Don't Call Them 'Extreme Couponers': Meet the Coupon Enthusiasts

Before you go, we thought you'd like these...
Before you go close icon
Dawn woodruffThey're thrifty, yes, but not extreme.

They don't dumpster-dive for newspaper circulars, nor clock 40 hours a week clipping stacks of coupons and hunting them down online. Nor do they cash in counterfeit coupons trying to score 77 bottles of ketchup for $6.93.

They are frugal shoppers, but they bristle at comparisons to fervent bargain hunters like those featured on the TLC show Extreme Couponing -- a phrase that, to them, describes hucksters out to game the system.

Those extreme couponers are still essentially a fringe group, but the Great Recession has given rise to a savvy new breed of mainstream shoppers who've finely honed the art of couponing.

For many, necessity was indeed the mother of invention. But some have simply come to love the high -- and revel in the sport -- of getting a good deal.

Here are a few of their stories.

Coupons Clipping Her Way Out of Financial Trouble

Dana Mammoser of Genoa, Ill., started couponing in 2010.

The 48-year-old mother of four sons used to run a thriving home day care, but then the recession hit. "When everybody lost their job, what do you think happened to my business?' she asked rhetorically. "Nobody needed day care."

Mammoser and her husband, a park maintenance director, had to find new ways to save. Three of the Mammoser's boys still live at home, and they're aged 16 to 21, "so they can really eat," she says.

Facebook opened her eyes to sites like, and The sites aggregate myriad coupon offers on an almost minute-to-minute basis.

Over time, she developed a strategy: She spends an hour on Sundays cutting out coupons from The Chicago Tribune inserts, and devotes a good three hours on Wednesdays to scanning the ads in the local newspaper for sales at regional grocers like Jewel-Osco (SVU) and Hy-Vee, matching coupons with sale items to boost the discounts.

Mammoser also belongs to a local couponing swap group on Facebook. On the site, she posts requests to her pet-free savings buddies for dog food coupons for her pooches, Tank and Mac. "Once, I received 15 $1 Pedigree coupons. It was like getting a treasure in the mail," she says.

Finally, Mammoser saves big by buying in bulk. As stores limit the number of coupons they'll apply to a single transaction, she'll go through the checkout counter several times during one shopping trip. "I'll do what I have to do to get the savings," she says.

Couponing has paid off big for the Mammosers. The family now saves about $500 a month on groceries. "It's changed my life," she says. What's more, the family can now afford name-brand products like Doritos and Oreos instead of the store brands. "I used to never buy the good stuff," she says.

Couponing has also brought Mammoser an unexpected source of fulfillment. She discovered Coups for Troops, and now collects expired coupons for families in financial need at military bases in Japan. Coupons can be used at military commissaries up to six months past their expiration date.

In February alone, she collected $40,000 worth of coupons and shipped off a box that weighed 20 pounds. "It made me feel so warm and fuzzy inside," she says.

Couponing as a Way of Life

Freelance graphic designer Roy Honegger of Lake Zurich, Ill., looks on couponing's current fad wryly. "I lived this way long before it became a trendy cultural phenomenon," he says.

A father of three, Honegger's income has "been historically modest," he says. "For me, it wasn't a matter of 'I lost my job, after making a six-figure salary,'" he says. "I have to do this to make money go as far as it can."

Honegger will buy extra newspapers if the manufacturer coupons in a given Sunday's circulars are particularly juicy. He pads the savings with online coupons and promotional codes from sites like and, plus the coupons he earns from grocery and drug store loyalty programs. He also scores coupons from his mother in law.

Honegger grew up in a frugal family, and his mother always shopped for bargains. During his college years in Milwaukee, he'd regularly dumpster dive for coupons at the local recycling center.

But that was 20 years ago, he says. These days, couponing is just one expression of Honegger's longtime philosophy of never paying full retail -- the same practice that leads him to buy day-old bread at the Entenmann's outlet store. "It's a matter of discipline."

Still, the growing culture of couponing has caught up with Honegger, something that becomes most apparent when compelling coupon offers lead him to bare store shelves. With more consumers in on the game, "I've thought, 'Uh oh -- they're on to me now,'" he says.

And when it comes to eating out with friends, "I almost never got to a restaurant if I don't have a coupon or restaurant loyalty card," he says. So if friends want to go to Chili's, but Honegger has a coupon for T.G.I.Friday's, he'll try to convince them to go there instead. "That's part of the discipline," he says.

Do Honegger's thrifty ways create sticky social situations? Not really, he says. "My friends realize that, to some extent, yep, I'm a cheapskate." Yet they're also "thankful, grateful and surprised" when he saves them money, too.

He's been asked if a windfall would prompt a change in his frugal ways. Probably not, Honegger says. "I'm trying to be a conscious consumer and not just buy for the sake of buying. Why be careless with your money?"

Dr. WernerThe Thrill of the Bargain

Dr. Keith Werner, a chiropractor from Oradell, N.J., hasn't paid for mustard in 10 years.

French's mustard regularly goes on sale for 99 cents. Dr. Werner always has a 50-cent coupon for the yellow mustard, and knows his local supermarket doubles coupons under $1. So Dr. Werner typically cuts $1 off the price of a 99-cent bottle. Hence, "I'm paying nothing, zero," he says.

Dr. Werner has run a healthy practice for 30 years and doesn't have to coupon to make ends meet, but like golf, it's one of his passions.

"It's like a hobby," he says. "I like the challenge." Still, says the father of three daughters, while "I don't do it for financial reasons, in today's economy, a little bit always helps."

Every Sunday morning, starting at about 8 a.m., Dr. Werner spends nearly three hours sowing the seeds of his couponing successes. He takes his time. Couponing can't be rushed, he says.

His formula includes clipping coupons from the Bergen Record and the New York Post, which carry a lot of the same coupons, to wring deals out of bulk buying.

Sponsored Links
He also takes full advantage of stores' offers to double -- and sometimes triple -- the value of the coupon by picking product sizes that optimize the savings. So if he has four 75-cent coupons for Colgate toothpaste, for example, Dr. Werner will snag the size that's priced $1.59. This way he ends up paying a mere 9 cents for each tube with the double-coupon redemption.

At the checkout counter, he also earns coupons for buying multiples of an item. And he sweetens his pot with coupons from Entertainment, the discount book, which saves him $40 a year at supermarkets like A&P and Pathmark.

The cumulative result: He saves $40 to $65 a week on groceries. On one recent supermarket trip, Dr. Werner scored his highest couponing toll ever. "My savings was $100 in one visit."

The ritual has also made him somewhat of a shopping expert. For one thing, he has learned, the buying-in-bulk savings touted by the warehouse clubs aren't such great deals after all. "My wife is a big Costco fan. That's crazy. With my coupons, I get [groceries] cheaper," he says.

The School of Couponing

Dawn WoodruffDawn Woodruff, a customer service specialist from Westminster, Colo., and mother of a 2½-year-old son, started couponing about three months ago.

"One day my husband and I were cleaning the house and we had the television on for background noise. Something on the TV caught my attention," she says. "There was a lady named Kathy Spencer who was talking about how she created a method that could help people save money on groceries, clothing, etc, by couponing. The book she was trying to sell was called How To Shop for Free."

The timing was fortuitous. Woodruff and her husband, an IT administrator for an environmental lab, "were looking for ways to cut back our expenses so we could put more money into savings and pay down some of our debt," she says.

"I decided to buy her book and found some good tips that helped me create my method of couponing."

Using as a guide, Woodruff now stockpiles newspaper and online coupons. "My goal is to never buy commonly used items at regular price ever again," she says.

The site tracks grocery sales at big box stores like Target (TGT), Walmart (WMT) and the big supermarket chains, directing shoppers to those coupons that can be combined with a sale.

"You can click on the 'Grocery Deals by State' link on the top menu, select the state you're in, and click on the stores you want to review for deals currently going on," she says. "I love this website because it's free, you can create a printed or emailed shopping list, and the list will tell you which coupons to clip."

Woodruff now regularly shaves 40% off her grocery bill. In addition to the savings benefit, "I enjoy it because it's a game to me," she says. "I get a high when I score on great deals for super cheap."

Tricks of the Trade

Like Woodruff, Shauna Lewis of Rochelle, Ill., was a couponing newbie but ended up becoming a student of the craft -- something she wouldn't have expected. "I was one of those people who said, 'I don't have time for that. I'm not going to drive all over the place to find the best deals,'" says the day care provider.

But she was struck by how much her coupon-savvy friend was saving on groceries while in the Woodruff household, "money was tight." Lewis and her husband, a teacher, are raising an 18-month-old and a 3-year-old.

So she checked out a Chicago seminar by couponing guru Jill Cataldo. "I got hooked," she says.

Now Lewis, schooled in the tricks of the trade -- from maximizing double coupons and store-rewards coupons to mining sites like Cataldo's and -- saves between $40 to $50 on groceries a week.

Couponing has also freed up "fun money" for family trips to the museum and the movies, Lewis says.

"Last summer, we took the kids on vacation: It was the first vacation where we didn't rack up credit card debt," she says.

13 Ways to Get Free Money
See Gallery
Don't Call Them 'Extreme Couponers': Meet the Coupon Enthusiasts

Famed economist Milton Friedman once said "There's no such thing as a free lunch."  Personal finance experts Ken and Daria Dolan of love Milt, but are going to disagree with him on this one. To take advantage of any of the tips outlined here, the only price you'll have to pay is some legwork.

According to the National Association of Unclaimed Property Administrators (NAUPA), one out of eight people in the U.S. have unclaimed assets ... with average claims of $1,000! If you have a 1 in 8 chance of getting some free bucks, isn't that worth exploring? Anything from a forgotten bank savings account you had as a kid to a utility bill deposit from a long-ago rental may still be waiting for you to an inheritance from a long lost relative. Most unclaimed assets are turned over to state governments until they're claimed or until a certain number of years pass ... so get a move on! Visit to start your state search, or write to your state treasurer directly.

If your child or grandchild is about to enter college, be sure not to miss free money in the form of scholarships. That's free money you don't want to miss! College scholarships can be as little as $500 or as high as tens of thousands.  It's free money, so apply for every scholarship you can find! Even small scholarships add up, so be sure to contact local organizations such as the Rotary Club and women's civic organizations. Free online services such as offer a ton of sources for finding scholarships for which your child may qualify.  Also, be sure to check with your child's high school (as well as his top college picks) for even more scholarship opportunities.

Your boss may not have given you a raise this year, but he still might give you some free money.  If your employer offers 401(k) matching contributions, you're getting just that!  So, if you are lucky enough to still have 401(k) matching (many employers have cut this benefit during this recession) be sure you are enrolled, and be sure you contribute the maximum amount they will match.  Otherwise, you're missing out on free money every year--money that will grow exponentially over the years and that you can enjoy once you retire.

There's hardly a store you can go into these days that doesn't ask you to join its reward program. Sometimes they come in the form of "tickets" that the merchant stamps or punches each time you make a purchase. Once you've gotten so many punches, you earn a free something. Others let you earn points for every dollar you spend, then let you redeem the points for free stuff. Rewards clubs are offered on everything from movie theaters to restaurants to retail stores. Sign up and earn some freebies every time you spend.

Credit cards are worse than banks these days when it comes to "nickel and diming" you to death.  So, let's turn the tables on them for a change and talk about how you can get some free money from your credit card company. While some rebate programs are getting stingier as credit standards tighten, there are still some very attractive cash-back (free money!) cards worth checking out. Examples include American Express' Blue Cash program, which can earn you up to 5% back on everyday purchases such as groceries and gasoline and Discover card, which pays you cash back on every purchase. 

Another way to get free money from your credit card company and other places with which you do business is to sign up for the Thank You Network (  You earn points for every dollar you spend with participating credit cards and retailers, such as Citibank, Expedia and more. You then use those points to buy things on the Thank You Network. You can "buy" everything from an iPod to office equipment to a $100 gift card to your favorite retailer (like Barnes & Noble, Gap and Home Depot to name a few). Free money! What's not to like?

There's been a lot of talk about government grants during these days. Much of it is rubbish or flat out scams, but there are opportunities to lock up some free grant money if you know where to look. These are NOT federal assistance nor are they loans. (You don't have to pay them back.) A grant is simply an award given to an individual or organization that will have a public benefit. For example, business grants can help support small businesses, which in turn can help the economy as a whole.

In 2008, more than $100 million in grant money went to small businesses. You may qualify for a business grant simply if you want to locate your business in a small town.  Your may qualify if you want to start a business in an area that needs an economic push.  You may qualify if your business employs the disabled.  The list goes on and on.Search for any "hidden" -- AND FREE -- funds that could be available to you right now!

There are billions of dollars in housing grants offered including those aimed at helping first-time homebuyers, low-income renters and those with poor credit. Home renovations are also often subsidized by housing grants. Currently, there are grants to cover replacement costs for heating and cooling repairs in your home. There are other grants available for weatherization and even energy-related home repairs.  Find out more at the U.S. Department of Housing and Urban Development web site at  While HUD does not directly offer grants to individuals, it works with local governments and other organizations to assist individuals in finding grants and other assistance.

There are grants aplenty targeted at helping women with a variety of needs. For example, there are grants for women who want to get a college degree or start a business. There are even some that will help subsidize a lower-income household. Some grants are modest (e.g. the Amber Grant's $500) while others offer awards in the tens of thousands -- the latter of which are most common for women-owned businesses.

You may be eligible to receive a grant based on your ethnic background.  These grants mainly offer scholarship-type funds, but there are also others available for those starting a new business.  The top ones include the United Negro College Fund for African Americans, the Hispanic Scholarship Fund Institute for Latin-Americans, and the Tribal Colleges Education Equity Grant for Native Americans. 

It's no secret: Green is "in!"  And, thanks to federal money reserved for renewable energy, in an effort to decrease national energy consumption, there is "green" grant money to be had for both small and large businesses ... as well as individuals. These grants are designed to help offset the costs of installing renewable energy systems. For example, if you're a homeowner and are about to convert your hot water heating system into a solar-powered one, you may very well qualify for a green grant. The exact amounts of these types of grants vary from state to state; but generally speaking, the grant can cover 50% -- and sometimes more -- of total project costs.

If you're the head of a family in need, then a personal grant may be for you. So far in 2009, more than $160 million in federal grant money has provided temporary assistance to struggling families. Funds can help with childcare expenses and even utility bills and groceries. Personal grants are generally awarded through your local, state or federal government branches, but can sometimes be found through private organizations. Be sure to check out for more information on government grants, along with benefits and assistance programs to help needy families.

If you're struggling to pay for healthcare due to a lack of sufficient health insurance, you may qualify for a health grant to cover your medical costs. A health or medical grant can help cover a myriad of expenses -- from hearing aids and eye glasses to dental work and even prosthetics. Grant amounts can run from $5,000 to $500,000. The U.S. Department of Health and Human Services (HHS) manages over 300 grant programs. These programs cover medical costs, transportation, at-home services and even Medicare and Medicaid costs for the elderly and needy.  Check out for more info.

More From the Dolans

For more about your money, visit to learn simple proven strategies that can help you save more money, get out of debt and avoid common money mistakes


Read Full Story

People are Reading