How do store coupons work

You cut coupons out of newspapers and magazines, take them to the store and use them to get discounts on certain products. A coupon is the same as cash. For example, if you have a $1.00 off coupon on a box of cereal, the cashier takes the coupon as though it were cash. It's not that common any more, but some stores will even double a coupon's

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10 Extreme Coupon Tips for Normal People HowStuffWorks

Both have pros and cons. Organizing by category, for example, will take more time upfront, but your coupons will be easier to find when you come across a deeply discounted product begging for a $1.00/1 or B2G1 (One Dollar Off or Buy 2 Get One) …

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How much money do I really need to live

­Use coupons: Most likely, you can find coupons for many of the items that you buy on a regular basis, taking a chunk off the cost. Investing a few minutes in finding coupons will save you money. But just because you find a coupon for double-chocolate-chunk cookies doesn't mean you should buy them, which leads us to the next point.

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How do deal-of-the-day Web sites work

Many times, the deal is at least 50 percent off of the regular price, which makes it a great way to try a product or service at a greatly reduced rate. Deals stay active for anywhere from a day to a week, depending on the company. As far as purchasing the deals, different sites have different rules.

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How much money do you need to retire at 50

According to CNN Money, if you start off by withdrawing 4 percent of your savings -- that's $47,200 if you have a $1.18 million nest egg -- there's an 80 percent chance of your savings lasting for 30 years, but if you take a 6 percent draw -- that would be $70,800 -- …

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10 Breaks Retirees Get That Working People Don't

This is your first stop for senior discounts. Flashing an AARP card is the easiest way to get the aforementioned 10 percent knocked off just about anything, including shopping, dining, fitness, health services, home and auto repair, and travel.A full list of AARP benefits is available at of the highlights include discounts on home security and hotels.

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How Ponzi Schemes Work HowStuffWorks

In the 1920s, whenever a generous person wanted to send a piece of mail overseas, he or she would probably also buy an international reply coupon.This was handy for the recipient because it was a voucher that paid for the postage required to reply back to the sender.

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Should you pay down your mortgage as fast as you can

It's an old fact, but one that still holds true -- a home is the biggest investment that most people make in their lifetimes [source: Sun Sentinel].And thanks to a cash-wrenching recession and widespread unemployment, many people are paying off debt as quickly as they can, for better financial security and peace of mind.So why not pay off the mortgage as fast as possible, too?

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How Investment Scams Work HowStuffWorks

Charles Ponzi was an early 20th century Italian immigrant to the United States. Ponzi invited people to invest in International Postal Reply Coupons. He promised extremely high returns. All he really did was take investors' money and deal out small payments to earlier investors. All …

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How Treasury Bills Work HowStuffWorks

Until 1998, not all bidders received the same discount rate. Rates used to vary according to a range of accepted bids above the so-called cut-off yield. The bidders closest to this cut-off received the highest returns, while people who bid higher (that is, demanded a lower discount rate) got what they asked for and received fewer returns.

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5 Ways to Save Money Raising Kids HowStuffWorks

The cost of raising a child in today's economy seems to rise substantially year after year. Kids have a lot of needs that extend well beyond three squares and a cot; there's clothing and food, lessons and toys, medical care and a college savings plan.And it all adds up quickly.

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5 Tips for Creating a Coupon Organizer HowStuffWorks

Google "coupon acronyms" before you head out, and learn to tell your Peelies (coupons you peel off at time of purchase) from your WYBs (save on one item when you buy something else). 1: Don't Forget Your Gear! Create a zippered section in your coupon binder where you can store small scissors, a pen or pencil, and a calculator. A zippered pencil

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5 Tips For Shopping Online HowStuffWorks

Tabbed browsing has even further paved the way for finding deals online. When checking out, don't pass by the online coupon code bar. Open another tab or window and do a quick search for coupons for the retailer available on other sites, like and

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How much should you save in a college fund

Kids, don't think that you're off the hook because your parents have access to these and other programs. The average student borrows 14 percent to cover the cost of college, while only using 9 percent of their savings and income [source: Rampell]. To help mom and dad, students can apply for loans, grants and scholarships. Oh, yeah, you can also

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10 Gadgets That Can Save You Money HowStuffWorks

The electronics and appliances in our homes account for about 20 percent of personal energy use, according to the U.S. Department of Energy [source: U.S. Department of Energy].But some gadgets can put a bigger drag on your electric bill than others, and nearly all continue drawing power even after they're turned off, a phenomenon known as standby power usage (or "vampire power," one of its

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10 Great Deals That Usually Aren't HowStuffWorks

There's something about the phrase "get one free" that's hard to resist. Sometimes, these offers can be a great deal. Buy one, get one free promotions are fantastic -- you're essentially getting two products for 50 percent off. Buy two, get one offers are still good, but not as great, as now you're just dealing with just a 33 percent savings.

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How Do Dollar Stores Make Money

According to analysis by The Guardian and The Washington Post, paying $1 for a 16-oz bottle of milk at a dollar store is the equivalent of paying $8 for a full gallon, which is more expensive than the fancy organic stuff at Whole Foods.Similarly, the $1 bag of raisins at the dollar store weighs only 4.5 ounces (128 grams), while a 72-ounce (2-kilogram) bag from a big-box store costs $10.50, or

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10 Tips for Saving Money in College HowStuffWorks

Some univers­ities offer off-campus meal plans, too. These usually involve deals with food chains, so make sure the plan is appealing to you. If you decide to skip out on a meal plan, it's possible to eat enough and eat healthy on your own budget. Cut out coupons, buy in bulk and sign up for a shopper's discount card. Be creative and plan

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Should you buy coupons online

Some sites sell coupons in bulk (like 20 coupons for $1 off General Mills cereal); you buy them and they send the coupons to you. You can find coupons on auction sites, too. Other companies offer coupons for dining, manicures, activities and travel (and pretty much anything else), and you receive your coupon by e-mail once you pay.

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5 Tips for Living Comfortably on a Tight Budget

Even for those who've managed to avoid such destitution, the recession has strained family finances. Relatively wealthy families, especially, have become ardent users of coupons; 39 percent of households earning more than $70,000 per year have resorted to coupon clipping [source: Time]. Quite simply, many people have started learning to live on a budget.

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The Secret Life of the Gift Card Industry HowStuffWorks

Gift cards have a higher redemption rate than promotional coupons. So instead of receiving, say, a "$4 off your next visit" coupon when your latte comes out soy instead of skim again, you get a $4 Starbucks gift card. "It feels like free money," a marketing executive explained to CNN Money in 2015, "but you have to go back in and spend it."

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How to Save Money on Name-brand Clothes HowStuffWorks

Coupons: You don't have to be an extreme couponer to save some extra dough on new duds. Again, plenty of print ads feature coupons good for certain dates and items. In addition, Web sites like are quick and easy ways to find discounts on in-store and online purchases.

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10 Things You Should Buy in Bulk HowStuffWorks

Toilet paper, paper towels and other paper products are among the most competitive product lines sold in the warehouse clubs. Chain grocery and department stores regularly have sales and offer coupons that approach the deals offered at the warehouses. So, to get the best value on big bulk purchases, shop around and wait for a good deal to come

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Tips for Avoiding the Retail Clothing Markup

Bloomingdale's often offers 20 percent off coupons to cardholders, while Nordstrom marks down regular-price merchandise during its Anniversary Sale. Get to know a sales associate at your favorite stores to help you take advantage of the best deals and markdowns.

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10 Great Ideas for Frugal Family Fun HowStuffWorks

In addition to physical coupons, many businesses now utilize online mailing lists that will deliver discounts and sale information straight to you via periodic e-mails. It's more convenient than actively seeking out deals, but if you're the type who hates a cluttered inbox, beware: Some companies don't give you the option to subscribe to only

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10 Things You Should Never Buy Online HowStuffWorks

But the Internet prescription drug market, not surprisingly, is enormous and pretty seedy. In 2013, the U.S. Food and Drug Administration (FDA) pulled off a sting operation that targeted 9,600 online pharmacies and seized $41 million in illegal and counterfeit drugs [source: Edney].

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10 Items You Should Always Buy Generic HowStuffWorks

Off-label foods are flying off store shelves three times faster than branded products, a trend that is expected to continue well into 2020, according to Nielsen. Advertisement "We're in the golden era for private label," Jonathan Deutsch, professor of culinary arts and sciences told Policy Genius .

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How Con Artists Work HowStuffWorks

In any pyramid scheme, investors are recruited to pay the company owner, who is the con artist at the top of the pyramid. There may be an actual business, such as Ponzi's buying and reselling of postal reply coupons to take advantage of exchange rates, or it may be a pure pyramid. People pass money to those above them in the pyramid and wait to

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5 Easy Frugal Living Tips HowStuffWorks

While Groupon and LivingSocial are great for shopping for special deals, good old fashioned coupons and sales can still save you big money if you pay attention. The Web site Slickdeals catalogs sales on everything from TVs to travel packages, and there's even more to be found on the site's forums.That's where deal-hounds go to discuss and post hot deals, both for online retailers and brick-and

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5 Ways to Save Money (Besides Giving Up Lattes

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10 Ways to Become a Super Saving Mom HowStuffWorks

From complicated and savvy investment tips to the standard "clip coupons and turn those lights off when you're not in the room" pointers, you might find a craving for something a little more specific. Don't be afraid to visit those "money-saving mom" sites that have cropped up like weeds. (In fact, you might want to try

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8: Go online.

First off, the coupon sites online are nearly endless. From your favorite grocery stores to your favorite brands, you can find coupons that will save you loads of money on your grocery bills.,, and even specific grocery stores offer online coupons that you can print out (or load directly onto the a store's

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How do bonds work

Maturity - Bonds have lifetimes. Depending on the type of bond, that lifetime can last anywhere from one month to 50 years. ­­ Callability - This is a term that means the company or agency that issued the bond has the right to call the bond back in at a time of their choice. In other words, the company buys the bond back before it matures.

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How do CDs (certificates of deposit) work

­Although CDs grow faster than savings accounts, they're just as safe. That's because they're protected with the same insurance as other bank accounts are -- under the Federal Deposit Insurance Corporation (FDIC).As long as you're with an FDIC-insured bank, at least a portion of your funds is protected in case the bank goes under.Typically, all of your funds up to $100,000 would be refunded.

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5 Tips for Saving Money on the Road HowStuffWorks

Basically, while opinions vary, general consensus is that at highway speeds, you're better off running the AC, while at speeds below 45 to 50 miles per hour (72 to 80 kilometers per hour), you're better off with the windows down. Here's another alternative: Drive when it's cool.

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Budgeting HowStuffWorks

I'll Give You $12.90 for That Sweater — or How Precise Bids Can Pay Off We all want to get the best price for that sweater, that car, that house. Making a very precise offer of, say, $12.90 as opposed to $10, can help you do that.

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10 Budget Basics Every Parent Should Know HowStuffWorks

It'll also help to have a system for organizing the coupons you find. Cut them out of newspapers or print them off the Internet , and keep them in a special container or pocket book. Some coupon experts recommend categorizing them or sorting them them by expiration date [source: Drenth ].

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10 Green Living Ideas for Frugal Families HowStuffWorks

Using less energy in our homes is a vital part of living green, and it's more than just turning off the lights when you leave a room. An energy audit is one way to get a host of information about the way your family can help improve its ecological footprint while saving on utility costs.

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How Planning a Charity Event Works HowStuffWorks

To that end, a staff of willing volunteers is necessary to pull off a successful function. One of the first tasks to be completed for mid- to large-scale events is the designation of a committee head or chairman. Ideally, this person has significant experience in this arena, making him or her the perfect person to lead the charge for the

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How WIC Works HowStuffWorks

In Cleveland, Ohio, a man was sentenced to federal prison for stealing millions of dollars worth of WIC money by fraudulently redeeming food stamp coupons and WIC vouchers [source: Byrne]. In Philadelphia, several people were arrested for creating fake WIC vouchers and stealing more than $375,000 of taxpayers' money [source: Odom].

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5 Tips for Budgeting Your Pet Care Costs HowStuffWorks

Just like you clip coupons before making your weekly trip to the supermarket and buy your clothes off the sale rack, you can save money on pet care without compromising the health of your furry best friend. Here are five easy tips for saving a few bucks on pet care costs.

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10 Worst Business Decisions Ever Made HowStuffWorks

Say cheese! For over 100 years, Kodak was synonymous with photographs.Founded in 1880, the New York-based company commanded 90 percent of the film market by the late 1970s, 85 percent of the camera market, and it employed over 60,000 people [source: Gustin]. In 1974, during Kodak's corporate dominance, one of its engineers, Steve Sasson, started fiddling with a gadget …

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Paid Online Surveys HowStuffWorks

Many "paid" online survey sites don't actually pay cash per completed survey, but compensate participants with coupons, discounts, freebies and sweepstakes entries. For example, e-Rewards awards members receive "cash" for completing surveys.

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How to Shop for Mattresses HowStuffWorks

Sure, that tag may say it's 40 percent off regular retail, but it's really only a 15 percent discount on the price they were advertising just the week before. You should also dress appropriately for mattress shopping, and that means leaving your fancy clothes at home.

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10 Tips to Save Money on TV and Internet Bills

The average television subscriber pays about $75 a month for the service, which means that replacing your TV with a tablet will begin to pay off in about seven months [source: Pepitone]. Major networks like ABC and cable networks like HGTV offer free apps that iPad and Android-system owners can use to …

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5 Online Shopping Tips for Kids Clothing HowStuffWorks

Start your search by typing the name of the store you're browsing plus a term like "promo code" or "coupon code" to find codes you can enter during the checkout process to earn additional discounts. Or sign up to receive text-message or e-mail discounts via the store's e-newsletter.

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How to Use an iPad as a Credit Card Reader HowStuffWorks

Perhaps you've already used your iPad as a barcode scanner -- for example, to read grocery codes to find coupons and better deals. Well, forget about a built-in, point-and-click feature for accepting credit cards. Sure, you can type in a customer's credit card number by hand.

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Personal Finance HowStuffWorks Page: 11

If you're a casual couponer who happens to stumble across a clipping-service Web site, you might be tempted to check it out. But while it's true that clicking for coupons is a lot easier than clipping them, coupon services aren't for minor-leaguers. By Alison Cooper

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10 Tips for Debt-free Life HowStuffWorks

Financial planning tips in books, on Web sites, and from friends and family can help us get rid of debt. Some suggest paying off the highest-interest bills first and when done, applying payments to the next debt, plus the amount you had been paying on the first. Payments increase in size with each pay-down, and debts clear faster.

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