Being unemployed, I wanted to participate in some way to the family household finances. I wasn't contributing to income but I could save on what we spent each month. I started looking at the basics - what do we HAVE to consume each month. Mostly food and gas, a night out every now and then, medical and pet care, and time with friends. The last three items were not going to change but the first item, especially food, could be drastically improved.
HOW TO GET STARTED: The first step to saving is to learn your frequently visited store policies. The "hot" stores with the best deals that are the easiest to work with are Harris Teeter, CVS, Kroger, and Publix. We don't have a Publix here but there are a lot of published deals online. Harris Teeter has the best coupon program for a grocery store in our area. Teeter will "match" your coupon up to .99 AND every 6 weeks or so they have something called SUPER DOUBLES where they match coupon face values up to $1.99. Which means if you give them a coupon for $1.50 they will take $3.00 off your item during super doubles week! Kroger will match coupons up to .50. No other stores in my area will match so I typically shop at Teeter and Kroger. Did you know that if Kroger over charges you for an item, they will pay you DOUBLE the price of the item for their mistake! If you're a senior, most stores have a discounted "senior shopping day".
With some good planning, you can structure your shopping to get the best deals and save your dollars for something more interesting than a jar of nuts! Email me or post a comment if you need help getting started.
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