46 - Don’t Let Money Go Down the Drain: Smart Ways to Save on Water Heating

We all love a long, hot shower, but did you know that water heating accounts for nearly 20% of your home’s total energy use? It’s the second-largest energy expense in most households, right behind heating and cooling. That means every time you turn on the tap, wash a load of laundry, or run the dishwasher, you’re paying not just for the water itself, but for the energy it takes to heat it. The good news is that you don’t have to take cold showers to save money. With a few simple adjustments—most of which cost nothing—you can significantly cut your water heating bill while maintaining comfort. From simple habit changes to smart upgrades, here’s how to keep your water hot and your bills low. 1. Lower Your Water Heater Temperature Most water heaters come from the factory set to 140°F. Not only is this temperature unnecessarily high for most household tasks, but it also poses a scalding risk. By lowering your water heater’s temperature to 120°F, you can reduce standby heat losses and save ...

32 - How Paper & Electronic Coupons Still Save Me Serious Money


I've got a few chapters to re-write on a book I am co-authoring and so I am going to cheat on this weekend's blog posts. I've given two topic ideas to an AI, and had it write the posts for today and tomorrow. (I read through both and made sure I agreed with everything in it. I hope you understand! It's hard to write a blog post 7 days a week!) :)

The Coupon Comeback: How Paper & Electronic Coupons Still Save Me Serious Money

If you’re like me, you probably have a complicated relationship with coupons. I remember rolling my eyes at my mom or grandparents, perched over the weekly circulars with scissors in hand, plotting out each grocery trip like a military campaign. Twenty years ago, cutting coupons was a badge of honor (or, for some folks, an addiction). These days, it's just as likely to happen with a phone as a pair of scissors—and if you play your cards right, you might save MORE than ever before.

Today, paper coupons haven’t gone away—if anything, they’re fighting for attention against the rise of electronic coupons, mobile apps, and automatic digital discounts. And in my never-ending quest to squeeze every dollar out of my budget, I use both. Electronic coupons are quick and convenient, but there’s still something satisfying about handing the cashier a crisp paper coupon and watching the total drop like magic.

So how do coupons work in 2025? Do they still deserve a place in your money-saving toolbox? Absolutely. The smart saver knows that a good coupon—paper or digital—still beats paying retail any day.

The Modern Coupon Landscape: Paper vs. Digital

Let’s talk basics. You’ve got two main types of coupons in the wild today:
  • Paper Coupons:
    • Old-school, classic, and quietly enduring. You’ll find them in the Sunday newspaper, coupon circulars, store flyers, direct mailings, on product packaging, and sometimes at the dentist’s office (if you leave with a new toothpaste, check the box!).
  • Electronic Coupons:
    • Digital deals you load onto store loyalty cards using grocery apps, retail websites, or rebate apps (like Ibotta or Fetch). Sometimes they’re delivered via email, text message, or QR codes right at the checkout. And let’s not forget exclusive promo codes for online stores and subscription services!
Each method has its pros and quirks. Paper coupons occasionally offer bigger discounts and are easier to “stack” (more on that later), while electronic coupons require less fuss and can be activated or applied with a couple taps on your phone. If you’re too busy for scissors, digital coupons are a gift; if you love playing the deal-hunter’s game, you’ll find ways to use both at once.

How Much Can You Actually Save?

I’m not here to promise you’ll retire early by cutting coupons—but regularly combining coupons with smart shopping can save real money. If you use 2–3 coupons a week for groceries, household products, or personal care items, you can easily save $10–$30/month, which stacks up to $120–$360/year. Toss in occasional “big wins” on high-ticket items or super-stackable deals and the sky’s the limit.

The secret is consistency: make it part of your routine, not just a special event.

Where to Find Paper Coupons (Yes, They Still Exist!)
  • The Sunday Newspaper:
    • Still the coupon motherlode. Even if you don't subscribe, ask around—many libraries give away last week’s papers, and some friends/neighbors barely touch the coupon insert.
  • Store Flyers & Weekly Circulars:
    • Grab them at the grocery store entrance or find them online to print at home. Major chains like Walgreens, CVS, and Dollar General still put out paper deals weekly.
  • Product Packaging:
    • Look for peel-off coupons on items you regularly buy, or “save $1 on your next purchase” offers printed inside boxes.
  • Direct Mail Offers & Magazines:
    • Those random envelopes full of coupons (Valpak and others) can hide a few gems, especially for local businesses.
  • Coupon Swap Groups:
    • Check local Facebook groups or social media for folks exchanging coupons they don’t need.
How to Maximize Electronic Coupons:
  • Store Loyalty Apps:
    • Download your grocery store’s official app (Jewel-Osco, Target, Walmart, Kroger, etc.) and create an account. Clip digital coupons before you shop and the discount will be applied at checkout.
  • Rebate Apps:
    • Apps like Ibotta, Fetch, and Checkout 51 give you cash back after you scan your receipt. Sometimes these rebates overlap with instant coupons for “double savings.”
  • Promo Codes:
    • Always search for a promo code before buying anything online. Install a browser extension like Honey or Capital One Shopping, which auto-search coupon codes at checkout.
  • Email & Text Alerts:
    • Subscribe to emails (or texts) from your favorite stores and brands—they’ll send special coupon codes, birthday treats, and secret flash sales that others miss.
  • Social Media:
    • Brands regularly post exclusive digital coupons on their Facebook, Instagram, or X feeds, especially before holidays or product launches.
Stacking Coupons: The “Power Move” for Savers

Stacking means using more than one coupon or discount together. Some stores allow you to use a manufacturer coupon AND a store coupon, plus a sale price. Here’s how you do it:
  1. Clip a manufacturer coupon (paper or digital) for $1 off a product.
  2. Find a store coupon that takes an extra $1 off that same item.
  3. Wait until the product goes on sale for $2 off.
  4. Apply all discounts at once—sometimes you’ll score an item for pennies or even FREE!
Grocery stores are especially good about letting you “stack” manufacturer and store coupons. Drugstores like CVS and Walgreens also encourage stacking via their reward programs.

Tips to Make Couponing Effortless (and Fun)
  • Set a Weekly Routine:
    • Spend 10–15 minutes each week organizing coupons and clicking digital deals. It’s easier—and more effective—than bingeing once a month.
  • Only Clip What You’ll Actually Use:
    • It’s tempting to go nuts, but a coupon is only a deal if you were already planning to buy the item.
  • Organize Paper Coupons:
    • Use a small accordion folder, envelope, or keep coupons sorted by expiration date in a kitchen drawer. Toss out the expireds ruthlessly!
  • Don’t Be Afraid to Ask:
    • If a store has a “coupon wall,” ask the cashier or manager if there are any special offers—they sometimes keep extras behind the counter.
  • Don’t Chase Every Deal:
    • Sometimes “buying just because it’s cheap” leads you to spend more than you save. Stick to your regular shopping list and let the coupons enhance—not dictate—your cart.
My Coupon Confessions (and Successes)

Honestly, I’ve gone through phases with couponing. Sometimes I’m clipping up a storm; other weeks I’m just using my favorite grocery app. I’ve managed to score free toothpaste, half-price pizza, and buy-one-get-one meals, normally just by checking my phone or flipping through my mail. Occasionally I stumble on “coupon unicorns”—the holy grail deals when you stack a sale, a manufacturer coupon, AND a store coupon for a truly free product. Not every week is golden, but when it works, it feels like winning a mini lottery.

And for those who say “it’s not worth the time,” I come back to this: if clipping a coupon takes 60 seconds and saves you a dollar, that’s $60/hour for your effort—better than most jobs I’ve had! Plus, there’s a quirky satisfaction in paying less than the person ahead of you in line (not that I’m keeping score. Okay, maybe I am).

Final Thoughts: Becoming a Coupon Pro Without Losing Your Mind

Coupons—whether electronic or paper—are one of my favorite money-saving strategies that people overlook or dismiss. You don’t have to become an extreme couponer or fill your basement with paper towels to make coupons work for you. Integrate them gently into your weekly routine, stick with products you actually use, and watch the savings add up. Over a year, those nickels, dimes, and dollars create real breathing room in your budget—and maybe even spark a little thrill when you score a truly great deal.

So dig out those scissors or fire up your phone, and give coupons a real shot. If you have your own favorite coupon story or want to swap the latest digital deals, drop a note in the comments! After all, sharing a tip is the best coupon of all.

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