Tuesday, October 11, 2011

How to Cut Back on Monthly Expenses By Using Coupons

Saving money is often a challenge because it is difficult to determine where to cut out expenses. Though we all have little luxuries, cutting out that occasional cup of coffee or candy bar is not the only way to cut back on the monthly expenses and put a little extra cash in the bank. Coupons can also lower the cost of monthly charges and make it possible to lower the price of necessary items.

Cut Out Coupons from Newspapers:

Stores often put their coupons in newspapers, particularly if it is a grocery store. Pay attention to the coupons and cut out those that are necessary expenses purchased when buying normal groceries or items from the store. Using the coupons to get a better deal is not only a way to save a few extra dollars on the next grocery trip; it is also a way to get necessities purchased without the coupon for a lower price.

Use Online Coupon Links:

Coupon links for online store purchases can result in large savings, depending on the item and the store. The coupon links differ from other types of coupons because it is only used for online shopping and requires clicking on the link to activate. After the coupon link is clicked, the website will open and the discount is automatically taken off at checkout.

Look for Promotional Codes:

Promotional codes, which are often called promo codes, are available for online shoppers at almost any store. These are often short phrases or words that provide a certain discount. Most online stores will have at least one promotional code running throughout the year and the type of discount often varies.

In many cases, promotional codes will offer a discount percentage off a full purchase or will provide a certain amount off a specific item, depending on the code and the store. The variation can result in large savings when making online purchases. The codes are inputted at checkout in a small box asking for promo codes.

Prescription Coupons:

Though saving money on online shopping or grocery shopping is an obvious use of coupon codes or physically clipped coupons, it is also possible to save on prescription medications with coupons. Prescription coupons provide a discount on the medication or might offer a free trial of the drug. Many of these coupons are issued by the drug companies and it is possible to obtain low cost prescriptions through the use of a coupon.

This can save a large sum of cash, depending on the specific medication and the general cost.


Look for Coupons to Restaurants:

Restaurants, particularly those who offer delivery, often provide coupons. Family outings are much less expensive when using a coupon to a restaurant, particularly if the coupon is designed for eating in the restaurant rather than delivery. Use caution with this type of coupon, since many have hidden costs that might make it less of deal than anticipated.

Coupons can save a large sum of money when used in most shopping. While most of us are aware that grocery stores offer discounts via coupons, making use of online coupon codes or prescription coupons can compound the savings so that more money is making it into the bank each month.

Photo credit: Coupon for B&J's by Monsieur Gordon/flickr

As a stay at home parent, Mary Blanchard makes the most out of her budget by shopping with coupons. The Coupon Croc provides the best deals on what she needs most for her family.

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