Fall Savings!!

When I was researching the coupon industry's tactics and time tables a few years ago, I ran across an interesting tidbit of information that I think bears repeating. Manufacturer's flood the market with over $3 Billion dollars worth of coupons every year. Over half of those coupons are released in the last four months of the year--rather then the first 8 months. That is when consumers are the most predictable with their traditional menu production and consumption. They are eating at home more throughout the holiday season and need more supplies to whip up those tasty favorites. It's the HOLIDAYS--and we do our best celebrating with FOOD! In order to maximize sales and supersede brand loyalty--the quantity of coupons and savings amounts are greatly increased.

With all the changes in the Albertsons' coupon policy and the removal of the doublers from the stores--I haven't really noticed a great opportunity for stocking up on the predictable staples. But tomorrow is hopefully the start of the count-down deals till Christmas. The entire center pages are full of deals that will render additional savings via the Catalina print-outs. Many of the items require purchases in set quantities--and most have coupons that are available in the mass market. Some of them I found on the Internet sites that are free to print. There is a limit of two prints per computer address...but at least some of the coupons don't requirement any extra work to retrieve. One than one computer=2 additional prints :)

There are dozens of others items that are on sale that will also generate those Catalina's that act like money on your next transactions. I'm thinking that a few transactions with some aptly placed coupons will fill the pantry quite nicely, on this week's sales.

Another stellar deal is the Green Giant Vegetables 11-15o.25 oz 6 for $4 ($.67 each). You get back a $2 Catalina coupon when you buy 6; making the final price after Catalina $.34 a can. If you need green beans and corn in bulk--make sure that you call the store ahead of time and have them order the quantities and kinds that you would like, so that the infamous shelf-clearers (and they are out there in droves!), won't leave you empty-handed or with the flavors that nobody likes either! This is a great stock-up price, especially since you don't have to have any coupons to purchase at that price!

General Mills cereals are also going on sale. If you have coupons to layer on the sales' prices--it beats the other competitors' sales--hands down. On the link for the Jello deal above, there are also coupons for the cereal. Don't forget to go through all the different coupons to see what you can print from home for free. Quaker oats look like they would be a great deal if you get coupons to match.

I tell ya'!! Coupons work like magic. They are the only time that you will be able to pay for something with a piece of paper that acts like MONEY at the register--that you didn't have to earn or take from your financial savings account. Coupons are a form of payment that don't require you punching a time clock to earn. It really is the most amazing concept for saving the money that you did work hard to earn! So make sure that you go your ads this week and see what items you can buy that have coupons to match. And 'tis the season to Save, Save, Save.
**Fred Meyer started a great sale on Sunday, which will go through till Saturday. They have hundreds of items that are on a "Save $5 when you buy 10" program. One of the more stellar deals is the Campbells' Cream of Chicken and Cream of Mushroom soups that are 99cents a can. When you buy 10 of them, $5 automatically comes off--making them 49 cents a can. Great price...but if you have some coupons, which are rotating out there, you can save a lot more.

Think about the difference this way. There are coupons for 40cents off of 3 cans and 40 cents off of 4 cans out there. If you were to buy 4 cans of soup at the 99cent price and then apply one of those coupons...your total would go from $3.96 to $3.56 for four cans. But if you buy 10 cans at 99cents, $5 comes off, making the new total $4.90. If I had 3 of the 40cents off of 3 coupons--I could use 3 of them on this transaction. They would reduce the total to $3.70. That is only 14 cents more than the original example--and you are getting 6 cans more soup. If you were to stock up on the items that your family uses the most of with these kinds of sales (and they repeat cyclically--so no worries about this being a one-time gig that won't ever come your way again...), note the difference in the amount of food you would have on hand in comparison to not taking advantage of the sale with the coupon. You can put more food on your shelves that will be your cost savings until the next sale comes around. You save long after the sale is over. It's amazing! And you don't have to have a lot more money to make a difference in the amount you would like to buy.

Another stock-up item found at Albertsons' this week: Jello 3oz packages or pudding packages--4 for $3; Buy 4 and get $1 back. Applying the coupon that you can print here--will increase the savings tremendously. This is a great stock-up price because it's less than 19cents a box and it includes the variety of puddings. Yum!http://www.coupons.com/couponweb/Offers.aspx?pid=14997&zid=iq55&nid=10&bid=1101221106cf273e082781673e0827816

What to do with all those pudding mixes? Try making these cookies!

AWESOME Chocolate Chip Cookies
4 1/2 cups all-purpose flour
2 teaspoons baking soda
2 cups butter, softened
1 1/2 cups brown sugar, packed
1/2 cup white sugar
2 (3 1/2 ounce) packages vanilla instant pudding mix
4 eggs
2 teaspoons vanilla extract
4 cups semi-sweet chocolate chips
2 cups walnuts, chopped (optional)
Directions:
1. Preheat oven to 350 degrees F (175 degrees C). Sift together the flour and baking soda, set aside.
2. In a large bowl, cream together the butter, brown sugar, and white sugar. Beat in the instant pudding mix until blended. Stir in the eggs and vanilla. Blend in the flour mixture. Finally, stir in the chocolate chips and nuts. Drop cookies by rounded spoonfuls onto ungreased cookie sheets.
3. Bake for 10 to 12 minutes in the preheated oven. Edges should be golden brown.Read more: http://www.food.com/recipe/chocolate-chip-cookies-using-instant-vanilla-pudding-409814#ixzz1cWXwAYNj

Friends! SHOPPERS!! Lend Me An Ear....

If you're an avid grocery shopper, you will have noticed that many of the foods that we commonly consume have increased in price. I notice it all the time. But I sometimes wonder if the average shopper does--other then the fact that they have to wonder why the total at checkout is higher than usual.

I saw an article today on Yahoo's Financially Fit that explained one of the reasons for this broad banded increase. We've had a really bizarre year with weather. For example, Summer didn't get into it's groove until the second week of July, here in Spokane. Then it wasn't even consistent,that's for sure. It's now September and we are experiencing a brief heatwave after a week of cooler temperatures. So what I'm getting at: did you know that the Midwest had a drought while we were still wearing our jackets in June? Fluke and freak weather everywhere can really be a damper in the price of basic commodities that are produced in other parts of the country. Take corn, for example. It's primarily produced for manufacturer's in the bread belt of the country--the Midwest. Tornadoes, hurricanes, flooding, drought...all that ring a bell? Yep--the land of corn, wheat, and barley. So when you see the price of your Corn Flakes stay at $3 a box ON SALE, there's a very good reason for that.

Corn goes into a LOT of things that we take for granted. Did you know that the sweetness in a granola bar is from corn? [I have a Corn-addition. No...I'm mean Coke-addiction. That's right. Coca-Cola is sweetened with corn syrup. The rising cost of corn equals the rising cost of Coke.] It's always good to put things in perspective because sometimes a picture of the real deal washes away the true significance of the scope of the problem. This article was a "scope" into what corn droughts can do to the prices of so many things.
http://financiallyfit.yahoo.com/finance/article-113449-10939-1-4-rising-food-costs-that-will-hurt-your-wallet?ywaad=ad0035&nc
I was just telling my husband yesterday, while we were at Fred Meyer, that the prices on food were entirely neurotic and I was amazed that people had carts brimming with food. It got me wondering though. I don't see very many people with fists full of coupons at the registers either. Food stamp programs have updated their look and now everyone qualifying for government assistance use EBT cards (formerly given out in the form of a coupon booklet--as an obvious sign that payment was "food stamps"). Now users just swipe a card that looks like any old debit card. But still. Where are the manufacturer's coupons and store coupons being used in this savings game? I think EBT users should have to qualify in more ways then just income. How about money management? Budgeting? Meal planning? Couponing? $400 in food funds a month would be more productive in a trained coupon shopper than in the average user.

[I have this theory that a dollar earned by your own hard labor, is more valued and better spent then the dollar that is given through an entitlement program. I don't have any research to back this theory up today--except for what I've seen with my own eyes and some informative yap with the grocery money-changers. But my question is are shoppers really noticing the prices of food when their EBT cards are loaded with preset dollar amounts? Would they care how much the cost is when somebody else is footing the bill? I don't think so.... And that's my sociology degree screaming in my head.]

Here's a little story about how I'm living up to my name.... No. Not that name. The other name...Saving Spokane. I saw this very old woman at the checkout ahead me yesterday buying a 2lb block of Tillamook cheese for $6.99, some hearing aid batteries, and small container of some bland "yum yums". Alright. Her total was $16+. She handed the cashier a $20 bill and I just couldn't let her do it! I yelled for him to STOP before he cashed out her change. [My husband went beet red and probably wanted to crawl under the conveyor belt...shamed that he can't have a totally quiet moment at a check-out stand with me. The old woman didn't even hear me--thus the batteries, right? And the post-child/pre-adult cashier looked at me like I was a raving loony. But what's new? I've seen that look before, and it doesn't bother me anymore.] I opened the store ad, the one with all the "store coupons" printed down the sides...and there was a coupon that made the Tillamook cheese $4.99. All the man-child had to do was shoot the scanner gun over the bar code and Grandma was $2 richer.

Now I know that I'm in the first generation that won't live as high of a standard of living as my parents--but I don't think I have to be stingy with my money manners. Grandma looked like she could afford the extra $2. Obviously all of her money isn't going to the nursing home yet...and my efforts did earn me a smile and nod of appreciation. Why didn't the cashier voluntarily scan the coupon without her knowing? I don't know. You just don't see very many people that are trying to make it easier for others out there. Maybe it's true and we have an entitlement state of mind. But when times are lean and the costs are rising--it doesn't hurt to pass the word of savings along. It didn't cost me anything to be nice--and she surely didn't give me the $2 she would have handed over to the store a moment before. What is she going do with the $2? It probably seemed like a little thing at the moment. But what if that $2 was saved as daily occurrence? Weekly? Monthly? The little amounts don't look like much at first, but the savings would add up very quickly if it were acknowledged in every purchase.

So what does this have to do with corn and droughts? And why the price of food is increasing. Manufacturer's still have over $3 BILLION in coupons that are available for consumers to use on their grocery and household purchases every year. Just yesterday my husband told me he didn't know why I was so concerned about the prices of food, since I'd coupon them to death. Ah. A light bulb moment. He gets it, after all. Using coupons equal a certain peace of mind--especially in the hard times. It means that I can stock up on cereal during drought seasons. It means that the cost of beef, pork, and chicken (corn-fed animals that I think are pretty tasty...) may go up, but I can off-set the cost of consumption through couponing my necessities so low that I don't gag on the inflated price of meat. It's a win-win relationship--with these coupons.

Research corn. Find out all the different things that it goes into and watch those items increase in price. And when you are finished with corn, move onto wheat, cotton, rice, sugar...and the list goes on. We are more globally connected then we realize. When the crops fail in California or get blown away from the vines in Florida--we are all going to pay for those losses. Sometimes we are so "local-centric" in our view of consumption that we don't realize that the grocery store is just the middleman to the rest of the country's agricultural reserves. Capitalistic marketing and quick transportation have brought Georgia's peaches, Florida's oranges and Iowa's corn to our tables within hours of harvest. Devastation anywhere in our country will eventually be felt at home.

So prepare. Buy smart. Buy ahead of the drought. And who can really predict disaster and drought? No one. So that means study out the ways to save money even with the rising costs of basic goods and services. And, by golly--if you are one of the many that are receiving assistance to fill your cupboards every week--do not pay more for food than I would. Spend some time learning about how to save money on the second-highest expense in your life. It's a skill that will last a lifetime--and will continue to benefit you once the entitlement programs are over. Because you can't fund bankrupt programs from a bankrupt economy. [Remember all those theories and analogies about old dogs/new tricks, not riding a dead horse, money not growing on trees...and it still doesn't.] At the end of the day--you will still have to eat--so learn some mad shopping skills, in the mean time. We could be just a drought away from unafforadable!!
http://www.usatoday.com/money/industries/food/story/2011/08/Stunted-corn-crop-could-lead-to-higher-food-prices/50080468/1

Kraft Deals Galore!!

So we left town today for the long, holiday weekend...that means that I had to take advantage of a fabulous sale on Kraft products early on in the sale period. Check out http://www.albertsons.com/ and the deal they are running on Kraft products. When you buy 6 selected products, you automatically save $3 on your total (no coupons, no waiting at the end for a Catalina print-out). I got coupons at the store for $1 off 2 products (BBQ sauce, salad dressing, A-1, etc). They were hanging near the products.

Now what makes this such a great deal is that there is another Kraft sale running in conjunction with this one. For every $25 you spend, you get a $5 Catalina OYNO coupon at the end. Disclaimer: last night I did all my transactions in increments of 6 products...but it was a long drive and I got to thinking about how those two deals could be used together. This is what I came up with...and you need a a couple of friends to enjoy this deal or a love for BBQ sauce. You need 19 coupons from the pad hanging in the condiment section. If you buy 38 bottles of Kraft BBQ sauce, your total is $26.22 before those 19 coupons. The coupons are $1 off 2 bottles--bringing the total to $7.22. Then you get the automatic $3 off (for buying the required 6)...and then you get the $5 coupon back at the end of the transaction. That makes the total deal a whopping -78cents. See what you come up with when you drive 350 miles....free goodies. Now-how to get that much BBQ sauce home?

Note: I saw the Kraft coupons hanging with the product in 2 different Albertsons' in Spokane. Since I'm in the greater Puget Sound area right now, I am going to check a local store to see if the same coupons are available. The coupon is what makes this a stellar deal and if it's not available...it's still a great price, but not so stock-up worthy--if you know what I mean. Also--watch the expiry dates on the products. Sad to say, these kinds of sales are a great way for the store to flip their inventory and that means that there could be a range of dates on the bottles of about 18 months!! I had to go through the bottles to find the dates that were furthest out into 2011, but I was weeding through Mar2010-October 2010. Yes--that was March 2010...gross!! You know the store has had the product awhile when there is dust on the bottles! (That reminds of an old country song...except they weren't talking about BBQ sauce ;)

The coupon that I mention here that is available at the grocery stores, includes the salad dressings as well. There is a Catalina promo coupon for this product as well, when you buy 4 bottles, you get a $4 Catalina print-out automatically. You can crunch the numbers and set up different purchase scenarios to see how you can balance you quantities to include another fabulous deal. It's not very often that you have a sale that layers so much savings at one time. The price-savvy will take advantage of this great deal, so don't miss it because you waited till the last day.

Ins and Outs...

I was in Winco a couple of days ago and saw a tremendous deal on Ragu spaghetti sauce. It was 98cents a bottle. That's pretty stellar since it goes "on sale" for anywhere between $1-2...with purchase requirements usually in increments of 4 to 10 items to get sales' price. But at Winco that's the sales' price with no limit on quantities or purchase amounts. It got my head rolling and last night I ordered Ragu coupons on e-bay. I was pretty conservative this go around and only ordered 2 sets of 20 coupons. But the coupons are for "Save $1/2"--bringing the cost of the spaghetti sauce down to 48 cents a jar. Not too shabby for stuff that goes "on sale" for $2. Just sayin'....


There is also a very nice sale going on at Albertsons' this week on ConAgra Foods. They are the makers of Hunts' products, amongst others. For a purchase of $25, you get a $10 OYNO Catalina print-out. Most of the products in the fab deal are on sale for $1 each....SWEET!! Included in this sale are: Hunts' Ketchup, Spaghetti sauce, pudding, Manwich, Chef-Boyardee, etc., etc, etc. Go to www.albertsons.com to look at the ad if you didn't get the weekly circular. But the true goodness of the plan here is that you only have to reach the $25 before you coupon the items. So you can shop the internet for the coupons or see what you have from the recent Sunday papers--and take advantage of a GREAT deal. The best coupon that I found is at www.childhungerendshere.com and it's a ConAgra-based website and they are offering a coupon for $1.50 off any four ConAgra products of your choice. That makes the mixing and matching so much easier without having to be specific to a coupon's requirements for purchase amounts. Printer-disclaimer: you are only allowed to print 2 per computer. But that's still a jump start on the deal because it covers 8 products in 2 coupons.


If you don't have coupons, this is still a great time to buy on the ConAgra deal because it's 40% off the listed items in the promotion without coupons. That makes the cans of spaghetti sauce only 60 cents each....Wal-Mart can't even touch that price. Make a plan. What will your family eat in the next 3-6 months on the products you use the most of. Can you get a coupon on it as well? Is it worth stocking the pantry till the next stellar deal comes along. It generally is--especially when you do the math and see how many products you can buy for what you would have spent on ONE can. With the spaghetti sauce example--you can buy 2-3 cans more on this sale than you could have at regular price. Regular price=buy only what you need at the time (like 1 can)....Sales' price=buy the dollar amount of what you would have spent for 1 can and get the difference in the number of cans on sale. Put those cans in your pantry and don't purchase at regular price until the product goes on sale again...Money in the bank.

Steal of a Deal....

Albertsons' has this great dealing on Post cereal right now. The family-size boxes are $1.49 a box. Ironically, for every 4 boxes that you buy, the register prints a Catalina coupon for $3 off your next purchase. You can only buy the cereal at the $1.49 price in increments of 4. And the icing on the cake, in the Sunday paper there was supplemental ad that included 3 bonus coupons (Albertsons' will double 3 coupons up to $1 each). So with this in mind, four boxes of cereal=$5.96. I have coupons for save $1 on 2, so I give them 2 + the coupon doubler coupons from the ad for a grand total of $1.96. At the completion of the transaction I get the $3 off coupon/voucher towards the next purchase. If I did another transaction back to back with the say method as outlined PLUS the $3 off, each transaction would be -$1.04....way to GO!! Now, of course, the stores will not return you cash for taking the product away without paying, so you'd throw an item on to each order that absorbs the cost and you basically get that item for FREE as well. (I usually add a canned fruit or veg and pay the pennies difference). Every one is happy and I'm having a mini-seratonin buzz as the cashier is clicking the register buttons. (Ohhhhhhhh....the things we do for a "fix"!!)