sure it is the best deal for your family or you may decide to wait until the price is lower.

These are the categories that I have in my binder. I have added to them since I started and you will want to modify it for your family. I no longer have Babies at home so if you do, then you will want a section for that.

*Free
*Produce/Dressing
*Condiments/Sauces (includes your BBQ sauce, mayo, salsa, marinades, etc.)
*Beverages
*Packaged/Canned Goods (includes pasta, bread, boxed mixes like Zatarain's, etc.)
*Baking (Includes sugar, chocolate chips, cake mixes, etc.)
*Cereal/Breakfast
*Snacks/Candy (Includes chips, granola bars, gum, crackers, etc.)
*Dairy (Includes milk, butter, cheese, sour cream, yogurt, etc.)
*Meats (Includes meats from deli and meat dept. - frozen meats like chicken nuggets are filed in the next section - frozen foods)
*Frozen Foods (Includes meats, icecream, rolls, prepared frozen meals, etc.)
*Personal/Razors/Deoderant (I have all three of these together and plan to break them down when I get more dividers! Personal includes feminine products, etc.)
*Oral Care/Make-up (I also have these combined but plan to break them down when I get more dividers. Oral Care includes toothpastes, whiteners, dental floss, etc. I keep all cleansers, etc. in the Make-up sections as well as nailpolish, lipstick, etc.)
*Medicine/Vitamins
*Hair Care
*Body/Lotion/Soaps (Body includes body washes. Soaps includes hand soaps, soap systems, etc.)
*Cleaning Supplies (Includes your toilet and glass cleaners, dish soap, etc. I also include sprays and candles here.)
*Paper Goods (Includes toilet paper, ziploc containers and bags, kleenex, paper towels, etc.)
*Office Supplies/Misc. (Includes light bulbs, batteries, pets, bug sprays, etc.)
*Kids/Toys (Includes coupons like The Littlest Pet Shop you can snag here! Click on the link and select Toys on the left side to see and print the BOGO coupon and score them free at Toys R Us this week since they are on sale Buy One Get One!)

I use the baseball card holders for my coupons. You can find these at Target and Walmart by the registers and trading cards. I have three packs of them now but you can start out by buying 1-2 to get going. They are around $5 for about 30 sheets. This way you can flip through all your coupons and see what you have. A little more time consuming than some of the other couponing methods out there but I won't miss things by having them all filed and visible.

A couple of tips:

1) To make clipping those coupons easier, grab all your coupon packs from the newspapers you buy (ex. SmartSource) and open up and lay out the like pages on your kitchen table or living room floor. Grab a stack that are the same and snip them leaving a bit of a border so you don't cut off the expiration date, etc. This way you are not clipping coupons from 5 of the same SmartSources. Really speeds up your clipping!

2) Only print computer coupons that you know you will use. Otherwise, you are wasting your ink. Lots of times, the newsletters/emails I receive will say to print the latest coupons and in the beginning I did. Now, I've learned that you can usually print the coupons that you need when the product is on sale.

3) See a newspaper coupon that is not a product you use/want...keep it! I am not a contact lense wearer but yesterday, I bought contact solution and profitted $1.26! They paid me to buy the product and I'll pass it along to a family member if they can use it or to my local food bank. How did I do that? The product was on sale for $7.99 and after I paid, I received a Register Reward for $8 for a future shopping trip. I used a $2.00 off coupon so after paying for the product plus the taxes, I profitted $1.26 - Wahoo! You may be thinking, it's only $1.26 but I could buy 4 bags of those $0.29 Cheetos with that money! That is what couponers call a Money Maker or MM.

4) Keep in mind that you pay the tax on those free items so make sure it's an item you need or that you'll use. Those free deoderants and lotions are not really free when you consider the tax but they are really inexpensive.

Feel free to leave me a comment if you have any questions. Good luck!

Friday, April 30, 2010

Stock up Prices


Since starting seriously with the whole couponing, I feel like I'm getting good deals but I've actually been told I can do better by the "seasoned pro's". These gals have been doing it for years and know what they are doing! The more you do this, the better you get at gettting the BEST deals. I'm told it takes 2-3 months before you start to see a significant decrease in your food budget. I'm baby stepping my way there though and having fun doing it.

I started searching online to figure out what the best deals are and what prices you should pay to stock up on food so that I know when to wait and when to buy more. This first gal, from Faithful Provisions, is from Tennessee so some of the prices may be more or less depending on where you live. She has an 11 page stock up price listing! Click on the "provisions - get it now list" to be directed to it. She also has some good recipes available there.


I'm not sure where this second gal is located but I have subscribed to her at Fistful of Coupons. She has a much shorter stock up price list but it includes things that the other gal does not have. She also includes what she get's for free which is really helpful to know!

These are the things she get's for free...Toothpaste, Shampoo, Conditioners & Stylers, Razors, Contact Solution, Bodywash, Mouthwash, Deodorants: both Mens & Womens, Floss, Crackers, Scented Items:candles, plug-ins ect, Lightbulbs, Pantiliners, Medicines/Vitamins. I'll drink to that!!

Thursday, April 1, 2010

We got a Dollar...Hey, hey, hey hey!

I'm on a new mission! Couponing! We've been going to the Dave Ramsey's Financial Peace University class for the last several weeks. It has been very informative! If you ask me how it is, you will hear that last statement from me as well as "In my face". It is a great class to make sure you have all your financial ducks in a row but at times for me, it has been a bit overwhelming.

The first few weeks, you work on your budget. I can hear you groaning & trust me, I have and still do my fair share of groaning!! Jack and I thought we were doing pretty good...NOT!

So, my lately endevor is to start taking advantage of all those dollars out there that are available to everyone. I've always been a bargain shopper and a coupon clipper. Now, I'm getting more serious though.

I've recently signed up for two electronic coupon programs. That way, if you run into the store to grab that gallon of milk and remember that you haven't ate lunch, you can grab that yogurt that you have a coupon for at home and not feel guilty for not waiting until you had it. When you scan your Rewards or Club card, you'll get the discount! How easy is that?? I guess I'll have to let you know after I've used it.

The two electronic coupon programs that I've signed up for are: http://shortcuts.com/Home.action and http://www.cellfire.com/. They came to me in an email from another coupon program that I've subscribed to. Each day, I get an email from http://www.thriftyandthriving.com/. Within it are a number of savings opportunities.

Today, one of the deals was a Mr. Potatoe Head from Toys R Us for $1.99 which is normally around $9.99! If you go to Thrify and Thriving, you can see this deal with the coupon as well as all the others available.


I'm hoping to be singing the Dollar song and doing a little jig but replacing it with $100 or even $50! The most important thing to keep in mind though...don't buy it if you don't need it. Good luck!