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As if we didn’t have enough coupon “stuff” to remember – there is yet another step you might want to look into. SavingStar.com is a site that you can load coupons to your existing store loyalty cards (currently includes CVS, Dorothy Lane Market, Kroger, Marsh and Rite Aid in the Dayton Area). The difference with this site is the coupons load to all of your store loyalty cards that you have registered on the SavingStar.com account. You then shop with your store loyalty card, but your bill stays the same! Why you ask? Good question. Another difference with SavingStar.com is that the savings aren’t deducted from your store bill, but actually added to a SavingStar.com account. Once you reach $5.00 saved in the account you can choose a gift. The gifts currently include a bank deposit, Paypal deposit or Amazon Giftcode. There are more gifts to come according to the website! Might be worth looking into! Check it out and let us know what you think.
Our faithful follower Kari just reminded me that at Meijer this week Aunt Millies Whole Grain White Bread is Buy One Get One Free – if you have WIC you can get 4 loaves per voucher instead of just two! Thanks again Kari for pointing this out!
Many have asked me and I have tried to explain, but this article which was recently published in the Dayton Daily News, whom picked it up from Coupon Sherpa explains it well!
The Lifespan of a Coupon
Coupons never seem to be in short supply. They come in the mail, in the newspaper and they’ve even moved online. I can barely keep track of mine as they somehow seem to wind up all over the house. With millions of coupons floating around, how do stores ever keep track of them all?
Well, handing the coupon over to the cashier is just the first step in the surprisingly complex life of a coupon.
1. Coupons = Cash
As far as the stores are concerned, coupons are as good as cash. At the end of the day when the stores balance the registers, the coupons are added up with the rest of the cash.
2. The Journey Begins
After the coupons have been used to balance the register, all of the coupons in the store are collected and mailed to the store’s corporate headquarters. At the corporate headquarters, coupons from all of the individual stores are grouped together.
3. The Clearinghouse
Major grocery store chains like Kroger can receive millions of dollars worth of coupons in just a week, so to them coupons mean big money.
Once the corporate headquarters gathers all of the coupons, they’re sent to a third party clearinghouse. In some cases, there are so many coupons that one clearinghouse will have to hire another just to deal with the volume.
4. The Sorting
If you’re the type of person who loves to organize and sort things, you may want to consider a job in a coupon clearinghouse.
Once the coupons arrive at the clearinghouse, they have to get sorted. A conveyer system scans as many of the bar codes as possible, but there are still hundreds of thousands of coupons that don’t get scanned because they’re damaged. Coupons that don’t scan have to be sorted and added by hand.
5. The Total
Finding out how much money you owe can make anyone a little testy. Sometimes when the numbers come in, things can get a little heated in the coupon business.
After the clearinghouse has counted all the coupons, they send an invoice to the manufacturer of the products for which the coupons were used. Manufacturers can challenge the coupon count if they feel there are a significant number of fake or copied coupons. Sometimes, manufacturers will do their own count in-house just to check for fraud.
6. Where’s the Money?
This is a question we have all asked at some point: “How do I get paid?”
A common misconception is that stores are losing money on coupons. While they accept coupons initially as cash, stores are paid by the manufacturer after all of the sorting is done. Manufacturers will either pay the stores directly or the clearinghouse will pay the stores and the manufacturer pays the clearinghouse. No matter what, the stores get their money. In addition, merchants are typically reimbursed $0.08 per coupon for the handling process required to get the coupons counted.
Marsh Fresh Idea Card
With the Marsh Fresh Idea Card you can experience instant in-store savings, and rewards such as automatic entries into sweepstakes. When you scan your card at the cash register after shopping, you also may become eligible for savings certificates mailed to you at different times throughout the year. Marsh also has Fresh Ideas for Education. This is a program that will allow your child’s school to earn free education, technological and extracurricular equipment for your schools. You can easily contribute to your children’s school without selling anything if you sign up for this program. There are certain dates that you must sign up by each year. Inquire at your local Marsh store or visit Marsh at www.marsh.net.
HAPPY COUPONING!!!
It’s officially spring and time to clean up the finances for a new year.
1. Check your credit – Check your scoree free here.
2. Review your household budget - Mint.com is a wonderful free service with a lot of resources
3. Review your insurance coverage – make sure you have adequate coverage – shop around to see how your current coverage rates among competitors.
HAPPY SAVINGS!!!
Meijer 1 Card/Community Rewards
Meijer has the Meijer 1 Card/Community Rewards Card. You can easily earn rewards for your designated organizations when you pay with cash, a PIN based debit card or a link Meijer Credit Card. Your organization (either a church or school) will receive 0.5 to 1% for your purchases made at Meijer. This includes groceries, toys, home fashions, jewelry, gas, car wash, C-Stop, and Meijer.com purchases. Cardholders can also receive special sales notices. Look into this and get “free money” for your favorite group! To check and see if your favorite organizations are signed up go to http://www.meijer.com/rewards If your organization isn’t signed up – sign them up!!!
HAPPY COUPONING!!

Here are a few tips to save at the pump:
Drive the speed limit (or slower). The faster you drive, the more fuel you burn. Even slowing down just a few miles per hour can save you a few dollars at each fill up.
Check your tire pressure. When they are underdeflated, they are not only a safety hazard, they make you burn more gasoline.
Don’t top off your tank. When the pump shuts off, just put the handle back and put on your cap. When you do this, the extra can seep out and is just a waste of your money.
Clean out your trunk. Carrying too much extra stuff in your trunk can weigh down your vehicle and make you burn more gasoline.
Shop where you get rewards. Many stores and cards are currently offering rewards to save on fuel when you shop with them. Even $0.05 a gallon is money in your pocket.
So, what are YOU doing to help save on your gasoline consumption? Let us know and we will add to the list.
HAPPY SAVINGS!!!
Kroger Plus Card
Go to www.kroger.com and click on In Store and then Save on Fuel. Kroger has many different Fuel Saver Reward Programs, and it all depends on what area you are in as to what your rewards are. You can earn discounts by using your Kroger Plus card while shopping at Kroger. You must redeem your current months reward by the last day of the following month. Don’t worry about having to keep track of this, it will all be detailed at the bottom of your Kroger receipts. Having a Kroger Plus Card also insures that Kroger has your address and can send you coupons.
HAPPY COUPONING!!
Once you start gathering coupons, you will want to get them organized in a way that you can locate them when you need them. There is nothing more upsetting than knowing you have a coupon and not being able to locate it until after it has expired. Yes, I am speaking from experience.
But, before we get to organizing – the #1 rule is to put your name and either phone number or address or both on whatever it is you use to organize your coupons in. This way if you happen to leave them behind somewhere you may just get them back. Many have spent countless hours working on getting their coupons organized only to leave them behind in a cart or something and never to see them again. Put your name and address/phone number on them!!!!
There are several different ways to organize them, but you have to find the best way that works for you personally as each person is different in what they prefer. If your first method doesn’t work, don’t give up! Try out a different method of organization and see if that works, if not, keep working at it until you find what works for you. Honestly, I have tried a few different ways, and eventually found what works best for me. This doesn’t mean I don’t occasionally add to it and update it now and then. For instance – I used to have a category for film. Well, I can’t tell you the last time I saw a coupon for film as in photography film, so I got rid of that category when I realized this was the case. When I started using coupons there was no such thing as water filtration systems, or the coupons to go with them. Now I find coupons for these every few weeks, so I had to create a category for Water supplies. I guess you could say my coupon system changes with the times!
Like I said, there is no best way to organize. Different methods work for different people. I will tell you about a few different methods below.
Do you want to clip your coupons prior to needing them or not?
If you want to clip your coupons ahead of time, you need to file them in a manner that you can recall down the road. First you need to keep them in something.
Accordion Check File – You can find these at a dollar store, usually in the Target Dollar Spot, etc. Don’t spend more than a few bucks on these. They are less than $5 at most locations. I would go with plastic over cardboard, there are even fabric ones out there.
Index Card file box (or something similar) – Many create their own system with an index card file box, empty diaper wipe container, etc. You can easily create your own categories with file tabs and a little handy work.
Shoe box – Some move up from either one or both of the above to a box similar to a shoe box. You can find plastic shoe boxes in the organization dept at most stores such as Wal-mart. Again, under $5 is the typical price.
Binder Method – Some chose to clip all of their coupons and put them inside trading card holders (for baseball cards, etc) and then into a 3 ring binder. I have tried this method twice and failed at it, but others seem to love it!
Some different methods of filing include:
Filing by store aisles (I feel this is limiting as I shop more than one store, but others love it)
Filing alphabetically by brand name
Filing by category- This is my preferred method and what I currently use.
A list of possible categories include:
Baby Items
Baking
Bread Items
Canned Foods
Cereals
Cleaners/Soaps
Coffee/Tea/ Nondairy creamer
Crackers/Snacks
Dairy Products
Dressings
Frozen Foods
Jelly/Peanut Butter
Juices/Kool-Aid
Meats
Paper/Plastic
Pasta/Rice
Prepared Meals
Produce
Pet Products
Sauces/Spices
Soft Drinks/ Water
Soups
Toiletries
Miscellaneous
I recommend taking envelopes, writing the above descriptions on them and then using clear packaging tape to reinforce them (this will allow them to last much longer). I cut the top of the envelope off even with the container I am keeping them in. As your coupon collection grows you may want to add additional envelopes. For example, in the baking category you may want to break that down even farther and have an envelope for Duncan Hines, Pillsbury and Betty Crocker, along with a 4th envelope that would just have all your other baking coupons. For Pets you may want to break it down between Cat Food, Dog Food and Litter. I divide all of the categories by cardboard tabs that I made myself and stapled hanging file tabs to.
If you would rather not cut out your coupons until you need them you can file them by insert date and type. There are about 4 different insert names, Smart Source, Red Plum, Proctor & Gamble as well as General Mills. You won’t get them all each week, but you do need to keep track of them. To do this you simply take each weeks insert and write the date that it was published on the front (this is in very fine print along the spine of the coupon insert cover). So, for this coming weekend (March 13th) you would have a Smart Source and a Red Plum insert – so on the front of the Smart Source you would write SS 3/13/11 and on the front of the Red Plum insert you would right RP 3/13/11. You can then file the coupons in a file of some sort. When it comes time to find a certain coupon such as Kleenex tissue, you can locate what insert it is in by going to most any coupon database and searching for said coupon. Keep in mind that different regions/areas get different coupons, both product and amounts. For instance I may get a $0.75 coupon off of Crest here in Dayton, but out in San Diego they may get a $1 off Crest coupon or no Crest coupon at all. Some coupons are identical for the entire country, some are completely different. On the ClipShopShare database we try and keep all of the coupons that were in the subscription based Sunday Dayton Daily News. You can find it here. It is updated on a weekly basis.
This method works well if you get multiple copies of the same insert. A drawback to this method is that you won’t have all of your coupons with you when you go shopping. If you find a great deal, you will have to go home and grab all of your coupons and come back to the store. You will also need to determine what you will do with the coupons you print out from the internet or find on products and such. This is why I clip one entire set of coupons from each Sunday paper and file in a file that goes with me to the store. All of the extra inserts that I get from friends and family I file by insert name and date in a file I keep at home. Before I go shopping I cut the extra coupons I need and take to the store with me. If I find a great deal and need multiple coupons, I know just where to find them by going to the coupon database.
Now then, did you put your name and address/phone number on your organized coupons – DO IT NOW!!!!!
I hope this has helped you to come up with a way to organize your coupons. Remember, you can’t be a coupon queen/king over night and you must start slowly. No one becomes an expert from the get go – you learn as you go, make mistakes and move on. Those of us that have been doing this for a while, including myself still make mistakes on occassion when it comes to coupons. It makes me upset, I have been doing this for 8 years, but I remember I have gotten wonderful deals in the past, I move on and forget about it. If your first method of organizing doesn’t work, try another method. And as always, feel free to email me with questions. kim.w@Clipshopshare.com
Have you ever had a cashier argue with you about the stores coupon policy? Well we at ClipShopShare are firm believers of knowing the truth of each stores coupon policies. We suggest that you print them off and carry them with your coupons. Especially with the new Walmart coupon policy just out last week, there are bound to be cashiers that are not up to date, so why not educate as we coupon.
Below are the coupon policies for the stores that have them in our area!
Happy Couponing!!
Meijer Coupon Policy - Scroll to the bottom
CVS does not have an official coupon policy on their website.

You are probably asking, “Where do I get these coupons?” Everywhere!! This is the 1st step to couponing. Obtain multiple copies of coupons if you can, as this will help you to take advantage of good deals and stockpiling when you spot deals.
HAPPY COUPONING!!

What is the number one thing you need when couponing??? Well of course the answer is coupons.
The best way to get coupons is to buy the Dayton Daily News or another larger city paper. Because you are paying for a subscription, you are guaranteed to get all the coupon inserts.
Now I know what you are thinking – the paper costs too much and I don’t read it. Well neither do I but I want those coupons. That is why you have to look for the best deal out there.
I have found that the best deal is when the Dayton Daily News has a booth set up at the local Krogers. They will try to get you to buy the most expensive offer, but just get the Thursday/Sunday subscription in which I only payed $8/month for, that is only $1 per newspaper unlike the newstand price of $1.75. Now that sounds like a great bargain, but wait, there is more. To top it off they usually are offering a $20 Kroger card as well.
HAPPY COUPONING!!

Did you know that just because a store has something on sale and you have a coupon, does not mean you should buy a product. It may still not be the rock bottom price.
For instance – this week at Meijer they have Hillshire Farm rope style smoked sausage on sale for $2. Now how do I know that is the rock bottom price? I actually do know that $2 is the rock bottom price because I keep a price book. Here is how and why…
Go to your favorite store at a non busy time with a small notebook and jot down the prices of your favorite foods and things you buy most often. You should do this for 3-4 weeks, putting the weekly prices next to each other. You will then be able to tell what the lowest price the item has sold for in a month and therefore know when it’s the best price. For instance – I know from my price book that Hillshire Farm rope sausage has sold for $2.50, $2.00, $2.10, and $2.50. THEREFORE, this weeks price of smoke sausage is a great price and I should stock up.
HAPPY SHOPPING!