Not too long ago Walgreen’s brought us the Balance Reward Card System and now Publix is expanding their coupon savings with the introduction of digital coupons. For those of you not familiar with digital coupons you may have heard the term “eCoupons.” Basically these are the same the thing. Digital coupons are clip free coupons loaded to your loyalty shopper cards or attached to your telephone number. In regards to Publix you are probably aware of the fact no loyalty card program is used, therefore your savings are attached to your telephone number.

Here’s how it works:

1. Go to www.publix.com
2. Click on “save here” in the navigation bar at the top of the page
3. In the drop down box click on “coupons.”
4. Once there you will see “Publix Digital Coupons” Click where it states “sign up.”
5. Simply fill out the registration process (Note: you will need a different mypublix.com account than you may already have set up.)
6. Once registered you will be able to access and choose coupons from their site.
7. Click on the coupon you wish to use at the store and it will automatically attach it to your phone number you registered with
8. Tell the cashier you have digital coupons and give her your phone number or simply log it in on their pin pad machine.

You may be wondering, “Are there any special rules when using these digital coupons?” Yes, there are some basic guidelines. Here they are:

1. Digital coupons will not double
2. The digital coupons may be used immediately with no wait time.
3. All will have an expiration date and will be available for use only one time unless otherwise indicated.
4. Digital coupons may not be used with a manufacturer coupon (at Publix you may choose which coupon you will use; if a paper coupon is used the digital coupon will remain in your account for a future use.)

The functionality of Publix digital coupons is pretty much the same as the already popular Kroger’s eCoupon with few variances. Occasionally it does happen when a digital coupon discount does not appear. Are you out of luck for receiving this discount? Not entirely. Publix has made available a hot line number for customer service where you can let them know of your problem. “You can call 866-486-4292 (Mon-Fri, 8a-9p) or email PublixSupport@inmar.com to resolve any issues. You will need to include your Publix Digital Coupons phone number and transaction information.”

A few scenarios have occurred in using digital coupons with B1G1 sale items. For example:

Purchase –4 spaghetti sauce (bogo)
Coupons used – 3 paper manufacturer & 1 digital coupon

This is a normal transaction, however the register sometimes misinterprets this as a potential stacking of digital & paper coupon. The best way to alleviate this problem if it should occur is to make two separate transactions to reduce register confusion.

Happy shopping to you as you join the Publix world of digital coupons.

Chances are you have noticed some changes in the circulation of coupons and their specific types over the last few months. You may be asking yourself, “Is couponing on its way out or is it still all its cut out to be?”
In 2007 we saw a great increase in the amount of consumers using coupons due to the declining economy. Although the usage of coupons has still remained active we are noticing some differences occur over the last few months. In general most people have always used coupons to purchase items they need (instead of want) at remarkable discounts, with the exception of the “extremists.” The majority of consumers understand that couponing is not a savings if you don’t need the item you are receiving the discount on. In other words if you are buying just to have and your wants keep increasing; your space will become deficient, your expenses will go up and you’ll find yourself building on to the garage to house your “bargains.” I have never seen a remodeling house addition that saved money.
NCH Marketing, a Valassis company, is the leader in coupon media delivery. Their studies show us coupon usage is still strong with 79.8% of consumers still regularly using coupons for CPG items (which refer to consumer packaged goods.) Unfortunately, what we see taking place is the increase in non-food category coupons making up 4.4% more available. Why is this a problem? The problem is most consumers tend to hold back on purchasing many of these items name brand and shop for private label brands instead. We also see 6.5% fewer coupons for food items that people actually need or want. The biggest complaint thus far seems to be, “I can’t find coupons for what I need.” Thus, the problem became a drop of usage by 17% in 2012.

Another big change we see in coupons is the purchase requirements went up. In other words consumers were asked to purchase two or more products to use the discount offered on the coupon. This type of coupon increased by 29% and affected approximately 45% of all food coupons. Some other changes taking place are the reduction of time usage for coupons. For example a coupon that used to be valid for 9 weeks on average is now good for only 8 weeks. Face value of coupons also decreased by 1.3% this year. For a complete report on NCH’s 2013 coupon facts go to www.nchresourcecenter.com.

So with all of this being said here’s what you can expect for 2013:

1. Quicker expiration dates with an average of 6-8 week life span
2. Less face value discount
3. More coupons for items you might be less likely to buy first
4. Requirement of multiple purchase to receive the discount offered

Does this mean couponing is on its way out? Probably not, however it does mean shoppers will need to be more aware of what the marketing trends are and become wiser shoppers. After 125 years of savings success, chances are couponing will continue. However, it is up to the consumer to set the standards. How can we make a difference in what we see taking place in the market of coupons?

1. Email companies for brands you would like to see coupons for. (An opinion without a voice is just dissatisfaction without a difference)
2. Use only coupons to buy the items you will use. In doing this you will show a trend for what you would like to see. (Where there is no demand, production will decrease.)

Consumers still have the upper hand by setting the standards for production. If we learn to shop wise, speak wise and save wise we will not only benefit our own households, but we will impact the decisions of marketers to provide us what we need and want.

                                                           New App Becomes Couponer's Friend

There's a new App in town that's saving couponer's hundreds of dollars. It is known by the name Ibotta. You may already be using this valuable tool to saving money, however if you’re new to Ibotta read on. Before I get into the specifics of this revolution in savings, let's take a look at the basics.

1) App's are software PROGRAMS that can be run on your computer, phone or electronic device.

2) Hundreds of saving apps are available

3) Some apps are free while others cost

Ibotta is a free app for the savvy shopper providing maximum savings with minimal effort. Does this app really pay off? You be the judge.

1) Top user for 2012 earned $5,010
2) Top earner in one receipt made $42

A $5000 deposit in my paypal account sounds pretty inviting. Here's how it works:

(NOTE:  this app is currently only compatible with Android devices running on platform 2.2 and newer, iPhone 3GS, iPhone 4, iPhone 4S, iPhone 5, iPod touch – 3rd generation, iPod touch – 4th generation, iPod touch – 5th generation and iPad 2 and iPad 3. I also found out my iPhone 4 must have iOS 5 to run this app)

1) Sign up for Ibotta
2) Once you’re registered, start choosing offers you’re interested in. (Simply choose products you intend to purchase, then take a survey, read a recipe, watch a video, etc… you choose!)
3) After you make the purchases you’ve chosen, take a picture of your receipt and upload it (using the app’s camera feature)
4) Once your receipt is uploaded, Ibotta will let you know within 24 hours that your credit is available.
5) Once your earnings reach $5 they can be transferred to your PayPal account or donated to any school in the US


Get started saving by visiting this site https://ibotta.com/r/88rwmg

 
Christmas is only a few days away and chances are you are making the final grocery shopping list to prepare for all the tastes of the holidays. Following the Christmas presents the next most anticipated pleasure is the food at my house. Every year we have the main meal as breakfast. Mom wakes up early, fills the stockings with sweet treats and begins the cooking. Sausage, bacon, eggs, gravy, biscuits, egg & cheese quiche and waffles (cinnamon & sugar, chocolate chip and homestyle). Then it’s on to the presents which take all of the morning as we unwrap from youngest to oldest. Once the wrapping is done, the cooks are ready for the afternoon nap while the kids enjoy their presents. Lunch is not even a thought until about 3:00. It is then we carve the ham and turkey for deli style sandwiches. Chips, cheese trays, olives, lettuce, onions, tomatoes and hoagie style buns top off the subs. But, what do you do with the leftovers when the thought of another sandwich turns everyone’s?

“Leftovers” has always been a word at my house that everyone turns their nose up at. It seems to say, “Better the first time around!” What’s a mom to do? We obviously want to be as saving conscience as possible and throwing out good food doesn’t fit that plan.

The first thing we must do is eliminate the word “leftovers” from our family vocabulary. Funny how changing one little word can change the way we look at things. There are no leftovers at my house, only “recreated recipes!” You see, leftovers have value waiting to be discovered. Furthermore, leftovers are not to be wasted!
 
“When the people had eaten their fill, He said, ‘Gather the leftovers so nothing is wasted.’”
John 6:12

Let’s recreate the Christmas Day menu leftovers for a week of suspenseful soon to be favorite recipes.

Bacon & Sausage—crumble and place in Ziploc bag for recipes
Scrambled eggs—
            Egg Casserole:
Add some crumbled bacon or sausage, add enough milk to moisten, 1 tsp. ground mustard, onion & green pepper if desired. Top with lots of cheddar cheese and bake till heated.
            Breakfast Burritos:
Add scrambled eggs, bacon or sausage to a soft shell taco cover with cheddar cheese, wrap and freeze in Ziploc freezer bags. (Pop them in the microwave for a hot breakfast)
Waffles—Place in Ziploc bags in the freezer. Let the kids pop them in the toaster in the morning for a hot, quick breakfast.
Gravy—
            Biscuit & Gravy Casserole:
Put frozen hashbrowns in a casserole dish, top with biscuits, cover with gravy. (I like to add a few touches of butter on top of the hashbrowns before adding the biscuits)Bake until heated through.
Ham—
            Ham & Potato Casserole:
Add cubed ham, sliced potatoes, 1 can cream of mushroom soup, ½ c of milk, 1 TBS butter. Mix in casserole dish, top with cheddar cheese. Bake till heated through.
            Crockpot Ham & Beans:
Save the juice from the ham and put in the crockpot add recommended water for beans deducting the amount for the ham juice, add chopped sweet onion. Soak northern beans overnight on low. (This gives the beans a wonderful flavor.)
 
Grind ham, add pickle relish to taste, mayonnaise and serve.
Turkey—
            Turkey Pot Pie:
Chop Turkey, add mixed vegetables, potatoes, 1 can cream of mushroom, 1 can cream of chicken, salt, pepper, garlic salt. Pour into pie crust lined casserole dishes. Cook on 350 for 45 minutes.
            Turkey Salad For Lunches:
Grind turkey, add pickle relish to taste, mayonnaise and serve.
            Turkey & Cheese Pasta Casserole:
Chop turkey, add cooked bowtie pasta, onions (if desired), fresh mushrooms, 1 can cream of mushroom soup, salt and pepper. Mix and top with Cheddar Cheese, bake until heated through.
            Turkey Vegetable Soup:
Onions, carrots, celery, salt, pepper, 1 can cream of chicken soup, 2 cups rice,  6 cups of water, (turkey broth can be added for extra flavor). Cook in crockpot on low overnight.
            Turkey Wraps:
Layer shredded turkey, shredded swiss cheese, bacon crumbles, lettuce, and tomato in soft shell tacos. Top with Honey Dijon dressing and eat.

By now you’re probably getting a little bit hungry. Before heading out to the store add a few of these extras to the grocery list and stir up some great holiday memories when it comes to eating the leftovers. I wish you and your family a warm, blessed and memorable Christmas.

As we get closer to the holidays we often discover the popular items are harder to find and this leads us to search the online stores. Many stores have already begun offering fantastic discounts online, many will even include “free shipping.” I love to save money, however, I love to make money even more when I can. There are several sites on the internet that will allow you to do just that! These sites are better referred to as “Rebate Sites.” Rebate Sites are free sites which will pay you to shop. Let me explain; simply choose from the list of stores on their site you wish to shop at and you will be redirected to that store where you will make your purchase and then a percentage of what you spent will go into your own online account. The great thing about these sites is the variety of stores you can choose from; for example; JC Penney’s, Ebay, Auto Zone, Kohl’s, Sears, Walgreen’s, etc…. The list goes on and on. Savings can even be found for hotels, specialty stores and more.  As an extra bonus on some of these sites you will receive a $10 gift card just for signing up. The balance in your account from purchases may be requested up to 4 times a year.

What are some of these sites? Here are a few of the most popular ones out there:

Ebates.com (One of my favorites)
Mr. Rebates.com
UPromise.com
Big Crumbs.com
Pennyful.com

Ebates is one of my 19 year old son’s favorite sites. He has saved so much money buying through this site. If you have to buy online you might as well get paid to do it, right? On most of these sites a percentage of 1-10% back can be expected. Occasionally, they will offer “double rebates.” This would be the perfect time to shop. Remember, you will need to use an email to sign up. I recommend creating one email for all of your couponing and discount. This way all of your promotional emails from these companies will deliver into your saving’s account and not your family or business account. Simplify your life by organizing your email in this manner.

Now, for some coupons to use when shopping through these sites. You heard me right; check out the following sites for discounts to apply when making your online purchases:

Retailmenot.com
Couponsurfer.com
Couponpages.com

Navigating these sites is relatively easy. Simply type in the store you are shopping for in the search box and discover if there are discounts available for your store. The site will either give you a code to enter upon checkout or a clickable coupon which will automatically be applied to your purchase at checkout.

Here’s another great way to save money this holiday season: Purchase gift cards at Kroger’s to make your online purchases for the stores you will be buying from (ex. Sears, Game Stop, Lowes, Aeropostale, etc…) and you will earn 4 times the fuel points. This offer expires Dec. 9^th.

Take advantage of these tips to save money, make money and buy discounted gas. Knowing what is available and using those resources this Christmas season will help you acquire the gifts you wish to give at greater discounts.  Proverbs 24:4 tells us, “by knowledge the rooms shall be filled with all precious and pleasant riches.”

Happy savings this week as you search out the gifts for all those on your list.

 
The approaching holidays should be the most memorable and looked forward to time of year. Unfortunately, holidays often bring more dread, anxiety and doubt than they do joy for many people. Questions often flood one’s mind like, “How will I keep up with the higher electric bill? What about the cost of holiday baking? How am I going to buy the kids Christmas?” All of these questions often send us scrambling for extra income and putting our minds on overload.

If you’ve been reading my articles you know I am a bargain hunter. Bargain shopping is great and there are several tips I want to give you for the holidays. However, in order for these tips to be successful you must restructure your thinking. One of the hardest lessons I had to learn 11 years ago (and still struggle with from time to time) is that of trust and surrendered control. When we struggle so hard to make things happen the way we want them to, we miss out on the joys of what’s happening. Before we lost our home eleven years ago, Christmas was fastly approaching and I knew there was no possible way I could buy Christmas for my children as in years past. Heartbroken and without option I began to look within my life to determine what brought them the most happiness in past years. I started to recapture images of their faces when they climbed upon my lap, when I played in the floor with them, baked cookies in the kitchen or simply took the time to watch a movie with a big bowl of popcorn. I realized that these were the times they enjoyed even more than playing with their new toys. You see, it wasn’t the gift of material possession that produced the most happiness, but the gift of love expressed through time given. My children don’t often remember what they get from year to year under the tree, but what they do ask me for every year is this, “Can we decorate the house and light the cinnamon candles? When can we bake all the cookies? Once we clean the house can we watch a Christmas movie and eat popcorn?” It’s the memories that last not the presents. Once you have this mentality every holiday season will be the best one ever. As a matter of fact, no matter what gifts I give my children each year they always tell me it’s the best Christmas ever.

You may think this article is a little premature with Christmas still two months away, however if you have been in the stores no doubt you have discovered it’s already on everyone’s mind. So, how about those shopping tips to help you make the much out of little:

1. Watch for & stock up on holiday foods already going on sale and use your coupons. Doing this will keep you from paying full price last minute when you’re trying to finish up the gift buying. (Coupons for all the trimmings started coming out last week—pumpkin pie, can milk, cranberry sauce, etc…)
2. Shop the liquidation stores & pawn shops. (I have found many items my children wanted at these places at huge savings. As a matter of fact, I have one son who buys all his Christmas gifts at pawn shops and everyone loves it.)
3. Help the kids make some extra gift buying money by posting toys they’ve grown tired of on eBay. Now’s the time to get it posted. Which makes another good point—shop & sell on eBay yourself. (One year I made all my kids Christmas money by selling several of one hot item. I put them on layaway till they sold and my investment paid off.)
4. Take advantage of coupons that come in the mail for “customer appreciation” or for “email signing up.” Here’s what I mean—this week I received a $25 coupon from a clothing store good toward any amount of purchase. Use these types of coupons on the clearance rack and you’ll score a free gift for a friend. Also, when you sign up at stores like Kohl’s for their email list they’ll send you a $5 coupon good toward any purchase. Again, stack it with a 30% off sale and the clearance rack and you’ll save big. (Watch Bath & Body Works for some great coupons for free stocking stuffer items with any purchase.)
5. Use $ back rewards (RR, ECB, +UP) from needed products at drug stores to purchase gifts. Black Friday usually presents a 50% off sale on toys. (We’ll have to wait & see if this year is the same.) Save those rewards just in case. Note: Watch the expiration dates.

Finally, I want to leave you with this poem. I wrote this eleven years ago and gift wrapped it in box for my children and put it under the tree.

OUR CHRISTMAS GIFT
 
There won’t be gifts this year
beneath the Christmas tree.
No pretty paper & shiny bows
for you to see.
 
We could not buy expensive toys
or make sweet treats for you.
The cupboard was empty once again,
but, I’m sure God will see us through.
 
Oh, how much our heart desired
to fill your every wish.
To storm the stores so happily
to fill your Christmas list.
 
If desire were all it took
to give to you this year.
The tree would be full of all the things
that would bring you Christmas cheer.
 
Oh, how I’ll miss that moment
as your eyes light up with joy.
When you would open the package
that held that long awaited toy.
 
When you awake on Christmas morn
I hope you’ll understand
It’s not because we love you less
we just don’t have the means within our hands.
 
We don’t know why these times are hard
we really wish we knew.
Then maybe we could help each other
to better make it through.
 
The only gift we have to give
We freely give you now.
It’s a gift God gave many years ago
His love, in a quiet little town.
 
He spent no money, but gave His best
choosing so carefully
To give us that which would bring us joy
a gift wrapped for us especially.
 
The gift you’ll find this year,
underneath our Christmas tree
A box with a heart inside
labeled “Our never ending love” to: you, from: me!

By: Ann Haney
Copyright ©2007
All Rights Reserved
 
 
 
 
 

Probably, the number one reason I hear from those who do not coupon is this, “I don’t have the extra time.” Now I am in no way questioning the fact as to whether our lives are busy. I think everyone living in today’s times experiences the busyness of life. Busyness comes in many aspects, however some experience the inability to control their time do to schedules that are set for them. Those who work from home do experience the ability to control how their time is divided more easily than the person who works a job outside of the home. However, should position determine prosperity? I do not believe it should. The approach to saving may need to  be different, but the prosperity of couponing should be the same.  Let me challenge you with a thought, “Circumstances are stepping stones to the discovery of solutions.” All women and men for that matter should experience the benefits derived by reduced expenses and increased provisions. Learning how to adjust time to increase abundance should be the solution we set out to discover.

All of this being said you may be thinking, “Sounds great, but I still don’t see how I can possibly set aside the time. I work all day, pick up the kids, stop by the store, cook supper, help with homework, bath the kids and collapse, then do it all again the next day.” I want to make a very important statement here regarding couponing—Your life cannot center around couponing, but couponing should find its fit in your life. Think with me for a minute how many trips you make to the store each week. Is it 3, 4 or more? Does each trip take at least 30 minutes, including to and from and time at the store? Does it cost you at least $40 each trip? If you answer yes to these questions then you are spending approximately 1 ½- 2 hours a week shopping and spending $120-$160 a week on groceries.  What if I told you I spend 1 hour a week in preparation for my trip and 30 minutes at the store spending only $60 for the week? Looking at this you can easily see my time investment is no more than yours and my spending is less than half. Impossible you might think. How does she do that? I’ve tried, but it doesn’t work you may even say. I want to give you 10 tips that make this possible:

1. I don’t try and get every dynamic deal offered
2. I focus on what my family will use
3. I don’t stress over studying my coupon book to use all the soon to expire coupons
4. I plan my trip to the store by combining it with other planned trips (soccer game, church, meetings, etc…) No need to make two trips when you can make just one.
5. I buy multiples to reduce the need to go again in a few days (not extreme buying, just planning ahead)
6. I plan my list and pull my coupons when I have to be somewhere but am not actively involved (soccer practice, doctor, dentist, etc…)
7. I get my rain checks on items the store is out of (often another coupon will present itself before the rain check expires.)
8.  I don’t try and beat everyone to the store (Sometimes, this can mean a rain check, but    it always means you stay in control of your time)
9. I buy what I don’t need today for what I’ll need tomorrow if it’s on sale and I have a coupon for it.
10. I teach my children to identify coupons we’d use and assign them cutting & classifying as a chore. (Remember, you are training a future saver. What more do we desire for our children than to experience financial freedom when they are adults)

Yes, couponing may be something that presents another assignment into the life of an already busy person, but think of it this way—if I spend just one hour a week on couponing yet save $200, I just made $200 an hour for my effort. I don’t know about you, but I don’t know any job that pays these wages. So I ask you, “What could you do with an extra $200 a week? Maybe work less overtime, take a family vacation, start a savings account, pay off debt?”

“Hard work always pays off; mere talk puts no bread on the table.”
Proverbs 14:23

Are you ready to take on the assignment to saving and start couponing? If you still need help pulling it altogether and learning the system I use to organize my couponing come see me at the Every Woman’s Expo at the Lebanon High School Sat. Oct. 27 from 9:30-1:30. I will be presenting 4 twenty minute  sessions on couponing including, “1-2-3’s to Successful Couponing, Maximizing Savings & Minimizing Time, Discovering Drug Store Rewards to Dynamic Savings, Clipping Coupons to Debt Free Living.”

 

I hope you have discovered some of your positive characteristics and those areas which pose a challenge for you with the help of some trusted friends. It is important we understand that all of us possess positive traits that give us the ability to do certain things well. “God has given each of us the ability to do certain things well.” Romans 12:6  So let’s understand this—You can’t say I’m not good at anything and be accurate! I want to look at two key factors necessary for discovering your purpose:
Passion—The act of desiring something intensely. If you don’t have a passion for what you are doing you will not be able to build a passion in others. You must believe in what you do or make before you can sell it to others. Passion can’t be faked. Eventually your dissatisfaction will surface if you are doing something you don’t like. You can endlessly change circumstances surrounding what you’re doing, but as long as you keep doing it you will meet with frustration. It is said of James Audubon, who founded the Audubon Society, that he endlessly changed locations, partners and businesses, but it wasn’t until he changed that he achieved success. Unfortunately many people try and make their career what they want instead of making it what God intended. This is often because we think we know  what will make us happy more than God does.  So tip #1 is:
*Your purpose will be something that brings you pleasure
 Pursuit—A search that occupies one’s time and thoughts. Are you actively looking for your purpose? Where are you looking? Are you only looking based upon your human reasoning or are you asking God to fulfill his purpose in you? The fact is most of us do not know what we are called to do and we search in vain when we do not ask God to direct our steps. “Commit your ways unto the Lord and He will cause your thoughts to become agreeable to His will SO SHALL YOUR PLANS  BE ESTABLISHED AND SUCCEED.” Proverbs 37:5  This is probably my favorite scriptural counsel. When we step out to try a plan we must first commit it to God. In other words, “God I am going to try this or that.” At this point He will start restructuring your thoughts to line up with His plan, thus your life meeting with success. So tip #2 is:
*Your pursuit will only be successful when it is committed to God first
Let’s look at 4 preliminary assignments before undertaking any plan:

1. Identify your fears-

Ask yourself why you fear this? What does the Bible say about these fears?

2. Matching your talent with careers that can use this talent

For instance, if you are a great artist you might consider a job as an illustrator, graphics designer, art teacher, etc…

3. Daily spiritual empowerment

Each day must be equipped with devotion, prayer and praise in order to open the communication lines to God

4. Surround yourself with positive people

Unfortunately, there is more negative in this world than positive, even amongst Christians. However, it is crucial to your future to gain insight from someone non condemning who notices and encourages your positive characteristics.
 
The assignment for this week is to find at least 2 people you can confide in who will be your business cheerleaders. Also, take your list of positive traits and list at least 3 ways you could use each trait in a career.

 
In part one I gave you a lot to think about regarding what your purpose is for pursuing success in your life. If you came to the conclusion that success is to glorify God & give you a heart for others first and foremost than you are ready to find out how to manifest God’s abundance in your life. First of all, we must understand we can never change the plan of God for our life. The scripture tells us, “Does the clay argue with the potter?” Romans 9:21 Neither can we change God’s mind concerning what He will use to bring us success.
 
This may sound a little disheartening at first, but consider this—what if God gave you exactly what you needed to accomplish that plan? The good news is, He has. The better news is—these gifts to fulfill the plan for your life were meant for you and you alone. There is nothing worse than trying to complete a job without the proper tools. This is not the case when we set our minds and efforts on the job God has for us.
 
Recently I spoke to a group of teens at Chicago, Alabama and Atlanta. I brought in a homemade volcano and recruited 2 volunteers to help me. The first poured the baking soda in the volcano. I asked them why nothing happened; their response we need to pour in the vinegar. As you guessed when the vinegar was added an eruption took place. I want you to think for a moment. The volcano is your life, each with a different structure, no two identical formations or eruptions. The baking soda is your gift. It is already inside of you, but requires an added ingredient to produce a reaction. The vinegar is your belief of God’s power to produce. When you move into action by teaming up your belief with your gift you will undoubtedly produce a change in your life. Now consider this, the lava that flows from the volcano changes the structure of the volcano and everything it comes in contact with as it begins to reach a state of activity. Such is your life when you stir up the gift of God in you. It will not only change your life, but it will change the lives of those around you.
 
“Stir up the gift of God which is in thee….”
2 Timothy 1:6
 
At this point you are probably saying, “Okay, I accept the fact I have a gift, but how do I know what it is?” This is a very good question and I believe one that can be answered by looking into 4 different areas. Next week we will go one step farther and discover what these 4 areas are. Until then I want to leave you with an assignment. Evaluate your life in regard to positive characteristics and negative characteristics. Ask 2 people (those who will give you honest opinions) what they believe to be your strong points and what they believe to be areas they see you need more confidence or improvement in.
 
Next week we will use these points along with some other tips to help discover what God may be calling you to accomplish in your life.
 
Until then I pray you have a blessed week!
 

 
Today we see more and more people dissatisfied with where they are in life and unsure of where they are going. This is not God’s plan for His people. The enemy would like to keep us in this state of unknowing. Why? So we will never experience the abundance and peace in life God has planned for us. Before we can experience this we must be assured that God had a plan for our life that know one could fulfill but us.
 
          “Before I shaped you in the womb, I knew all about you. Before you saw the light of day, I had  Holy plans for you.”
Jeremiah 1:5
 
We can clearly see God has a plan for our life. Does God ever orchestrate a plan that is insufficient to produce success? Think about it, everything God has created and spoken into existence has been to bring us pleasure and deliverance. Although we often experience hardship, it is God’s plan that we experience peace and satisfaction in this life.
 
“Come to me, all who labor and are heavy laden, and I will give you rest. Take my yoke upon you, and learn from me, for I am gentle and lowly in heart, and you will find rest for your souls. For my yoke is easy, and my burden is light.”
Matt 11:28-30
When we find ourselves overworked, overtired, and overwhelmed, we are told to take the “yoke of Christ and learn of Him” to find rest and peace. What is this yoke? Yoke means to join or become linked together. That being said we are to link ourselves to Christ to experience this rest and satisfaction. We do this through time set aside to learn of Him through prayer and Bible reading.
The first prerequisite for those who are dissatisfied with where they are at and do not know where they’re going is to take the yoke of Christ. It is through this action that clarity of purpose will be revealed for your life. Sometimes we are too busy trying to try that we fail to learn.  Often the mentality we have is this—we must be busy to be blessed. When the truth is this—we must be still to understand what brings forth the blessing.
Are you starting to see the importance of the order of God’s plan? All too often people miss the first step or fail to understand it’s importance. You may be wondering though, what is God doing today? First of all, I believe that God is not surprised by the decline in the economy or the failures of our government structure. He knew what would happen and had a plan for the deliverance of those who turn to Him for stability. Just as He knew Adam and Eve would bring sin into mankind, He knew the government officials would turn from Him and engage in more sinning.  However, just as God had predetermined a plan for our salvation through Christ, He has also prepared a plan for our security in this lifetime. How do I know this? We can see it throughout history. God sent Moses when the people were in bondage to Egypt. God sent Gideon, Barak, Jephthah and Samuel when in bondage to the Philistines and Moab. It goes on and on. God loves His people and prepares a way for their deliverance. Now to answer the question of “what is God doing today?” I believe we are seeing a generation of people who are not afraid to stand up and declare “I am tired of being captive to the economy and I’m ready to fight for my future.” It is through these bold people like Joshua and Caleb who saw the giants but declared, “let’s go up and possess the promised land,” that God will lead to a life of success. We are seeing more and more people seek God to discover their talents and use them to glorify Him, produce wealth and bless the lives of others. For instance, businesses who declare I serve God and He is the foundation to my life and success. One local business in my area comes to mind—a restaurant that opened up where they come out at the beginning of the lunch and dinner hour and pray over the meal and proclaim their belief in God. This business is always packed and will be successful because they have taken a stand to pass on not only blessing to people, but acknowledgement of God.
 
This is part one to a continuing message that I hope will help you discover God’s plan for your life individually. So as I close out part one ask yourself these questions :
 
Is what you’re looking for more about what you want or what God wants for you?
 
Do you believe God has a plan for your life only you can fulfill?
 
Does it stir your heart when you see hurting people and cause you to think about ways to help them?
 
Do you want to please God more than achieving any success in life?
 
You see in order to have everything God has for you it requires giving God everything you have.

At the start of this year God placed a desire in my heart that I believe is His desire for His people—“A people sold out to follow His will for their lives with an anticipation and promise of provision.” I began seeking the Lord on this message He prompted me to carry to His people and as I did doors began to open up for speaking opportunities across the nation.

We have heard from many great preachers and teachers a message like this before, however we still see so many people lacking the determination to follow through with what God wills for their life, thus keeping them in bondage to their comfort zones where they know what to expect. The message I want to share with you is a message of real experience not just words of “You can do it.” Motivation is a great thing, but I believe it is when motivation meets “real people with real challenges and real victories that success can be achieved. Today I see many people telling of their triumphs and encouraging others to do the same. The problem I see with this is they fail to tell the emotions and trials that occur on the way to victory. The bar is set so high for people they feel they can never do what others have done. The truth is this—“We all can achieve victory through the plan of God for our lives, however we all get there along the path of persistence, sweat and continued effort. When you think it can’t get worse and it looks like all hope is gone, this is the time to prepare for the victory and push through the trials.

In this article I want to be totally transparent with you regarding the call God has placed on my life so you too can reach the success God wants for your life.  At the beginning of the year God asked me to step out and offer myself to speak in areas other than couponing, more along the lines of becoming successful through the gift God places within us. I was prompted to write my book, “Exploding Into Successful Entrepreneurship—Bringing Your God Given Gift To The Surface For Success.” This book was a story of what God has been teaching me over the last 22 years of my life. The first thing I want to tell you is this—“When God moves you in a direction, expect the enemy to throw roadblocks to challenge you.” It is not Satan’s desire that you live in the abundance God has planned for you. 1 Thessalonians 2:18 states, “We wanted very much to come to you, and I, Paul, tried again and again, but Satan prevented us.”  Now keep in mind Satan can only challenge if the Lord allows this (Remember Job). It is times like these we can often wonder why God doesn’t just clear the way and keep us from these challenges. We must remember,  “ I have told you all this so that you may have peace in me. Here on earth you will have many trials and sorrows. But take heart, because I have overcome the world,” John 16:33. God goes with us through the trials and promises to strengthen us. It is through these challenges that determination is built and mountains are climbed.

Opportunities for speaking began to open up for me across the nation, however as I continued writing this book one challenge after another presented itself to try and hinder the progress. The day I picked them up from the printers was a day of victory and accomplishment after several weeks of challenge. Finally the day came for my first long distance speaking engagement to Chicago and Colorado. The week we were supposed to leave presented us with a number of challenges. We had money set aside for this trip when $1400 worth of immediate mechanical and technical issues depleted our source of supply. At this point it was determination or defeat. We determined God had ordained this trip and began praying and moving forward without any sign of provision. God miraculously poured in what it had cost us in repairs through sponsors for this trip. Let me say we were down to 5 days before departure. Yes, God does often come in the midnight hour. You have heard it said, “He’s never early, but right on time.” The key is knowing He has ordained the appointment and He will deliver the provision.

Our Chicago trip was a tremendous spiritual success as confirmation was received by some on callings God had spoken to people and many were excited about what God would do in their lives. These are the positive things you look for and expect as you step out into what God ordains. God provided the funds to continue the trip to Colorado where we knew God had a purpose in our lives and the lives of others. Once again we saw God present some wonderful opportunities to help others from the campground we stayed at to the expo I spoke at. It is important to remember that when God places a call on your life it has a three-fold purpose-- to bring glory to Him, success to you and blessing to others. At the end of this expo in Colorado our mission came to a close with now only the trip home remaining. Many challenges presented themselves including a busted valve on our vehicle, 4 blown tires and a busted water heater on our camper. Most of our challenge seemed to hit in Kansas and I joked about feeling like Dorothy just wanting to go home. Seriously though, the emotional frustrations do attack and question our direction many times. It is at times like these we have to remember, “the steps of the righteous are ordered of the Lord.” Psalm 37:23 These are also the times we must look for the good in where we are, what we’ve been doing and know that there is a purpose for where we are as well. One of the hardest points for man is to have a plan (ours was going home) and not being able to carry it out as you had planned. What you do at this point will determine how fast you achieve success. Disappointments will cause us to make one of two choices—determination or depression. Determination will enable you to see God in everything confessing, “If I can’t get there God must have something for me to do here.” Depression will cause you to say, “I will never step out to follow again unless I am in control.” Obviously, we can know which decision God is looking for, but it is often a battle to lay down our will. It especially becomes hard when provision seems to arrive slower than we like leaving us uncomfortable. By uncomfortable I am going to be very real with you here—our struggle meant survival food and no hot water. The end result God provided through sponsorship to get us home.

Will we go again? The answer is “yes.” Why? Because where God calls, God has a plan to bring about completion and has established provision. His plan has a purpose to help others who He is depending on us to reach with hope and purpose.

Is this living successfully you may be wondering? I believe God desires for His people to experience success in all parts of their lives spiritually, emotionally, financially and physically. I am reminded however, that on the way to the promised  land God led the people out of the bondage of Egypt but through the wilderness. When it came time to possess the land the giants brought fear and frustration to the people. They basically said we can see it, but we don’t have what it takes to possess it.  It was how the people responded to the giants that determined if they reached their destination successfully. Joshua and Caleb saw the giants but proclaimed, “Let’s go take the land, we can do it.” (Numbers 13:30-33) The (discouraged) people determined at this point to pick a new leader and head back to Egypt.  The result was this—only Joshua and Caleb and all under the age of 20 entered the promised  land. Success is experienced by the determined. I want to share a quote with you from Thomas Edison, “Many of life's failures are experienced by people who did not realize how close they were to success when they gave up.”

So what is required to enter into a life successful in all ways? It requires a person to proclaim, “Be It Unto Me.” Mary made this proclamation allowing God to direct the course of her life. Her plan was to become a wife and mother,  just like all the other women she knew. What did she receive when she accepted the call of God on her life? A life of more than she could have dreamed! Not only was she a wife and mother, but she become the mother of God’s son and the gift took her places she would have never dreamed of.  How did Mary position herself to answer this call?

Mary knew who she was to God—“Thou are highly favored.” She had an open mind!
Mary cast out fear—“..You have nothing to fear, “  the angel told her. She had a controlled mind!
Mary was willing to learn—“How can this be,” she asked. She didn’t say, “This can’t happen.”
Mary trusted—“..The power of the highest will hover over you.” She believed in God’s ability.
Mary sought out support---“Elizabeth conceived a son, old as she is, nothing you see is impossible with God.” She went to see Elizabeth who could testify to God’s ability.

In order to live successfully we must : Know who we are to God, Remove fear and doubt, Seek answers, Trust in God’s ability to produce and Surround ourselves with positive people who will believe with us.

My prayer for you is that you leave Egypt (the comfort zone that keeps you in bondage) to enter the promised land (the fullness of God’s blessings that manifest itself in success spiritually, physically, emotionally and financially). I pray that you take the challenges with the mind of Joshua and Caleb and speak forth, “Let’s go get what God has for us, we can do this.” May confidence be high, fear be nonexistent, trust be ever present, wisdom be your guide and provision be readily available as you move into God’s will for your life.

If Kroger’s is your favorite store to shop at, what are the deals that deliver the biggest discounts with coupons? Let’s take a look at some different type deals you find worth the effort at your Kroger’s store and how they work.

10 for $10—You may purchase only 1 of these items and still pay just $1. Watch for things like Weber’s Seasoning, Hormel Pepperoni, Toothpaste, Deodorant, Kroger brand buns, fresh carrots, and more. Many will have manufacturer coupons, however store coupons you receive in the mail will often have coupons for Kroger brand buns and fresh produce, like carrots. Keep in mind the coupons you receive in the mail (the red & tan ones) are generally generated based on your previous buying patterns. So a good way to get more coupons for certain items is to buy those items.

$5 Catalina with purchase of $20—Deals like this will issue you a Catalina worth $5 off your next shopping order when you make a purchase of specified items that equal $20.  This is a good time to do a couple of transactions. Buy your $20 worth of items using coupons in transaction #1 and pay for milk, fresh veggies, meat, etc.. in transaction #2 with your $5 Catalina. This way you won’t forget you have it and lessen your chance of it expiring.

$3 Catalina with purchase of 10 items PLUS $3 discount on 10—This type of deal can be a little confusing. Basically it works like this: Purchase 10 participating items and the cash register will deduct $3 and print you out a $3 Catalina. In summary you save $6 by purchasing 10 participating items. This makes for a great deal when you apply coupons on the items.

$4 off 4 or $5 off 10 Mix and Match or Mega Deals—These deals are frequent, especially the $5 off 10 items. Very simply stated; the register will take off $5 or $4 depending on which one they are offering when you purchase 10 of those items. “But, I only want 6 of the offered items,” you may say. Here’s how you do it, so you don’t miss your $5. Find 4 items that are offered that are lowest in cost (many times this will be tuna, single serve mac & cheese, and others.) Use these items to make up the difference. It is worth grabbing them so you don’t miss out on the $5. Generally they will run $.49, therefore four of these would be $2 meaning you still save $3 on the items you wanted. They can always be passed on to a food bank.

Save $2 WYB $10 worth—This deal works when you purchase $10 worth of participating items. An instant $2 will be deducted from your total purchase. Very similar to the Mega Deals other than the fact your purchase is based on dollar amount other than quantity purchased.

Always keep a look out for mark down items that are soon to expire. You will often find these in the dairy section. In our house these items are usually used up quickly so their quality remains good. Don’t forget—if you shop at Kroger’s you are accumulating gas points.
 
Now for some good news! If you have been watching to see when we hit the target for the Kroger gift card deal, the time has arrived. The deal is on! Order your $5 Kroger gift card on our website for $5 (no shipping charge) and  use this card regularly to pay for your gas, groceries and prescriptions. Simply reload it right in the checkout lane. It’s fast and easy and it enables you to be entered for a $25 grocery giveaway monthly. The winners will be contacted via email and listed on our website. First drawing will take place May 25^th, so hurry and get your cards.   When you do this you are also supporting our ministry. Kroger’s donates 4% to Ann Haney Ministries of the total loaded on these cards. If you have been to my workshops you have heard me teach on “Give and It shall be given unto you.” Giving reaps blessing upon your household and allows this ministry to continue to share what I’ve shared with you. If you have experienced savings, help me pass on the knowledge of saving to others as well.

This week I felt the need to speak to you on concentrating on the simple things often forgotten in life. Life has a tendency to become so busy as we strive to find the resources to enhance our life financially and deal with daily routines. Work and tasks will always be a part of our lives, but our lives are meant for more than this. God wants His children to take time to focus on building meaningful relationships, enjoying the simple things that nature provides and the joys of helping others find hope. So often a disappointment or a challenge can leave us questioning or complaining and looking for an answer to make up for a lost opportunity. I want to pose a question to you. Could the lost opportunity actually be an opportunity for something else God wants to bless you with or an opportunity of a different kind?

Over the last few days the Lord has been showing me that what I planned does not always happen, but if I am willing to move forward in peace I will experience a greater blessing than what my plan could have held. A few days ago I was eagerly awaiting a meeting that would open up some potential for my ministry. However, the meeting did not come about. As I waited an opportunity at the time the meeting was to occur arose for me to share God’s love and purpose for our lives with a young man who had been facing drug addictions, anxiety, and depression. I was able to spend about an hour sharing my testimony of God’s faithfulness and desire to help him discover the plan He had for this young man’s life. God knew this was more important than my meeting. Meetings can be rescheduled, but lives can’t. I can’t tell you how blessed I was when I left. I wondered if this divine appointment was not for me as well. istSometimes we just need to reflect on things of greater value and allow God to direct those steps. Let me also say, my meeting did come about, but it was in God’s timing. We must be willing to let God change our plans. Allowing Him to do this brings greater blessing to your life than what you think you want.

As I sit here and write this today, I am in a beautiful town where I was to present 3 classes. One of the classes had no turnout and my plans became restructured. I found the greatest blessing with this time of change as I decided to take my children to the park until time for the other class. I did not expect what followed; the most beautiful serene park overlooking a lake, ducks swimming, sun shining, breeze blowing, and hills in the background. As I sit here, I can’t help but thank God for changing my plans and helping me reflect on the beauty and peacefulness of just sitting in His presence and taking time to listen. Was my time wasted or costly? Not at all, I not only received a refreshing, but received several emails from people wanting to attend tonight’s class. I believe we just need little reminders that a change in our plans is blessing to discover. We can approach the change with frustration resulting in the inability to discover something greater OR we can say, “what opportunity awaits me now?” What causes us to so often stress out when we aren’t constantly working and making what we believe to be financial or productive progress? I believe it is fear! Fear of losing an opportunity to bring about progress in our lives. However, what is often happening is a setback as we fail to see the new opportunity that awaits. Taking time to enjoy what doesn’t often seem like progress is God’s way of helping you reach your goal quicker. God doesn’t want you to achieve success financially, without achieving success emotionally, physically and mentally. If those areas aren’t growing you aren’t going to find happiness.

My challenge to you is this: The next time something doesn’t go the way you want it to or think it should, make up your mind to look for an opportunity to be refreshed or refresh someone else. There is a reason for the change of plans and it may be to change you into someone who is well balanced, emotionally, physically, mentally and spiritually.

We have talked about good friends to look for, now it’s time to look at friendships that require you to “proceed with caution.” These are what I call the “be prepared to stop friendships.” These friends do not generally produce good fruit. What are some indicators of a friend that could hinder your child’s spiritual growth? Let me say, these type of friends are not beyond help, but the question is rather, “should your child be the one to try and help them?”

Proceed With Caution Friends:

--a child who criticizes his parents
“The eye that mocks a father, that scorns obedience to a mother will be pecked out by the ravens of the valley, will be eaten by the vultures.” Proverbs 30:17

--a child who disrespects any authority figure (even in a joking manner)
“Obey your spiritual leaders and submit to them [continually recognizing their authority over you] for they are constantly keeping watch over your souls and guarding your spiritual welfare, as men who will have to render an account [of their trust.] [Do your part to] let them do this with gladness and not with sighing and groaning for that would not be profitable to you [either.] Hebrews 13:7

--a child who constantly debates unimportant things to prove himself right
“Remind [the people] of these facts and [solemnly] charge them in the presence of the Lord to avoid petty controversy over words, which does no good but upsets and undermines the faith of the hearers. 2 Timothy 2:14

--a child who always complains and speaks nothing positive
“Do everything without complaining or arguing.” Phil. 2:14

--a child who puts own desires above God’s (anything from disobeying God’s word to putting other events before church)
“They will be treacherous betrayers, rash, and inflated with self-conceit. [They will be lovers of sensual pleasures and vain amusements more than and rather than lovers of God.”]2 Tim 3:4

--a child who is constantly bragging about self
“Lift not up your [aggressive] horn on high, speak not with a stiff neck and insolent arrogance.” Psalm 75:5

--a child who alters their appearance to gain acceptance
“Walk and live [habitually] in the Holy Spirit, [responsive to and controlled and guided by the Spirit]; then you will certainly not gratify the cravings and desires of the flesh (of human nature without God.)” Galatians 5:16

“Now am I trying to win favor of men, or of God? Do I seek to please men? If I were still seeking popularity with men, I should not be a bond servant of Christ (the Messiah).” Galatians 1:10

In 2 Timothy 4:10 Paul talks of Demas, who once was a friend of his, who returned to his worldly ways (devoted to or concerned with the affairs, pleasures, etc… of this world—by definition.) Demas along with others conducted street ministry that brought new believers to Paul for discipleship. During Paul’s second imprisonment, however, Demas deserted him and returned to his love for worldliness. We see here a prime example of someone putting his own desires above that of God. In James 4:4 it warns us “Anyone who chooses to be a friend of the world becomes an enemy of God.” Paul goes on to talk of another friendship turned bad in verse 14. He talks of Alexander, stating “Alexander the coppersmith did me great wrongs. The Lord will pay him back for his actions. Beware of him yourself for he opposed and resisted our message very strongly and exceedingly.” It is believed that this once believer turned blasphemer due to loss of business under the impact of the gospel of Paul. In this example we see another friend concerned more for the things of this world than that of Christ. Beware of those who resist the message of Christ to follow the message of the world. Another good example of worldliness is that of the prodigal son. He had a love of money and the world and it brought him to a place of recklessness with his life, which eventually led him to a position of slavery. We must encourage our children to stay away from friendships centered around the things of this world. The list is unending to what these can be: drugs, sex, alcohol, revealing and improper apparel, or anything that focuses on drawing attention to oneself through outward appearance or actions. The problem with these actions are that they are birthed out of an insecurity in the self-worth of that individual and therefore they are led by their desire to be accepted rather than knowing who they are in Christ and relying upon His acceptance of them. Usually those who feel the need to change to be like the world are seeking the world’s approval. Most of the time these children will do whatever it takes in search of feeling good about themselves and their conscience is often seared as to what is right and wrong in the eyes of God. It is seen among many youth today that claim they are Christians, living for God (and believe they truly are), when in fact their actions oppose that of what the word tells us is Christ-like. This is a danger zone. We must teach our children the scriptures concerning the behaviors of this world to reveal what Christ expects of them today.

I have heard many concerns regarding Wal-Mart’s acceptance of coupons. Many have found themselves challenged when it comes to using coupons at Wal-Mart. First of all, let me remind you that each store can vary according to the manager’s discretion. However, there are some basic rules to follow when shopping at Wal-Mart. Let’s review their policy:

1. They match competitor ads.

 
Prices will be matched for loyalty shopper card prices, however, if the deal is given at the competitor based on a specific # of items being purchased this will not apply to your purchase of a single item. For example, if Kroger’s has dressing for $1.25 with Kroger card they will match it. But, if the dressing is in a mega deal where the requirement is to purchase 10, they will not generally match this.  
 
Remember the ad must have the specific price point of the item and the description, ounces, etc.. must match. On BOGO deals the ad must state a specific retail value. Wal-Mart will not give you this deal based off of their shelf price.
 

2. They do not double coupons.

 

3. They do not generally accept other store coupons

 

4. Catalina’s from other stores are accepted if they state manufacturer and have a specific regular retail amount for the product shown and do not say “redeemable only at.”

 
Let me clarify this a bit. Catalina’s generally do state manufacturer even though they were printed at a specific store. As long as the Catalina does not say it can only be used at that store it is a coupon that will be redeemed to Wal-Mart from the manufacturer. Very rarely however, do I see Catalina’s that give the specific price point of the item. Register Rewards, although they are Catalina’s are usually excluded from this rule.
 

5. Overage is given in cash or rolled over onto other products if the coupon exceeds the value of the item.  Most all Wal-Mart’s do this.

 

6. They accept most internet printable coupons

 
Now this is an area where coupons are generally scrutinized a little more. Due to the increase in Extreme Couponing these coupons are checked for copying, faulty coupons, etc.. I have found this area to not be worth trying myself. I have found using free standing coupons much easier to use and printables not worth the effort. If you do choose to use these coupons I would personally ask the Customer Service Manager or Store Manager their specific policy on this before trying to use them. This way you will have permission and will know who you talked with when you get to the checkout.
 

7. Some will allow you to use a BOGO coupon with another $off coupon for the one you are paying full price for.

 
 This will vary per store. I have seen some who do accept this and some who don’t. Again ask before you try, it saves frustration and embarrassment.
 

8. Most stores will allow a competitor ad with a coupon

 
Overall, my advice would be this—Wal-Mart can save you money if you shop wisely, however, grocery stores often can give you more for your money because of their more consumer friendly policies. To get the most for your money at Wal-Mart you will need to Competitor Ad shop and apply coupons to your purchase. Otherwise, you will find that even generic can end up costing you more money. Don’t get discouraged when couponing at Wal-Mart. Slow and steady does it.
UPCOMING COUPON PRESENTATIONS:

Thursday, March 22— (FREE)
 10:00 A.M– 12:00 P.M.

INTRODUCTORY LEVEL 1 WORKSHOP

Nashville Career Advancement Center, 1313 Old Fort Pkwy, Murfreesboro, TN 37129
 
Tuesday, March 27— (FREE)
6:00-8:00 PM

INTRODUCTORY LEVEL 1 WORKSHOP

Scott County Board of Education, 208 Court St. Huntsville, TN
Contact: Terri Keaton terri.keeton@scottco.net
 
Wednesday, March 28—(FREE)
12:00-2:00 PM (1^st workshop)
5:00-7:00 PM (2^nd workshop—this will be a repeat for those who could not attend the first)

INTRODUCTORY LEVEL 1 WORKSHOP

Scott County Office Building, 2845 Baker Hwy, Huntsville, TN
Contact: Jeremy West 423-663-4777
 
UPCOMING LIFE ENRICHMENT PRESENTATIONS:

Saturday, March 17—(Registration Fee -see home page for details, event is a Renee Bobb Enterprises Event I will be speaking at)

“4 Key Steps to Successful Entrepreneurship” (my topic) 4 other speakers will be presenting as well.

Nashville Empowerment For Women Workshop, Goodwill Industries of Middle TN Inc., 937 Herman St. Nashville, TN
 
Saturday, March 24—(FREE)

“Be It Unto Me—Birthing the Promise of God in Your Life”

Women’s History Program, St John’s Missionary Baptist Church, 1833 Tiny Town Road  Clarksville, TN
Contact: (931) 920-5683

Catalinas can often be quite confusing for the couponer for many reasons. What stores give them, what stores take them, how do they work, how do you get them, and so on? Before we take a look into the details surrounding this often confusing discount coupon lets discover what they actually are.
Catalinas are manufacturer coupons printed out by some stores based upon what you have purchased.  For instance, if you purchased one brand you might receive a Catalina coupon for a competitor brand to encourage the purchase. Often times the Catalina will be for a specific amount off your next purchase. For instance it may say purchase 2 receive $1, 3 receive $2, 4 or more receive $3 etc.. You will often recognize this coupon by its long rectangular shape. You will note that it states manufacturer and has a date of expiration. Most times they will also show the store logo of the store you received it at.
What stores offer Catalinas? Some of the stores you may see these at are:

            Target             Food Lion                     Walgreen’s                  Kroger’s           Kmart

How can I find out what Catalinas will print out? Because Catalinas are based on what we purchase, it helps to find out what our purchase needs to be to receive this coupon. One website you can go to that will help you plan the print of the Catalinas you want to receive is couponnetwork.com. First, register on their site. Second, choose the stores in your area you want to include. Third, Click on my stores to see the offers available. Fourth, the offers that appear in blue are actual coupons you can print and the offers that appear in green are Catalinas being offered. (You will have to print out the Catalina offer to see details as to how many of the specified item you must purchase to receive the discount shown. (Keep in mind this specific print out is not a coupon, but an informative as to the details of the offer.)

What if my Catalina does not print out? Yes, you can still get your Catalina. Simply call this number 1-888-8coupon and give them your receipt number and if requested your loyalty shopper card number. They will mail your Catalinas to you within 6 weeks.

Can I use Catalinas at a store different than the one I received it at? This question could have different answers based upon the specific stores policy. First, we need to remember that Catalinas are manufacturer coupons and are reimbursed to the store, however some stores will refuse the acceptance of a Catalina with a different stores logo on it. If the coupon is a $ off amount for instance ($2 off Scott tissue) it will generally depend on the stores policy regarding this. Many times if the coupon scans they will take it, however, be sure and ask before you try to insure success. Most all stores will decline Catalinas from other stores that state “Only redeemable at.” Likewise, most all stores will decline Catalinas that say $$ off your next shopping trip if it was not received from that specific store. (Now this is not the case with all stores, so you will need to check your specific store.) The Commissary and The Exchange both accept these type of Catalinas.

Can I use Catalinas in my same shopping trip? Yes, you may use these the same day received. Simply divide your transaction if you know you will be receiving them and use them to pay for milk, meat, fresh veggies, fruit, or anything you don’t have a coupon for or want to save money on.
It is possible to save big when you learn how to use the Catalina. Use your resources, talk to the stores regarding their policies and you will be on your way to taking advantage of the great benefits of the Catalina. As with anything, the more you learn about it the better chance you will have of success!

Are you frustrated with the dilemma of not being able to find coupons for the items you use? Does it seem like you only receive coupons for things you don’t have need of? I think everyone at some time or another has faced this problem. So what is the solution you may be wondering? In this article I want to share with you some tips for obtaining the unobtainable and even give you some websites that will make your hunt less frustrating.

Here’s the scenario:

                You just ran out of your favorite product and no coupons are in sight. Well, it looks like full price is in the future or is it?

Did you know that one of the best ways to find that needed coupon is by contacting the company directly that produces your product. Go to the company’s website and contact them via email and say something like this:

More times than not you will be sent a thank you for your commitment to their product and will receive coupons along with free samples in the mail. This usually pays off in a big way.

A second way to obtain those needed coupons is by visiting the company’s Facebok page. When you like them on Facebook you will generally receive free coupons. Yet another way to receive coupons for your favorite restaurants and stores is by signing up online or in store for their text message deals. I receive these from my favorite places (Mexican Restaurants, Target, Sonic). Many stores and restaurants now offer this capability.

Now for those coupon search sites as another source of locating a potential coupon. What are the best? Personally, my favorites for food related items are coupontom.com and a fullcup.com. For clothing and miscellaneous retail items you might choose from coouponsnapshot.com, retailmenot.com, couponsurfer.com, and couponpages.com. For restaurants a favorite is restaurant.com. Now what makes all of these so special? Let’s see!
Each of these serve as a navigatable website allowing you to search by store specific, item specific (in some cases as with the food related sites), and others just give you all the great deals.

Let’s look at one for example:

Couponsnapshot.com—At sites like couponsnapshot.com you can search you favorite store for an offered code and use it at the online store to receive great discounts. Like most other retail/clothing sites mentioned the coupons are free.

It always pays to do your homework to find that great deal on the item you need, especially if it is a reoccurring purchase for you. Your potential deals are only limited by your willingness to discover. Don’t be afraid of checking out new sites and contacting companies. You may find just what you are looking for!
If you neglect to uncover your options you will neglect to uncover your potential. Keep seeking and keep saving!

Sunday rolls around again and it’s time to pick up those Sunday papers and check out all the new deals. Does the thought of matching up all those sales with coupons put your head in a whirlwind? Maybe you just finished up last week’s deals and are still overwhelmed from the week before. This week I want to talk to you about the world of bloggers and how they benefit the busy couponer. Chances are you have heard of bloggers, but just logging on to their sites can be overwhelming. In this article I want to break down some of the benefits of the blog sites as well as help you understand how they work.
First, we need to understand what a coupon blog site does? Coupon Bloggers are your avenue to local store sales, store policies, printable coupon links, coupon tips, unadvertised deals, printable coupon links, best buys, retail roundups, free food roundup, recipes, organizational tips and coupon matchups. Probably the main reason people use blog sites is for the weekly coupon matchups. Coupon bloggers will list the weekly store sales with the coupons available that match. Most sites will allow you to print a matching coupon directly from their site if one is available. Usually available printables will be highlighted in blue and clicking on them will allow you to print them. These printable coupons are often generated by coupons.com, bricks, redplum.com, or smartsource.com. Most of these printable links will allow you to print 2 prints per like computer. Other coupon matchups are identified by type and date. When you see an abbreviation like “SS 1/12/10”, you can know it stands for Smart Source and tells you in came in the Sunday paper date Jan. 12, 2010. It is important to understand what these coupon lingo terms mean. (For detailed information about these terms, check out  The Coupon Companion Handbook and The Couponer’s Guide to Drug Stores and More on my website :

http://www.annhaney.com/couponproducts

Another great thing about these bloggers is the listing of unadvertised deals. Bloggers have researched the stores unadvertised deals giving you time to prepare your plan before heading to the store. (I don’t know about you, but I don’t like spending more than 30 minutes in the grocery store, yet I still want to get the best bargains.) Preparation will save you frustration in the grocery store.

Although these sites are packed with information, it is important to find a blog site that is easy for you to navigate. One may be more clearly laid out than another. This is very important because a confusing site will cost you unnecessary time and turn your couponing into a frustration as opposed to a blessing. Not all sites will have the same content. For instance, you may like the “Retail Roundup” on one site and the “Coupon Match Up” on another. In this case use both sites to make your planning proficient and fruitful.
Finding a coupon blog site in your area can be found by typing in “coupon blog site (and zip code)” in a search engine. Bloggers can be found nationwide. Here is a list of a few good ones in the southern states:

Time2saveworkshops.com
Southernsavers.com
Moneysavingmom.com
Faithfulprovisions.com
 
Upcoming Events—

Murfreesboro, TN

(YOU DON’T WANT TO MISS THIS EVENT—THIS IS MY NEW 5 PART TEACHING SERIES. YOUR IN FOR A TREAT AS WE DISCOVER WHAT GOD HAS TO TELL US CONCERNING OUR FINANCES & SHOPPING—HOPE TO SEE YOU THERE!)

Changing Your Life Through Couponing(An in depth 5 part teaching series taught by Ann from a Biblical Life Application Perspective)
When: Wed. Feb 1, and every Wed. night through Feb. 29
Time:  6:30-7:45 PM
Where:Family Worship Center, 1503 Sulpher Springs Rd., Murfreesboro, TN 37129
Cost: $40 per person ( spouse is free). Cost includes a $15 Study Guide/Workbook (68 Page detailed with review sections and answer key) and all 5 sessions. Fee must be paid at the door on Feb. 1 for all 5 sessions.
 See what others are saying about this workshop in this promo video or on Ann's website at
annhaney.com —

 http://www.youtube.com/watch?v=SVs4iiE6Zzg

Shelbyville, TN
FREE Level 1 Coupon Workshop
Sat. Feb. 25
9-11 AM
Midland Heights Baptist Church
2706 Midland Rd
Shelbyville, TN 37160
If you are  interested in scheduling a presentation at your church contact me at ann@livinginabundancecouponing.com

As I began to study God’s word on this subject I very quickly realized the full answer to training our children to choose Christ-like friendships could not be given in one article. The Bible has much to say about friendships, much more than I ever realized. I feel we need to know as much as we can about what the I have Bible has to say on this subject and therefore I have decided to break this down into 3 parts.  I pray you will stay with me in this series and that God will direct your paths as you apply the truths in His word to the lives of your children.

First, I believe we must understand what the definition of a “friend” is. By definition the word “friend” means, “a person attracted to another by feelings of affection, a person who gives assistance or is a supporter, a person who is on good terms with another person.” In this definition we understand that a friend is a supporter of someone they are attracted to by feelings or better stated someone they have things in common with. I think it is very important that we understand that there can be both positive and negative friendships. There are friendships that lead to Christ and those that lead away from Him. To clearly identify the difference between these we need to look into friendships mentioned in the Bible and ask ourselves several questions. I believe the first and only place to begin is with Christ. In Proverbs :10 it says,


What a statement this is! If we are going to gain wisdom in anything, we must first have a worshipful and reverent fear of the Lord and examine the life of Christ, to gain a complete understanding regarding everything. We must lay aside our reasoning, the worldly influences and our traditions and be open to the teaching of the Holy Spirit. God’s ways are not our ways and we must be willing to apply God’s word even if we cannot reason it out! The Bible tells us He is the Alpha and Omega, the beginning and the end. It is important that He is the beginning of our child’s friendships and the end of our child’s friendships. What I mean by this is, “what goes into and comes out of their friendships should point to Christ. Others should clearly see this when they are around them.
The first question I want to explore with you is, “How did Jesus choose His friends?” We start in Matt. 4:18-23. I have chosen to list this whole scripture reference due to its great importance.

The first thing we notice is the word “left.” They had to “leave all,” which refers to “putting Him first.” Their first requirement to being a friend of Jesus’ was “putting Him first.” He had to be their guide, they had to follow Him and His vision and lose their own. In Luke 14:33 it tells us,

To find positive friendships one must be sure that what feels good to the flesh is truly what is good. A good question to ask right here would be, “What made them choose to be Christ’s disciples?” They must have seen something in Christ that drew them to Him. This takes us to the second important thing in this scripture. Where did they “follow” him? They followed Him in teaching, preaching, and healing. Good fruit was produced when they followed Christ. When our children choose a friend, they need to determine what kind of fruit they see in the life of their potential friend, whether it be good or bad. Matthew 3:8 states, I am going to jump ahead a little here and point out what should be done with an established friendship that is not producing good fruit. In Matthew 3:10 you will see,
I cannot stress this enough—cut off friendships that do not produce good fruit! If you don’t, it will ruin your child’s fruit. Jesus witnessed to the sinner; He didn’t have them in His inner circle of “good” friends. Matthew 7:18 says,

One cannot be a Christian and live a sinful life nor can a sinful person live a Christian life. Matthew 7:20 tells us,

Moses addresses the congregation in Numbers 16:26 and says, I will be talking more about this in the next two parts. You might be asking yourself, “how do we minister to these people if we don’t become their friends?” The people Jesus had close fellowship with followed Him and His vision. When they no longer followed Him they were cut off from His fellowship (remember Judas.) Judas’ heart changed and he became a negative friendship (one that was not a supporter of or any longer affectionately attracted to Jesus.) They no longer had anything in common.

We know the Bible tells us they were His disciples (which means “followers”), but how do we know they we His friends? Take a look at John 15:14,

Remember the disciples left what they had to be taught by Jesus to do what He did. When they responded to the invitation of Jesus to “follow Him”, they had done what He invited them to do, making them His friends. If you remember Abraham was also called, “a friend of God.” He also left his current life and followed God doing what God commanded him, making him “a friend of God.” (Isaiah 41:8) Jesus indeed ministered to all, but not all were His friends. Only those that kept on doing the things which He commanded were considered friends.

In closing, it would be a good idea to sit down with your child or reexamine your own life and make a list of qualities you like in a friend. For example, if you say “kindness”; use a concordance now to find a scripture to back up this trait. A good one might be Ephesians 4:32 which states, “Be ye kind one to another.” By doing this we can confirm commands of Jesus that should be within the qualities of a friend.

Blessings to you as you examine the friendships in your life and those of your childrens.

The Register Rules

Have you found yourself frustrated with the process of checkout when you’re pretty sure you have correctly worked the deal, but the register (or cashier) disagrees? Yes, this can be a frustrating situation, especially when you have worked the same deal in the past with no problems. So what’s a couponer to do? Is it worth the effort to plan for the ultimate shopping trip only to leave with half the deals?

I am going to give you a few tips that will hopefully ease your stress and encourage you to continue to work the deals.

First, we are going to take a look at the grocery/retail stores. All stores have a corporate coupon policy they use as a guideline. In most cases the CSM (Customer Service Manager) will know more about the coupon policy than the head store manager. If you have a question you will be time ahead to ask them first. Many of these stores have the coupon policy posted at each checkout lane. Brush up on these next time you are in the store. Most of the time the cashier has not been trained in the coupon policy and often will carefully scrutinize the coupon before taking it. Why do they do this? Well, the answer is simple-with the increase in coupon fraud and extreme couponers (especially since the arrival of a show we won’t mention the name of) stores are on the lookout for those who try and take advantage of the system. Unfortunately, the cashiers are highly reprimanded for coupons they accept that do not fall in line with the stores specific policy. In some rare cases the amount of the coupons accepted that were not within the store guidelines are deducted from the cashiers pay at the end of the day. Would this cause you to take a second glance before accepting the coupon? It would me. Let’s remember, no matter what occasional challenge we may encounter it is better to leave without a deal than deal out the anger on your way out. Keep in mind these are rare occurrences.

“For you have need of steadfast patience and endurance, so that you may perform and fully accomplish the will of God, and thus receive and carry away [and enjoy to the full] what is promised.”

Hebrews 10: 36

Next, let’s take a look to dealing with the drug stores and the often complicated process of “getting the deal done.” Here are some tips to help ease the anxiety when dealing with Walgreen’s:

1.     Take your time laying out individual transactions placing item, coupon, and payment in individual stacks.

2.     Grab a few extra fillers (carmels) to hang onto in case of the unexpected beep. Remember your coupons cannot exceed your items. If you successfully lower your purchase drastically using coupons, chances are your total may not be high enough to cover the tax on what the total purchase should have cost. Using Register Rewards on a purchase will not reduce the tax. Tax will usually be expected on what the purchase should have cost you. When this happens a filler or two will be needed to stop the beep.

3.      The Register did not print out the reward and it’s a done deal. Why does this happen?

Occasionally, this can be a fluke event in the system, however, one reason this may happen is due to the fact that you might be trying to use a Register Reward to pay for an item that is manufactured by the same company that generated the Register Reward you are paying with. In this case another will not print out. The same situation will occur on a like item. In other words do not use a Register Reward to pay for an item like the one you received the reward for purchasing OR on an item that is from the same manufacturer that is supposed to generate more Register Rewards. Proctor & Gamble products are some you will want to watch closely for this.

In summary, remember couponing is a system of rules and regulations that have the potential to empower the couponer with phenomenal savings, even if an occasional challenge is encountered. Be a committed couponer who complies with courtesy and reap a bountiful harvest of savings.

Upcoming Events—

Murfreesboro, TN

(YOU DON’T WANT TO MISS THIS EVENT—THIS IS MY NEW 5 PART TEACHING SERIES. YOUR IN FOR A TREAT AS WE DISCOVER WHAT GOD HAS TO TELL US CONCERNING OUR FINANCES & SHOPPING—HOPE TO SEE YOU THERE!)

Changing Your Life Through Couponing(An in depth 5 part teaching series taught by Ann from a Biblical Life Application Perspective)

When: Wed. Feb 1, and every Wed. night through Feb. 29

Time:  6:30-7:45 PM

Where:Family Worship Center, 1503 Sulpher Springs Rd., Murfreesboro, TN 37129

Cost: $40 per person ( spouse is free). Cost includes a $15 Study Guide/Workbook (68 Page detailed with review sections and answer key) and all 5 sessions. Fee must be paid at the door on Feb. 1 for all 5 sessions.

Pre-register at: ann@livinginabundancecouponing.com

 See what others are saying about this workshop in this promo video or on Ann's website at

annhaney.com —

 http://www.youtube.com/watch?v=SVs4iiE6Zzg

 Shelbyville, TN

FREE Level 1 Coupon Workshop

Tues. Jan 31

6-8 PM

Berean Way Christian Fellowship—209 Thompson St.

Manchester, TN

FREE Level 1 Coupon Workshop followed by $10 Level 2 Coupon Workshop (on drug stores)

Sat. Feb. 4

10-12 Lunch 1-3 PM

Shoney’s Restaurant—95 Skinner Flat Rd.

RSVP 800-391-6944

 

Shelbyville, TN

FREE Level 1 Coupon Workshop

Sat. Feb. 25

9-11 AM

Midland Heights Baptist Church

2706 Midland Rd

Shelbyville, TN 37160

If you are  interested in scheduling a presentation at your church contact me at ann@livinginabundancecouponing.com

Understanding The Fine Print

Have you noticed all the changes appearing in the fine print on coupons? Chances are you have seen a lot more wording on the bottom of your coupons as well as in-store restrictions regarding the amount of items allowed per customer. Have you ever asked yourself this question, “If the manufacturer puts the coupon out there, why do they care how many of the item you purchase?” In this article I am going to clarify why they in fact do care and how this affects you with the changes in the fine print.

First of all, we need to understand that manufacturers and retailers are in business to make money not develop a home business for the consumer. Their goal is not for people to make money off their stockpile, nor to reach only the extreme couponers with their products.  Manufacturers set in place, with advice from their marketing analyst, a marketing budget which allow them to promote their product at a balanced pace. In other words, they know there is a projected amount of coupons redeemed in regards to the coupons they put in circulation. They do not expect the payout to exceed a certain percentage. This percentage is usually below 6%. In 2010 this percentage was approximately 3%. Something else we need to remember is manufacturers want to develop a pattern of demand on their product based upon a large group of people and not on a limited group. The limited group we are talking about here is the “Extreme Couponer.” This group will monopolize the supply and give the manufacturer an unrealistic report of their product demand.

Let’s take a look at some of the wording we are seeing on coupons:

1.      “No cash back if coupon exceeds retail value”

(At some stores they will allow you to still use the coupon, although the item will not receive an overage, it will be free. At others they will not take the coupon if the value of it exceeds the item.)

2.      “Good only on product indicated”

(This will generally refer to the exact item pictured unless the wording states any variety)

3.      “Not to be used in conjunction with another promotional offer or coupon”

(In simple terms—no stacking with a store coupon. This can also mean not to be used in conjunction with another promotion by the manufacturer (like a mail in rebate) or even a store promotion if the store decides this to be the case)

4.      “One coupon per person per package of product indicated”

(This means the customer will be entitled to use only 1 of this type coupon for the product indicate. Multiple coupons would not be allowed)

5.      “No more than 2 coupons for same product in same transaction”

(Here we can see the manufacturer limiting us to 2 of the same type coupons for the same product. Depending on the store policy, this coupon would allow you to use 2 more in a separate transaction.)

6.      “Void if purchased, traded or sold”

(Most don’t like this fine print, however it does appear on most coupons. Coupons are not to be bought, sold, or traded. Why? Remember above, this often causes the manufacturers marketing budget to be exceeded. Now I would like to mention here these guidelines may seem quite restrictive and even opposite to the couponing patterns we have followed in the past. But, we must remember the manufacturer makes the rules and if we are going to benefit as well, we must follow them.)

7.      “Limit 1 deal per coupon per customer”

(Pretty straight forward here—You will only be allowed to use 1 of these coupons to receive the discount)

8.      “Limit 1 coupon per customer for this offer”

(Like above, this will limit the customer to only 1 coupon for this product)

Last year the CIC (Coupon Information Corporation) began sending letters to eBay sellers request the stop of selling coupons. Many did cooperate with this and cease selling coupons. According to the CIC eBay as well as organizations that offer clipping services breeches the coupon terminology stating “Void if sold or purchased.” As I stated above, this may be a pattern of use we have not given much thought to and have even fallen victim ourselves, however it is important as we began to understand what the manufacturer and retailer expect of us to abide by their regulations. Shortly after the “Extreme Couponing” show hit the air many manufacturers began applying wording to their coupons and placing limits on the couponer. This needs to be a wake- up call to the couponer. The manufacturer will adjust the guidelines if the coupons are being misused. As a matter of fact one retailer was denied a large (in the tens of thousands of dollars) reimbursement by the manufacturer due to what the manufacturer believed to be an excessive use of coupons by the consumer. Manufacturers are looking into a reasonable amount of coupons to be used for like items when it comes to building a stockpile. Remember they want us to use their products consistently, so we need to only buy what we will use in the 6-8 week cycle not what will last us a year. Do all of these changes mean we will not be able to stockpile or save drastically enough to lower our household expenditures? Well, I guess this depends on us. If we start using coupons wisely and teach others to do so as well, we can expect manufacturers to continue offering great discounts. If we don’t we can expect to see changes affecting us all in major way. The saying is true, “One bad apple can ruin a bushel.” The CIC will be holding their annual conference in the early spring.  Let’s all commit today to deal wisely and show the CIC we desire to abide by their regulations. After all, what if it was our business, wouldn’t we expect the same?

 

“Therefore keep the words of this Covenant and do them,

 that you may deal wisely and prosper in all you do.”

Deuteronomy 29:9

 

 

Upcoming Events—

Murfreesboro, TN

(YOU DON’T WANT TO MISS THIS EVENT—THIS IS MY NEW 5 PART TEACHING SERIES. YOUR IN FOR A TREAT AS WE DISCOVER WHAT GOD HAS TO TELL US CONCERNING OUR FINANCES & SHOPPING—HOPE TO SEE YOU THERE!)

Changing Your Life Through Couponing(An in depth 5 part teaching series taught by Ann from a Biblical Life Application Perspective)

When: Wed. Feb 1, and every Wed. night through Feb. 29

Time:  6:30-7:45 PM

Where:Family Worship Center, 1503 Sulpher Springs Rd., Murfreesboro, TN 37129

Cost: $40 per person ( spouse is free). Cost includes a $15 Study Guide/Workbook (68 Page detailed with review sections and answer key) and all 5 sessions. Fee must be paid at the door on Feb. 1 for all 5 sessions.

Pre-register at: ann@livinginabundancecouponing.com

 See what others are saying about this workshop in this promo video or on Ann's website at

annhaney.com —

 http://www.youtube.com/watch?v=SVs4iiE6Zzg

 Shelbyville, TN

FREE Level 1 Coupon Workshop

Tues. Jan 31

6-8 PM

Berean Way Christian Fellowship—209 Thompson St.

Manchester, TN

FREE Level 1 Coupon Workshop followed by $10 Level 2 Coupon Workshop (on drug stores)

Sat. Feb. 4

10-12 Lunch 1-3 PM

Shoney’s Restaurant—95 Skinner Flat Rd.

RSVP 800-391-6944

f you are interested in scheduling a presentation at your church contact me at ann@livinginabundancecouponing.com

STRATEGIC STOCKPILING

Have you ever noticed that many of the same items go on sale at the same time each week in the store ads? However, careful observation will often show you a small variance in price at different stores even though the item is drastically reduced. The reason we generally see a particular item going on sale is due to a promotion by the manufacturer to move a specific product. This can occur due to items being close to “out of date status”, overstocks, or decrease in customer purchase activity.  The manufacturer usually offers a bulk buy deal for retailers in exchange for promotional display on end caps or in a center aisle location. It is a proven fact that these type of promotions can drastically increase sales. A promotional allowance is usually given the retailer for creating and maintaining the display and/or advertising the sale. This brings to question, why do store shelves run out of these items they know are going to be going on sale? Usually stores miss this ordering preparedness due to the uncertainty of the coupons circulating.

Now that we understand why we see some of the same items on sale at different stores, this is where your strategy begins. Especially in regard to drug stores we see differences range using their reward programs. What do I mean exactly by this? Let’s look at an example:

Walgreens---Venus Razor Sale $5.99             RR after purchase $2             Coupon Amount $2

            OOP: $3.99                  After RR: $1.99

CVS—Venus Razor Sale $3.99                                    Coupon Amount $2

            OOP: $1.99

Notice they both have a final value of $1.99, however at this point you want to determine if there is something you need to add to your stockpile in which to use the RR of $2 from Walgreen’s. If not, CVS will be your better deal. This is a pretty common occurrence at the drug stores, so it pays to shop wisely here.

How do you determine the amount of items to keep in your stockpile without over buying? Set yourself limits of items to keep on hand. For example, if your limit is ten bottles of body wash and your stock is down to eight, you will only want to buy two (even if you have more coupons).

Now for determining how much to spend on items that are not needs but rather stockpile additives. Set yourself a specific weekly amount to spend on these additives. Usually $10-$20 is quite adequate due to the fact you are buying with coupons on sale items. Choosing the items to purchase is relatively easy. Look at the weekly ads to determine the highly discounted items that you have a coupon for. Next, determine your stockpile needs of these items and buy enough to build your stockpile quantity back up. You might want to choose a two or three items to focus on. A designated stockpile fund is mandatory to keep yourself from running out. Now, you may be thinking, “I will never run out of toothpaste!”. Trust me if you don’t do this you will regret it.

These same principles will apply at the grocery store as well. Watch for duplicate deals at different stores. This will help you determine which store will offer you the majority of the bargains and help you spend wisely.

"In the house of the wise are stores of choice food and oil, but a foolish man devours all he has."

 Proverbs 21:20

 

 

Eleanor Roosevelt once said, “It takes as much energy to wish as it does to plan.” Don’t look at your stockpile and wish it’s sufficiency, this will only stress you out and lead to disappointment when you run out. Plan your adequate supply and shop a little at a time.

 

 

I wish you a prosperous week as you take a closer look at your stockpile and plan your next couponing adventure.

 

Upcoming Events—

Murfreesboro, TN

(YOU DON’T WANT TO MISS THIS EVENT—THIS IS MY NEW 5 PART TEACHING SERIES. YOUR IN FOR A TREAT AS WE DISCOVER WHAT GOD HAS TO TELL US CONCERNING OUR FINANCES & SHOPPING—HOPE TO SEE YOU THERE!)

Changing Your Life Through Couponing(An in depth 5 part teaching series taught by Ann from a Biblical Life Application Perspective)

When: Wed. Feb 1, and every Wed. night through Feb. 29

Time:  6:30-7:45 PM

Where:Family Worship Center, 1503 Sulpher Springs Rd., Murfreesboro, TN 37129

Cost: $40 per person ( spouse is free). Cost includes a $15 Study Guide/Workbook (68 Page detailed with review sections and answer key) and all 5 sessions. Fee must be paid at the door on Feb. 1 for all 5 sessions.

Pre-register at: ann@livinginabundancecouponing.com

 See what others are saying about this workshop in this promo video or on Ann's website at

annhaney.com —

 http://www.youtube.com/watch?v=SVs4iiE6Zzg

Oak Grove, KY

FREE Level 1 Coupon Workshop

Tues. Jan 17

6-8 PM

Ft. Campbell Armed Services YMCA—3068 Reed Avenue

RSVP 270-798-7422

Shelbyville, TN

FREE Level 1 Coupon Workshop

Tues. Jan 31

6-8 PM

Berean Way Christian Fellowship—209 Thompson St.

Manchester, TN

FREE Level 1 Coupon Workshop followed by $10 Level 2 Coupon Workshop (on drug stores)

Sat. Feb. 4

10-12 Lunch 1-3 PM

Shoney’s Restaurant—95 Skinner Flat Rd.

RSVP 800-391-6944

f you are interested in scheduling a presentation at your church contact me at ann@livinginabundancecouponing.com

 

 

 

 

                                                DEALING WITH DIFFICULT PEOPLE

 

If this title caught your attention chances are you are thinking of someone who challenges your life. Let’s face it—none of us are perfect, but we all know someone that takes all our patience and then some. So many times we don’t even know why this person wants to challenge our life. I want to take a look with you into the life of Joseph and see how he dealt with a challenging situation and eventually received a huge promotion. Joseph’s life was a portrait of challenge to victory repetitively, that eventually led to a prominent position. Whether in the workforce, home, church or anywhere else; if you have a hard to deal with person in your life, you need to read this article.  Learn from Joseph and get ready to be promoted!

Here’s a summary of events leading to Joseph’s challenge with one particular person--  He had been sold to the Ishmaelites by his brothers and later ended up in Egypt where Potiphar, an Egyptian official of Pharaoh’s, bought him. The Lord had favor on Joseph and he prospered. Potiphar, seeing this put Joseph in charge of his whole household and everything he owned and it prospered greatly. Now Potiphar’s wife began to take notice of Joseph and tried to seduce him into following her wishes. It tells us she pestered him day after day and Joseph continually ignored her. So far so good; Joseph has managed to retain his character, but let’s see what happens next. (Read Genesis 37-45 for further detail)

Genesis 39:11-14 –“Then it happened about this time that Joseph went into the house to attend to his duties, and none of the men of the house were indoors. She caught him by his garment, saying lie with me. But he left his garment in her hand and fled out of the house. When she saw that he had left his garment in her hand and fled, she called the men of her household and said to them, your master (Potiphar) has brought in a Hebrew to us to mock and insult us. He came in where I was to lie with me, and I screamed at the top of my voice.”

Potiphar’s wife could not handle her lack of control over Joseph and sought revenge through attacking his character through lies.

Have you met a Potiphar's  wife?

Even though we may not have the exact challenge Joseph had, we can all relate to this story. We all have our Potiphar's wives, those who give us great and continual challenge. They are often in the workforce. We can also find them in churches, families, and friend groups. Associations with them can often resemble that of a prison sentence and feel like incarceration. They can inflict fear when they are silent, causing us to wonder what they will do next, and anger when they are deceitful. They keep everyone on pins and needles and everything in chaos. They will try to get us to do things that would damage our character and creditability.

Who is the Potiphars wife?

We see a person who's desire for personal gain is rooted in their lack of personal value and self acceptance , which causes them to seek destruction on the lives of others to keep their position and remain in control. Potiphar had brought a slave into the house and put him in charge of everything. We can easily see jealousy taking root in her life; jealousy of the favor God had on Joseph’s life and the praise he was receiving from her husband. No doubt a deeper rejection even took hold when Joseph denied her. Do we hate her, no we pity her?  You may be thinking, “Absolutely not! I am tired of this person and the continual day in day out struggles they give me.” Truth is we should pity them! Why? Because  they are the sick in need of a Saviour to give t hem value. Do we bend our beliefs beneath their pressure to conform? No, we stand firm when our morals are being attacked, because the truth and favor of God remains with us. Our lives are no doubt affected by the Potiphar's wife, but they are not controlled by them. For God is a righteous judge and His blessing is on the steadfast.

Human nature wants to defend ourselves and prove our innocence, but we must learn to let our innocence show forth in our continued commitment to truth and righteous living.

Why must the Potiphar's wife continue trying to chip away at our character intending to bring us down?

Jealousy maybe, insecurity possibly, but undoubtedly an unfulfillment in their own lives.

How do you deal with a Potiphar's wife?

Refuse to accept any conformity to this person’s wishes that would jeopardize your character.

Refuse to slander this person, doing so makes you like them.

Refuse to stay around this person (especially by yourself). A crowd of witnesses bring fear to a Potiphar’s wife. Their lies will generally circulate behind your back and not tell them to your face. Why? The works of the enemy cannot stand in the presence of truth for fear of being exposed. Satan knows the power of God to bring forth righteous judgement and will attempt to work from a hidden state.

Pray for this person, that they may be saved.

How then do you remain encouraged when you encounter the Potiphars wife?

Confident assurance--Know that the testing of your faith is more precious than gold. Those in the fire will come forth as gold.

“That the trial of your faith, being much more precious than of gold that perisheth, though it be tried with fire, might be found unto praise and honour and glory at the appearing of Jesus Christ.”

                                                                                    1 Peter 1:7

Commitment--Know that God delivers the righteous from the prison they often find themselves in when standing for right.

“God is to us a God of deliverances and salvation; and to God the Lord belongs escape from death [setting us free].”
Psalm 68:20

“It’s what I am sitting in jail for right now—but God’s Word isn’t in jail. That’s why I stick it out here—so everyone God calls will get in on the salvation of Christ in all its glory.”

2 Timothy 2:9

Be careful that you do not depend on others to go to bat for you. Your defender is God! Remember, if God is for us who can be against us. Many times, even those you have helped will forget you when their lives change for the better and often they will fear those who have the power over them if they speak up.  It was 2 years before the butler remembered the impact Joseph had on his life when he interpreted his dream. We may stand alone, but there are 10,000 unseen fighting for us. Our future is in God’s hands, not the hands of others. Trust must remain with the only one we can be totally dependent on, God!

What can you see from your prison cell?

Opportunity to advance--God grants favor in the midst of the confinement

“The head jailer gave Joseph free rein, never even checked on him, because God was with him; whatever he did God made sure it worked out for the best.”

                                                                          Genesis 39:23

Hope for tomorrow--God is at work even when we can't see Him working

“And we know that in all things God works for the good of those who love him, who have been called according to his purpose.”

Romans 8:28

Opportunity to grow--times of inability to change circumstances are times to become molded into a greater leader.

“Let us not lose heart in doing good, for in due time we will reap if we do not grow weary.”

                                                                             Galatians 6:9

Those who do not faint will reap in due season. God remains faithful to the steadfast and will promote them at the proper time to bring forth His glory and deliverance to those in need. Your situation is not all about you. It is Satan's attack to keep you discouraged in hopes of implanting a failing faith in God. When in actuality, God's plan and  your victory lie in your continued faith while in prison and a shared testimony of victory when God brings you out. God wants to use you to help others.

Look at Jesus, the suffering, the witness, yet his time had not come to be promoted. He had to endure the slander.  When it did come time to be promoted, He became ruler of all. He said not my will, but thine Lord and the result- He saved all who would accept Him.

Remember Joseph said to His brothers it is not you? But God who has brought me here to save your life.

So ask yourself, Are you where you are to make a difference in the lives of those who have come against you? Remember Potiphar's wife was also saved from the famine under Joseph’s position. All of Egypt it says.

It is often easy to help those who like us and want change, but the heart of God is to help those who defy Him and these are the ones who will come against us. "If they hate me they will also hate you,” Jesus said.

Will we ever change the Potiphar's wife?

We may never know, however we can be assured when we live right before them, they have seen the Life of Christ in action and their lives will be affected in some way. The truth will be revealed to them. It wasn't till Jesus was crucified that the eyes of the accusers were opened.

This is not an easy word to swallow. We would much rather hear—Our “Potiphar's  wife” will realize the error of their ways, they  will realize you are a good person, and they will apologize and become your friend.

Unfortunately this is not the way it usually turns out. However, you must remember your mission is to plant the seeds of truth and let God grow the harvest of righteousness. We will stand amazed some day at the lives we thought we hadn't reached to find we were many times their greatest influence to real and honest Christianity.

A life lived truthfully by example is Christianity in action--the opposite of religion!

Mere religion will be the downfall of many who know of Christ but do not walk in His shoes. Only in walking with him can one experience complete satisfaction in their lives whether in prison or in prominent positions.

I encourage you today, to accept your mission, be steadfast in your battle and be assured of your promotion. I pray for you and covet your prayers as we pray in agreement for the Potiphar's wives, that their minds be cleansed, their words be honest, their hands be productive and their hearts be changed for the glory of God!


Love your enemies, pray for those who persecute you.

“But I tell you: Love your enemies and pray for those who persecute you,”

                                                                    Matthew 5:44

In Full Swing of Savings Wow! Can you believe it? Christmas is over and we have reached another New Year. Are you ready to make the most of 2012 and discover all God has for you? I know I am! It is always exciting decorating the tree, baking the goodies, opening the presents, but when all the excitement has subsided, it is once again time to pack it all away for another year.  At my house the excitement seems to carry on from one special event to another, another and yet another. What do I mean? Three of my six children have January birthdays! I used to think this was a financial catastrophe in the making, but then I discovered the after Christmas sales. Wish they all could be January babies, just kidding! However, I realized one year that if I kept their Christmas lists and targeted the items they had asked for which we had not purchased for Christmas, these would carry over onto the birthday list at great savings. This article is dedicated to all the January gift givers. Don’t be discouraged if this doesn’t affect you directly. You have a great opportunity to take advantage of these sales to stash away for future birthdays and even next year’s Christmas. Here is a list of the latest after Christmas sales events going on in the stores: (some restrictions apply and discounts may vary depending on item) Kohl’s—60-70% off Aeropostale—up to 70% off Hollister—50% off excludes fragrances and gift cards American Eagle—Additional 30% off clearance JC Penney’s—75% off WalMart—50% off Express—Up to 70% off with Additional 20% off Old Navy—75% off clearance Cracker Barrel—50% off Target—30-50% off Bath & Body—50% off Cold Water Creek—Up to 70% off plus Additional 40% off some new styles CVS—50% off Walgreen’s—50% off Rite Aid—50% off Now is the perfect time to buy the decorations for next year’s tree trimming, prepare those unique gift baskets to have on hand for the unexpected gift giver, and even update the winter wardrobe. One other place you may be forgetting to look for after Christmas  bargains is the grocery store. The holiday cookies, cakes, candy, and any baking items related to Christmas are now on clearance. Many of these have current coupons available and many are on the packages. For example, the Pillsbury Christmas cookies are now 2/$3.00 at WalMart and there  are coupons still valid for $1/2. This makes your cookies $1 a package. I don’t know about you but my kids will eat cookies any time of the year. So why buy now? What you see in the stores will be back next year, but at full retail. Preparation will save you hundreds of dollars and allow you to save for other needs that might arise throughout the year. Obviously, we hope the washing machine will not go out, but things do come at us unexpectedly sometimes. Seize the opportunity and be prepared. Preparation does not indicate a lack of faith, but that of a wise investor. “A sensible man watches for problems ahead and PREPARES to meet them. The simpleton never looks and suffers the consequences.” Proverbs 27:12 Blessings to you as you kick off 2012 with some strategic shopping savings! Happy New Year, Ann Haney