Should a frugal gal use coupons or should she not? Do coupons really save money or do you just end up spending money that you would have not spent?

I go back and forth on this topic and it really depends on where I am doing my shopping. When I shop exclusively at Aldi, I can’t use my coupons. When I shop at other stores, it is usually a toss up on whether the generic is the better deal versus the brand-name with a coupon.

You will talk to some people and they are nuts for coupons and their receipts really prove it. Others of us, don’t believe all of the hype and say it is a waste of time and effort.

Since I started doing more of the drugstore rewards, in conjunction with my Aldi trip, I have found that it is possible to get items for free or really inexpensively. You could say that I am becoming a believer again in all of the coupon hype.

Here are some of the tips that I have used to help me follow the path towards coupon savings:

– Organize your coupons in a way that works for you. I have heard everything from shoe boxes to baseball card collection holders can be great ways to organize your coupons. Each person has a different system of organizing, just do what works for you. For me, I like to categorize them and then arrange by dates. I have also been known to lump everything together and then arrange by dates, to insure that I use the coupons before they expire. Right now I am finding categories works a little better for me so that is what I am doing at this point. My arrangements do change, depending on my mood.

– Make sure you put your coupons in a place that you will always have them when you need them. There is nothing worse than having all of your coupons cut and organized, only to discover that they are not with you when you need to do your shopping. Try storing them in your purse or in your car so that you will have them when you decide to make a quick stop at the store.

– There are only savings to be had if you are buying something because you normally use it and would have put it on your grocery list anyway. If you are using a coupon to just get a quarter off and this still leaves you footing a $4 tab, then using the coupon is actually doing a disservice to your budget instead of benefiting it.

– When I first started learning about coupons, I actually was pretty confused. What is the difference between the manufacturer coupons versus the store coupons? Well, the manufacturer coupons are the kind that you find in your newspaper, that come from the companies themselves. The store coupons, however, are the ones that you find in your store specific flier. The great thing about store and manufacturer coupons is that they can be used in conjunction with one another. If Dole, for example, has a coupon for $.50 off of a can of pineapple and Walgreens has a coupon for $.25 off of a can of Dole pineapple, you can use the two coupons together. Your total savings would be $.75 off of the can, and that equals a really great deal for your family. You might hear coupon queens refer to this as the “double whammy.” You can also achieve a “triple whammy” if you use the store coupon, manufacturer coupon, and you pick an item that is on sale.

– If you love certain products, call the 1-800 number and rave about the product. Share your experience with them and ask if they have any coupons or if they can add you to a mailing list. Customer service representatives get a lot of disgruntled customer calls, so not only will you brighten their day, you might also be able to pocket some savings on your next trip to the store.

– Look for coupons in unexpected places. Always check your receipt, at the end of your shopping trip, to see if any printable coupons were printed. Other unusual places for coupons are inside of your magazines, hidden inside of your piles of junk mail, and inside/outside of the packaging on what you are using. I am often surprised how many coupons I can find in these unusual places.

– Visit the websites for companies and sign up for their mailing lists. They will usually have printable coupons you can use on your groceries, or will add you to future mailings on special sales they are running.

– Shop at stores that double or triple your coupons. You will maximize your savings much more if you can go to one of these stores.

– Try using the Coupon Mom website, to figure out how to maximize your savings with your coupons. This website is free and can tell you exactly what you need to buy and when. There are also services that you can pay for, such as The Grocery Game. I have never paid for the service so I have no personal experience with it, but there are many people who swear by it.

– If your friends or family do not cut coupons, ask if they will save the coupon fliers for you.

Potential Monthly Savings: $10 or more

Sound Off: Do you have any coupon tips to share? Are you a believer in the coupon hype?