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My Page For Sharing Information on Couponing and Money Saving.

Coupon Lingo

For those of you that are new to couponing, I’ve compiled a list of some of the abbreviations/terms that you might find while shopping/blogging in the “coupon world.” If you see one that I missed, please let me know and I’ll add it. Thanks!

$$/$$               This means $ off when you spend $ amount. Example: $5/$30 is $5 off your
                       purchase when you spend $30. (Check to see if the amount has to be before
                       or after coupons to apply.)

$/#                   This means that you get $ off for every # you buy. Example: $5/2 would mean
                        that you get $5 off every 2 that you buy.

B1G1               Buy One Get One Free (B1G2 is Buy One Get Two Free etc.)                                                                   

Blinkie            A coupon that prints out at a machine in the store. They are located by the
                       product associated with that particular coupon.

BOGO              Buy One Get One Free or also B1G1

CRT                  Cash Register Tape = Your Receipt.                                                                                                          

CAT                  Catalina. A coupon that prints out at the register that is either $$ off your next
                         purchase or $$ off a cetain product. You typically have to use them at the store
                         they printed, but some stores will take “competitor’s”  coupons. Note: These are
                         sometimes delayed in printing so wait a minute before walking away from the
                        register. If you think you were supposed to get one and didn’t, talk to the
                        cashier/manager and explain.

Closeouts          These are typically greatly reduced items that the store does not plan on
                          re-stocking.

Competitors      This is the term meaning “of related chains.” For example, grocery stores will
                         take other grocery store’s coupons and drug stores will take other drug store
                         coupons. Always check with each store on what their couponing policy is and
                         whom they consider to be a competitor.

Coupon Policy  This is the statement that each individual store abides by, in relation to coupons.
                         What is typically included in their policy is whether they: take competitor’s coupons
                         take coupons past expiration dates, “double” or “triple”     coupons, accept Internet
                         Printables or if they even accept coupons.

Coupon Insert    These are “packets” of coupons found in Sunday papers and also sometimes in
                          the ads mailed to you during the week. These are typically sent out by Smart
                          Source (SS or S), Red Plum (RP) and Proctor & Gamble (PG)They are also
                          refered to as inserts, S, SS, RP and PG.

Discontinued     This means that a store has depleted their inventory of an item and does not
                          plan on re-stocking it.

Double Coupons This is the term used when stores will double a coupon’s value. Example, if
                           you have a $1 off coupon, they’ll take $2 off. Stores vary on how often they do
                           this ranging from never, always, on occasion or specific days of the week.
                           Some stores may also set a maximum value limit. Example, no coupons
                           over $2 and only 10 per transaction/day.

ECB                    Extra Care Bucks. Exclusive to CVS. They work like cash on your next order.
                          (Some restrictions do apply.)

ES                      Easy Saver. This is Walgreens’ monthly rebate program. You can find the book
                          by their ads in the store.

EXP                    Expires or Expiration Date

FAR                   Free After Rebate (See Rebate for explation)

FAE                   Free after Extra Care Bucks (See ECB or Extra Care Bucks for explanation)

FARR                 Free After Register Rewards (See RR or Register Rewards for explanation)

FLIP                   Food Lion Instant Print

Inserts               These are “packets” of coupons found in Sunday papers and also sometimes
                         in the ads mailed to you during the week. These are typically sent out by
                         Smart Source (SS or S), Red Plum (RP) and Proctor & Gamble (PG) They
                         are also refered to as coupon inserts S, SS, RP and PG.

Internet Printable  A coupon that can be printed online. Also refered to as IP or Printable.

IP                       Internet Printable Coupon. Also refered to as “printable.”

IVC                     Instant Value Coupon. These are found at Walgreens in their weekly ads.

MFR                    Manufacturer

MIR                    Mail In Rebate. These are checks or coupons that the manufacturers/stores
                          will send you if you meet the requirements on the rebate form.

OOP                   Out-of-Pocket. This is the amount of money that you have spent after coupons,
                          ECBs, RRs, Catalinas (See terms for explanations)

OOS                   Out-of-Stock. Some stores will offer a raincheck in cases like these where the
                          sale price is secured.

OYNO                 On Your Next Order. Used when refering to coupons that you can use on your
                           next order at that store. (Sometimes Competitors will take them.)

OYNP                 On Your Next Purchase. Used when refering to coupons that you can use on
                          your next purchase (order) at that store. (Sometimes Competitors will take them.)

Peelie                Coupons found on products in the store. (Don’t forget to pull these off and hand
                          them to your cashier when you check-out. Don’t rely on the cashier to notice
                          them for you. It will only aggravate you later when you come home to find it’s 
                          still there!) :)

P&G                   Proctor & Gamble. A big chain of brands that also puts out a coupon insert.

Prinables           These are coupons that you can print online. Also refered to as IP or Internet
                          Printables.

Q                       Coupon

Raincheck         A slip you can ask for in the store when an item’s on sale and out-of-stock.
                         Some sales will specifically say “No rainchecks” and some stores will put an
                         expiration date on their rainchecks

RP                     Red Plum. This is a coupon insert that you’ll either find in your paper or the mail.

Register Rewards  Exclusive to Walgreens. They work like cash on your next order.
                             (Some restrictions do apply.) Also refered to as RRs.

Rolling Catalinas  This means that you can use a catalina (see definition) as payment on another
                             transaction of equal merchandise and another catalina will still print. Example,
                             if you buy 5 “name brand items,” a $5 catalina will print. If you then buy another
                             set of those same 5 “name brand items,” you can use the previous catalina you
                             received as payment towards the order and another $5 catalina will print.

RR                       Register Rewards. Exclusive to Walgreens. They work like cash on your next
                           order. (Some restrictions do apply.)

S or SS                Smart Source. This is a big name coupon source. They not only send out
                            inserts in the papers but also have an online site with printables.

Stacking Coupons This is the term used when stores will let you use their own store coupons
                             along with a manufacturer’s coupon for the same item. Example: Most Targets
                             would let you use their $ off “specific brand” product coupons along with a
                             manufacturer’s coupon for that say “specific brand” product.

Triple Coupons    This is the term used when stores will triple a coupon’s value. Example, if you
                            have a $1 off coupon, they’ll take $3 off. Stores vary on how often they do this
                            ranging from never, always, on occasion or specific days of the week. Some
                            stores may also set a maximum value limit. Example, no coupons over $2
                            and only 10 per transaction/day.

UPC                     Universal Bar Code. This is the bar code that’s scanned on products for
                            pricing/info at the stores. Several companies will ask you to mail these in on
                            rebates

WAGS                 Abbreviation for Walgreens

WT                      Wine Tag. These are coupons that you’ll find hanging on the wine bottles in
                           the stores.

YMMV                 Your Mileage (Manager) May Vary. This is what you’ll see when someone finds
                           a deal but they want you to know that your store branch may not offer the same
                           deal.

WYB                    When You Buy

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Stockpiling


            Now for what I think is the most important part of all which is stockpiling. Stockpiling is simply buying more than you need right then since you can get it at the lowest price. Studies show that stores have specific patterns to their sale ads. Most common items that buy regularly are sold at their lowest price approximately every 12-15 weeks. So if you buy enough when the price is low to last until the next low price rotation you save. When you combine that sale savings with a coupon then you REALLY SAVE.

            After you've been "stockpiling" for a while your pantry and freezer start filling up with food so you don't need to spend as much each week to feed your family. Your goal is to avoid those last minute trips to the store for "just one or two things". Those trips cost a lot not only because you probably will come out with more than one or two items but also because you are probably going to pay full price for what you buy plus fuel. These days full price on any grocery item is scary. Have you noticed how much full price is for a box of cereal or some Kraft Mac and Cheese?

            If you stockpile properly you will not have room after awhile to put food. You will be so full there just isn't any room. If you normally spend $200 a week then you will save the full amount for that week. I have gone 3 weeks without shopping. $600 saved WOW!!!!!!

            Now remember if you buy 6 papers then you have 6 of each coupon. If you want to take advantage of a deal and you want to get 10 you will not be able to do this since you only have 6 coupons. Remember you can get more coupons on eBay if you have time. Your local paper may have some left over that you can buy at normal price of the paper.

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How to Use Coupons

            1) BOGO system: You can use a coupon with every item you buy!!! If an item is on sale you can use a coupon on that item. The very best way to save is the buy one get one free(b1g1 or bogo). Lets say that general mills cereal is 3.99 and it is bogo. So that means that I will buy a box for $3.99 and the second one is free. If I have a coupon for $1.50 of one box then I can use one coupon on the box that I buy and one on the box that is free. So I am using a total of 2 coupons for $1.50 each off of $3.99. So the deal would look something like this.

1 box of cereal 3.99         Use 1 coupon on this box $1.50
1 box of cereal free          Use 1 coupon on this box $1.50

Using 1.50 + 1.50 = 3.00

Now we subtract 3.00 from 3.99 which equals .99 for 2 boxes of cereal or .495 per box

Uncle Ben's Rice 1.49        Use 1 coupon on this box  .75
Uncle Ben's Rice  free        Use 1 coupon on this box  .75

Now subtract 1.50 from 1.49 which equals -.01

When the coupons equal more than the total of the items this is called an overage which happens more than you think.

            Also before I go any further let's talk about the bogo coupon. A bogo coupon is a coupon that will allow you to buy one product and get the 2nd one free. So If you think about it the coupon is worth the cost of one product. Now if the product is already bogo then the store is giving you one free and the coupon would also. So to make it short they would both be free. Cereal 3.99 bogo, you buy one and the second is free so you pay 3.99 for 2 boxes. Then your coupon is bogo also and it is worth 3.99 also so then they will both be free. It happens a lot more than you think.

            2) You can also use coupons on clearance items.

            3) At most stores you can use a STORE and a MANUFACTURER coupon on one item. That's right on 1 item. We just did a deal on Kraft flavored mayonnaise which was $1.99 and went bogo. There was a coupon for $1.00 off in a Sunday insert so I got 2 bought one and got one free and used 2 coupons and it would come out to -.01(overage). Now to make it better than that there was a store coupon in publix green flyer for $1.00 off each and it was a store coupon that I can use in conjunction with a manufacturer coupon. So now we use two of these coupons also and subtract $1.00 and $1.00 and now we are at -2.01(overage). Now that's awesome. I did 6 of these deals and made -$12.06. The overage is how we get our best deals. So I hope that now you can see how we are getting out total bill down so low. It is OVERAGE. Lets look at this deal again that I was going over with the mayonnaise.

1 mayonnaise    $1.99
1 mayonnaise     free

Total for 2 items is $1.99

Use
1.00 coupon Sunday insert
1.00 coupon Sunday insert
1.00 store coupon
1.00 store coupon
Total $4.00

     $1.99
    -$4.00
=  -$2.01

Now of course they are not going to cut you a check or pay you out in cash, but it will be absorbed into your total deal. Now I know that you are thinking that this only happens once every couple of years, but that is not correct. This happens all the time. Overages is the way that we buy $300 for $10 or less. This happens all the time. Also if you have a b1g1 coupon and it is a b1g1 sale both item will be free. The sale subtracts one items cost and the coupon does the same.

I do not know about all the stores across the nation, but Publix will take competitors coupons. At Target.com they have a database of printable store coupons that you can use the same as a publix store coupon. You can go to there site and look these over and if you see one that you like you can print it. In other words if you have a Publix near you then you can use a Target coupon and a manufacturers coupon on each item you put on the belt. There is also a $5 off a purchase of $25 that you can print when you sign up at savealot.com that publix will take as a competitors coupon.

4) Double coupons: Also there are stores that do double coupons. We do not have this in Florida, but I hear it is great for those of you that do. I have not been involved in the doubles or triples, but I do understand the math of it all. So if a can of peas is 1.29 bogo and we have a .25 coupon, we would still use one on each item, but they would double the value. So 1.29 for 2 cans we would use 2 coupons for .25 each, now when they ring up the coupon it will ring up as .50 and then they would ring the second and it would ring up as .50 also. We have subtracted 1.00 from the total of 1.29. So we will pay .29 for 2 cans of peas. Pretty simple. They may also just have a item on sale for a $1.99 and if you have a $1 MQ that they will double then you have a slight overage. Now each store has there rules on the double coupon system. It may be just on a certain day a week, or even just once a month, but others do it all the time. Some just double up to a certain amount, so check with your store for the rules.

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Things that will make couponing much easier

·                     Three ring binder with a zipper to close and an area inside to put couponing items.
·                     Baseball Card Holders
·                     Scissors
·                     Heavy Duty Stapler
·                     Zip-loc Bags
·                     Computer with internet access
·                     Printer with plenty of ink
·                     Calculator
·                     Paper dividers with tabs

            1) Coupon Binder – I suggest a three ring binder with a zipper to keep things secure. Then I put baseball card holder inserts in the binder to store coupons in. I then use paper dividers with tabs to separate it into section like frozen foods, dry goods, hair care, and so on.  Then put your coupons in the baseball holders in the right sections. With this system you can carry everything will you. My folder also has a zipper area and an accordion area too that I store all kinds of things in.

            2) Coupon Box Method - This is some form of box where the “clipped” coupons are usually kept in some type of labeled envelope system. They can be put in envelopes in some type of category and marked. This system is a little more difficult to locate coupon needed. If you go with this method, I’d highly advise a box with a secure lid! Usually, when they shop, the box is put in the child seat of the cart for easy access. Maybe a rubbermaid type box.

            3) Coupon Insert Method - This is where the coupon inserts from the Sunday paper are kept intact, and either not clipped or partially clipped, and filed by week. Usually an expandable file folder that has tabs for labeling is used. With this technique you have know way of taking your coupons to the store. If you find a great deal you will have to go home, get coupons and then come back to the store.

            With any system that you use you should find and store the coupons that you are going to use in a zip loc or envelope before going to the store to save time and hassle. Nobody wants to be in the store for 3 hours. The more organized you are the more you will save. When you are in the store and have you binder and find a deal that you were not planning on you will have your coupons with you.

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Basic Couponing With Real Savings

         I had seen these people on TV saving all kinds of money, but it just didn't make sense to me. I tried to figure it out, with no such luck. Now I know that you are thinking that this sounds to familiar. Then my sister called me and said that she knew how to save tons of money with coupons. Well within about a week she came up and started showing me how it is done. Since then I have learned the real way to save and have taught several hundred classes.  Well if you are ready to start saving major amounts of money, then just keep reading.

            The very first thing we need to learn is where to find coupons. Without that information we will be very lost. The first and most important source is the Sunday newspaper. On Sundays most of the newspapers come out with 1 or more inserts. Inserts are small booklets with nothing but coupons in it. There are the Smart Source, Red Plum, Proctor & Gamble(P & G) and the General Mills. There may be others from time to time, but these are the most common. You must be careful to make sure that the paper you but has the inserts in them, since some papers do not have them. How many papers?? Well I always suggest 2 papers per household member to start. That's right 2 of the exact same paper. Always buy in multiples of 2. If you are getting the Chicago Times and you have 3 household members then buy 6 of the Chicago Times on Sunday morning. Trust me!!! If you buy 6 papers then use $1.00 coupon out of each then you have paid for the paper and the rest is all profit. You must buy the papers to make this work, there is no way around it. Remember you are not going to save 100% the first week, it takes time to collect a good database of coupons. Also if a deal comes up and you want 20 of an item and you only bought 6 papers you will not have the coupons to get 20.

            Next is the internet. There are many web sites out there that are designed just to providing internet printable(IP) coupons that you can print on your computer and take straight to the store and use for instant savings. You just look on the site and scan through the coupons, check the box for the ones you want and then hit print. There are also manufacturer sites that do the same, but they are just for the items that they produce. You can do a Google search for printable coupons and there will be many sites to choose from. Then there are sites like Kraft, and many others.

            In the stores is a place where we must keep our eyes open. There are peelies which are coupons that are right on the product that you just peel off and save. When I find them I usually peel a few for when the item goes on sale. Then there are blinkies, these are the little red boxes on the isles that have the blinking light and gives out coupons. Remember always get your coupons in multiples of 2. There are also coupon booklets that can be anywhere in the store. These can have store coupons in them and manufacturer coupons as well. Also look in the area that has the sale paper since you may find coupons or booklets there also. There are also tearpads which are a tear off pad that is held together with a plastic glue type stuff. You tear the coupon off and use it like any other coupon.

            You will also find coupons in magazines. So let's say we are at the doctors office and looking through a magazine and come across a coupon then just tear it out. How many times have you seen a magazine with expired coupons in it. If you haven't then you will very soon. Also at Walmart at the check out lane with the other magazines there is a magazine called "All You" magazine that is dedicated to coupons and usually has anywhere from $60-100 in coupons in it. They are usually usable coupons and of higher value than most other coupon sources. Also there is usually a coupon for the magazine inside. Always buy in multiples of 2.

            Now days you can buy coupons on eBay. Now that does not mean try to buy every coupon you need on eBay, because that could cost a fortune. If you didn't buy enough papers that week and you want to purchase a lot of an item then eBay may be the way to go. Now remember you may not get them in time. Some sites will tell you what is going to be on sale a week or more in advance, so this is when you want to order.

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