Natalie Morales: How one mom saves $25,000 a year with coupons

I come from a family of coupon clippers. As the daughter of a military dad and stay-at-home mom, my family taught me the value of a buck—or in this case, a 55 cent coupon. We never walked into a grocery store without my mom leafing through her coupon book. I still am pretty thrifty—or so I thought before I met Jamie Chase, a mother of two boys from Amesbury, Mass. To see Jamie in action is a real education on saving money. She is able to load up a cart-full of healthy food (not Cheetos or soda, as you might be thinking) and walk out of the store paying next to nothing. Jamie actually teaches a class at a Northern Essex Community College, which I attended, and even though I too have clipped coupons and looked for savings, I learned so much from Jamie that I had to share some of her best tips with you (unfortunately two minutes of TV just isn't enough time to cover it all).

Jamie has gotten it down to a science. She says it now only takes her about 45 minutes a week to look for deals. And she looks everywhere! From promotional circulars, online to even manufacturers websites like P&G. She's done the work for us though, so here are a few of her favorite sites that she checks weekly: redplum.com, couponsource.com, krazycouponlady.com.

Jamie also keeps her coupons in order in a binder by expiration date. She also doesn't like to clip them because that's how she says you lose them or forget to use them. She'll only clip them on the day she plans to use them.


Prior to heading to the store, Jamie will check the promotional/store flyers and combine them with coupons for the greatest savings. One thing I couldn't help but noticing, unlike most of us, she sticks to her list. She knows exactly what she is buying and will have a coupon for just about everything before she even walks into the store.

At the register, Jamie tops off her savings with CATS— those are the coupons that come out after your receipt at the register. If you're a loyal customer, sometimes you get a $10 off your next grocery bill. That's like hitting the jackpot for Jamie.

Another really important tip, and perhaps the best advice of all: Find a coupon buddy. Jamie and her friends keep each other aware of good deals—they exchange coupons for items others may want and have formed a couponing community.

Jamie also is a loyal customer. When she and her family find a product they like—Cedars Hummus, for example— she emails the company telling them she loves their product, and that usually that leads to more coupons and sometimes even coupons for a freebie or two.

Now you may be thinking, “That's great, just hope I'm not stuck behind her at checkout...” Well, Jamie has tips there too. She usually shops during slow times during the week, and she will warn the store she has lots of coupons. They'll often open a separate register. In fact, couponing has become so popular (usage is up 27 percent from 2008 to 2009) that most stores (grocery or drug store) are very accommodating to coupon users. Retailers encourage coupon use because they get paid a little extra by the manufacturers for the coupon's value.

In the three years since Jamie started couponing, she now is saving the family about $25,000 a year—and that's after tax savings. She didn't do it so much out of necessity, but because she was being smart and thrifty. Now her husband has decided to take a teaching job that he wanted because, with all that Jamie is adding to the family's income, he can.

The lesson learned is this: Couponing has never been easier, so why not save money where you can? Even the iPhone has an app for coupons where you can pull up the ones you want at the register and they'll scan the barcode...no more paper coupon! Incredible.

I decided to put Jamie's methods into practice, and though I still wound up spending quite a bit, I managed to save $67 on my last grocery bill. Not bad for a beginner—and that's savings you can take straight to the bank.

Video: New coupon demographic opts for discounts on demand

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Discuss this post

I'm new at couponing, I'm usually feeling good just to bring a few dollars in savings to each shopping trip, so yesterday when I went to my local supercenter with $15 worth of savings, I was feeling pretty proud of myself. I told the clerk I had coupons and laid them in plain sight. Once she finished scanning all my groceries, she quickly pressed the total button before I could "remind" her that I had coupons. She said it was too late for her to be able to do anything about it - I told her I still wanted to use them - she asked a manager what to do - they told her to tell me that I would need to go to customer service to redeem. With frozen groceries and a clock ticking away (needed to pick up kids at school), I headed to the customer service line to find about 10 people in line. While waiting in line, a manager walked by and noticed my full, bagged cart and coupons in hand and said, "She forgot your coupons?". I said, "Yes, she did." and she turned and walked off. So, I waited and waited finally getting my coupons redeemed with no time to take cold things home before picking up kids. Obviously I was a little irritated. I can't help but wonder if everyone, whose coupons are overlooked, are treated as poorly and must wait in the customer service line like I did?

    Reply#1 - Tue Apr 27, 2010 9:45 AM EDT
    Reply

    I would love to do more couponing.  However, all the stories I hear about are up North or on the East Coast.  What about all of us out in the western wastelands?  I live in a midsized city here in NW Texas.  Many of the small towns (some 30 miles distant) depend on this city for their shopping needs.  The grocery stores here are not particularly coupon friendly and none  the ever offers double or triple coupons.  l(Although they used to when I first moved here over 25 years ago.)

      Reply#2 - Tue Apr 27, 2010 10:54 AM EDT

      Check out www.becentsable.net they have a section divided by state. You can find blogs in your area which will teach you coupon strategies. Good Luck!

        #2.1 - Wed Apr 28, 2010 9:01 AM EDT
        Reply

        Forget coupons, if you're gonna fish, look for the whales too. anandtech.com's "hot deals" forum has produced some whoppers of saving. One HP color printer costs -$69, negative means, that is the cash left over in my pocket that was not there before I purchased the item.

        In this case it was a price-match, comined with a rebate from the store that I purchased it at, plus a HP rebate which required that I "recycle" a printer (any printer would do, so I found one at the local dump).

        slickdeals(dot)net, is great and so is fatwallet.com, and often "threads" keep you up to day as to frauds (rebates that nobody ever seems to get), or ways to avoid getting rebates denied (one required the store's address to be on the register tape, but many do not have that, but I have found that the courtesy desk usually has an address rubber stamp--very helpful an $24 rebates on wine.

        In early 2009 the US dollar had risen so much against the Australian dollar that wine dealers were having great sales with $4-6 off per bottle, this combined with $3/bottle coupon, plus a $2.50/bottle dropped my cost to less than $3.75@ and in one case, the cost became so low that the rebate returned a profit. Most Australian wines have almost doubled since then, and the once $8.99/bottle is now $14.99/bottle, making the "deal" all that sweeter.

        Rebates, coupons, email offers, and sales can be quite remunerative and also a lot of fun.

          Reply#3 - Tue Apr 27, 2010 12:03 PM EDT

          Shopping a military commissary, there isn't much I can use coupons for since I buy mostly fresh food other than bread, rice, pasta and cereal. There aren't coupons for meat, milk and produce - which comprises about 90% of my food purchases. And even when I lived in the States, none of our 5 duty stations had double or triple coupons in the local stores. Though I did keep track of what was cheaper in town and at the commissary and buy where most economical.

            Reply#4 - Wed Apr 28, 2010 2:25 AM EDT

            sorry for the double post

              Reply#5 - Wed Apr 28, 2010 2:26 AM EDT

              I live in MA and the coupon flyers I get with my Sunday paper all seem to have coupons that I have to buy 2 of whatever to save $1. There are very few coupons that are for just 1 product. Years ago, there were many stores in our area that tripled manufacturers coupons if the value was under $!. Now they no longer triple. They do offer in-store coupons that aren't allowed to be doubled, but even those seem to be for products I can't use or are for "junk" foods that I don't want to serve my family. I also find so many coupons with expiration dates that are so restrictive. Most are only good for one month and if I have just spent full price for a particular necessity, I feel a bit robbed in not being able to use that coupon when I would like to.

                Reply#6 - Wed Apr 28, 2010 7:10 AM EDT

                I know that couponing can be very frustrating at time ladies, but don't lose heart. The payoff is worth it in the end. I have found that the best way to get "fresh" produce is to switch to frozen if I am going to cook it anyways. A lot of times, if I pair up a sale with coupons, my grocery store is practically paying me to take their frozen veggies. Also, read into your stores coupon policy, and print it out. I carry mine with me to make sure I am doing what is within policy whenever their is a discrepency with the cashier, and sometimes, if I ask, they make an acception.

                But try to remember too, when you feel some "coupon discrimination", that the cashier is probably a high school student or college student who is just no learning the value of a dollar. Maybe we can all teach them something with our savings. I told a girl the other day that the money I save on groceries, my husband lets me save for fun things to do with the family or for little treats for myself, like a pedicure or new outfit...which we otherwise would not be able to afford. She was more understanding at that point. I find that education and a little grace go a long way with anyone:)

                  Reply#7 - Wed Apr 28, 2010 7:57 AM EDT

                  This is a great article. I am a coupon shopper and make every attempt to save 50% or more each and every time I shop for groceries. My family knows that for most items if it is not on sale AND I don't have a coupon, we won't be purchasing it. Meats and fresh produce are the only items that I usually end up purchasing without coupons, although there are times when either the store or a manufacturer will offer coupons on meats and produce. Milk, juice, eggs, bread, frozen goods, baking goods, toiletries, cleaning supplies, feminine products, baby items and the list goes on and on and on...I try to get as close to free as possible. The key is to plan, make a list, couple the list with sales and with coupons. Some store will accept their store coupons coupled with manufacturer's coupons. Some store double and triple coupons. There are countless ways to save. I encourage all of my friends, family members and whomever I meet to use coupons! It takes time, but it pays off in dividends!

                  There are countless blogs on saving money...mine included...www.mochamom04.wordpress.com...that give insight on how to save, where to save, freebies and so much more. There are numerous online coupon sites that offer coupons. I frequently contact companies that don't publish coupons and they usually will send coupons or vouchers for free products. Use rebates and money back offers.

                  Happy saving everyone! Remember, that saving money takes time and proper planning, but it pays off in $$.

                    Reply#8 - Wed Apr 28, 2010 9:28 AM EDT

                    The report didn't say if this woman shops where grocery stores double and triple the coupon value. I live in the Midwest and the grocery stores DO NOT double or triple coupons. Many stores will not match the flyers issued by other stores and many will not honor other store issued coupons.

                    Also, I can't believe these shopping "results" are typical. You have to do a lot of prep work to shop a grocery store to get decent savings. Also, it's rare to find coupons for produce and that's huge.

                      Reply#9 - Thu Apr 29, 2010 6:53 PM EDT
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