The Smart and Savvy Way I Save 40% on my Groceries. (Couponing for beginners.)
I never thought I would be writing this post. Ever.
I really assumed that coupons were nickel and dime stuff that wasn’t worth my time.
But honestly, I have to admit that in the past 6 weeks, I have become a big fan of couponing.
It’s saving me a ton on my grocery bill every week and it’s simple and fun.
I felt that I needed to share what I’ve learned about coupons and couponing. So, here goes.
How it began: I caught an old episode of Extreme Couponing on television and it piqued my curiosity.
- *Disclosure: My aim is to recommend products that will truly benefit you. I believe in transparency and want to disclose that I’ve included certain products and links to those products on this page that I will earn an affiliate commission for any purchases you make.
My Goal:
- What if I applied these stacking strategies to my own shopping?
- And kept it simple and manageable.
- What if I created a strategy to use coupons only for the things I buy and Like.
- How much could I really save by becoming a savvy, frugal couponer, but not an extreme couponer?
- The answer was about 40%!
Things I learned about saving with coupons:
- Everything in a supermarket and drugstore goes on sale. There is a cycle of products that changes week to week to entice customers into the store.
- In business terms these are “loss leaders.” Items that a store is willing to sell below cost. They know if you come in for an incredible deal on Pringles Potato Chips at .79 a can, then you will stay and buy their other products.
- By stacking coupons and sale items, you can save Big on products you are already buying.
- By stocking up when items go on sale and have coupons, you never have to pay retail for the items you buy.
- Couponing takes much less time than I thought and pays huge dividends. (and it’s really fun)
- There are valuable coupons for almost everything. Diapers, razor blades, and all food items.
Why is this happening: Stores like Target and Drugstores like CVS, need to offer deals that entice you to visit their stores.
So, there are more deals than ever before because there is so much competition and overlap in the products they offer.
Bottom Line: It is easy to do, doesn’t take much time, saves me a lot of money, and is really fun.
What’s the big Deal? Well, if you can save $350 each month on a grocery bill, then it’s like creating a side hustle that brings in $448 in pre-tax income.
That would require driving for Uber for 44 hours. Pretty Great. Saving Time and Money!
More on side hustle ideas here.
There are coupons for every store: target coupons, cvs coupons, and walgreen coupons. And by learning the strategy to maximize their value, you will be saving a lot of money.
And since a penny saved is a penny earned, you are in effect Earning Real Money with coupons.
There are coupons for all of the products you buy:
- Men: Gillette Razor Blade coupons? Yes
- If you have a baby: Diaper Coupons
- Women: Tons of makeup Coupons.
Again, I never expected this. But, the math and my experience over the last 6 weeks has convinced me that there is real value here and I wanted to share it with you.
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Relevant Articles:
45 Ways to Increase your Income
9 Best Ways to Save $7K This Year
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What will People Think?: I look at the Smart Source coupons and the Red Plum circular coupons as $10 Bills. I don’t know anyone that wouldn’t pick up a $10 Bill.
Even Bill Gates and Warren Buffett would pick up a $10 Bill.
Getting Started: Basics
Get a loyalty card from your local Supermarket, drugstore, and Target. (I’m saving 40% and only using one supermarket and drugstore plus Target). Also, make sure to download their apps as well.)
Subscribe to the local Sunday newspaper. I now see the Sunday newspaper as a $10 bill that I pay $1 a week to buy.
Look through the coupons on Sunday and clip the coupons for products you use. Plus, clip coupons from products you would use if they were really cheap (or free).
Yes, some items become free when combining offers.
Next, You’ll want to Download the Ibotta App here.
Ibotta gets you additional savings when you add a deal in their app and then simply take a photo of the receipt after purchase. Check the Ibotta app before you go to the store and add items you buy for additional savings.
Savings at Ibotta are in addition to store coupons and discounts, so this is a second way to save on the same items. The app is totally Free. Ibotta App here.
Keep the supermarket circular that comes in your mailbox on Tuesday. It has all of the deals from your local supermarkets. In addition, there is a Free coupon insert included with these circulars.
Join Coupons.com
They have tons of coupons from national brands that you can print from your home computer. These are additional coupons that you will want to have access to. It’s totally free to join.
Get Organized: I am not an extreme couponer. My strategy is to save as much as I can by using deals, coupons, and cash back apps like Ibotta.
My strategy is based on simplicity.
As you can see, I have one stack of coupons for the grocery store and another for the drug store.
If you have a large family and want to create a large binder of coupons, then that is perfectly fine. But, my system is working really well right now.
I wait patiently until things I buy go on sale (and have a coupon) and then stock up to take advantage of the savings. I dont go crazy like the extreme couponers. But, I make sure to buy as much as I can when an item is at a great price. And it’s great when it happens. Its a great feeling.
Begin Accumulating Coupons:
Pay attention to the cycle. Each week there is a cycle of coupons for products that go on sale. For both groceries as well as Drugstores. Clip the coupons and wait. It helps if you can remember which coupons you have. Then each week, check the circular to see which items are on sale.
The goal is to combine the coupon for an item that has gone on sale. (commonly called stacking).
Check out additional sites where you can print coupons.
A great resource is coupons.com, where you can print more coupons.
Extra coupons: Think of the products you really like and buy consistently. Contact those brands directly via the web and ask for coupons for your friends.
(Make sure to include your address so they can mail them to you.) This takes very little time. Just a quick copy and paste. And about a third of the companies I contacted sent me free coupons.
What’s great is the ones who do send you a bunch!
Begin Reviewing the store circulars and try to match the sales with your coupons.
Review the Ibotta app for additional savings before you head to the store. They offer discounts on Lots of items. Even Produce, Wine and Beer!
Go Slow: It takes a while to get up to speed. You need to buy the exact items that match the discount and coupon and learn the fine print on coupons.
But once it clicks, you’ll be so glad you started!
General Couponing Tips:
“Limit one coupon per purchase” means one coupon per item.
Basically, if you want to purchase 20 items, you must use 20 coupons.
- If a manufacturer coupon says “Cannot be combined with any other coupon,” you can still stack a store coupon on it.
“Balance Rewards Points, Extrabucks, and Plenti Points” are drugstore credits that can be used like cash.
Each drugstore calls their in-store credits something different, but they essentially all work the same.
As long as you sign up for each store’s loyalty program, you can start earning these in-store credits and using them with coupons for bigger savings:
CVS – Extrabucks
Walgreens – Balance Rewards Points
Rite Aid – Plenti Points
Find rewards promotions in each store’s weekly Sunday ad.
Or, walk into any of the three major drugstores and find brightly colored tags hanging from the shelves. Typically these tags will say something like “Buy X product, receive $X [or points] in rewards.” When you buy the product in the right quantity, you’ll receive rewards at the register that can be used on a future purchase.
A “Catalina” is a coupon that prints at the register.
Catalinas are register coupons that print out of the little Catalina machine at participating store checkouts (like at Kroger and Safeway).
These coupons are sometimes advertised, or are generated based on a shopper’s behavior.
Additional Resources:
Many of the printable coupons from Coupons.com have a store suggestion on them, paid for by retailers like Walmart.
You might see the words “Available at…” or “Redeemable at…” but you don’t have to use those coupons at the suggested stores.
You can totally use them at other retailers as long as the coupon says “manufacturer coupon” on it.
The Best Deal Sites for all things Couponing:
Additional Ways to Save Money:
Get Cash Back at Ebates:
I use Ebates and they give me cash back for nearly all of my purchases.
Ebates gets a commission from stores you shop at and they share the commission with you. Average cash back is about 7%, which is great. Right now, they are offering a Free $10 Gift Card when you join and spend $25. More about Ebates Here.
How Ebates works:
- Before you make a purchase, simply visit the Ebates site,
- find the store, like Macy’s
- You’ll see discount codes (usually between 5%-10%)
- and use their link to make a purchase.
- They give you cashback for your purchase.
- They pay via Paypal.
They have a browser extension that makes it so easy to save. And they’ll give you a $10 Gift Card after you spend $25
Browser extension for Ebates:
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