The bottom line? Make a plan for your money at the beginning of the month—on paper and on purpose. Remember: Sticking to a budget is really the only way to save the most money and get the best deal for you and your family.
Check out our free budgeting app, EveryDollar , and start saving! Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since Millions of people have used our financial advice through 22 books including 12 national bestsellers published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners.
Guided Plans. Trusted Pros. Free Tools. What Is Couponing? How Does Couponing Work? Start budgeting with EveryDollar today! About the author Ramsey Solutions. More Articles From Ramsey Solutions. Learn More. Answer a few questions, and we'll create a plan tailored just for you. To find in-store sales, look for digital flyers on grocery store websites. Another resource is Flipp , a free app that provides weekly flyers, deals, and online coupons for over 2, stores.
Flipp has weekly flyers for stores like Aldi, Kroger, and Walmart. You can clip deals you find to the in-app shopping list to help you keep track. Once your virtual or paper shopping list has all the food you need for the week, finish the list with any household essentials you need to restock, like toilet paper or cleaning supplies.
There are several free websites you can use to print paper coupons. These websites include coupon databases and brand websites like:. Between paper and digital coupons, you should find savings on some of the products on your weekly shopping list.
Finally, if you subscribe to a Sunday paper or get coupons and ad flyers in the mail, take a few minutes to scan for coupons you need. If you spot an incredible coupon for a product you buy regularly, you can scoop up a few extra newspapers on discount at a dollar store the following day or look online for the same coupon.
Those are typically based on your specific purchases, so there may be something in there you can use. Others may be percent-off discounts on your total sale price if you spend over a certain amount. Find as many as you can, and remember to check expiration dates so you shop in time to save. Coupons usually provide a percent discount or certain dollar-off amount to let you save.
But if you want to save even more on your weekly grocery haul, you can use cash-back rewards apps to earn rebates for buying certain products. Just like searching for coupons, you can research rebate opportunities before heading to the store to earn cash back for products you were going to buy anyway. Popular rewards apps you can use include:. Sign up for rewards cards at the stores where you shop.
Store rewards cards typically provide shoppers with additional savings in the form of reward points or discounts. Plus, some loyalty programs also send additional coupons in the mail. Reward cards also help you earn more with Ibotta since you can connect cards from retailers like Meijer, Kroger, and Wegmans to your account. Once you connect a card, Ibotta automatically detects whether your purchase qualifies for cash back and pays you. Organize coupons to keep them easily accessible when you shop.
The last thing you want is to miss a coupon when checking out or — even worse— forget your coupons at home.
If you prefer managing everything from your smartphone, you can also use the free SnipSnap app to transform paper coupons into digital ones. Once you snap a picture of a paper coupon, Snip Snap uploads it to its database so you can use it while on the go. The app also tracks expiration dates and sends reminders about expiring coupons. Does your grocer double coupons, price-match, accept competitor coupons, or give rain checks if sale goods are out of stock?
Grocery stores and general retailers like Walmart and Target outline coupon rules on their websites. Things to stay informed about include:. You can get the most out of any coupon when you shop at the stores with the best deals for that product type, such as canned goods or toiletries. That requires paying attention as you shop around.
As you learn this type of information, you can be more selective about where you shop for individual products. For your first few shopping trips, focus on the highest-value coupons, the ones you know are worth using. Combining a coupon with a store sale is a simple way to stack savings. To top it all off, shop with a cash-back credit card to earn even more. The goal of couponing is to find deals whenever possible and get creative to stretch the value of every dollar you spend.
When your coupons exceed the sale price of a product, it produces an overage. However, certain retailers apply overages toward other products in your shopping cart. Walmart and Kroger are two major retailers that apply overages to your cart. She repeats the process a few times. A company called Inmar is one such clearinghouse.
And Mounts said Inmar helps protect the manufacturers against fraud by tracking which coupons are authorized, among other things. According to Inmar, the whole redemption process generally takes four to six weeks from the time the consumer redeems the coupon until the retailer is reimbursed by the manufacturer.
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