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hotcouponworld asked:

way to organize coupons if you have tons of coupons and lots of multiples. Plus, with all the extra storage, store pens, paper clips, store shopping cards and more – anything you need to take with you to the store to keep you organized and saving money with coupons. … Hotcouponworld “Hot Coupon World” HCW coupons “coupon organization” “Tool Box Method” “couponing 101″ organization “smart shopping” “saving money” recession economy grocery groceries rebates “frugal living” www.hotcouponworld.com …

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laura d asked:


I am not too good with computers, please use small words Also, how much does it cost? I will post info about coupons, deals, and have a place for people to post. Thanks!

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Tima.ashar asked:


Online coupon books give discounts on a range of goods and services right over the Internet. This not only saves valuable money, but also makes you purchase the products you always wished to purchase but couldn’t.

There are a number of online sites that deal exclusively with discount coupon books. They cater to solely to the market in these books, and provide a number of tools, services, and resources to help users search and use the right coupons.

If you have decided to use online discount books, there are a number of tips to keep in mind while surfing for coupons. These are as follows.



You may not be able to locate the right discount coupon for your product. This should not discourage you, as new offers and deals keep coming out regularly. Try subscribing to newsletters to keep yourself informed.



The basic rule of market shopping applies to online shopping as well. Surf various sites to know who is offering lower prices or higher discounts for the same product.



There may be hidden costs like shipping associated with the product. Knowing these will help you make better decisions.



Since the world of marketing is always on the look out for customers who are doing shopping in the market, it is a wise policy to create a new email account and use it on online stores.



Internet allows us to know the product features and other details before we purchase them. Do not stick only to the reviews found on the parent website. Try searching on the product to know what others are saying.



For more information on discount coupon books visit – Discount coupon books

The author is a freelance writer associated with http://www.coupon-book.net



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mommy_2_little_man asked:


Does anyone have any good tips on being frugal? I am trying to stop spending as much money when I go grocery shopping for instnace however I always seem to be a little over every time I go. I use coupons and generally buy stuff on sale. I am a bargain shopper most of the time but it seems like everything keeps getting more expensive! I’ll take any tips about being frugal and it doesn’t just have to be about grocery shopping. Anything you can think of…. Please not “stop spending money” responses

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RBQ asked:


dish soap was one. about 10 yrs ago, they started “improving their product”. i noticed when all there was ,was ultra & flavors etc. i complained to the company. they sent me coupons for the very products i disliked. i’ve been patient, but now i’m ready to jump ship. please advise me as to the dish soap i should try, so i don’t have to buy a dozen just to check them out. please keep in mind, i’m not crazy about it smelling like something to eat or bubble-bath in. thanx!

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A. Annika Smith asked:


Here’s the thing: I’m a New Yorker. And in New York, it is amazingly difficult NOT to spend a lot of money, just on the basics! As a student of Harv Eker, I am trying to limit my expenses to 50% of my after-tax income, and I have to tell you, that is really hard to do. Harv isn’t the only one to suggest this either: almost every money-management guru gives the same advice. Simplify your expenses.

The fact is, if you want to become financially free, you must do two things: increase your passive income and decrease your expenses. Once your passive income is equal to or greater than your expenses, you are financially free. The concept is simple enough — and in other articles I address creating passive income (the easiest and fastest way to do this would be by renting your rooms). But how do you simplify your expenses? Especially when you look around and you don’t see a way HOW? Here are a variety of ways you can still live a decent life and be a bit more frugal at the same time.

Food & Toiletries



By far, making lunch at home was one of my biggest savings! I made lunch and snacks and bought them to work.

Instead of buying shower gel, go back to soap bars. They last longer and are much cheaper.

Don’t wash your hair every day, and when you do wash your hair, only wash it once. That saves lots of shampoo.

I made my own coffee at home — or cut it out altogether and put that money aside in your financial freedom jar. One guru calls that the “latte factor.”

As a nation, we eat out a whole lot more and buy convenience foods to just heat in the microwave — but these can be expensive. Cooking may take time, but it does save you lots of money.

Buy generic! I was so opposed to this, and one day I ate some potato chips that my boyfriend bought. Seriously? They didn’t taste different from the name brand. Try it. Ok, some things may be non-negotiable, but you’d be surprised what is. Your grocery bill will go way down.

Take the effort to cut coupons, take advantage of sales, and go to discount warehouses, like Sam’s Club or Costco.



Heat & Electricity



If you don’t already have one, get an electric thermostat with a timer, so you can change the temperature automatically during specific times of the day. Lower the temperature when the family is out of the house.

Use space heaters and lower the heat in the rooms you use. Use an electric blanket at night.

There is plastic covering you can get at the hardware store and cover your windows. That keeps the heat in the house.

Make sure your boiler and hot water heater are maintained properly.

Wear layers of clothing and keep the heat lower.

Use kitchen and bathroom vents sparingly in the winter

Replace regular light bulbs with compact fluorescents

Wash laundry in cold or warm instead of hot

Use a clothesline instead of using the dryer

Use a ceiling fan instead of an air conditioner.



Cell Phones, Internet, and Communication Utilities



Avoid pre-paid cell phones, even if you just want the phone for emergencies, unless you are careful to use a plan with minutes that don’t expire. You pay exorbitant rates per minute.

Never underestimate the minutes your teen may use. Be careful not to get the lowest plan. Constant overages are very expensive overall.

You don’t necessarily need a home phone if you have a cell phone. With free nights, weekends and long distance, you may save considerably. Be careful with phone plans that have low rates, because the taxes add significantly to the bill.

For your Internet connection, you don’t have to get the highest rate of connection speed. For the average user, you won’t be able to tell the difference and that can save you $20 a month.

If you switch to broadband, don’t keep your dialup (unless you travel often outside the country or in rural areas). Also, drop paying for AOL. All AOL features are free if you have broadband.



Entertainment

If you really wanted to be extreme about it, you could cut entertainment out altogether. But that’s not really practical, so here are some ideas.



First, if you think FREE, you may not get free, but you do end up with “cheap.” Cheap doesn’t mean less fun, either. Sometimes you can have MORE fun.

If you live in a city, just try walking around. In New York, I have found impromptu concerts by street musicians or just sat in the park and people watched. You’d be amazed how much fun you can have!

Instead of eating out or going to bars with friends, host a potluck at home or just have friends over for drinks. It’s much cheaper to buy liquor than to buy drinks at the bar.

For movies, go to matinees or the $2 movie (some communities have them). Yes, those movies are second-run, but hey, it’s worth financial freedom to me. You can also always rent movies.

Cable. When times are tough, the cable needs to get going. It can get so expensive! If you do need it for the reception, get basic and then rent movies. Buying a great DVD player and renting movies is cheaper than cable in the long run. If you rent rooms in your home like I do, keep the cable — it’s a perk for your tenants that are worth paying for.

Take your kids to the bookstore and hang out.

Find free community shows, like Shakespeare in the park or fireworks.

Take the kids on the subway trip — as far as you can and go explore. In New York, take the train to Coney Island.

In the summer, there is always a local food festival or street fair.

Get your kids involved in a community group, like a theatre. They develop skills, make friends and have fun.



Clothing



For kids, don’t go over the top with the brand names, especially since the kids will grow out of them quickly.

For adults and older teens, don’t buy really trendy clothes that will only last one season. Buy classical fashionable clothing that will last, and get trendy with accessories.

Buy shirts and ties or blouses and just one suit — accessorizing is cheaper.

Buy a few pieces of quality clothing as opposed to lots of cheap clothing. They will last a lot longer.

This goes without saying, but buy clothing in the off-season and on sale. You will save a tone of money.



Transportation



A gas saving tip I just learned: put your car in cruise control whenever you can. It has cut my gas bill in HALF.

If you live in a metropolitan area, try walking around the city as opposed to taking a bus or a train. In New York, you can even get there faster sometimes!

Maintain your car — tire pressure, oil changes, everything. Preventative maintenance is way cheaper than repairs.

Never use cheap gas – use quality gas and the correct octane for your car. It may seem more expensive, but it’s cheaper in car repairs in the long run.

Don’t be afraid to walk, even in the winter. It’s great exercise and it saves a ton of money. Bring a backpack with you for grocery shopping if you need only a couple of things.



The Change Jar

I have a change jar. Every time I pay for something, I always use bills and get the change. I put the change in the jar. You wouldn’t believe how much money you can save! This money could be entertainment money, allowance for the kids, put it in a savings account or saved for emergencies. This change jar has saved my butt many times over the years, and is a great way to have “found” money at the end of the month.



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Joe Mueller asked:


Shopping, especially grocery shopping can be no fun. Getting your list ready can be a hazel in and of itself let alone the coupon cutting, line waiting, child screening, spill on aisle 7 avoiding craziness the supermarkets can be. It was high time fellow shoppers took action to help each other out and brighten the mood at these haunts.

There is a very simple way that you could do this: as you go through the torture of cutting out your own coupons take the chance to cut out additional coupons of those products that you always see people buying that you never happen to buy. This could be the female razor that is simply too feminine for your chiseled chin. Or it could be that Axe body spray that you simply don’t want females all over because you don’t play for the other team. The product itself doesn’t matter. What matters is that you don’t buy it but others do.

You take these coupons with you to the store in your messy pile of coupons that you have to dig through. Better yet you put them in their own specially marked envelop so that you don’t complicate your own situation. Having them handy is the key.

Then as you walk through the store you place the coupons near the products that they are for like a human, coupon-laying Easter bunny. Then, as some person who actually wants the item walks up they will have a pleasant surprise as they realize that not only do they get a delicious cup-o-noodles but they also get a nice $0.50 discount on said noodles. This will increase their happiness to the max. You will also benefit in know that your actions had a direct and positive affect on another human being. The satisfaction will tingle for hours on end.

For those particularly brave and very interested in being strict utilitarians you might want to consider handing the coupons out to individuals rather than leaving them blindly on store aisle and end caps. That way you get that extra boost of happiness by witnessing first hand the joy you bestow on these lucky individuals. This will increase your happiness significantly.

It also might increase the beneficiary’s happiness as well, since humans are very social by nature. You might even start up a conversation and become grocery store friends. Who doesn’t want grocery store friends?

If you are of the opposite sex and find each other attractive for physical, emotional, spiritual, or intellectual reasons you could even start up a romantic relationship after first establishing a solid friendship. Then you could tell your children that they should be frugal too since you met your spouse by being frugal and employing a coupon sharing shopping tip.

Remember, the quality of life of those around can be directly impacted by your actions. If you are loving and kind around them they will benefit and so you will – both in the deep inward satisfaction that will result in you as well as the benefit you will receive in kind from someone looking toward your benefit in the future. Being kind is always rewarding.



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Zacharias Allred asked:  

Coupons are a good way to teach children many life skills. As you know coupons are very plentiful and easily assessable. Merchants use coupons as a way to get consumers to try new products and to bolster customer loyalty. There are many benefits to using coupons while teaching your children. Here are 7 benefits.

1. Frugality. Being frugal is a key to financial prosperity. Teaching your children how to use coupons instills in them the need to be careful with money. Money saved is money earned.

2. Learning colors. The Sunday paper is very colorful and this is where the best coupons are. Your little children will get a better grasp of their colors if they are sitting with you while you thumb through the paper. Name the different colors as you go along.

3. Managing time. Many people use day planners but learning to use them can be cumbersome. If you are clipping coupons you should have an organizer. I have used the little baseball card dividers to keep my different coupons in. Show your children how this works. This will help them learn time management skills.

4. Mathematics. Your children’s math skills will really be enhanced while they learn to use coupons. Teach them to subtract the amount of the coupon from the price of products. Also they can quickly discover what deals are really deals by comparing different offers.

5. Learning to use a calendar. Couponing requires a calendar so consider getting one for each of your children. You can usually find them for free at your bank or credit union. Show your kids how to find the dates on the coupons and then in the calendar. This way your children can help you sort out coupons that are expiring.

6. Let your kids share in the savings. You can really get your kids motivated to help you by letting them share in the savings. You can then let them use their extra money for savings and things they want and need. Coupons can be found in many places and your kids will literally be creating this income for themselves.

7. Variety. Without coupons your meals can become very ordinary. Clipping coupons will expand your menu because you will be trying new products on a regular basis. Children thrive on variety as their minds can never get enough input. Take a chance and buy a few things each month you do not normally buy when you find a coupon for it. Your kids will love this.

Teaching your children with coupons will be a benefit to them and to yourself. Clipping coupons is a labor intensive process. If your kids are helping you then the job will be more enjoyable. Help the smaller ones learn their colors and teach the older ones how to make sure the coupons are really a good deal. Enjoy.

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angelroompatti asked:

this is my sewing room, item aquired over 8 year period, with coupons and sales. the sewing store I am speaking about is Electric Hospital they have

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