Minimalist Couponing

Tomorrow morning (Wednesday the 28th), I have the pleasure of being a live guest on the Money Train radio program with Chris Gaddis out of WIOX 91.3 FM Roxbury. You can listen to it at www.wioxradio.org.

The radio program starts at 9:30 AM EST (6:30 PST for me!), which means I’ll be making a cup of coffee at about 6:00 AM!

The Money Train is an hour long talk radio show that covers all things finance. Past guests include Man vs. Debt, Bargain Babe, Get Rich Slowly, and 5 Dollar Dinners. You can listen to all his past shows up at his site, ChrisJGaddis.com. Tomorrow, I’ll be talking about easier ways for using coupons.

Now, if you’re not an early riser? Rest assured, I’ll have the MP3 version available up on the site shortly afterwards.

Photo credit Kris Peterson

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In May, I launched a series entitled minimalist couponing. In case you missed it, you may want to go back and read the previous posts:

Today I want to finallly complete this series by sharing a few easy ideas I have up my sleeve for finding the deals you need – fast.

Tip #1: Google Reader

Have you ever tried using Google Reader? From your Reader account, you can subscribe to multiple blogs and view the content in one place. Here’s a snapshot of how mine looks:

Aggregating your blogs this way can help you save time in a couple ways:

  1. You can now get a “quick glance” of the deals bloggers are posting in a few minutes as opposed to visiting each blog and scrolling through. Just click through to the deals that matter most to you. Or “star” them for later.
  2. You can now easily search for deals you need. This is what I personally do! I like to follow lots of blogs in my reader for this reason. It ups the chances I’ll find a deal I need.

For instance, let’s say I need diapers….


I can quickly type it in the search field. After hitting enter…

I found several blogs who had featured diaper deals by doing this. I can also see how recent the deal is, and in what context the word “diaper” was used. It’s at this point I can make a decision which blog has the deal most like the one I’m after and click through.

Tip #2: Cash Back Sites

If you’re about to make an online purchase, I recommend you check out a cash back site such as Shop at Home or Ebates. The way these sites work is simple. You set up a free account, then search for the store you want to shop at.

For instance, let’s suppose I start at Shop at Home and search for Snapfish, I get this screen.

Cash back sites will help you two ways:

  1. They will share coupon codes with you to use at checkout.
  2. They will give you cash back – paid out usually quarterly into your PayPal account. (For more information, read my post on how cash back sites work.)

Even if you don’t have much time on your hands, just shopping through a cash back site can help earn you money back!

Tip #3: Find a few good blogs

Take some time to be deliberate in selecting quality blogs to follow that will provide you deals in tune to what you like to buy.

A good place to start is to find bloggers that provide regular deals for stores you shop at. If you’re stumped where to begin, can I recommend The Grocery Gathering? You can search for deals either by store, or by state:

This is probably THE biggest time saver when finding deals. Many bloggers, myself included, spend hours finding the deals so you don’t have to. Find out who blogs about the stores you shop at to save time!

Tip #4: Facebook and Manufacturer’s Websites

My final tip is a pretty simple one. If you’re looking for a deal on a particular brand, why not head to their Facebook page or website?

Tillamook rarely puts out coupons in the inserts – but I look at the tab up on their Facebook page right now!

So there you have it: minimalist couponing. I want you to remember that whether you are an avid coupon user, or an occasional one, you are absolutely welcome here! I personally believe their is value in placing importance on your time and hope that no matter how you choose to use those coupons, you’ll consider that as you chase down the deals. I hope that this series has proven to be helpful to you!

I would love to hear your thoughts on how you save time in your journey to use coupons, stockpile, or find the deals.

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This month I’ve been working on sharing a method of couponing I’d like to call minimalist couponing. The goal is to place a strong emphasis on saving time and still make a meaningful dent in your grocery budget. So far we’ve talked about simple ways to organize your coupons and why you should still stockpile under this method.

Today I’d like to continue this series by sharing my thoughts on how you could save time on your shopping trips.

Setting your Weekly Menu

You will save money if you did nothing more than make a great shopping plan. After all, impulse purchases can really add up. In trying to do some research, I found several different statistics on impulse shopping, with most sites suggesting that between 20-40% of all grocery purchases are made on impulse. This seems to me a very easy way to start saving money right off the bat!

Ideally, your shopping plan should take into consideration not just the deals you want to get that week, but also what meals you want to make. Here’s one thing that I’ve done that has helped: a put together a family recipe binder.

The thinking behind this was simple. I was getting tired of week after week trying to figure out what to make. So I decided to take the time to write a list of about 20-30 of my family’s favorite meals and assemble some often-cooked recipes in ONE place. While it did take a little bit of time to assemble this, it may be time well spent later when you go to make your weekly menu and shopping lists.

Plan your Menu Based on Seasonal Deals

If you’ve tracked your savings for any length of time, you may well have noticed that a very sizeable portion of your savings comes from buying items on sale. These sales or store promotions often coincide with the seasons.

If it’s early May? I’d be making enchiladas and tacos (Cinco de Mayo promotions). In the summer? More BBQs (summer food promotions). In late fall? I’m more apt to make crockpot chili (canned food promotions).

The idea here is to scan the ads or deal posts for general sales themes for the week, consider your family recipe book, and incorporate a few meals that make the most of the weekly deals to your list.

Incidentally, this has an added benefit when it comes to produce. Buying your produce in season means you’re likely to get a higher nutritional value as well as a price break! (And there’s another thought for you – plan your meals around produce, not just meat!)

Limiting your Trips

One of the primary objections I hear from couponers is this: I just don’t have time to drive to 4-5 stores each week.

Guess what? I don’t either. So let’s talk some options you have for streamlining your shopping.

1. Always start with a list. I’ve worked hard to help you here, too. You may have noticed my new deal posts include a “click & print” feature (check out Albertsons for example). All you have to do is select the items you want to buy, and hit “print my list” when you’re done. Then, gather the coupons as indicated in the posts. You can also download these very stylish shopping forms to build your own lists. My pal Kelly worked with me on designing these for couponers.

Once I have my lists printed and coupons ready to go, I put them in this small organizer that I carry at the store. I have a section for each store I shop at, and helps keep things speedy while shopping and at checkout.

2. Shop ONE day a week. Pick one day each week to do your shopping. I recommend keeping it to 1 or 2 stores. I personally find shopping 2 stores is most helpful for the best savings. I might hit up a store like Albertsons or QFC just for promotional items, and then finish up at a store like WinCo to get the rest of the items I need for my meals that week. Or, you might do a drugstore for some toiletry items and then head to the Farmer’s Market for fresh produce and eggs. Ideally, you will have your lists and coupons clipped and ready and do the shopping in ONE trip.

3. Shop once per month. If you’re even more committed to shopping less, consider shopping once per month. This will require a greater time commitment of planning at the front end of each month, but you will undoubtedly save money by avoiding middle-of-the-week trips and impulse buys. You will also be free of having to shop for anything other than perishables (produce, dairy, etc.) for the remainder of the month.

4. Consider pre-ordering for stockpiling. If you’re getting tired of driving across town only to find the stock has been cleared, I encourage you to call your stores and see if you can pre-order. I was able to do this over the phone before with my local Albertsons. Not only is this a really courteous way to shop, it also saves you time and frustration.

5. Avoid trips for one item or deal. Fellow blogger Melody recently left a fabulous comment on my blog. She said that she often gets burned when she heads to the store for one deal. I would complete agree with her! Try to avoid this, unless the deal is so beneficial to your stockpile that you find it necessary. She also shared this idea: suppose your coupon will yield a freebie at Rite Aid or a $0.50 item at Fred Meyer. Opt for Fred Meyer. You are for more likely to get the stock you need and avoid a fruitless, frustration outing.

6. Stick to the same stores. You can streamline this even further by deciding to stick to the same 1 or 2 stores each week. While you may miss out the deals at other stores, chances are you can learn to become really good about finding the savings at the stores you’ve selected! For instance, you can learn when meat markdowns are made, where the clearance items are stored, who the produce manager is and if you can make an offer on the nearly-rotten bananas for your smoothies. You get the idea.

Final Word: You WILL Miss Deals (but It’s alright!)

This is the part where I remind you that this method may or may not be for everyone. The truth is if you’ve worked to streamline your trips down, you will miss deals. There are deals at lots of stores lots of days of the week.

But if your goal is to value your time saved over money, then you are not going to let your stomach go in knots wondering about the Excedrin sale or Juicy Juice moneymaker deal you missed, OK? Here is what you are doing to remind yourself:

  1. That you are saving money by avoiding impulse purchases.
  2. That you are saving money by eliminating smaller, unnecessary shopping trips. (Not to mention gas!)
  3. That you are saving money by shopping sales.
  4. That most of all, you are saving your very valuable time!

Next week I will be concluding this series by sharing how to find deals quickly and without losing your mind.

How else have you improved your shopping strategies in an effort to save time?

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Pictured above: the better part of my toiletry stockpile.

This month, I’m focusing on sharing a method of couponing not often shared about: minimalist couponing. The idea is to devise a way to save the most amount time possible in the process of saving money. If you missed the earlier posts,you might want to go back and read the introduction and organizing coupons.

“Oh Phew! So I don’t have to stockpile!”

Wrong. Wrong. And triple wrong.

I don’t think it’s possible to achieve the goal of saving time and avoiding stockpile. It doesn’t make sense. When done properly, stockpiling will save you time by:

  • Giving you last-minute meal options right from your pantry.
  • Eliminating annoying little trips to the store for toothpaste or pasta.
  • Potentially, giving you the option to skip a week from shopping altogether.

Stockpiling will help you save time in the long run. And let’s not forget this is still a method of couponing, where the ultimate goal is to avoid paying full price. This means the principle of buying items when they are at low prices and using coupons still applies. Take stockpiling away, and you run the very high risk of having to pay full price.

Stockpiling done simple

So now that I’ve convinced you why you need to stockpile, let me share a few ideas for how this could work with a minimalist couponing approach.

Idea #1. Limit your efforts. In my post earlier this week on avoiding coupon burnout, I suggest ways to keep it simple. For instance, you might pick just ONE or TWO deals for the week (and maybe at ONE or TWO stores) and work on stockpiling them. Here’s thought: pasta is free this week at Albertsons. Maybe you pick up a few boxes. Seriously, how much extra time is that going to take? Get over the idea that stockpiling is going to take up some crazy amount of time! I think I could grab 4 boxes of pasta off the shelf in about 4 seconds vs grabbing 1 box of pasta in 1 second.

Idea #2. Pre-order. Tired of wasting your time only to see a cleared shelf? Call your store! Now that you know Albertsons is having a pasta sale and you think you’d like 20 boxes, why not give them a call? My Albertsons told me they place three orders over the course of one ad week. This might save some time and headache for you.

Idea #3. Give yourself one task. Similar to idea #1, give yourself a single mission in starting out. Maybe it’s building items for your emergency stockpile, or acquiring toiletry items. Instead of getting overwhelmed, focus your efforts on one area at a time.

Idea #4. Get out that sharpie! For those of you that are concerned about expiration dates, why not get out the Sharpie as soon as you get home? Mark the dates in big writing on any cans or boxes so you can easily rotate your stock.

Idea #5. Make use of this blog! If you shop at the stores I write about, I’ve done a LOT of the work for you. Just look at my store lists, and identify a couple deals that interest you for the week, gather the coupons, and add them to your grocery list. Viola.

Idea #6. Sometimes “stockpiling” may mean tacking on a single item to your trip. When there is a razor deal, I sometimes buy one. Yes, just one. I know razor deals are plentiful, so to “stock up” on them, I only need to buy one maybe every third trip, if that. Same with toothpaste. When I started out, I realized there were toothpaste deals almost EVERY week. Stocking up on something like this becomes very easy. Just wait for a deal, and add a single tube to your list. Do this for about a month or two, and viola. You’re good for a year or better.

Most of the items pictured above were purchased using this strategy. Just adding an extra body wash or two to a trip, a tube of toothpaste, a razor, etc. Stockpiling can be much more normal than you think! (Except the savings you get are completely abnormal - which is good!)

Finally, remember that stockpiling can be done slowly over time and without breaking the bank. And it should not tack on huge amounts of time to planning your trip or shopping time.

How have you been able to save time with stockpiling? Either in acquiring items for your stockpile, or benefiting from having one?

Next week: streamlining the store shopping process….

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Last week I announced a new series for the month of May called Minimalist Couponing. Today I’d like to jump in.

As a reminder, the purpose of this series is to put a strong emphasis on saving time in the process of saving money. So some of the tips and advice you’ll find in the interest of this series might differ from what I’ve said in the past in the best way to use coupons. For this particular series, the goal will be how to shave off the most time possible.

Collecting your Coupons

The best way to collect coupons? Subscribe to the paper! This will save you money because you’re not driving to the store or anywhere else to get your coupons. They’ll be on your doorstep come Sunday morning. I highly recommend this TNT offer if you’re local (it’s just $1 a copy when you order 3+ copies of the Sunday paper). In most cases, a multi-Sunday paper subscription will also be a cost savings over the newsstand price.

While there may be ways you can get coupons for less or even free (such as getting a copy from the library, collecting from friends and family, etc.), these will all involve more time and effort.

When it comes to printable coupons, think about designating a time for printing them. Maybe it’s Sunday, when you receive your papers. Or perhaps you do this when you sit down to plan your lists. The idea here is consolidating your time and efforts.

Keeping Organized

The fastest way to organize your coupons is to simply file by insert. So instead of doing any clipping you just put them in folders or some tidy system, like this:

I just found some cheap $0.09 folders at Walgreens (Back to School season) and assigned one for each week. So when I get my 5/1 inserts, they go in their own folder, and 5/8 inserts go into another folder.

When it’s time to retrieve the coupons, I can use an online coupon database. You’ll also note that in my store matchups, I’ll tell you where the coupons are. For instance, in my Fred Meyer matchup post, I told you to use the $1 off Kettle TIAS! coupon you want is found in the 5/1 Red Plum. If you have your coupons organized in the file system above, you can easily go to the 5/1 folder, locate the coupon and clip it for your trip.

If saving time is a priority for you, you’ll have to find a way to get organized and stay organized.

Pictured above is my small coupon sorter that I take with me to the stores. You might find something like this (look at your local Office store or Target). Something like this would be perfect for carrying your freshly clipped coupons to the store. You could also designate an organizer like this for the place your free coupons, store coupons, and Facebook coupons are always going to go.

My best advice for saving time and effort when it comes to being organized is find a process and stick with it. If you get your coupons sent to your home, take 10 minutes out of your day Sunday to sort the inserts. When you get your mail each day, immediately cut out any coupons and put them in your organizer. Don’t let it pile up.

Why Keeping Organized Matters

Will it take a little bit of time to get create a way to stay organized? Yes, it will. But taking an hour or two to setting up your coupon folders or buying an organizer or two may save you a lot of time and money in the long run.

When you go to plan your trips, you won’t be wasting time looking for coupons. You’ll know where they are!

Up next for this series (next Wednesday): saving time on your shopping trips.

How else do you save time when it comes to collecting and organizing your coupons?

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I’ve gotten a fair amount of comments like these lately:

I really want to learn to use coupons, but I have no time. How can I save money too?

The truth is it does take time to gather coupons, organize them, plan trips, and shop. And if you read blogs like mine long enough, your head may start to spin with all the deals. So what can be done?

This month, I’d like to embark on a series I’ve not yet seen elsewhere: Minimalist Couponing. Each Wednesday in May, I’ll tackle another component of this method that places an emphasis on time over money.

Approaches to Couponing: a continuum

In thinking about the different ways people use coupons, I thought I’d put a visual together.

At the far left of the spectrum, you’re not doing anything. You’re going to the store, buying whatever you need and not paying attention to sales or coupons. As you move down the spectrum, your savings will increase, but so will your time output to get there.

Minimalist Couponing. This is the method I’ll be focusing on for May. My goal is to teach you how to save money using coupons with the least time involved. This means that your savings rate might not be as high as someone who devotes much more time to it, but you will still be saving substantially over the “not doing anything” category. The goal is to equally value your time and money.

Common Sense Couponing. This is the method I generally teach and advocate on the blog. With this approach, you’ll probably spend a couple hours a week or so clipping and organizing coupons and doing your shopping. You may shop at 2-3 stores during the week, and maybe more if there is a really good sale to be had. The goal is a well-rounded stockpile.

Extreme Couponing. At the far end of the spectrum, is the sensational sort of couponing you’re apt to see on TV and that very few people truly practice on a regular basis. This approach to couponing involves many hours of planning, often buying coupons on eBay or from a clipping service, and acquiring a very large stockpile. While the savings rate may be high, the time involved is also high.

Minimalist Couponing: Who is this for?

This series won’t be for everyone, so let me state that up front. But I believe it will be for an often overlooked group of people that want to save money.

You might want to follow this series if:

  • You believe your time is as important as your money, but you still want to follow a budget.
  • You want to eliminate middle-of-the-week shopping trips.
  • You aren’t very concerned about getting the highest savings possible.
  • You are frustrated with the time involved in using coupons or feel something isn’t working for you.
  • You are tired about feeling bad about not “saving as much” as someone else.

I want you to know that whether you save 90% on your shopping trips or 5%, you are WELCOME here. I believe we all save for different reasons, and I believe every $1 saved is a good thing. I hope that this series will resonate with some of you and help you make a meaningful difference in your grocery budget!

What’s next for this series? I plan on discussing coupon gathering, organization, trip planning/shopping strategies, and deal finding. If there are specific questions/topics related to this series you’d like to see, please leave a comment.

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