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15 Tips for How to Save Money With Coupons

Karen Hellier is a freelance writer and eBay entrepreneur. She lives happily in the mountains of North Georgia with her husband and her dog.

I had this "Coupon Lady" shirt specially made for when I go grocery shopping. It does attract a lot of attention!

I had this "Coupon Lady" shirt specially made for when I go grocery shopping. It does attract a lot of attention!

How to Save Money With Coupons

When my kids were young and at home with their Dad at night, it was a huge treat for me to go to the grocery store. I would leave the house at 9:00 pm and come home at 1:00 am, supercharged and excited about all the money I had saved. I always reviewed the store fliers, compared coupons, and made a list of what I wanted at each store before arriving at the grocery store. I had an envelope for each store with the coupons I would use.

On a regular basis, I spent only $60.00 for a family of five and a dog, and I saved an average of $110 each week! The cashiers didn't always know my name, but they knew I used a lot of coupons and saved a lot of money, so they would say, "Here comes the Coupon Lady." That's how I got the Coupon Lady nickname. I was very careful not to take advantage of the store policies or give the cashiers a hard time. It worked out very well for me. The cashiers were usually as excited about my shopping deals as I was!

The following 15 tips helped me the most to save money for my family. I hope they help you as well:

15 Tips for Saving

  1. Buy the local Sunday paper. Each Sunday, manufacturers put coupon fliers into the papers. In some towns, the fliers may come on Saturdays, but whatever day your local newspaper has coupon fliers in them, buy at least one copy. This way, you will have access to all the coupons that are coming out in your area.
  2. Clip one of every coupon. I know it sounds crazy, especially if it's a product you don't use. But regarding sharing, you may have clipped a coupon for diapers that your neighbor could use, and they may have a coupon for cat food that you could use, and in this way, you can share the wealth of coupon savings. File them in your large coupon holder . . .
  3. Have a large coupon holder. If you are going to clip one of every coupon in your newspaper week after week, then you will need a large container to hold them all. Some people use shoe boxes with cardboard dividers, or if they want something sturdier, they use plastic Sterilite containers. Toolboxes and long craft boxes work well too. Other people, including many of those featured in the show Extreme Couponing use binder notebooks with clear plastic windows so they can see their coupons more quickly than digging through a box. Whatever system you think will work best for you is the one you should use.
  4. Have a smaller coupon holder. You should organize ahead of time, with a separate divider for each store you are going to. That way, all the coupons you will need for that store will be available to you in one organized section. You can use envelopes or purchase one of the small accordion-style coupon holders in grocery stores for this purpose.
  5. Shop at more than one store. In this way, you will be able to take advantage of all the stores in your area and get the best deals on everything you buy. This works well if you have a lot of grocery stores and pharmacies in your area. If not, go to the ones that make the most sense gas-wise. In my town, there are three grocery stores, a Walmart, Walgreens, CVS, and Rite Aid, all within five miles of each other. I can hit them all and use less than 1 gallon of gas (I get 34 miles to the gallon in my car, which is one of the reasons I bought my Toyota Yaris in the first place because I wanted to save money on gas!!!)
  6. Make a shopping list. On Sundays, sit down with the store fliers, and go through each one to see what the sales are and what you want to purchase that week for your family. Make a list, and compare it to the coupons you have just gotten that day, as well as the ones you have clipped and hopefully filed in your coupon holder. Not only should you shop with a list, but stick to it. Although it's tempting to pick something up that happens to look delicious, it won't help you stay on your budget. The only time you should purchase anything that's not on your list is if there is an unadvertised store special that is a great deal.
  7. Bring all of your coupons with you to the stores when you go shopping. You will need to have access to ALL your coupons whenever you go shopping. You might find an unadvertised special, and you don't want to be caught without your stash of coupons because you won't be able to take advantage of the sale without them. By the time you run home and get your coupons, the shelves will probably be cleared. Keep your smaller container or envelope for that store you are in at the top of your coupon holder for easier access. Note: if you use a toolbox or craft box, it will fit easily into the child seat in the front of the cart . . . which leads me to the next tip . . .
  8. Never go shopping with your children: You love your kids, but you know how excited they get in a grocery store to see their favorite foods, cereals, candy, toys, etc. And it's hard to keep them busy and to have them not ask for all the things they want. It can drive a mom or dad crazy when they are trying to stay organized with their coupons and match sizes of products to the coupons in their hands when kids are trying to have conversations with you about the newest brand of something they just saw an ad for on TV. It's easier to save and stay organized if you leave the kids home with a parent, relative, or a can always return the favor and watch her kids someday.
  9. Make a budget and stick to it. If you really want to save money, you need to be careful not to go over budget. Decide how much you want to spend on groceries each week, and stick with it. If you have extra money some weeks, put it aside so another week you can use it to stock up on a special.
  10. Shop with cash. You will be much more likely to stick with a budget if you know you only have so much cash to spend and you are paying with cash. The freedom of using a debit or credit card can get shoppers into trouble because they don't actually see the cash leaving their hands and figure they have enough money in their accounts to handle a few extras. Over a few months, those extras can add up and break your shopping budget. To make this easier, shop with a calculator to keep track of purchases as you buy them.
  11. Shop every week. Just as you want to be able to take advantage of every store, you also want to take advantage of every sale at the stores. Even if you just go in for the specials to a few stores, it will be worth it if you can save money on those products.
  12. Stock up on sales, so you'll never have to pay full price. If you see your regular brand of deodorant that is regularly $2.99 and it's on sale, and you have a coupon that will make it 99 cents (or less), stock up on as many as you can. Or at least enough to get you through to the next time that product goes on sale. Most items go on sale on a cyclical basis every four to six weeks. By following this system, you will never have to pay full price for it again. If you do this with all your groceries, you will see huge savings by the end of the year. If you need storage space, build shelves in your basement, store items in every closet, under beds, etc.
  13. Make sure to combine sales with coupons whenever possible. Having a coupon for something or being able to buy a product on sale is a great way to save money. But if you combine a coupon with a sale, you'll save even more money. Do this every week, and you'll see the savings mount up.
  14. Call the 1-800 number on most of the products in your house. Tell the company you like their products and were wondering if they have any coupons they can send you or put you on a mailing list. Often they are so happy that you aren't calling to complain that they will oblige. It's so nice to get coupons in the mail rather than more bills!
  15. Get your friends, neighbors, and relatives to save coupons for you. Most people don't pay attention to the coupon fliers or only take a few out and then recycle the fliers. If they know someone else can use them, people are happy to save their extra coupons for you. This will be especially helpful if you have relatives from other states who are willing to exchange coupons with you. If you live in a state in which coupons are doubled, then 50- and 75-cent coupons will be useful to you. If your relative lives in a state that doesn't double coupons, then they will want the $1.00 off one item coupons . . . trade to get what will save you the most money. People close by can save the whole fliers for you, but with people out of state, you can save postage by just getting a list from each other of the products you buy on a regular basis.

Good luck saving, and please feel free to comment or ask any questions.

The tools of the coupon trade! Here is my main coupon holder and my store pouch, inside of which I keep an envelope for each store filled with coupons and my grocery list for each store I will shop at each week.

The tools of the coupon trade! Here is my main coupon holder and my store pouch, inside of which I keep an envelope for each store filled with coupons and my grocery list for each store I will shop at each week.

Helpful Websites

In the past 15 years, there have been a lot of great improvements in ways to get coupons and make saving easier. I highly recommend the website, which will let you log in by your state and see the sales in your towns for pharmacies and grocery stores. The site shows what coupons you can combine with the sales and how much the final cost will be. It is totally free to use, but you will need a username and password to use this site. The Coupon Mom has also written a book that I bought and found it helpful.

You can also go to and download coupons from there. Some stores are reluctant to take internet coupons because people have made copies and ripped the stores off. Find out what your store coupon policies are about accepting internet coupons before you try to use them.

All of these dishwashing soaps were originally $1.59, but I got them for 38 cents each with a sale and a coupon.

All of these dishwashing soaps were originally $1.59, but I got them for 38 cents each with a sale and a coupon.

Grocery Store Cards Can Save You Money

Once you get past the fact that when you apply for a store card at a grocery store or drug store, they are able to track your purchases, and to some, that is an invasion of privacy; remember that the perks this gives you will save you money. Here is a list of various grocery stores around the US and the perks you can get from their store cards:



Kroger periodically sends coupons out to their customers with savings based on products they have bought in their store before. And the envelope of Kroger coupons always includes one free item.


For every $100 you spend at Kroger stores in one month, you can earn 10 cents off per gallon of gas from Kroger gas stations. And even if you don't have enough gas points accrued in one month, you can still save 3 cents off per gallon by just scanning your Kroger card before gassing up any time you scan your Kroger card at a Kroger gas station..

Big Y


Big Y has a Silver card which costs nothing and gets you discounts on certain items. These items change each week.


Big Y offers gas points based on how much you spend using your card. Again, this is to save money when you gas up at Big Y gas stations.

Stop and Shop


Stop and Shop gives you gas points for discounts on gas at their gas stations based on how much money you spend using your store card.



Ingles keeps track of how much money you spend on groceries which leads to discounts at the pumps at Ingles gas stations.

Winn Dixie


Winn Dixie has special sale items that you can only save money on if you have your store card.

Don't Forget to Download Store Apps Onto Your Phone

Lots of stores now will give you extra perks for downloading their apps onto your phone. For instance, Kroger will give you certain points off on various things like gift cards when you download their app and upload various digital coupons.

And do it with all stores you frequent that offer an app, not just grocery stores. Hobby Lobby and Michael's both give you a 40% off any one full-price item (meaning it's not on sale) if you download their app to your phone. You just have them scan your phone at the checkout.

Below is a pile of deals I got recently. The original cost of all these items, before tax, would have been $33.63. The total I paid, before tax, was $5.34! I imagine if you could do this every month with things you need to buy for your household.

Here's how this worked, if you can follow it:

The shampoos were each marked down to $2.50, and I had $2.00 coupons off 1 item, making each one 50 cents.

The razors were $2.97 and I had $3.00 coupons, which meant they covered the cost, and this particular Walmart I went to takes the 3 extra cents off my bill total, which means I earned 3 cents for each bag of razors I bought!!! Some stores won't do this and only take off the cost of the item, and they keep the extra 3 cents that they get reimbursed by the company. That's okay with me because I am still getting the item for free!

The pens were $1.17 each and I had 5 coupons for $1.00 off 2, and 1 coupon for $1.00 off 1 so 1 of these cost me 17 cents and the others cost 67 cents each.

Deals I got in August, 2016

Deals I got in August, 2016

Sunday coupon fliers that are in local newspapers are main sources for coupons.

Sunday coupon fliers that are in local newspapers are main sources for coupons.

© 2012 Karen Hellier


OnlyDiscountCoupons on August 15, 2019:

Great tips! I enjoy using coupons because it helps me get value for money.

Karen Hellier (author) from Georgia on February 01, 2017:


I am glad you were able to glean some useful information from this article.I am totally nuts about using coupons to save money! Thanks for reading and for the comment!

Marlene Bertrand from USA on February 01, 2017:

These are all excellent tips. Tip #7 is the one I believe in the most. I actually keep a coupon box in my car. I have a "shopping" coupon pouch that I take with me when I shop, but sometimes I see a sale I had not anticipated and having the coupons handy in my car makes it easy to catch additional sales. Thank you for the additional resources for obtaining coupons. Your article is very helpful. I enjoyed discovering some new and helpful coupon tips.

Karen Hellier (author) from Georgia on May 07, 2013:

gios the martian,

When I saw your username, got quite excited to see I have a real martian following me! I am sure there's a story behind that, and I love the name. Yes, coupons can save so much money if people would just put in the time to use them. By the way, I always go to couponmom to see what the deals are before I go to the stores. She has a list of all the sales and the coupons that match.

gios the martian on May 07, 2013:

Great tips! I enjoy using coupons because it helps me get value for money.

Karen Hellier (author) from Georgia on September 22, 2012:


Good you. I hope you do start using them. Once you start saving with coupons, it's easy to get hooked. And the more money you save, the more you want to save! Thanks for the vote. And remember it's never too late to start!

healthylife2 on September 17, 2012:

Such helpful tips. I have to admit I usually don't bother with coupons but need to look at this as a challenge and stop being so lazy After reading this feel excited to save. Voted up!

Karen Hellier (author) from Georgia on September 15, 2012:


No, she doesn't have a website, LOL! she used to but then had to go to work full time and couldn't keep up with the website. She still uses coupons though. Check out which can give you deals on bargains in your area and the coupons you need in order to get the deal.

yourpark from New York on September 14, 2012:

Does the coupon lady have a website?

Karen on January 31, 2012:

Good luck saving...feel free to contact me with any coupon questions!

CassyLu1981 from Wilmington, NC on January 31, 2012:

Very good Hub! Lots of ideas I don't use yet. I do get the Sunday paper and clip all the coupons and take them all with me but I really like the ideas of shopping with NO kids, using only cash, and shopping at more then one store. Thanks!!!

Karen Hellier (author) from Georgia on January 21, 2012:

Dear Carozy,

You're welcome. I hope you find them useful to save money!

carozy from San Francisco on January 20, 2012:

Very thorough and helpful article. Great ideas, thanks for sharing.

Karen Hellier (author) from Georgia on January 20, 2012:

Well, that is a good point. I am sure you do a good job of staying on your budget a good Coupon Lady would! :0)

Shasta Matova from USA on January 19, 2012:

They call me Coupon Lady too! These are all great tips. I do use my credit card though, because it gives me rewards points as a bonus.

Karen Hellier (author) from Georgia on January 18, 2012:

I would say it would depend on the husband. If the husband has the patience to be with his wife, or better yet, help her match coupons to sales and products, without getting frustrated that this process takes longer than the normal shopping trip, then by all means he should go along. He may even find some deals she misses...or if it's a guy who is the main shopper and the wife can help, shopping together can be fun,a bit quicker, and even more profitable!

Chuck on January 17, 2012:

You stated that you should never go shopping with your childre. What about if your husband wants to accompany you and help put the groceries in the car? There are some husbands who would love to go with their wives!

Karen Hellier (author) from Georgia on January 16, 2012:

Hi greatparenting! If you want to save big money on a shopping trip, I don't recommend it, but certainly it's a great way to teach kids the joys of couponning...a few coupons at a time. It's too hard and distracting to do a major shopping trip with children along. I used to bring my kids along, on smaller trips when I was buying and using coupons on smaller orders.

greatparenting from philadelphia, pa and corolla, nc on January 16, 2012:

Never go shopping with your kids? I must disagree. Go with them and teach them the joys of couponing. It's a life skill they'll use and they can and should be helpful during the trip.