“Wisdom energizes its owner…” Ecclesiastes 7:11-12

+ = WISDOM

Wisdom is better when it’s paired with money,

Especially if you get both while you’re still living.

Double protection: Wisdom and wealth!

Plus this bonus: Wisdom energizes its owner. Ecclesiastes 7:11-12

THRIFTINESSvs.

Extravagance

Not letting myself or others spend that which is not necessary.

Luke 16:11

Where to locate coupons?•Newspapers•Magazines•In stores

(tearpads, blinkies, on the product)•Internet

Items to NEVER pay full price for?

• Toiletries• Paper products• Cleaners• All non-perishables (pantry items)• Meats• Dairy items

Store PoliciesPublix – doubles up to $.50 EVERYDAY,

will take all local competitors coupons

Bi-Lo – doubles up to $.60 EVERYDAY, will take some local competitors coupons

Ingles – doubles up to $.50 EVERYDAY with a minimum purchase

Bloom – doubles up to $.50 EVERYDAY will triple on occasion

Food Lion – does not double will triple on occasion

Couponing Websiteswww.afullcup.com

www.southernsavers.com

Clipping Servicewww.thecouponclippers.com

Tracker

Magic Number

Sales are on a 6 to 8 week rotation

Coupons are on a 6 to 8 week rotation

Ecclesiastes 7:11-12

6 – 8 weeks

When to buy 1 item..

When to STOCK UP on an item I use..

I have a coupon and need the item -- NOW!

I have a coupon and the item is BOGO!

Original price $3.89 each

BOGO price $3.89/2 = $1.95 each

Coupon $1 off = $0.95 each

Final price for cereal $0.95 per box

CEREAL

Original price $1.29 each

BOGO price $1.29/2 = $0.65 each

Coupon $0.60 off 2 = $0.35 each

Final price for item $0.35 per item

Pasta Sides

Original price $7.49 each

BOGO price $7.49/2 = $3.75 each

Coupon $2.50 off = $1.25 each

Final price for item $1.25 per item

Detergent

Original price $1.29 each

BOGO price $1.29/2 = $0.65 each

Coupon $0.20 off = $.40 each (doubled)

Final price for item $0.25 per item

Pantry item

Original price $1.49 each

BOGO price $1.49/2 = $0.75 each

Coupon $1 off 4

purchase 4 = $3

Price with coupon = $2 for 4

Final price for item $0.50 per itemPantry item

Original price $6.00 each

BOGO price $6.00/2 = $3.00 each

Coupon $1

Price with coupon = $2 Final price per box

$2.00 per box

Frozen Pizza

Sorting CategoriesPantry – Canned goodsRice and Pasta BreadCoffee / Tea / JuiceSnacks / CrackersCereal / Breakfast ItemsP.B. & JellyCondiments – Marinades Dressings Ketchup / Mustard / MayoBaking Supplies – SpicesCake mix & IcingSugar & FlourDairy – YogurtMeat, CheeseButter etc…Produce SectionCookies / BreadJuice

Freezer – TV Dinners/PizzaBreadBreakfastDesertsCleaners – LaundryDish SoapEveryday CleanersPaper Products – Paper TowelsNapkinsToilet PaperTrash BagsFoil, Saran Wrap etc...Ziploc Bags, Containers Plates / Cups etc…

Toiletries – Teeth care Shampoo/conditionerDeodorantSoap (Hand, Body, Bar)RazorsLotionFeminine ProductsFace Care / Make-upFirst AidBaby Goods – Diapers and WipesHousehold –Candles/FragrancesOffice Supplies Medicine – VitaminsCold / FluPain RelieverNose / Eye CarePet Foods – Dog / Cat FoodDog / Cat Treat

With the 9 in front of the number, the

coupon will NOT double/triple

MANUFACTURER'S COUPON I EXPIRES 3/31/10

50*OFFAny One (1) package of Hefty® plates or cups

With the 5 in front of the number, the coupon will

ALWAYS double/triple

MANUFACTURER'S COUPON I EXPIRES 3/31/10

50*OFFAny One (1) package of Hefty® plates or cups

5

C V S

spend $15 get $5 extra bucks

Rolling example 1:Started with $3 ECB

Transaction #1Cottonelle Flushable Wipes$5.98 minus the $3 ECB

My Total was $2.98I RECEIVED $3 ECB

Transaction #2Colgate Toothpaste

2/$5 $1.50 mfg couponTotal was $3.50

I used my $3 ECB from transaction #1Total was $0.50

I RECEIVED $3 ECB

Transaction #3Fructis Hairspray

Total was $3.99 minus $1.00 mfg couponTotal was $2.99

I used my $3 ECB from transaction #2Item was FREE

RECEIVED $2 ECBTransaction #4

2 Liquid Dawn Dish Detergents $.97 each

Total was $1.94I used $2 ECB from transaction #3

Item was FREE

I received $17 worth of products for $3.50!!!

Rolling Example 2:Started with $9 ECB

Transaction #13 Adidas men’s deodorant – on sale for $3.99

Used 3 $1/1 mfg couponsTotal was $9.54I used $9 ECBsPaid $0.54 OOP

Received $9 ECB

Rolling Example #3Started with $4 ECB

Transaction #12 Crest Toothpastes

I used 2 $1/1 mfg couponsTotal was $4.22Used $4.00 ECBPaid $0.22 OOP

Received $4.00 ECB!!

B1G1, BOGO, B1G1F – “Buy 1, Get 1 Free”

$/$$ - Dollars off WYB XX dollars

.50/1 - Fifty cents off one item

.50/3 - Fifty cents off 3 items

DND5- Coupon says Do Not Double, but the bar code

starts with a 5, most computers will still double it

NED - No Expiration Date

Blinkies - Coupon dispensed near product, in the store

(usually from a “blinking” red box)

Catalina - Coupon dispensed at the register at the time

of purchase (on separate paper)

Peelie - Coupon that you peel off the package

Coupon Lingo & Abbreviations

Tear Pad - Pad of refund forms or coupons found hanging from a store shelf or displayFAR - Free After RebateIP - Internet Printable (a coupon you print off the internet)MFR - ManufacturerMQ - Manufacturer couponMIR - Mail in RebateOOP - Out Of PocketPG - Proctor & Gamble Sunday insert couponsRP - Red Plum Sunday insert couponsSS - Smartsource Sunday insert couponsV - Valassis (former name of Red Plum inserts)FLIP - Food Lion Internet Printable

Coupon Lingo & Abbreviations

Coupon Lingo & Abbreviations

WYB - When You BuyWSL - While Supply LastsSASE - Self Addressed Stamped EnvelopeCRT - Cash Register Tape (coupon that prints on your receipt)ECB - Extra Care Buck (CVS)ESR - Easy Saver Rebate (Walgreens)IVC - Instant Value Coupon (Walgreens store coupon, found in Walgreens Easy Saver Catalog and on in store tear pads)RR - Register Rewards (these are the Catalinas that print out at Walgreens)SCR- Single Check Rebate (rebate system at Rite Aid)

January3 – (3) Smart Source & (2) RedPlum10 – Smart Source & RedPlum17 – Smart Source & Procter and Gamble24 – Smart Source & RedPlum31 – Smart Source & RedPlum

February7 – Smart Source & Red Plum14 – Red Plum21 – (2) Smart Source & Red Plum & Procter and Gamble28 – Smart Source

March7 – Smart Source & RedPlum & Procter and Gamble14 – Smart Source & RedPlum21 – (2) Smart Source & RedPlum28 – (2) Smart Source & RedPlum & Procter and Gamble

Coupon Insert Schedule

April4 – No Inserts11 – Smart Source & RedPlum18 – Smart Source & RedPlum25 – Smart Source & (2) RedPlum

May2 – Smart Source & RedPlum & Procter &Gamble9 – Smart Source16 – Smart Source & RedPlum23 – Smart Source & RedPlum30 – No Inserts

June6 – (2) Smart Source & RedPlum & Procter and Gamble13 – Smart Source20 – (2) Smart Source & RedPlum27 – Smart Source & RedPlum

Coupon Insert Schedule

July4 – Procter and Gamble11 – Smart Source & RedPlum18 – Smart Source25 – Smart Source & RedPlum

August1 – Smart Source & RedPlum & Procter and Gamble8 – (2) Smart Source & RedPlum15 – Smart Source & RedPlum22 – (2) Smart Source29 – Smart Source & RedPlum & Procter and Gamble

September5 – No Inserts12 – Smart Source & 2 RedPlum19 – Smart Source & RedPlum26 – Smart Source & RedPlum

Coupon Insert Schedule

October3 – Smart Source & RedPlum & Procter and Gamble10 – Smart Source & RedPlum17 – Smart Source & RedPlum24 – Smart Source & RedPlum31 – Smart Source & RedPlum

November7 – (2) Smart Source & RedPlum & Procter and Gamble14 – Smart Source & RedPlum21 – Smart Source28 – No Inserts

December5 – Smart Source & RedPlum & Procter and Gamble12 – Smart Source & RedPlum19 – No Inserts26- No Inserts

Coupon Insert Schedule