About Me

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Carmen is a wife, mother of three children, avid coupon shopper, ordained Evangelist and successful real estate broker who was called into the ministry in 2000. Since that time, Carmen has spoken God's Word to men, women and children all over the world. Passionate about her calling she believes in empowering God's people and pushing them to be the "Champions" that God has ordained them to be, she speaks the word of God over their lives so that they can embrace and live the "abundant life."

Saturday, April 10, 2010

NEW CLASSES BEING TAUGHT

Hello to all of my couponing friends!!!

Here are a few new dates where you will be able to join me as I teach my couponing classes.

April 13th and 27th WSF (Winston Salem First Assembly) go to www.wsfirst.com/422904.ithml

April 20th Davidson Community College

May 11th WSF

June 15 Surry Community College

Coming to Irdell County in June (will post date and time very soon)

Special thank you to NCSU & NC A&T for inviting me to teach in Rowan County at the NC Cooperative Extension.

Happy Shopping and I will talk to you in a few days!!!

Friday, April 9, 2010

Special E-Vic Deals FREE Oscar Meyer Bacon

If you have a E-Vic from Harris Teeter, you should have received a HOT email this morning from them, with a few of the items that you usually buy on SALE if not FREE!!!!

Oscar Meyer Turkey Bacon will be FREE with .75 coupon. Advertised for .99 use coupon and its free.

Milk is 1.99 a gallon
8pk of Gatorade is 4.77
Breyer's Yo Crunch Yogurt .47 after .75 coupon
Blue Bunny Ice Cream is buy 1 get 1, go to manufacturer's site and get a $1.00 coupon

Those are just a few HT specials.

LOWES Food has Smart Ones on sale buy one get one free plus a $3.00 coupon to use on a purchase of ten items. Final Price will be approximately 6.00

Don't forget Super Doubles at Kmart ends Saturday.

If you have the Scrubbing Bubbles Total Bath/Kitchen coupon for 1.50 you will get it for free!!

This past week my grocery bill was 93.00 after coupons I only spent roughly $27.00 including my meat, milk and yes some bread!

Happy Shopping!

Monday, April 5, 2010

Double Coupons at K-Mart & Coupon Policies

Today, I thought I would do something totally different and post up some coupon policies from different stores: Using coupons is not a way to CHEAT the SYSTEM, it is a way to help you off set your weekly budget! Be very careful to read your coupons to see if it will double, triple or super double before shopping.............INTEGRITY IS IMPORTANT!

K-Mart
There are a few rules: (I called my local K-Mart to verify)
1.You need a “Shop You Way Rewards Card” (can get in store)
2.Coupons $2 or less will be doubled.
3. Limit of 5 coupons doubled per customer per day.

Target Coupon Policy (for more info go to Target.com to read)
Target Stores Coupon Policy
Coupons are a great way to save even more when shopping with us, and it's easy to use them at our stores.• Target accepts one manufacturer coupon and one Target coupon for the same item (unless prohibited)• Super Target coupons can be used in any Target store if the store carries the item• We gladly accept valid internet coupons
Because of the variety of coupons available to our guests, we do have some guidelines for how coupons can be redeemed at Target.When accepting coupons, we use the following guidelines:• We accept two kinds of coupons: Target-issued coupons and manufacturer-issued. • We'll accept one Target coupon and one manufacturer coupon for the same item, unless either coupon prohibits it.• Coupon amount may be reduced if it exceeds the value of the item after other discounts or coupons are applied.• We can't give cash back if the face value of a coupon is greater than the purchase value of the item. • We can't accept coupons from other retailers, or coupons for products not carried in our stores. • All valid coupons should be presented to the cashier while you're checking out.

Harris Teeter
General
We accept coupons that have not passed their expiration date for use; we can not accept any expired coupons.
We accept only one manufacturer coupon per purchased item.
We do not accept coupons on items not purchased.
Coupons must be presented at time of purchase; we can not return money for coupons not used.
Coupons presented and items purchased must match exactly; size, variety, flavor, etc.
We uphold any purchase stipulations set forth by product manufacturer.
We accept only one coupon for Buy One Get One Free items.
We accept coupons for items only of equal or more value; we do not give cash back.
Sales tax is paid by customer at full retail.

Doubling
We accept 20 double coupons per day per customer/household with VIC card; all others redeemed at face value. No orders may be separated that would allow the 20 coupon limit to be exceeded.
We double manufacturer’s coupons up to face value of $0.99; with total amount not to exceed $1.98 or entire retail of item; whichever is less.
We double up to three identical items with manufacturer coupon; additional coupons for like item will be honored at face value.
No competitor coupons will be doubled or tripled.
In the event of triple coupons, up to 20 coupons will be tripled per day per customer/household with VIC card; all others redeemed at face value. No orders may be separated that would allow the 20 coupon limit to be exceeded.

Internet Coupons
We gladly accept internet manufacturer’s coupons for product; however no “free” product internet coupons are accepted.
With the purchase of two like manufacturer’s products, we accept two internet coupons, per store, per day.
We do not accept internet coupons that do not appear to be originals or that won’t scan. Competitor’s Coupons
We gladly accept local competitors’ circular or direct-mail coupons for MONEY OFF THE TOTAL ORDER; we do not take competitor’s coupons for money off specific items.
We do not accept any internet coupons from other retailers. Rainchecks
Rainchecks never expire and are accepted at any Harris Teeter store.
We do not issue rainchecks for coupon items that may be out of stock or for “while supplies last” items.
We reserve the right to limit raincheck quantities based on product availability and advertised limits.
Rainchecks can be written for a limit of three unless otherwise stated in the ad. Scan Guarantee
Our scan guarantee states "If an item scans higher than the shelf tag or sign, you will receive one like item free, excluding alcohol and tobacco."


Lowes Food
Coupon Policy
We recognize that our customers are looking for more ways to save their hard-earned dollars and using coupons is one of the best ways to save additional money. To allow all of our customers to enjoy these additional savings, our prevailing guideline is that Lowes Foods reserves the right to limit quantities in coupon usage and product purchases.
Manufacturer Coupon Policy
Lowes Foods welcomes legitimate manufacturer coupons when the following requirements are met:
Coupons must be in date.
Coupons must match the item(s) purchased.
Coupons must be presented at the time of purchase.
To ensure product availability for all customers, we limit redemption to 4 coupons for 4 of the same item. For example, if you have five coupons for a specific cereal and have purchased five of the item, we will honor the coupon for up to four of the boxes of cereal.
All sales taxes are paid by the customer at the full retail value of the item.
Coupon value cannot exceed our retail price of the item; no cash back will be awarded.
Double Coupons
We will double up to 20 manufacturer coupons with a face value of $0.99 or less every day.
No minimum purchase is required.
Manufacturer coupons for FREE items or Buy One, Get One FREE items will not be doubled.
Any manufacturer coupon that states -Do not double- will not be doubled.
A doubled coupon will not be honored if the doubled amount exceeds the retail or sale price of the coupon item. No cash back will be awarded.
Other Coupon Promotions
From time to time, our manufacturer coupon promotions will be enhanced. For example, we may offer our customers the opportunity to triple their coupons. Special promotional opportunities will be featured in our circular or on-line.
Internet Coupons
We gladly accept legitimate internet coupons. However, there has been a growing number of fraudulent internet coupons in the marketplace. We are committed to protecting our customers, manufacturers and our company against this illegal activity. Therefore, Lowes Foods will practice the following guidelines for internet coupons:
We will only accept printable internet coupons if they scan at checkout.
We will not honor FREE Product coupons printed from the Internet.
We will accept Buy One Get One FREE and other values that have a purchase requirement.
We will accept internet coupons that have an expiration date. If no expiration date is visible, we cannot accept the coupon.
Coupons will be rejected if they are distorted, altered or obvious duplicates. Coupons are non-transferrable, meaning they should not be photocopied or scanned and distributed to others.
Coupons have unique serial numbers printed on them and follow industry-standard format. Any presented coupon that does not follow standard format will not be accepted.
Internet coupon limits are the same as manufacturer and store coupons.
If you have any questions on the standard format of internet coupons, you can verify at www.printcoupons.com
Store Coupons
In order to redeem store coupons, a Lowes Foods rewards card must be used.
Store coupons must be in date.
All limits and purchase requirements must be followed.
Competitor’s Coupons
We gladly accept local supermarket or supercenter competitor’s circular or direct mail coupons for dollars off the entire order. (examples include Food Lion, Harris Teeter, Bi-Lo, Kroger, Super Target, Super K-Mart, Wal-mart)
We will not accept any competitor coupons for specific items. For example, we will not accept a competitor’s coupon for $1.00 off of an individual item.
Purchase requirements must be met.
Coupon must be in-date.
We will not accept any type of internet coupons from any other retailers.
We will not accept any type of competitor coupons from drug stores or club stores.
We will accept Catalina Check-out Manufacturer coupons from competitors as long as they are in date, all purchase requirements are met, and they scan

I hope you find this information most helpful, I suggest that you go to your favorite store and check out their coupon policies.

Happy Shopping!

Carmen