Originally Posted by sweetjasmine
My tax refund next year is already planned for which does not include paying off debts but rather paying the annual cost of our auto insurance and rent insurance. We save alot of money doing it that way rather than monthly.
Good planning for your tax refund. Just make sure that you set up sinking funds for the insurance once you pay the annual cost!
Originally Posted by eirual
Take this Orange Julius thing, is that to get you hooked so you'll come back and give them more money? Is using a coupon for a product you wouldn't normally purchase ever a wise idea? What's your take on coupons- useful tool or marketing scam or somewhere in between?
I use coupons. I match coupons with store sales so I can get the best deal.
For example: Store Brand Stuffing $0.99, Stove Top Stuffing $1.34 -$1.00 manufacturer coupon= $0.34 boxed stuffing. It's not healthy stuff, but I used it for my work potluck party.
Yes, you do need to be careful about buying stuff you won't use. And obviously, companies issue coupons to get you to try their product. But if you can get it for free and then donate it, why not? For instance, I have a cupboard with a bunch of lotion, body wash and shampoo that I was able to get for pennies or free that we've decided that we don't like. I plan to donate the stuff to the army hospital.
As far as restaurant coupons...we don't go out to eat but twice a year so I don't keep track of those coupons.
One of my current struggles with couponing is that sometimes I'll make a match between store sales and coupons and then I'll find out that Costco has the same deal, without the fuss.
A big help was finding a group of ladies who make the price matches for my area. I can look at their lists and decide whether I'm going to need something within the next month - 6 weeks that's a deal this week.
I think for me, it was a matter of be conscious of what really is a good deal. Is that a true sale or just a gimmick? Still learning, still trying.