Categories
Finance

Grocery Coupon Overage Saves Even More Money

Those of you who have been following me know that I am big on saving money when I shop. I have been shopping with and recommending printable grocery coupons for several years now.

This article will go over the details on a way you can save even more money at the grocery store by taking advantage of something known as coupon overage.

Overage is when you redeem a coupon that has a value greater than the selling price of the product. The difference between the two is the overage. For example, say you have a printable grocery coupon for $1 off on a particular product. When you make your weekly trip to the store, that item is sale priced for 90 cents. You redeem your $1 off coupon and end up not only getting the product for my favorite four letter word, free, plus you earn 10 cents in overage. This is money that can be applied to other products you buy.

And just so you understand how it works, stores receive reimbursement from the manufacturer when one of their printable grocery coupons is redeemed. The store will receive both the amount of the coupon plus an additional few pennies to cover their costs of processing. Coupons are actually a powerful and lucrative promotional method for the stores.

However, something you need to know is that not all stores will allow overage. Prior to your next shopping trip, you should check your regular store’s coupon policy to see if they permit it. The savings from overage can really add up. Coupon policy should be an important part of your decision on which grocery stores to do business with.

Something else I suggest is that you keep a printed copy of your store’s coupon policy with you when you shop. Sometimes store employees are not familiar with all policies and procedures. The print out of the store’s policy has saved me time at checkout on more than one occasion.

Learn how to use grocery coupon overage. If you plan your shopping carefully, you can accrue extra money in overage each trip. It’s like getting products for free!

Discover how to save time and money every time you shop. Read this and other articles at my blog. Visit my website for more information and a top source of .

Categories
Finance

Money Management Tips For Managing Business Finances

Your financial management skills will decide whether you survive in the present competitive corporate environment. You will need to alert all the time, because managing your finances would require a real effort on your part. Nevertheless, if you can achieve this it will be a great reference for your money management skills. Here are few tips that would enable you to handle your business and finances well.

Create a Resource base

The market can be an unforgiving place and with the increase in occurrences and severity of economic downturns, it becomes imperative to have resources which will help you plan your finances. Such resources include accounting software, financial planning tools, cash flow projection sheets, product costing tools, invoice management systems and financial training books or CD’s You have to create this good resource base so you can managing your finances judiciously. This will act as a buffer for times when the market is challenging unstable and companies who fail to create a resource base can suffer losses. Your resources based confidence in your financial management skills will ensure the resilience of your business during trying and good times.

Hire a Professional Accountant/Bookkeeper

You have to develop a professional accounting system and put a professional accountant or a bookkeeper in charge of affairs if you are not one yourself. Money management would be easier with a professional touch and will help to guide your business to greater heights. If you are completely new to business or the business startup is in an unfamiliar field, then it becomes even more pertinent to hire a financial professional. This person will assist you with accounting, financial record keeping and regulatory compliance thus saving you a lot of valuable time. If your business is still relatively small, then you can use accounting software which are easy to operate and would eventually recover their cost.

Secure your Finances

You need to protect your finances by all intents and means, as it is the lifeline of your business. With this in mind it will be crucial to secure your financial data from hackers and spammers, who can literally create havoc with your finances and your business. You do this by securing access to your financial systems or software by using multiple level authentications if possible. Also secure your checkbook, be extra careful with cash, regularly monitor your financial activities and develop emergency and backup plans. If you are involved in online transactions, then you should ensure you are always informed about the most up-to-date virus protection solutions. Furthermore always record all income and expenses regularly and keep an eye on the bank transactions so that you are aware of when and where your money is going. Finally it will be a good idea to insure your business against financial losses by taking out relevant insurance policies with a reputable insurance provider.