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    LIVING ON LESSBy Trisha Pull

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    I. INTRODUCTION

    A HISTORY OF FRUGALNESS

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    PART ONE: 3 STEPS TO SLASHING YOUR GROCERY BUDGETI. Make a Plan & Stick With It

    II. Cease Being A Loyal Customer

    III. Stock Up

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    I. DONT GO WITHOUT A PLAN

    Two lists needed for every grocery store trip: A Meal Plan

    A Shopping List

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    TARGETPRICELISTF

    ROMSA

    MS

    Category Item Cost Location

    BabyCare Wipes .02/wipe SAMS

    BabyCare Huggies

    Diapers,Size4 .22/diaper SAMS

    BabyCare

    Huggies

    Diapers,Size1

    2 .15/diaper SAMS

    BabyCare Huggies

    Diapers,Size5 .25/diaper SAMS

    BabyCare Formula .38/oz SAMS

    Dairy YoPlait .45/cup SAMs

    Dairy Butter .88/lb SAMs

    Dairy Eggs .1/egg SAMs

    Dairy SkimMilk 2.12/gallon SAMs

    Dairy WholeMilk 2.42/gallon SAMs

    Dairy CheddarCheese 1.85/lb SAMs

    Dairy MozzarellaCheese 1.64/lb SAMs

    Dairy CheeseSticks .14/stick SAMs

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    TARGETPRICELISTF

    ROMSA

    MS

    Category Item Price Location

    Cleaners Cascade 19/load SAMS

    Cleaners Tide .16/load SAMS

    Cleaners Electrasol .16/load SAMS

    PaperProducts Bounty .88/roll SAMS

    PaperProducts ToiletPaper .25/roll SAMS

    PaperProducts PuffsPlus .01/tissue SAMS

    PaperProducts TrashBags .06/bag SAMS

    DryGoods Flour(25lb) .35/lb SAMS

    DryGoods BreadFlour .35/lb SAMS

    DryGoods Yeast .13/oz SAMS

    DryGoods BrownSugar .68/lb SAMS

    DryGoods Sugar(10lb) .44/lb SAMS

    DryGoods Sugar(25lb) .50/lb SAMS

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    TARGETPRICELIST

    Southern Savers

    Target Price List

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    II. CEASE BEING A LOYAL

    CUSTOMER

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    II. CEASE BEING A LOYAL

    CUSTOMERCategory Item Price Store

    Cleaners Cascade .19/load SAMS

    Cleaners Electrasol .16/load SAMS

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    III. STOCK UP How to Stock Up

    Loss Leaders

    Stockpiling Examples

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    III. STOCK UP

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    III. STOCK UP

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    III. STOCK UP Stockpiling Items

    Staples

    Items your family consumes regularly

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    REVIEW:

    3 STEP TO SLASHING YOURGROCERY BUDGET

    I. Make a Plan & Stick With It

    II. Cease Being A Loyal Customer

    III. Stock Up

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    PART TWO: SAVING EVEN MORE

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    I. COUPONING Coupons alone can often save you around 20% off the

    retail price of an item

    Stockpile Savings Plus Coupon Savings Crackers

    Regular Price - $3.00/box OR $6.00/week

    Sale Price $1.38/box OR $2.76/week

    Add $1.00/2 Coupon

    Final Price - $ .88/box OR $1.76/week OR $12.32/7weeks Savings Breakdown

    Regular price - 38.76/7 weeks

    Sale price - $19.32/7 weeks or 50%

    Sale + Coupon price - $12.32/7weeks or 68%

    Yearly Savings Regular price = $287.93

    Stockpiling price = $143.52

    Stockpiling + Couponing price = $91.52

    Stockpiling savings = $144.41

    Stockpiling + Couponing savings = $196.41

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    I. COUPONING Chicken

    Regular Price - $3.99/lb. OR $7.98/week

    Sale Price - $1.99/lb. OR $3.98/weekAdd $3/15 Coupon

    1.99/lb. x 7.6 lbs = $15.12

    Minus 3.00 coupon = $12.12

    Final Total = $12.12 or $1.59/lb.

    Savings Breakdown Regular price = $47.88

    Sale Price = $27.86 or 46%

    Sale + Coupon price = $22.26 or 54%

    Yearly Savings Regular price = 385.25

    Sale Price = 206.96

    Stockpiling + Couponing price = $165.36

    Stockpiling savings = 178.29

    Stockpiling + Couponing Savings = $219.89

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    I. COUPONING Summary

    Savings in two areas:

    Crackers $196.41

    Chicken $219.89

    Total Savings = $416.30

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    I. COUPONING Finding Deals

    Blogs & Websites

    From Southern Savers Matchup:

    Millstone Coffee 11oz, at $7.79 ($3.89)

    -$1 off Millstone Coffee, tearpad-$1 off Millstone Coffee, RP 8/23 (makes it $2.89 ea)

    Progresso Soup at $2.69 ($1.34)-.25/1 Progresso High Fiber Soup SS 10/04

    -.50/2 Progresso Soup SS 10/04 (makes it 34ea)-$1/4 Progresso Soup SS 9/13-$1.10/3 Progresso Soup printable-$1/3 Progresso Soups printable

    Sargento Shredded Cheese 8oz, at

    http://print.coupons.com/couponweb/index.aspx?pid=13903&nid=10&zid=xh20&cid=0&bid=1018300001http://www.bettycrocker.com/coupons-promotions/coupons/default.aspxhttp://www.bettycrocker.com/coupons-promotions/coupons/default.aspxhttp://print.coupons.com/couponweb/index.aspx?pid=13903&nid=10&zid=xh20&cid=0&bid=1018300001http://www.bettycrocker.com/coupons-promotions/coupons/default.aspxhttp://www.bettycrocker.com/coupons-promotions/coupons/default.aspxhttp://print.coupons.com/couponweb/index.aspx?pid=13903&nid=10&zid=xh20&cid=0&bid=1018300001
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    I. COUPONING Getting Coupons

    Sunday Paper Inserts

    Internet

    Store Websites

    In Store Coupons

    Purchasing Coupons

    Coupon Awareness

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    I. COUPONING Getting Organized

    Time Management Clipping Coupons

    Start Slow & Small

    Getting all the deals

    The Balancing Act

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    PART THREE:

    STRETCHING YOURDOLLAR EVEN

    FURTHER

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER Warehouse Clubs

    Rebates Online Offers

    Drugstores

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER Rite Aid Single Check Rebates Explained

    Rite Aid advertises: Buy Dove Shampoo for 6.00, get 6.00 Single Check Rebate

    (SCR)

    Buy Colgate Toothpaste for $2.99, get $1.00 Single Check

    Rebate (SCR) Buy Zyrtec Allergy Medicine for $15.00, get $10.00 Single

    Check Rebate (SCR)

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER Scenario #1

    Purchase Only

    Buy Dove Shampoo for $6.00

    Pay Cashier

    Submit Receipts

    Get SCR at end of the month for $6.00 FREE shampoo

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER Scenario #2 Purchase + Manufacturer Coupons

    Buy the following: Dove Shampoo - $6.00

    Colgate Toothpaste - $3.00

    Zyrtec - $16.00

    Total - $25.00 Give Cashier the following coupons

    Dove Shampoo - $2.00

    Colgate Toothpaste - $1.00

    Zyrtec - $4.00

    Pay Cashier - $18.00 + tax

    Receive SCR for:

    Dove - $6.00

    Colgate - 1.00

    Zyrtec - $10.00 Total SCR - $17.00 (paid $1.00 + tax for everything!)

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER Scenario #3

    Purchase + Manufacturer Coupons + Rite Aid Coupons

    Buy the following: Dove Shampoo - $6.00

    Colgate Toothpaste - $3.00

    Zyrtec - $16.00

    Total - $25.00

    Give Cashier the following coupons Dove Shampoo - $2.00

    Colgate Toothpaste - $1.00

    Zyrtec - $4.00

    Rite Aid Zyrtec coupon - $2.00

    Pay Cashier - $16.00 + tax

    Receive SCR for: Dove - $6.00

    Colgate - 1.00

    Zyrtec - $10.00 Total SCR - $17.00 ($1.00 profit for everything!)

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER Scenario #1

    Purchase only Purchase Dove Shampoo

    Pay 6.99 + tax

    Receive 6.99 ECB

    (ECBs always print at the bottom of the receipt)You can use this $6.99 ECB to purchase another Dove for FREE

    and it will print another $6.00 ECB

    You can use this $6.00 ECB to buy whatever you want in the

    store.

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER Scenario #2

    Purchase + Manufacturer Coupon Purchase Dove Shampoo for 6.99

    Present $2.00 Manufacturer Coupon

    Pay $4.99 + tax

    Receive $6.99 ECB back ($2.00 moneymaker)

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER Scenario #3

    Purchase + Manufacturer Coupon + CVS

    Coupon Purchase Dove Shampoo for 6.99

    Present cashier manufacturer coupon for $2.00

    Present cashier CVS Coupon for $2.00 Pay $2.99 out of pocket (oop)

    Get $6.99 ECB back ($4.00 moneymaker)

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    STRETCHING YOUR DOLLAR EVEN

    FURTHER Scenario #4

    Purchase + Manufacturer Coupon + CVS

    Coupon + $/$$ coupon Purchase Dove Shampoo for $6.99 x2 (limit 2),

    Purchase Gold Emblem