The document provides information about saving money through couponing including: - Wisdom and wealth are better when paired together according to scripture. - Locating coupons in newspapers, magazines, stores, and online. - Items that are best to never pay full price for like toiletries and paper products. - Store coupon policies for doubling and tripling coupons. - Websites and resources for coupon finding and organization. - Tips for knowing when to buy one item versus stocking up. - Examples of savings from coupon stacking and store promotions.

1. “ Wisdom energizes its owner …” Ecclesiastes 7:11-12 + = WISDOM

2. Wisdom is better when it’s paired with money, Especially if you get both while you’re still living. Double protection: Wisdom and wealth! Plus this bonus: Wisdom energizes its owner. Ecclesiastes 7:11-12

3. THRIFTINESS vs. Extravagance Not letting myself or others spend that which is not necessary. Luke 16:11

6. Store Policies Publix – doubles up to $.50 EVERYDAY, will take all local competitors coupons Bi-Lo – doubles up to $.60 EVERYDAY, will take some local competitors coupons Ingles – doubles up to $.50 EVERYDAY with a minimum purchase Bloom – doubles up to $.50 EVERYDAY will triple on occasion Food Lion – does not double will triple on occasion

7. Couponing Websites www.afullcup.com www.southernsavers.com Clipping Service www.thecouponclippers.com Tracker

10. Original price $3.89 each BOGO price $3.89/2 = $1.95 each Coupon $1 off = $0.95 each Final price for cereal $0.95 per box CEREAL

11. Original price $1.29 each BOGO price $1.29/2 = $0.65 each Coupon $0.60 off 2 = $0.35 each Final price for item $0.35 per item Pasta Sides

12. Original price $7.49 each BOGO price $7.49/2 = $3.75 each Coupon $2.50 off = $1.25 each Final price for item $1.25 per item Detergent

13. Original price $1.29 each BOGO price $1.29/2 = $0.65 each Coupon $0.20 off = $.40 each ( doubled ) Final price for item $0.25 per item Pantry item

14. Original price $1.49 each BOGO price $1.49/2 = $0.75 each Coupon $1 off 4 purchase 4 = $3 Price with coupon = $2 for 4 Final price for item $0.50 per item Pantry item

15. Original price $6.00 each BOGO price $6.00/2 = $3.00 each Coupon $1 Price with coupon = $2 Final price per box $2.00 per box Frozen Pizza

16. Sorting Categories Pantry – Canned goods Rice and Pasta Bread Coffee / Tea / Juice Snacks / Crackers Cereal / Breakfast Items P.B. & Jelly Condiments – Marinades Dressings Ketchup / Mustard / Mayo Baking Supplies – Spices Cake mix & Icing Sugar & Flour Dairy – Yogurt Meat, Cheese Butter etc… Produce Section Cookies / Bread Juice Freezer – TV Dinners/Pizza Bread Breakfast Deserts Cleaners – Laundry Dish Soap Everyday Cleaners Paper Products – Paper Towels Napkins Toilet Paper Trash Bags Foil, Saran Wrap etc... Ziploc Bags, Containers Plates / Cups etc… Toiletries – Teeth care Shampoo/conditioner Deodorant Soap (Hand, Body, Bar) Razors Lotion Feminine Products Face Care / Make-up First Aid Baby Goods – Diapers and Wipes Household –Candles/Fragrances Office Supplies Medicine – Vitamins Cold / Flu Pain Reliever Nose / Eye Care Pet Foods – Dog / Cat Food Dog / Cat Treat

17. With the 9 in front of the number, the coupon will NOT double/triple MANUFACTURER'S COUPON I EXPIRES 3/31/10 50* OFF Any One (1) package of Hefty® plates or cups

18. With the 5 in front of the number, the coupon will ALWAYS double/triple MANUFACTURER'S COUPON I EXPIRES 3/31/10 50* OFF Any One (1) package of Hefty® plates or cups 5

19. C V S spend $15 get $5 extra bucks

20. Rolling example 1: Started with $3 ECB Transaction #1 Cottonelle Flushable Wipes $5.98 minus the $3 ECB My Total was $2.98 I RECEIVED $3 ECB Transaction #2 Colgate Toothpaste 2/$5 $1.50 mfg coupon Total was $3.50 I used my $3 ECB from transaction #1 Total was $0.50 I RECEIVED $3 ECB Transaction #3 Fructis Hairspray Total was $3.99 minus $1.00 mfg coupon Total was $2.99 I used my $3 ECB from transaction #2 Item was FREE RECEIVED $2 ECB Transaction #4 2 Liquid Dawn Dish Detergents $.97 each Total was $1.94 I used $2 ECB from transaction #3 Item was FREE I received $17 worth of products for $3.50!!!

21. Rolling Example 2: Started with $9 ECB Transaction #1 3 Adidas men’s deodorant – on sale for $3.99 Used 3 $1/1 mfg coupons Total was $9.54 I used $9 ECBs Paid $0.54 OOP Received $9 ECB

22. Rolling Example #3 Started with $4 ECB Transaction #1 2 Crest Toothpastes I used 2 $1/1 mfg coupons Total was $4.22 Used $4.00 ECB Paid $0.22 OOP Received $4.00 ECB!!

23. B1G1, BOGO, B1G1F – “Buy 1, Get 1 Free” $/$$ - Dollars off WYB XX dollars .50/1 - Fifty cents off one item . 50/3 - Fifty cents off 3 items DND5- Coupon says Do Not Double, but the bar code starts with a 5, most computers will still double it NED - No Expiration Date Blinkies - Coupon dispensed near product, in the store (usually from a “blinking” red box) Catalina - Coupon dispensed at the register at the time of purchase (on separate paper) Peelie - Coupon that you peel off the package Coupon Lingo & Abbreviations

24. Tear Pad - Pad of refund forms or coupons found hanging from a store shelf or display FAR - Free After Rebate IP - Internet Printable (a coupon you print off the internet) MFR - Manufacturer MQ - Manufacturer coupon MIR - Mail in Rebate OOP - Out Of Pocket PG - Proctor & Gamble Sunday insert coupons RP - Red Plum Sunday insert coupons SS - Smartsource Sunday insert coupons V - Valassis (former name of Red Plum inserts) FLIP - Food Lion Internet Printable Coupon Lingo & Abbreviations

25. Coupon Lingo & Abbreviations WYB - When You Buy WSL - While Supply Lasts SASE - Self Addressed Stamped Envelope CRT - Cash Register Tape (coupon that prints on your receipt) ECB - Extra Care Buck (CVS) ESR - Easy Saver Rebate (Walgreens) IVC - Instant Value Coupon (Walgreens store coupon, found in Walgreens Easy Saver Catalog and on in store tear pads) RR - Register Rewards (these are the Catalinas that print out at Walgreens) SCR- Single Check Rebate (rebate system at Rite Aid)