Credit Cards With Rewards 101

Many of us are used to getting credit card offers in the mail and automatically ripping up the envelope and throwing it away. You might want to rethink that instant action. Many of the credit cards offered in this current economy have some sort of a perks program. This can either consist of points per dollar spent, which can be redeemed for products through the credit card company or the credit card company may have a cash back policy, which says if you spend so much money at a certain store or on a certain product the credit card company will credit you some cash back. With every American looking for a way to save a buck, this is good to look into because it can save you more than just a little but actually a lot.

Who Knew You Could Find Coupons There?

Most of today's coupon clippers are used to getting the daily and/or Sunday paper and scouring for the valuable coupons hidden within the pages. With the technology growing daily, you now have more options. Coupons can readily be found on manufacturer websites as well as the local grocery store websites. Then some of the coupons can be found in bulk on strictly coupon websites. It is wonderful to be able to purchase your groceries and still be able to have a buck or two left over from the fabulous savings that are available.

Shop Here! Get More!

To save on some of the hassle of getting out and going into a department store, a lot of people have chosen to do their shopping online. And what better time to do that then now. A lot of online web stores have started offering a cash back program. Like many credit card companies and banks, these web stores are offering you more bang for your bucks. Basically if you patronize their store they will give some back. Now how much depends from store to store, but they definitely make it worth your while to sit back and relax and shop from the comfort of your own home.

Find the best credit cards with rewards, as well as more of my work all at FINDcashbackcards.

Saving Money at the Grocery Store

Saving money at the grocery store can seem intimidating to some while it just comes naturally to others. There are many ways to save while shopping for groceries, but it is combining these ways that will enable you to save the most. Saving money at the grocery store may involve stepping out of your comfort zone and shopping at different stores or shopping for groceries in a way you have never tried before.

Your first step for saving money at the grocery store is to learn about the stores around you. Do they accept coupons? Do they double or triple coupons? Is there a limit on the number of coupons they will accept per visit or per transaction? This information is important for saving money at the grocery store. One store may have a lower sales price but another may double coupons and be more beneficial in saving money.

The second step to saving money at the grocery store is to shop the sales. After you have your grocery list ready, collect the sales flyers from the nearby stores. Make columns on your list for each store and list the sales price for each item in the right column. If you are lucky most of your list will be on sale somewhere.

Your next step to saving money at the grocery store is collecting coupons. You can get coupons from the Sunday paper, online, from coupon clipper services, or even on eBay. Most coupon clipper sites have a minimum purchase amount but can usually handle all your coupon needs. eBay generally sells coupons in lots of 10 or 20 depending on the seller. It is best to price both methods depending on the number of coupons you need.

Now you are on your way to save money at the grocery store. This is the compile and compute stage. This will require you to work out the deals on paper to figure out which store has the best deal. Begin making your final grocery list. If a certain store only has one item that is a better deal than somewhere else and is out of the way, it is a better idea to pick up that item at the store with next best price. In the long run a longer drive for just one item is not going to save you money.

Start out small while making your first trip to saving money at the grocery store, a large list or big order maybe overwhelming. Even if you have a lot of items to buy at one store, it may be easier to make a few smaller transactions than one larger one. You might make mistakes, but don't worry, figure out what you did wrong and move on to the next transaction.

Alexis Paige has been a long time bargain shopper. Visit her blog, Bargain Brag where she teaches others how to start saving money at the grocery store.

Online Customer Loyalty Programs - More Than Just Coupons

An online customer loyalty program offers all business an opportunity to dramatically increase their profits and SAVE thousands of dollars off their current advertising budget.

What is an online customer loyalty program? It is an Internet based fulfillment service that promotes a business to its existing customer base to build brand, loyalty and awareness. Online customer loyalty programs typically include online coupons and special offers that are only available to existing customers.

The delivery of these programs can be through a company's website or vie their newsletter. A company may also work with a third party provider that offers services for loyalty programs online.

The reasons these programs offer dramatic cost savings is the elimination or reduction of a businesses dependence on direct mail. Coupon mailers like Valpak, clipper or newspapers typical create coupon redemption that is 50-75% existing customers. With distribution costs of 410-20 per coupon redeemed, these direct mail and print media can be very expensive and not very effective. Using an online distribution vehicle like a website or email newsletter eliminates the print and mail costs.

Loyalty programs, by their nature, are designed to increase traffic to your store or restaurant from existing customers. Loyal customers tend to spend more, tell more friends about your store increasing word or mouth and are less likely to leave you over a $.50 cent coupon from one of your competitors.

Online loyalty programs also solve the issue of timing that so greatly limits the effectiveness of direct mail. By making your offers available at the convenience of your clients, rather than at the mercy of the USPS, you ensure that you wont see them across the street at a competitors' store because your mailer arrived last week and his arrived this week. Train your customers to go online and print their coupons at their convenience and you won't lose customers to timing.

An online customer loyalty program and coupon distribution system can save your business thousands per year in direct mail costs, increase your customer loyalty, word or mouth advertising and lock out your competition.

TJ Goulet is President and Co-Founder of Bythezip.com Directory, Inc. http://www.bythezip.com Operating as a business owner and sales manager since age 16, TJ has over 23 years of leadership experience and has hired and trained over 1,000 sales professionals.

Bythezip.com Directory, Inc. is TJ's seventh company. TJ's career has varied with businesses ranging from Insurance and Industrial Sales to Direct Marketing and Restaurants. Bythezip.com Directory, Inc. is TJ's first Internet Company. All of TJ's companies have been highlighted by a strong sales and marketing strategy that relies on the unique capacity of professional sales people and the idea that greater value and income can be derived from a sold product that a bought one. TJ Goulet has B.A. degrees in Economics and Management with emphasis on Mathematics from the University of Minnesota.

Members Only - The Perks Of Discount Shopping Without Coupons

Paper coupon books are a thing of the past. Wasteful, ungainly and a general pain in the neck to keep track of, discount shopping is long overdue for an overhaul. Discount cards offer savings and deals for members without the hassle of coupon books or points programs. Read on to learn more about some of the advantages of being a card-carrying discount shopper rather than a coupon-clipper.

More choices are offered by a discount card program. The Max Card, the world's largest discount program, connects members to deals on the local, national and international level. All the big brands offer exclusive deals to Max Card members and a personalized discount card gives members thousands of dollars worth of local savings and access to deals from over 190,000 national retailers.

Greener savings due to less paper waste is a perk that the whole world can benefit from. Over 100 million trees are ground up to produce junk mail-such as coupon books, mailers and flyers-and most of this junk mail ends up tossed in the garbage. In fact, by the year 2010, it is estimated by the Native Forest Organization that 48% of the solid mass in landfills will be taken up by paper and paperboard waste. The Max Card only take up a sliver of space in your wallet.

Pays for itself in savings. The annual membership fee of $54.95 (currently discounted to $39.95) is negligible. With 14 lifestyle categories, over 20,000 discount hotels, discounts on auto repair and car rental and discounts on dining and entertainment, the card can pay for itself in one day of everyday shopping.

Instant savings are available anywhere that accepts The Max Card, anytime. As long as you have The Max Card on hand, you'll be able to get any applicable savings just by showing the card.

Easy on the road savings and discounts are available with The Max Card. Deals are notoriously hard to find when you are away from home. But just like a Visa or Mastercard is accepted worldwide, so too is The Max Card. Thousands of worldwide businesses honor Max Card discounts which can save you the trouble of searching for deals abroad.

Great for businesses looking to build loyal customers. The first place any Max Card member is going to look when they go shopping is the Max Card's online directory. Members will try out a new business or product because of the savings and will come back again and again for the same deals.

Help the Earth and help other people with the Max Card's upcoming fundraising program. Local and national charitable organizations can partner up with Max Card to easily donate portions of proceeds to good causes.

Smart, easy and fun savings from The Max Card make discount shopping more guilt-free and hassle-free than carrying around a coupon book ever could be.

Coupons on Your Website

In having a website, there are two aspects of marketing to
consider. The first is driving potential customers and clients
to your website. The second, assuming you have a physical
location, is making sure that your website drives those same
people to that actual location. Coupons on your website can help
to accomplish both of those items.

First off, it can drive people to your website. There are
several popular websites out there that let you list your
website's coupons on their site. There are also plenty of
dedicated coupon clippers who check out those very same websites
and look at all the coupons listed. Putting a coupon on your
site and then listing it with those sites is basically
guaranteed website traffic.

Second, if you have a physical location, get those people
through your door! If you sell items online and in a physical
location, you should have coupons available to both locations.
Some sort of online discount, but absolutely take advantage of
the ability to draw people in.

The only thing left to decide is what format to present the
coupon in. The problem you run across is that every file format
will print out a little different on everyone's printers. You
want the coupons to come out looking as similar across different
computers and printers as possible. For that reason, my personal
recommendation is for a PDF file. If you currently don't have
the software for generating PDFs, I advise using PDF995
(http://www.pdf995.com/). It is free and set up just like it's a
printer. Once downloaded and installed, you just print your
file, and select PDF995 as your printer, and it has you tell it
where to save the PDF. Simple as that.

So now you know the why and you know the how. So add a coupon to
your site today!

Google Maps Local Coupons: Get Directions Save money

Thanks to Google, you can now save money while searching for local businesses or getting directions. Imagine the next time you're looking for a local store to get an oil change, and not only will you find store locations and directions, but a coupon you can print and take with you for a discount you may not have gotten otherwise.
OK, so online coupons aren't anything new, but here's what is new. In an effort to get more local businesses listed, Google is allowing local businesses to add a coupon to their Google Maps listing for free. Other online directories charge a fee to allow businesses to ad a coupon to their listings.
Since this is free advertising for businesses, you're likely to see more search results in your local listings, and packed with coupons. Just think, even if you already know the location of a certain business, it may be worth it to you to look them up on Google Maps anyway, just to get a coupon.
With gas currently being around $3.00 a gallon, if you can get three dollars off with a coupon, you just saved yourself a gallon of gas for a short trip across town. What if you had several errands to run? Check Google Maps for coupons for each business you need to go to, even if you already know where it is. These coupons could really add up after awhile.
You're not likely to see a whole lot of businesses with coupons right away. It's going to take some time for the word to get out, but if you have a few businesses that you visit frequently it may be worth your while to tell them about the Google Maps service and how they can advertise with a coupon for free.
I personally am not much of a coupon clipper, but believe me, with gas prices being as high as they are, I'll be checking out Google Maps for coupons to offset that cost on a regular basis. No small business is going to turn down free local advertising, and the possibilities are endless. Groceries, pharmaceutical, oil changes, you name it. You can now save on things you use every day!
Daymon Hoag is Founder of Cheapest Service and Author of Lower Your Bills

Non-profit Coupon Books and Coupon Mailers for Small Businesses

Many groups like the Chamber of Commerce, ASB at the local high school, etc. will ask if their members can get a discount if they shop in your store or use your service. Of course, the answer top these groups should be a high-energy YES! They will then make a discount booklet for their members with your company listed, this is excellent and promotes good will for your business.
The more membership booklets and coupon books your small business can be in the better your business will do. Get in all the free ones and any, which distribute to 10,000 or more people for under $50.00 or at least under the ratio of $100.00 per 20,000 units delivered. Watch for scams. Tell them 'you can have one half the payment now and one half when you show me the coupon book,' if you have reason to be suspicious. Make sure the organization is a known name you've heard of or seen around town. We have had only a few problems with these coupon books being scams in the three decades we have been in business. Membership booklets on the other hand as a whole have brought us in countless scores of new clientele. It also has help us maintain our image as community based businesses.
Coupon companies which mail out coupons for a fee are also generally good although every once in a while a no-name company with a fast talking sales man will come in the door so we recommend the same half now and half later deal with them if you are unsure. There are many well-known and established names in the coupon mailer world. Good names to work with include: Valley Shopper; Penny Saver; Value Ads; Coupon Clipper; Money Mailer; Green Sheets; Coupons 'N More of …; Neighborhood Mail Box Values; Val Pak; Coupon Cash Saver; United Coupons; Homesteader; Super Coups.
Wow! Lots of junk mail. Too bad these things work so well! Many businesses send out coupons because they work so well, just make sure when those new customers come in that they are retained as steady customers, you want to make sure above all that the customers fall in love with the great products and great service and not just the discounted coupons coming into their mail boxes.
"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

Top 3 Tips for Coupon Clippers

Coupon clipping is one of the best ways to save money on your everyday household expenses, groceries, eating out and more. By simply using coupons you can save 50% or even more on things you would normally buy anyway. However, many people do not use coupons to the best advantage. If you team your coupons with BOGO bargains and other deals then you and your pocketbook will reap the rewards. Check out the following tips to learn the insider secrets on effectively using coupons.

1. Organizing Coupons: It is vitally important to organize your coupons in an easy to use format. Find a system that works well for you and stay on top of it. Update your coupons as you get new ones. Put coupons for the same item together and group similar items in the same section. Use a small coupon holder that goes in your purse for quick stops at the store. When you are doing your weekly grocery shopping, you may want to opt for a bigger system, like a small box or a binder with see-through baseball card holders inside to make locating specific coupons a cinch.

2. Team Coupons with BOGO Bargains: Having enough coupons to get you the discounts you should get is very important; but go one step further to get bigger deals. Often BOGO deals combined with 2 coupons will get you the best price imaginable. Occasionally you'll even score some freebies this way. The easy way to do this is to pick up more than 1 newspaper. In fact, you can even check for online listings of how many coupon insets will be in each Sunday's paper. This will help you determine whether or not to get extras. Make sure you use a service that will find and send you the local BOGO sales at no fee, and you'll save time too.

3. Planning: Plan to use your coupons. Don't go grocery shopping without them, because you will inevitably spend more than you need to. Match up weekly sales and BOGO offers to the coupons you have on hand in order to get the best deals possible. By checking online blogs about coupon use you will find match-ups already done for you. Bloggers will provide you with a list of the sales, or at least the best sales, at big stores you regularly shop at. They will also list coupons you can use, when the coupon was distributed if it was an insert, links to printable coupons and other information about where to find coupons to lower the final price you pay.

If you are an organized coupon clipper, with multiple resources for finding and using coupons and one who plans grocery shopping before heading to the stores, you will find that you can save a lot of money on your grocery bill and on the things your family regularly uses. While using coupons wisely takes time, it costs very little (the price of a couple of Sunday papers) and the rewards to your family budget are substantial.



Idea-man and newlywed David Hall started pursuing his latest money saving idea in 2008 when he started http://www.BOGOfetcher.com . The site is intended to be a virtual assistant for folks who want to receive the best BOGO (buy one, get one) bargains without spending hours scouring newspaper fliers and websites. David loves owning a small business and pursues his businesses, and all his passions, with gusto.

Top 3 Tips For Coupon Clippers

Coupon clipping is one of the best ways to save money on your everyday household expenses, groceries, eating out and more. By simply using coupons you can save 50% or even more on things you would normally buy anyway. However, many people do not use coupons to the best advantage. If you team your coupons with BOGO bargains and other deals then you and your pocketbook will reap the rewards. Check out the following tips to learn the insider secrets on effectively using coupons.

1. Organizing Coupons: It is vitally important to organize your coupons in an easy to use format. Find a system that works well for you and stay on top of it. Update your coupons as you get new ones. Put coupons for the same item together and group similar items in the same section. Use a small coupon holder that goes in your purse for quick stops at the store. When you are doing your weekly grocery shopping, you may want to opt for a bigger system, like a small box or a binder with see-through baseball card holders inside to make locating specific coupons a cinch.

2. Team Coupons with BOGO Bargains: Having enough coupons to get you the discounts you should get is very important; but go one step further to get bigger deals. Often BOGO deals combined with 2 coupons will get you the best price imaginable. Occasionally you'll even score some freebies this way. The easy way to do this is to pick up more than 1 newspaper. In fact, you can even check for online listings of how many coupon insets will be in each Sunday's paper. This will help you determine whether or not to get extras. Make sure you use a service that will find and send you the local BOGO sales at no fee, and you'll save time too.

3. Planning: Plan to use your coupons. Don't go grocery shopping without them, because you will inevitably spend more than you need to. Match up weekly sales and BOGO offers to the coupons you have on hand in order to get the best deals possible. By checking online blogs about coupon use you will find match-ups already done for you. Bloggers will provide you with a list of the sales, or at least the best sales, at big stores you regularly shop at. They will also list coupons you can use, when the coupon was distributed if it was an insert, links to printable coupons and other information about where to find coupons to lower the final price you pay.

If you are an organized coupon clipper, with multiple resources for finding and using coupons and one who plans grocery shopping before heading to the stores, you will find that you can save a lot of money on your grocery bill and on the things your family regularly uses. While using coupons wisely takes time, it costs very little (the price of a couple of Sunday papers) and the rewards to your family budget are substantial.

Idea-man and newlywed David Hall started pursuing his latest great money saving idea in 2008 when he started http://www.BOGOfetcher.com. The site is intended to be a virtual assistant for folks who want to receive the best BOGO (buy one, get one) bargains without spending hours scouring newspaper fliers and websites. David loves owning a small business and pursues his businesses, and all his passions, with gusto.