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CHECK STORE RULES, COUPONS AND WEEKLY AD. FabulesslyFrugal.com has a pages dedicated to most major grocery stores, from Walmart to Kroger to Whole Foods. On the Target page, it recommends using the store's debit card to save 5 percent on each transaction (I already have one). Target will also give you 5 cents for each reusable bag you bring (I brought five with me!). And I also learned that Target lets you use coupons that the store issues along with coupons that the manufacturer issued during the same transaction. I found a $3 coupon on Target's website that I planned to pair with the $3 coupon I found through TheKrazyCouponLady.com. I also looked through Target's weekly ad and saw that it was offering a $5 Target gift card if you buy 10 Smart Ones frozen meals. So I figured I would buy 20 Smart Ones frozen meals, and get $10 in gift cards. I also printed out two copies of the Smart Ones coupons I had found. Demer said I should break up my purchase into three transactions. Buy the 10 Smart Ones meals first, use the $6 in coupons and get the $5 Target gift card. Then do a separate transaction for the next 10 Smart Ones. Then use the $10 worth of gift cards on the rest of my items. HOW I DID. I had two setbacks. The Seventh Generation $1.50 coupon was for a different type of detergent that I couldn't use, so I had to pay full price for the one I wanted: $14.19. When I went to the register and separated my items into three different transactions, I accidentally put 11 boxes of Smart Ones in the first transaction. When the second one rang up, I only had nine, so I had to run to the back of the store to make it an even 10 to get the $5 gift card. (I blame that mistake on me being distracted while I was cutting coupons. Tip: Cut them before you get to the store.) I also had two unexpected surprises. After buying the first group of Smart Ones, a $3 coupon printed at the register for frozen meals. I used that coupon on the second transaction. And the Fiber One cereal was unexpectedly on sale for $3.64, meaning I would get it for under $3 with my 75-cent coupon. In all, I paid $53.06 for $82.25 worth of groceries. I saved $29.19, or 35 percent. That includes the $10 in gift cards, the 25 cents for bringing reusable bags, $2.19 for using my Target debit card and $16.75 in coupons. It took me about 45 minutes to do the research and print the coupons, and I think it was worth it. Couponing should get easier and take less time for the next supermarket trip, Demer said. "The learning curve with couponing is steep, but short," said Demer. "Once you master a few basic principles, the time you spend planning your shopping trips will drop significantly and you'll be getting a good return on the time you do invest."
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