We’d all like to save money each month, but how to go about it is another story. Start by making a budget; that scary, imposing, restrictive plan that keeps you in line. Only it doesn’t have to be that way, a budget is really only putting down on paper your priorities and recognizing you absolutely cannot spend more than you make in any given time period. It also, contrary to popular belief, doesn’t have to come together in one sitting, start the first month with just writing down general categories and amounts. Over time you can refine and fill it out more completely. It took us three months to get a good handle on our budget, each month getting more and more detailed, even today we are constantly adjusting the numbers.

Once you know where you money is going it is now time to start trimming the fat. If you look at your monthly expenses, looking to saving $500 it will seem overwhelming and impossible. But what if instead you looked at shaving a few dollars off each item? As we began looking at our budget we decided to go through and renegotiate each item we could. After knocking out the cable and downgrade our cellphone plan – saving $65, reviewing our car insurance and changing our coverage – $25 less and changing our restaurant habits to only twice a week. This all totaled approximately $125 a month in savings. Besides the mortgage payment, food and general merchandise are our biggest expenditures.

Even with the constant coupon clipping and avoiding the pricier groceries stores we couldn’t make the budget numbers and the real world numbers agree. That’s where web surfing finally began to payoff. There are plenty of websites out there that can multiply you efforts. The blogs that track specific stores rewards programs, letting you know what items are free or worth the most rewards points/bucks, will give you an edge. Lots of promotional programs let you trade your name and email address for free samples and /or coupons.

Also look to farmer’s markets and co-ops, we spend $17 every two weeks for $50 worth of fresh fruits and vegetables. Little by little we have shaved almost $200 off our monthly grocery bill.

Due to the fact that we didn’t start our marriage with the financial acumen that we now possess there is a tidy sum sitting on credit card balances. This can be a dangerous lever, waiting to dump us over the edge at a moments notice. We headed it off by finding a low APR, zero interest on balance transfer offer and moved everything we could onto that card. Then we proceeded to cut up our physical cards except for one emergency card and have begun applying the snow ball methodology. The snow ball theory has you paying off the lowest balance card while making minimum monthly payments on the others, as you pay off a card you roll what you had been paying on it into you payment on the next one. With this consolidation we erased about $50 a month in additional interest fees.

Lastly, we began looking at efficiency around the house and in our travel habits. By lowering the thermostat by 3 degrees and running only full loads in the dryer, we cut $15 off the electric bill. Using public transportation and walking for quick trips to the nearby store translated into more than half a tank of gas saved every two weeks; which at today’s price means $50 a month left in our pockets. Together we have identified our spending priorities, changed our spending habits and challenged ourselves to find fun and rewarding ways to save a little bit in each category on our budget. This has tallied up to savings of almost $400 a month, which comes in handy when saving for the next rain day.

For me, organization is the key to saving money with coupons. I work on finding and organizing coupons just once a week, and generally save $5 or $10 a week from my shopping bill. I search for online sites that offer coupons for the items I usually buy, and register and bookmark the pages for easy return. Some sites allow you to load coupons to a store card electronically. Others allow or require you to print the coupons.

Next, I check the local advertisements, and once I know what products are being offered for a good price, I pull out any coupons that can be used on my next shopping trip. I also use some higher-denomination coupons to try out a new but higher-priced item, or to occasionally splurge a bit on a special item. Since an expired coupon is a useless coupon, I keep the printed versions in a small tabbed file container, about the size of a recipe file box. Each coupon is stored according to its expiration month, so I never encounter problems at the checkout counter.

When I am in the store aisles browsing merchandise, I compare prices associated with the coupon-item I’m thinking of buying. If there is another acceptable brand that would be less than the discounted item, I put the coupon away for later use. It is important to check whether a coupon discount will really get you the best deal. Sometimes there are other offers that beat the coupon you have – a different size that is even less expensive, or an in-house sale price that cannot be combined with coupons, for example. By using coupons to look for the best deals, I also learn to shop with discrimination. It pushes me to check the price-per-unit of a grocery item, and to consider no-names or generics.

Coupon use also helps me to plan out my shopping, rather than pick up items from memory (or impulse) as I go down the aisles. I am sure that focusing on coupons, and the list of items I intend to buy, has saved me even more than just the coupons alone. Remember to toss out expired coupons, and to share higher denomination coupons with friends who may want them. You can find coupon sharing clubs on the internet, at church, work, or through you network of friends. Everyone enjoys getting a good deal, and if all else fails, I’ll leave an unexpired coupon (for something I have decided not to buy) right next to the product on a store shelf. Who knows, the next person to come along may be looking for that exact item and use the coupon themselves!

Coupons are great. There’s various types of coupons that can save you money in supermarkets, gas stations, restaurants and movie theaters. My husband is retired and I’m approaching that while self employed. So saving on expense helps us a great deal. On Sundays, we get coupons with the Sunday newspaper. I keep a folder to keep them in. The most economical way to use coupons is to purchase items you normally purchase or maybe just another name brand for an item you tend to purchase, perhaps, like granola bars. We have the advantage at one of our supermarkets that they double the value of the coupon as long as it’s $0.99 or less. So, if there’s a coupon for $0.50, then the item sells for $1.00 less at this particular supermarket. This supermarket called Giant Eagle in our town also gives you $0.10 off per gallon for every $50 you spend in their store. This keeps accumulating for several months if you wish. So, let’s say you have accumulated $0.60 off per gallon, you have to go to this specific gas station to get the discount on your gas. So, besides doubling coupons, they have this added advantage.

Then there’s also the Entertainment Book we have specifically for our district in Ohio. This book contains hundreds of coupons. The book isn’t free but right after Christmas it sold for 19.99 online instead of the 30.00 which it normally sells for. There are a lot of coupons for fast food restaurants where you get possibly a drink for free, or you buy one and get one free. That comes in handy. Also, there’s a dining card attached to the book and you can go to any of the selected finer dining restaurant and get a substantial discount on two meals possibly up to $15.00. Movies are half the price if you purchase the tickets ahead of time with the coupons. All sorts of entertainment events offer coupons as well.

You can also find coupons online just by Googling the restaurant or place. It’s almost a shame to purchase anything without a coupon. Often pharmacies have specials. Stores like Kohl’s or JCPenney’s offer coupons to credit card members that are fairly good anywhere from 15% to 30%. I always feel like I’m robbing the bank when I get a great deal. Just the act of searching and finding a great coupon in the newspaper or online is entertainment in itself.

Recently, my wife and I had some guests over to visit. While here, one of the guests used the restroom on the main floor of our home, where we have a large closet where we store supplies over the long haul. She observed that there were about twenty bars of soap, several bottles of Old Spice body wash, several large bottles of shampoo, and six boxes of our son’s favorite breakfast cereal (Yogurt Burst Cheerios) stowed away in there, and when she came out, she made a half-curious and half-sarcastic comment about them.

Here’s the real scoop: every item listed above cost us less than a dime. In each case, we saw a tremendous buying opportunity matching coupons to a sale and we simply stocked up big time on those items, leaving us with a large closet stuffed full with unusual items. I like to call it anticipation buying.

Anticipation buying revolves around four distinct principles.

First, there are some items that we will continually use over time. Soap, shampoo, oatmeal, Yogurt Burst Cheerios (without them, our son would riot), flour, sugar, some fruit juices, milk, coffee, razor blades, toilet paper – these are items that we use over and over again and continually need to stock up on. Because we’re aware of this, we can use a specific plan of attack for these items to get low prices on them.

Second, there are irregular opportunities to find such items on sale. These items pop up on sale on a completely irregular basis. Brand A shampoo might be on sale one week, then two weeks later Brand B will be on sale. Not only might national brands be running a promotion where items are on sale in stores, but individual stores might select different loss leaders to get people in the door.

In order to keep up on these individual sales, we just follow the grocery flyers in our Sunday paper (and in other flyers we get in the mail throughout the week). I usually have flyers for all of the local grocery stores and I keep an eye out for their big sales by reading their flyers each Sunday over breakfast.

Third, there are irregular opportunities to find strong coupons on such items. I clip every coupon for items in the above categories that are of acceptable brands from the Sunday paper, and if I see a very good coupon, I’ll stop at the local convenience store early on Monday morning and ask for the inserts out of the old Sunday papers (the cashier always says “Sure” and I start scavenging for coupon inserts). Sometimes, I can get as many as fifteen of the good coupons – if they’re for $1.50 off an item I know we’ll use frequently, it’s like cash in the pocket.

So, we patiently clip all coupons for these items and save them until there’s a sale, then stock up. I have the coupons. I have the flyers. I then just wait for them to sync up. Usually, it happens about a month or so after I clip the coupons one month coupon strategy at work).

Another tactic to note: quite often, individual store flyers will have coupons that match the manufacturer’s coupons you have. Often, you can use these coupons simultaneously. So, let’s say my local Fareway ad has a coupon letting me get Herbal Essences shampoo or conditioner for $1.99 a bottle (limit 6) and I have three “save $3 on 2 bottles” coupon from the manufacturer. I just take all of them there and walk out with good shampoo and conditioner for $0.49 a bottle.

Here’s a real-world example. Recently, I had several copies of a coupon that permitted me to save $3 on any two bottles of Old Spice body wash. I waited until I noticed a sale – and not long ago, there was one at a local Walgreen’s. The individual bottles were $1.79 on sale there. I took in my wad of coupons and picked up ten bottles, paying $0.29 a bottle. I walked out of the store with ten bottles of soap, having spent less than $4 total – and it was just a five minute stop on my normal shopping trip. That’s how you save money.

What’s the long-term effect? The result from doing this regularly is quite interesting. Our regular shopping lists almost never have these “anticipation” items on it. Instead, they almost always just list the food items we need for the week, which means that at the grocery store, we rarely even visit big sections of the store. We mostly visit the produce aisle, the meat counter, the dairy area (for milk, etc.), and a few other specific places (pasta, canned items, bread when I’ve not made any), and that’s about it. Our grocery bills are cheaper and our shopping trips are actually quite a bit shorter because we’re not going over to the far side of the store to pick up shampoo or toilet paper – the time invested in executing this strategy is partially redeemed on ordinary shopping trips.

When I first started The Simple Dollar, I had a very simple coupon strategy that didn’t save me a whole lot of money. It’s been fun to watch the strategy evolve over the years – first syncing it with a grocery list and evolving that strategy a bit, then discovering the figuring out how sales and coupons synchronized and now evolving that strategy a bit. I used to believe that perhaps coupons weren’t worth the time invested, but I’ve found more and more that if you do it intelligently, there are some serious savings to be had – and it doesn’t take as much time as you might think.

Clothing

* Buy only because you need clothing and buy only those items that will fit into your present wardrobe. If you are choosing between two outfits, buy the one that goes best with what you already have.

* Buy good, usable clothing from thrift shops, garage sales, warehouse outlets, discount centers, and yard sales. Check any purchases first for stains or worn spots.

* Make purchases during sales time: clearance, end-of-month, or end-of-season.

* Buy versatile clothes that will expand your wardrobe, i.e., a sweater you can wear with two pairs of slacks you already have.

* Instead of buying new clothes, buy accessories that give a new look to the clothes already in your closet.

* Buy multi-season clothes such as an all-weather coat with a zip-in lining.

* Remodel or recycle an outfit you already own.

* Use cloth diapers and launder them yourself.

* If you know how to sew, consider saving by sewing your own clothes, but estimate costs carefully. You may be able to buy certain items on sale for less than you would spend on fabric and supplies.

* Share or trade sewing skills with family members or others in your community.

* Swap outgrown children’s and/or maternity clothes with neighbors or friends. Consider doing the same with shoes, ice skates, sports equipment, baby accessories, activity or school uniforms, etc.

Clothing Care

* Always consider care costs before purchase by checking the care label. Washing by machine costs less than dry cleaning.

* Keep clothes clean and in good repair. Remove stains promptly.

* Store clothes properly to protect from sun, moths, mildew, stretching, etc.

* Protect shoes and other leather items from water and salt stains.

* Buy minimum-care clothing: washable, dark colors. Dark clothes usually show wear less than light colors — especially coats, slacks, etc.

* Use self-dry-cleaning services and dry-clean your own clothes. Make sure all stains are removed before dry-cleaning. Self-dry-cleaning kits don’t usually work well on oil-based stains such as lipstick, grease, butter, etc.

* Share a dry-cleaning load with a friend if you don’t have enough for a full load.

Personal Care

* Use a mixture of baking soda and salt for brushing teeth.

* Buy personal care items from discount stores or wherever you find a personal care product on sale.

* Buy necessary items such as shampoo and toothpaste at reduced prices when stores offer “specials.” Stock up on specials but no more than you can reasonably use within the life of the product.

* Compare generic, store, and national prices — you may be paying for advertising.

* Give haircuts and permanents at home. Adopt a hair style you can manage yourself and which doesn’t need expensive care products and/or upkeep.

* Try inexpensive cosmetics. Similar ingredients are used in like cosmetic products. The difference in price is often due to promotion and advertising costs.

* Watch for coupons and rebates for personal care products.

If you’ve ever heard the advice, “never go to the grocery store without a list or when you’re hungry,” chances are you know why: you’re likely to buy more than you need and spend more, too. Regardless of where you’re shopping and how you pay for your purchases, remember to:

1. Shop around. A “sale” price isn’t always the “best” price. Some merchants may offer a sale price on the item you want for a limited time; other merchants may offer items at a discount everyday. Other merchants may offer a deep discount on one item – but only if you agree to spend a minimum that is several hundred dollars more.

2. Go online. Check out websites that compare prices. If you decide to buy from an online merchant, keep shipping costs and delivery time in mind.

3. Look for price matching policies. Some merchants will match, or even beat, a competitor’s prices.

4. Clip coupons. Coupons are useful when they save you money on what you’re already planning to buy. You can find some coupons in the Sunday paper or often, at coupon exchanges at your local library. Or you can download others – full coupons or simply codes – from manufacturer and retailer sites online. If you are shopping online, you simply enter the code at checkout.

5. Use debit and credit cards sparingly. To minimize interest and other charges, try to limit credit card purchases to an amount you can pay in full at the end of the month. If you use a debit card, don’t rely on an overdraft feature to spend money you don’t have. When you leave your house, carry only the card you may need to use rather than all your cards “just in case.”

6. Keep track of your spending. Incidental and impulse purchases add up. Jotting down what you spend after every purchase helps keep you mindful of your limits. At least once a month, use credit card, checking, and other records to review what you’ve bought. Then ask yourself if it makes sense to reallocate some of this spending to an emergency savings account.

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Cut Your Grocery Budget

2. Plan out a weekly menu. This is the best way to ensure that your list is complete, and that you have enough to serve your family dinner for the week. I often plan a weekly menu and then duplicate it for the next week — this way I can shop for two weeks at once. Be sure to plan a leftovers night.

3. Don’t go when you’re hungry. This is a common tip, but it’s true: when you’re hungry, you want to buy all kinds of junk. You’ll end up spending a lot more. Eat a good meal first, and you’ll be more likely to stick to your list.

4. Have a budget. When I go to the store, I know exactly how much I can spend. Then I try my best to stick within that limit. If you don’t know how much you can spend, you’ll certainly spend too much.

5. Do a rough running tally. Related to the above tip, if you want to stay within your budget, it’s best to know where you’re at. Then, when you can see you’re going to go above it, you can decide whether you really need that 10-lb. box of bon bons. I keep a running tally on my grocery list, just rounding off so I can do some quick math. An item costs $1.85? I say $2. Then I don’t need a calculator or all those complicated math skills.

6. Keep a list on your fridge, and write things down immediately. When you run out of something, don’t leave it to your memory. Jot it down immediately, and you’ll never have to run back to the store because you don’t have eggs.

7. Make a pantry checklist. Make a checklist of everything you normally stock in your pantry. Keep it posted on the pantry. Put a slash next to each item for the number of items you have (if you have two cans of stewed tomatoes, put two slashes). Then, when you use something, turn the slash into an x. This makes it much easier when it comes time to make your list.

8. Keep things stocked for quick-n-easy meals. Easy meals for us might be spaghetti or mac-n-cheese or a quick stir-fry. We’ve always got the ingredients on hand, so we can whip something up fast when we’re feeling lazy.

9. Buy in bulk when it makes sense. If you can save money, over the course of a month or two, by buying in bulk, plan to do so. But be sure that you’re going to use all of it before it gets bad — it isn’t cheaper to buy in bulk if you don’t use it.

10. Keep your receipts, then enter into a spreadsheet. This will be your price list. Use it so you know when bulk or sale items are a good deal. It’s also a great way to comparison shop between stores — buy your baking goods in Store A but your fresh fruits in Store B. The spreadsheet can also serve as a checklist to use when you’re compiling your shopping list.

11. Buy frozen veggies. While fresh veggies are a little better, frozen veggies are almost as good, and much better than nothing. And since you can keep them in the freezer, they rarely go bad.

12. When you’re running low, write it down. Don’t wait until you run out. when you see there’s only three toilet paper rolls left, put it on your list. Because when you run out, it will be too late.

13. Cut back on meat. Meat is expensive. We have vegetarian meals several times a week (think pasta or chili) and for other meals, you could just use a little meat as a kind of seasoning instead of the main ingredient — think Asian, Indian and other such cultural food. Actually, I eat vegetarian all the time, but the wife and kids do a little of each.

14. Pack your own lunch snacks. Buying pre-made snacks is convenient, but a big waste of money. Buy little baggies and buy the snacks in bulk, then it will take just a few minutes to pack some snacks for lunch each day.

15. Make leftovers for lunch. Plan to cook a bit extra for each dinner, so that you’ll have leftovers for your lunch and for the kids’ lunches. Pack it right away, after dinner, so you don’t have to worry about it in the morning.

16. Cook a lot, then freeze. Alternatively, you can cook a whole mess of spaghetti (for example) and freeze it for multiple dinners. A great idea is to use one Sunday and cook a week’s (or even a month’s) worth of dinners. Plan 5-6 freezable dinners and cook them all at once.

17. Always have batteries, toilet tissue and light bulbs. And other necessities that you always seem to run out of — buy a whole bunch when they’re on sale, or buy in bulk. Be sure to check to see if you have these items before you go to the store.

18. Try crock pot dinners. We discovered these in the last year, and they are easy and cheap and tasty. Cut up a bunch of ingredients, throw them in the pot in the morning, and have dinner ready for you when you get home. Can anything be more perfect than that? I submit that it cannot.

19. Clip coupons. I know, sometimes they seem like too much trouble. But it’s not really that hard to clip a few coupons and toss them in a coupon envelop to take on your grocery shopping trip. And you can save 10-20% of your bottom line with coupons. Check store entrances, newspaper and flyers for coupons.

20. Only use coupons for items you were already planning to buy. Don’t let them trick you into buying something that’s not on your list, just to “save” money.

21. Look for specials. Every store has specials. Be sure to look for them in the newspaper, or when you get to the store (they often have unadvertised specials — look on the higher and lower shelves for deals). Don’t buy them unless they’re things you always use.

22. Try the store brands. Brand names are often no better than generic, and you’re paying for all the advertising they do to have a brand name. Give the store brand a try, and often you won’t notice a difference. Especially if it’s an ingredient in a dish where you can’t taste the quality of that individual ingredient.

23. Cut back on your “one-item” trips. They waste gas, and almost inevitably, you buy more than that one item. If you plan ahead, make a weekly menu, and shop with a list, this should drastically reduce the number of trips you make for a small number of items. But if you still find yourself running out for a few items, analyze the reason — are you not making a good list, are you forgetting some items from your list? Stock up on the things you frequently go out for.

24. Sugar cereals are a bad buy. Lots of money for no nutrition. Look for whole grain cereals with low sugar. Add fruit for better flavor.

25. Be watchful at the register. Keep an eye on the scanner — you’ll keep the cashier on his toes, and catch any mis-priced items.

26. When there’s a sale, stock up. Sale items can be a great deal. If it’s an item you normally use, buy a bunch of them.

27. Comparison shop. Look at the different brands for a certain type of product, including store brands. Sometimes there will be a significant difference. Be sure you’re comparing apples to apples — you need to divide the price by the amount (ounces, pounds, etc.) in order to get the comparable unit price.

28. Go during slow times. One of my favorite times to shop is late at night. But during working hours or other non-peak times is good too. Avoid right after 5 p.m., on paydays and near major holidays.

29. Know when the store stocks its fresh fruits and veggies. In my area, that makes a big difference. Fruits and veggies can go bad quickly, because they have to be shipped. So I know that the store re-stocks on Thursdays, and so I usually go on Thursdays or Fridays, otherwise I’ll be getting old items.

30. Plan one big trip a month for bulk staples. You can get fresh items at another store on other weeks, but doing a big bulk trip will cut back on the expense and amount you have to carry for the other three weeks. Avoid buying on impulse at the bulk store too — just because they sell a lot of it doesn’t mean you’re saving, if you weren’t planning on buying it in the first place.

31. Avoid trips to the corner store. Or the gas station! These are some of the most expensive stores. (Ranking right up there with airport stores.)

32. Try co-ops. You can often save a lot of money at these types of places for staples.

33. Consider shopping at two stores. There’s no store with a monopoly on savings. Each has savings on different items on different weeks. You might switch between two stores on alternate weeks.

34. Think deep freeze. If you really want to save, you’ll need a big freezer. Ask around — someone you know might have a relatively new model they don’t need anymore. You can use freezers to stock up on meat, frozen veggies, and similar staples, and to freeze big batches of pasta, casseroles, and other dinners you prepare ahead of time.

35. Use everything possible. Got a bunch of leftover ingredients (half an onion, a bit of tomato, some pasta, a few other veggies?) … combine them for a quick meal, so that these don’t go to waste before your next grocery trip. The more you can stretch the food, and the less you waste, the less you’ll spend in the long run.

36. Don’t waste leftovers. Have a list on your fridge of what leftovers are in there, so you don’t forget about them. Plan a leftover night or two, so you’re sure to eat them all. Pack them immediately for lunch, so they’re ready to take the next morning.

37. Don’t buy junk food (or buy as little as possible). Junk food not only costs a lot of money for about zero nutrition, but it makes you and your family fat and kills you. Talk about a bad deal! Opt for fruits and veggies instead.

38. Rain check. If an item is on sale but the store has run out of stock, ask for a rain check.

39. Go when the kids are in school. When you bring kids, they will pester you and pester you until you buy some kind of junk food. Even if you’re able to stick to your guns, it’s not pleasant saying no 10 million times. In most cases, you’ll save money shopping without the kids.

40. Go for whole foods. The processed kind is lacking in nutrition and will make you fat. Look for things in their least processed form — whole grain instead of white or wheat bread, fresh fruit instead of canned or juice, whole grain cereal or oatmeal instead of all other kinds of cereal. You get the idea.

41. Read labels. Look for trans fat, hydrogenated oils, high amounts of sugar, saturated fat, lots of sodium, cholesterol. Then avoid them like the plague. Look instead for fiber, good fats, protein, vitamins, calcium.

42. Clean out your fridge. You’ve got stuff growing in there and turning from solids to liquids. The leftovers have begun to organize their own political party. Toss em out and make room for the new.

43. Stick to your list. Avoid impulse buys. They are almost always bad, and even if it’s just a couple dollars, they will add up to $50-100 for a trip. Over the course of a year, that can mean thousands. Tell yourself you will not buy anything that’s not on your list unless it’s an absolute necessity (why isn’t toilet paper on my darn list?).

44. Use store savings cards. These can add up to big savings over the long run.

45. Cut back on your restaurant eating. It’s never cheaper or more nutritious than eating at home. Plan your dinners (see above tip) and bring your lunches to work and save a ton of money.

46. Avoid frozen dinners or prepared entrees. Again, these cost way more and are usually much less nutritious.

47. Drink water. If you regularly drink iced tea, Tang, sodas or other types of drinks, cut those out completely and just drink water. It’s much better for you, and much cheaper.

48. Prepare your grocery list by aisle. If you regularly shop at the same stores, organize your list so that you can easily find and check off items as you walk down the aisle. We always shop from right to left, so we’re not constantly running back and forth in the store.

49. Get cloth grocery bags. You’ll save tons of plastic over time, and help the environment tremendously.

50. Pack healthy snacks for the kids. Whole wheat crackers, popcorn, cut-up fruit, raisins, and other kid-friendly snacks are much better than the junk you often see in kids’ lunches. And cheaper.

By Leo Babauta who writes at ZenHabits.net
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