The Six Things People Usually Say About Couponing and My Responses.

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Crest MultiCare Whitening toothpaste

I find myself trying to quickly respond to these statements often.  Then comes the glazed over look.  I suppose verbally, I can’t sum couponing up in a quick yet understandable manner.  This post is bit long, but in the amount of time it takes to read every word, you could have a grocery list full of this week’s sale items with note of which one’s have coupons and where to find them…ready and printed out next to you.  How’s that for fast?

1.  I don’t have the time.

I watch t.v. and clip coupons!

In the beginning you may need to spend a little more time.  It’s probably the deal breaker for so many people.  The thing is, once you get a basic knowledge of what’s going on, it gets easier and quicker.  You don’t have to learn everything at once.  Simple steps can lead you in the right direction without the headache, frustration, and with more money in your pocket.  Most importantly, with the technology available to us now, it’s not your grandma’s couponing.  Also important, you don’t have to “extreme coupon”.  Just make a habit of using them at the grocery store or to buy personal care items and cleaning supplies.

In my opinion, couponing at places like Walgreens or CVS as a starter works best.  Why?  You really see the savings so much clearer.  It’s what sets off the “AHA” moment which is so necessary to keep at it.  Because once you get it, you’re idea of couponing changes.  Once that happens, you’ll make the time!  People make time to save money when buying a car, house, or other big purchases.  Why not everyday needs too?

How can you make time for couponing?  If you have a computer and printer along with a good website to follow via email or Facebook, you’re on your way to quick couponing.  Personally, I go to my favorite website, print out the list of items on sale for the store I’m going to.  I only clip what I know matches up well with a sale item (the website tells me which items match up with coupons and where to find the coupons).  Then I put those coupons together with a paperclip.  That’s it.

Other than the time it takes to actually clip the coupons and print out a list (which with a few commercial breaks could be less than an hour at your leisure for a shopping trip).  Add another 10 minutes or so to look through the coupons and file them away on Sundays.  If you file by insert.  I would recommend a 3-ring binder and some folders or tabbed dividers, but you could use all sorts of organizing methods.  It really doesn’t take too long.

The biggest factor in couponing is obviously, the more you put into it…the more you get out of it.  I spend a little more time than the average consumer, but less time than the extreme couponer.    

2.  Who needs 100 tubes of toothpaste?

Certainly not the average small family.  Personally, I had 20 tubes the last time I counted about two months ago.  That’s more than we need in the next five years for our family of four.   We would have to use two tubes of toothpaste a month for the next 4 1/2 years to use it up.  Keep in mind though, that our family consists of two younger children.  One of which who thinks toothpaste is a great outlet for creativity ..on our walls.  Even still that’s a lot of toothpaste.

However, they will get used in other ways too.  Due to the economic hardships so many are faced with, keeping up with basic needs can be a struggle.  I’ve been blessed with free toothpaste!  Why not share?  Couponing is about more than collecting toothpaste, a lot more!

3.  I don’t know where to begin.

In this order, I recommend the following:  Find the biggest local paper in your area.  For me, I live in NW Indiana, but the Chicago Tribune is the best paper for Sunday coupons.  You can refer to a re-post of mine called, “Which Newspapers have the Best Coupon Inserts?”.  Thank you Living Rich with Coupons!

Don’t subscribe yet.  Visit RetailMeNot.  In the search bar, type in the name of that specific paper.  You may find codes that will get you the paper at half the cost.  Why is this important?  More savings of course.  If you’re saving already, you know that small cost of the paper is worth it if you’re saving $200 a month on groceries.  $200 is a car payment for some.  Think about it.  Once you have the code written down, either call or go online to the newspaper you’d like to subscribe from.  Don’t forget to use the code.  I think most places give you an option of a 13 week subscription.  It shouldn’t be more than $6.00 total for the whole 13 weeks.

Now that you’re going to have the paper coming to your home, google couponing.  Does that seem backwards?  Maybe a little.  The point behind this is to put your plan in action before you start reading too much and get overwhelmed.  Now you’re invested, and will likely put forth extra effort to make it work.

Finally, a great place to start would be The Krazy Coupon Lady.  Look under the beginner’s tab.  Another place to start would be Couponing 101I just want to add here that I don’t get paid for any links provided in my posts.  I add them to make everything easier to find. 

*Note:  It does sometimes take a week or two for your paper to start getting delivered.  Until then, feel free to pick up a Sunday paper at the store.  I hear Dollar General sells the Sunday paper for $1.00.

4.  Isn’t it just cheaper to buy the store brand?

In certain situations, yes.  The funny thing is, according to this article Store-brand food prices rising, it may not be for long.  This excerpt from the above article in particular, is a great example of why it makes sense to coupon and buy name brand items.  “Many generic products are made by the same companies that produce the national brands, such as H.J. Heinz, Tyson Foods and Kimberly-Clark, the Journal says.”  Go ahead, re-read it.

Some of you may scratch your head and say, “so!”.  If store brand prices are rising, and there isn’t an array of coupons for those, but there is an array of coupons for name band items that makes their prices well below the store brand price…why would you pay more for store brand?  Of course, if you like a brand better because the opposing brand doesn’t suit your needs, that’s understandable.  Going by cost alone though, why would you pay more? 

A quick example how coupons compare:  Jewel-Osco currently has this sale going on.  Ken’s dressing, $.99 each when you buy two with in-ad store coupon Thurs-Sat only. Use two $1.00/1 from the 3/11 SS to make these FREE.  (2 coupons each taking a dollar off each item)  3/11 is the date the insert came in the paper.  The insert the coupon came from was SS or SmartSource.  These two items are truly free with the coupons.  I don’t know of any store brands that do that.

I’ve paid as much as $3.99 for a bottle of dressing in the past.  Never again.  I don’t mean I’m going to clear out all the local Jewel stores.  I’ll buy 2, but this sale will end and in 3-6 months it will come around again or will happen at another local grocery store.  What if you don’t like Ken’s dressing?  Don’t worry, eventually it will be Wishbone or Kraft.  All of these sales are on cycles.  Once you figure out the cycle you learn to buy what your family will use and that’s how much you stock up on.  There’s no need to buy two cases of dressing cause it’s on sale.  It will go on sale again.  I buy what will last my family about 3 months.

5.  Coupons always expire before I use them.

Simple solutions for this.  Spend about $6.00 every 13 weeks to get the best Sunday paper around.  See #3 for more information on that.  Within a month of receiving the paper, you’ll have plenty of coupons.  I get two copies of the same paper delivered to my door.  There is no way I’m using EVERY coupon.  Lots will expire, but I know by watching my grocery budget drop that the $12.00 ($6.00×2 papers) I spend on the paper (coupons) is well worth it.

Use a couponing website (they’re mostly all free-see my blogroll for many good options) to print a list for your favorite store.  Cut the coupons for items on that list.  Paperclip the coupons together and attach them to the list or buy a cheap purse-sized organizer ($1.00 or so) to put any extra coupons in that you think you might use if the price is good and take it with you when you go to the store.   If you get further into couponing, you will want a binder or a bigger method of organizing.  Especially if you’re driven to keep from missing out on a great deal.  For an average shopper using coupons, you could probably stick with the purse-sized organizer for quite a while.

6.  You’ll have to show me “someday”.

This one makes me a little sad.  Someday usually means the interest isn’t really there or it is there, but one or more of the five other things on this list get in the way.  It makes me sad because I know money is tight for a lot of people and taking the time and effort to give it a real shot can make a huge difference in a budget.  I’m not a telemarketer.  This isn’t a Ponzi scheme.  I’m just passing on great knowledge.

Good story…  Recently, on a trip to CVS, I was gathering my items and noticed a young couple at the cash register.  The cashier says to the girl that she had just earned $14.00 in ExtraBucks.  I hear the girl ask what she means.  The cashier explains that she can take those ExtraBucks and use them like cash at CVS at anytime before they expire.  The girls says, like right now, and the cashiers says yes.  So, the couple starts wandering back through the store again.  They were so excited and the girl was raving about how cool it was and they had just stumbled onto it.  I was excited for them too.  My husband and I married young and we had plenty of rough times that had nothing to do with a recession.  I guess I saw us in them that night.  I hope she goes back to do it again and possibly with coupons in hand next time.

Couponing can be difficult to wrap your head around when you don’t understand it.  That’s why I offer my interested friends and family to go with me on a quick trip and see it in action.  If you’re interested in learning, talk to a couponing friend about riding along.  Most likely, they’ll be more than happy to show you the ropes!

Happy Couponing!!!

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Making a Simple Change to My Coupon Binder

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My current filing system.

Currently, I file coupons in my binder by insert date.  Check out my post 10 Adjustments That Made Couponing Work for Me for an in-depth description.  It works well for me.  Used in conjuncture with a few coupon databases bookmarked on my phone I can coupon on the fly.  Until…I can’t get the internet to come up while in the store.  Talk about raining on my parade.  I’m sure I’m not the only one this has happened to.

So, I started to brainstorm.  Then one morning as I’m previewing the upcoming Sunday coupons, it dawned on me.  What if I had a list of each week’s coupons printed out and placed with those coupons.  A quick copy and paste of the Sunday preview and that week’s coupons will be at my disposal with the flip of a page.  It would only add a few minutes initially, but save time and money when my phone’s internet fails me.  Therefore, starting this Sunday, I’m going to give it a try.  I don’t know why I didn’t think of it sooner.  If you try it too, let me know what you’re thoughts on it are.

Happy Couponing!!!

********UPDATE********

This works and doesn’t.  The reason it doesn’t work so well, is that I found that we got an extra Smartsource insert this Sunday.  This insert isn’t listed on http://www.sundaycouponpreview.com/ which could be a problem.  I’m wondering if I can find someone local with full lists of coupons from my area.  If not, then I suppose one would have to create their own list.  That doesn’t save much time though, so I’m crossing my fingers that I can find someone close that has the list of this week’s coupons ready to print.  Till later my friends.

Happy Couponing!!!

Which Newspapers have the Best Coupon Inserts?

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Newspapers B&W (5)

Newspapers B&W (5) (Photo credit: NS Newsflash)

I’m asked this question quite a bit.  Living Rich with Coupons has compiled a list into a post.  Follow the link to find out which newspaper has the best coupon inserts in your area.

Which Newspapers have the Best Coupon Inserts?#comment-225416#comment-225416.

Spending Money to Save Money – Part Two

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Couponing at CVS

Experienced Couponers may already know most of this information.  Then again, I consider myself decently experienced and I’m still learning new things quite often.  For those interested in couponing, I hope that this post helps to get you on your way to saving money.  In this economy, it’s a struggle to keep up at times.  However, with a little legwork, even the strictest of budgets can have room for those little extras that help keep up morale!  So, what’s next?

ExtraCare Rewards  from CVS

Follow the link to sign up for an ExtraCare account.  It’s easy to do.  You may already have one for prescriptions.  There are many benefits to having this card.  Especially if you already shop at CVS regularly or get your prescriptions there.  Personally, before I started couponing, I only went to CVS to pick up prescriptions.  Using the drive-thru, I rarely ever entered the store.  Things have definitely changed.

Ok, so right now, you may be thinking …their prices are higher.  Unfortunately, there is some truth to this.  But, not in all cases.  This is where some of that legwork comes in.  There are times, CVS is cheaper than anyone.  As long as you keep an eye on sales and match up with coupons (and you don’t always need coupons), you can really save.

Just incase you’re wondering or you don’t know your ExtraCare card or phone number are linked to your ExtraCare household account.  So when they say 1 per household, they mean it.

How Can You Save? 

By earning via spending, going green, checking your email, and keeping yourself beautiful.  Let’s not forget swiping your ExtraCare card in what we couponers call the, “Magic Coupon Machine”.

Magic Coupon Machine:

I chose this one first, because I know how excited I was to hear about this when I first started shopping at CVS.  So what is it?  It’s a red in-store kiosk which can be found in most stores.  It allows shoppers to scan their card before shopping.  What you’ll get is store coupons that you can use on items in the store.  I make a habit of scanning my card every time I go in the store, before grabbing the items I need.  It spits out at least one and sometimes up to three coupons per swipe per day.  Yep, you can scan it everyday.  Make sure you swipe your card until it says it has no more coupons for you today. 

These coupons won’t just be on CVS brand items.  They could be on any item in the store.  Now, the thing that makes these so great, they’re store coupons.  Which means you can use these coupons and use manufacturer coupons that you’ve printed or clipped from the paper.  This could make for SUPER deals, hence the idea that CVS can sometimes be cheaper than anyone.  The downside is that these coupons expire pretty fast.  Like in a week fast, usually.  All in all…it’s fun, saves money, and is pretty magical in my book.

Spend to Earn with ExtraBucks Rewards:

In all honesty, I didn’t even realize I was getting rewards for spending until recently.  Once you sign up, you’ll receive a rewards statement in your email, but I must’ve just skimmed over it.  Thinking that it was just letting me know how much I saved in the quarter.  Seeing how much I saved, must’ve been exciting enough.  *giggle*  Because I totally missed the bonus!

This is what I’ve learned since then:

Use your ExtraCare card every time you purchase* something and you will earn 2% back.  Including prescription** purchases.  Which accumulate and pay out on your receipt, at the ExtraCare Coupon Center or through CVS.com® in January, April, July and October.

Customers must shop during the 45-day distribution period to receive their 2% and prescription ExtraBucks® Rewards, which will be rounded down to the nearest $0.50. Members who do not spend $25 in qualifying purchases or who do not otherwise reach a minimum of $0.50 in ExtraBucks Rewards by the end of an earning period will not receive rewards and will not have earnings carried over.

My actual Current Balances when I log into my ExtraCare Rewards:

Description Current Balance End Date Reward Details
WINTER 2012 SPENDING: 180.18 03/15/2012 2% of your Winter 2012 Spend will be issued on April 1st. Rewards are redeemable in-store and online.
FALL 2011 SPENDING: 148.06 12/15/2011 2% of your Fall 2011 Spend will be issued on January 1st. Rewards are redeemable in-store and online.
BEAUTY CLUB SPENDING: 34.84 12/31/2012 Spend $50 on beauty products and earn $5 ExtraBucks

Another way you can earn ExtraBucks Rewards is by purchasing qualifying items which are usually specified in the weekly ads.  ExtraBucks Rewards will print out at the bottom of your receipt.  Not in Catalina form.

Sometimes, there are unadvertised deals as well.  This is where having your binder with you comes in handy.

You may be wondering how this works.  So, here’s an example of one simple transaction from the week of 2/26/2012:

Thermacare Lower Back and Hip Heat Wrap, 1 ct. $3.79

Buy 1, Receive $3.79 Extra Bucks, Limit 1

Pay $3.79, Receive $3.79 Extra Bucks

Mentos UP2U Gum, 14 ct. $1.00 Use $1.00/1 Mentos UP2U pack from SS 1/1 (exp 3/1) or $1.00/1 Mentos UP2U pack from SS 2/5 (exp 3/31) Free

Colgate Sensitive Pro Relief Toothbrush, 1 ct. or Toothpaste, 4 oz $4.99

Buy 1, Receive $4.00 Extra Bucks, Limit 2

Use $0.75/1 Colgate Toothpaste, 4 oz or larger from SS 2/26 (exp 3/17) And use $1.00/1 Colgate Sensitive Pro-Relief Toothpaste Excludes Trial Size from CVS Reinventing Beauty Magazine, Winter Issue Pay $3.24, Receive $4.00 Extra Bucks

You pay:  $7.03 (plus tax) OOP (out-of-pocket) and take home $7.79 in Extra Bucks.  So you just made .76¢.  That still makes me chuckle!

Of course, you could use those ExtraBucks right away on another transaction.  I usually do this because like the Walgreens RR’s, ExtraBucks do expire in about a week, but sometimes they do last longer.  Or, you could take them home and wait for next week’s deals.  Not a bad plan either.  Just keep in mind they may expire.  If they do expire, then you haven’t saved much money.

If you read Spending Money to Save Money – Part One you need to know that there are similarities between Walgreens Register Rewards and CVS ExtraBucks.  There are also differences.  Some couponers feel CVS is a little easier.  Less rules do apply from what I’ve noticed.  The need for one more item than you have coupons isn’t necessary at CVS.  Also, as far as I know, ExtraBucks are only accepted at CVS.  Unlike Walgreens RR’s being accepted at Jewel-Osco.

For instance, Walgreens, from what I’ve experienced has always had a limit of 1 RR per transaction for an offer on a specific product.  The CVS limits vary by product.  A limit of 1 is more common, but it’s not a constant.  What this means is, if there is a limit of two (always check) you can buy two of an item and receive the ExtraBucks two times all in one transaction.

Example: 

Colgate Sensitive Pro Relief Toothbrush, 1 ct. or Toothpaste, 4 oz $4.99

Buy 1, Receive $4.00 ExtraBucks, **Limit 2 **

Use $0.75/1 Colgate Toothpaste, 4 oz or larger from SS 2/26 (exp 3/17) And use $1.00/1 Colgate Sensitive Pro-Relief Toothpaste Excludes Trial Size from CVS Reinventing Beauty Magazine, Winter

Pay $3.24, Receive $4.00 ExtraBucks

Colgate Sensitive Pro Relief Toothbrush, 1 ct. or Toothpaste, 4 oz $4.99

Buy 1, Receive $4.00 ExtraBucks, **Limit 2 **

Use $0.75/1 Colgate Toothpaste, 4 oz or larger from SS 2/26 (exp 3/17) And use $1.00/1 Colgate Sensitive Pro-Relief Toothpaste Excludes Trial Size from CVS Reinventing Beauty Magazine, Winter

Pay $3.24, Receive $4.00 ExtraBucks

You pay:  $6.48 (plus tax) OOP and receive $8.00 in ExtraBucks.  You just made $1.52 in 1 transaction. 

Now lets say you want to do 2 transactions so that you can use your ExtraBucks to pay for other items immediately.  This works a lot like the Walgreens RR’s.  Except, you don’t NEED a filler you WANT a filler. 

Check out the following:

1st Transaction

Thermacare Lower Back and Hip Heat Wrap, 1 ct. $3.79

Buy 1, Receive $3.79 ExtraBucks, Limit 1

Pay $3.79 OOP (plus tax), Receive $3.79 ExtraBucks to use on your next transaction

2nd Transaction

Colgate Sensitive Pro Relief Toothbrush, 1 ct. or Toothpaste, 4 oz $4.99

Buy 1, Receive $4.00 ExtraBucks, Limit 2

Use $0.75/1 Colgate Toothpaste, 4 oz or larger from SS 2/26 (exp 3/17) And use $1.00/1 Colgate Sensitive Pro-Relief Toothpaste Excludes Trial Size from CVS Reinventing Beauty Magazine, Winter

Pay $3.24, Receive $4.00 ExtraBucks

Also, any filler item.  Something you need or a quick snack.  Whatever you’d like.  The filler is to bridge the gap between $3.79 and $3.24 which is .55¢.  Why?  Because otherwise you’ll lose it.  CVS can’t give you actual money back nor will they give you back new ExtraBucks with the remaining amount.  You earned it, you might as well get your money’s worth.  So, in this scenario, finding an item for at least .55 would work well.  Continuing on with the scenario…

You pay:  $3.79 with your ExtraBucks (plus tax – OOP) and receive another $4.00 ExtraBucks for next time or your next transaction.

Exclusions:

*   Excludes alcohol, gift cards, lottery, money orders, prescriptions, postage stamps, pre-paid cards, tobacco products or items reimbursed by a governmental program.

**  Excludes pharmacy items paid for in whole or in part by state and/or federal health care programs. This includes, for example, Medicare, Medicaid and TRICARE. Not valid on prescriptions purchased in NJ or NY. In Louisiana, not valid on any prescription for a controlled dangerous substance. CVS/pharmacy may, at any time and for any reason, exclude prescriptions dispensed in other states, other types of prescriptions, or prescriptions paid for by other payers. ExtraBucks® Rewards on prescriptions limited to $50 per year per card. This rewards cap was adopted for all customers to ensure CVS/pharmacy complies with all federal and state laws and regulations regarding prescription drug purchases.

Going Green to Earn Some Green

This one is pretty simple.

At the register or online you can buy the Greenbagtag from CVS for .99¢. 

Next attach it to a reuseable bag.

Then scan it along with your ExtraCare card every time you make a purchase at CVS.

After every 4th visit, you will earn a $1.00 ExtraBuck. 

If you think about the value of a coupon, this $1.00 ExtraBuck makes a for a nice bonus.

Checking You Email for Money…I mean Coupons

When you’re signed up for an ExtraCare account and have provided a valid email, you can opt to receive newsletters.  These newsletters frequently include in-store coupons.  A common coupon to find is 20% off your entire purchase during a specific timeframe.

A little tip though.  Usually at the bottom it says this excludes sale items.  Well, that can throw a curve ball of gloom.  Once in a while, they do send coupons that don’t exclude those sale items.  Keeping us hooked is all too important I suppose.

If you were new to the idea of the CVS ExtraCare account, and you clicked on the link I provided at the beginning, you may have noticed the offer of a $4.00 off $20.00 coupon for new email subscribers.  That is a pretty good example of the type of coupons you’ll receive by email.

It’s definitely worth the little bit of extra effort to sign up.  Remember, you can always log in at the CVS site, to make sure you’re getting all of information on deals and check your balances for spending.

Keeping Yourself Beautiful and Making Money Doing it

ExtraCare Beauty Club is another reason you can learn to love CVS.  You can get started by signing up at the link provided.  The rest is simple.  Just check your email and swipe your ExtraCare card when making purchases of beauty products.  In fact, always swipe your ExtraCare card.  You’ll get coupons, tips, and new product information in your email.

How do you make money?  By earning it.  In pretty much every CVS ad there is a section dedicated to beauty product sales.  For every $50.00 spent on beauty, you earn $5.00 ExtraBucks.  Only if you’ve signed up for the Beauty Club.  This may seem like a lot, but there are often deals that make this cost less out-of-pocket than you might think.  Using coupons and matching up will get you there quickly.

See the following example:

 Physicians Formula Lash Boosting Eyeliner $11.29, Regular Price

Spend $10.00, Receive $7.00 Extra Bucks, Limit 1

Pay $11.29, Receive $7.00 Extra Bucks, Submit for Try Me Free Rebate (found on select products) $7.00 Moneymaker

On the example listed above, you’re actually MAKING money.  Not only that specific product deal, but now that $11.29 is added to your Beauty Club account.    In this coming week’s ad 3/4/2012  there is a rebate offer that looks pretty great!  This might be a great week to stock up.

Get to Shopping

All in all, CVS does offer less red tape in comparison to Walgreens.  It’s prices are a bit higher, but still competitive when using your ExtraCare card and using ExtraCare Rewards along with coupons.   I recommend you try it at least two or three times.  Get a feel for it.  In the end, I think you’ll enjoy shopping at CVS.

I also want to add a link to a website that answers quite a few questions about shopping at CVS.  It’s called Creative Couponing.  Always review the coupon policy to double check that something hasn’t changed.  I’ve linked that at the bottom of this post.

Happy Couponing!

   

CVS Coupon Policy

I Heart Copy and Paste! Shopping too!

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Earlier I was making out my lists for Walgreens and CVS this week and I just had to express how much I appreciate copy and paste.  I make so many changes to my lists at times, and it’s such a time saver.  I use it for all kinds of things, but I suppose I use it most for couponing.  I can take bits from Krazy Coupon Lady, Coupon Mom, Mummy Deals, and just about any other couponing blog on my favorites list and put it all in one document.  Not only is great for printing, but I can save the document and use it for a reference at a later date.  Giving me an extra ability to figure out cycles in sales at the places I shop in the process!

There are quite a few deals this week at Walgreens and CVS.  Click on the links to see them if you’d like.  Lots of RR and EB deals.  I heart those too!  ❤

However, I can think of one downfall to such ease in making lists.  I keep making them.  Which means I keep shopping.  I’ve went grocery shopping five times in the last month.  Did I need to?  Ummm, probably not.  The deals have been fantastic in my area and the thought of passing them up makes me cringe.  This is the point where I start to wonder about being addicted to saving.  There is just something so satisfying about coming home without the guilt of spending WAY too much and seeing my family’s faces smiling in anticipation of what I’ll pull out of the bags this time.

Last night, my husband even said (and I may hold him to this as my passion for savings grows along with my stockpile), “The freezer is full …just the way I like it.”.  I felt like I could burst with happiness.  I’m sure getting to have mommy time so frequently lately…might play a role in my happiness too.  Especially, when you worry the hubby is going to get tired of “babysitting” and he’s actually quite happy with your feats!

In the midst of all of this shopping and life…I have been working on part two to Spending Money to Save Money.  As well as part three and four.  I’m hoping to get part two finished by this coming Wednesday.  Thanks to all of you for your support!

By the way, the only thing that could make list-making easier for me would be finding a blog or website with match-ups dedicated to my specific area or stores.  I’ve found a few websites that can help you find them, but what I’m looking for doesn’t seem to come up for my part of Northwest Indiana.  So, if anyone knows of one, and is willing to share, I think I’ll love you forever!!!  Hope all of you are lucky enough to find your local niche!

Happy Couponing!