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#cashier: you know this costs [insert price] right?
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Me: *in Orlando airport for non-SeaWorld reasons*
Me: *sees SeaWorld Store*
Me to me: Do NOT go in
Me: …
Me:
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mellowdarkness · 3 years
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I'm grocery shopping. I braced myself for this. I enter the aisle and grab what I need without looking at the price, covering my eyes from the truth. With an uneasy pace, I head towards the cashiers, to end this torment as soon as possible.
But alas! My eye catches the price of a cereal box. My heart stops. I start choking on my own saliva, gurgling and coughing. My eyes water and I almost topple over. I brace myself and promise to be strong, to be a big boy. I slowly carry the weight of my groceries to the till.
As I wait, and try to shield my ears from the voice of the cashier announcing the amount of money the poor tortured souls ahead of me will have to let go of, I realize how much I've bought. Unneeded snacks, fair trade fruit from some exotic country in South America. How could I be so careless?
I start hyperventilating and a creeping sense of dread crawls upon me. How much more will this cost me? Sadly, before I can try and think of a way to return all these articles, my time comes. "Next, please." says the cashier. I take a step, that I wished resolute, but was in reality shaky and uncertain.
The cashier feels my weakness and tries to take advantage of it. "Do you have the member's card?" "N-no." I reply as she scans through my groceries. I look away from the price counter, each beep increasing its value, in a vain attempt to avoid the inexorable pain. Tears well up in my eyes and roll on my cheeks. Then, unceremoniously, the blade falls down.
"That'll be _______". I doubt what I heard. It can't be, right? It just can't be! I shakily look at the bank card reader. My heart drops. My brain can't think. The numbers on that little screen are the same as the ones the cashier uttered just seconds ago. All the air leaves my lungs, and I slowly but shakily extend my arm, holding my card, towards the reader. Too shakily, in fact.
The card hits the ground. Like a bullet piercing through an aquarium window, like the first rivet of a dam yielding against the water pressure. I start bawling. I let out all the awful feelings that had been building up since I realized I'd have to go grocery shopping. The strength of despair takes over my body and it somehow manages to pick me off the ground, still wailing. "Would you like a bag?" I refuse, without taking a moment to consider the offer. I insert the card in the slot, punch in the number, take it out. It happens slowly. It happens quickly. It's like someone else is doing it.
Still in anguish, I start packing up my groceries in the backpack I brought. I'm too slow. People start queuing up behind me, pressuring me from all sides to go faster. And then, in a last cruel twist of fate, I realize there's no way for all of them to fit in my bag. Adrenaline starts pumping through my veins. I force the last article I had down my bag, and carry the rest in my arms. The whole formation is unstable. Any brusque movement, and everything will topple over, and hit the ground. I can't open doors, or use my hands for any reason. But despite that, I run off towards the exit, as if running away from the process that took so much from me and my wallet. I find vague comfort at the idea that what I have bought will be able to sustain me for at least two weeks. Maybe three, if I make it last. But deep down, I know that, at the end of this grace period...
... it'll start all over again.
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ravencromwell · 4 years
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Disability Wealth Gap in the U.S.
Have been pondering the U.S. disability wealth gap a lot over the last few days while simultaneously realizing the lack of familiarity around disability finance outside the fairly narrow disabled community. So here's the disability wealth gap breakdown in the U.S. no one asked for.
Let's get a couple terms out of the way first, on the understanding these are fairly generalized explanations--the accompanying links will give you more broad information.
SSDI is social security disability insurance, available only if you've paid taxes into the social security system, usually for at least five years.
SSI is supplemental security income--a needs-based program for low-asset holding disabled folk, that requires no taxes having been paid into the system.
But! unlike disability insurance, where there's a fairly generous yearly earned income cap and no asset cap, both those things exist with SSI--one of the reasons means-testing is one of neoliberalism's worst evils
Essentially, SSI is the greasy spoon compared to the meat & 3 that's available if you've paid in the system. Your only criteria is being born disabled and low-income. And then are promptly kicked off of if you have assets over $2,000. Yeah, you read that right: no fluffy college degrees if you're disabled. You better make damn sure you get something that'll keep you employed come hell or high water
You'll notice that both the source links are to breakdowns regarding income; I'm not the person to ask about eligibility, particularly when it comes to Social Security disability insurance, having never been one of those lucky tax-paying folks. I'm here to talk assets and economics if you're born disabled and poor. More specifically, how disability--especially when viewed intersectionally with other isms--makes it damn near impossible to escape poverty
So, you're allowed to have $2,000 in assets as a single person and qualify for SSI. Assets, as defined by the social security administration include:
cash
money in a checkings or savings account
cash value in life insurance policies (over $1,500)
stocks and bonds
vehicles (they grant us the grace of one for transportation)
real estate (except our house)
(Source link)
Do a real slow once-over of that list. Barely any life insurance; no easily accessible investment opportunities, and most of all, no easily accessible savings or checking. And this's a flat rate, assessed yearly; your accounts can never, under any circumstances, go over $2,000 in a year. (Easily accessible is an important caveat here, because there are beginning to be some legal work-arounds which I'll address later)
And the SSI payment itself? I'm on the upper-most end, and it comes in at about $800 a month, which you'd better spend within that month, cause remember, no accumulating over $2,000. Average one-bedroom apartment rent in the U.S. in the year of our lord 2019? $1,078. This rent report, while capitalist as hell, in that it celebrates the growth that's sucking everybody dry, is a very good overview of just how bad the rent situation is. If you're insanely lucky, you can scrape an apartment at $601, and if you're shit out of luck, you'll end up at $2,311.
I specifically mention one-bedrooms because disabled folk tend to be shy of apartment-sharing arrangements. There're a lot of reasons for this, from needing to carefully organize our refrigerators by memory to avoid expensive labeling technology (if you really want a trip, go look up the price of a roll of Dymo tape, which's the best kind of tape for inserting into a brailler for labeling.) to serious concerns on the part of nondisabled folk about rooming with us. The fear of being asked to change your life in significant ways or take on responsibilities outside those normally expected of apartment-sharing agreements is one I heartily sympathize with.
And then, there is, of course, disabled folks' healthy fear of crime. This isn't a topic I want to linger over, particularly because I think there is a real danger of inflating carceral myths around crime that've already ravaged poor, majority-minority communities. But it is a reality that disabled folk are three times more likely to be victims of violent crime than their nondisabled counterparts. Just as with many other marginalized folk, we need to take care in our housing situations etc. etc.
The unfortunate reality, however, is that the low-wage work that many marginalized folk rely on for survival is barred to us, especially if we have significant physical or visual disabilities. As a blind person with cerebral palsy, for example, cashier and receptionist are out for me.
There're two vitally important discussions that need to be had that don't fit neatly into this 101 post where I'm specifically using the most universalist language possible to encompass the broadest cross-section of the disability community, but which I want to acknowledge nonetheless: the complete lack of a social safety net, and the fact that even as a dirt-poor white, I'm farther up on the privilege ladder than most people of color.
One of the most enlightening passages of Brittney Cooper's Eloquent Rage is the following:
Skyrocketing childcare costs continue to disadvantage Black families, particularly in households like mine, headed by a single breadwinner mother. According to the Institute for 206Women’s Policy Research, 60.9 percent of all Black families are headed by a single mother who is the breadwinner for the family. Another 20 percent of Black households rely on a married mother as the breadwinner. In every state in the United States, there are more single than married Black mothers. In every state in the United States, there are more married white mothers than single ones. In twenty-four states, the cost of childcare exceeds the cost of rent, and in many states the cost of childcare exceeds the 10 percent income-affordability threshold established by federal agencies.
Consider that many of those single women are also disabled--a definition complicated, I'm beginning to learn, by the racism of the white disability community and many black folks' distrust of identifying with any term that harkens back to eugenics. Especially as utterly baseless, slanderous filth about intellectual or physical inferiority is still propagated as one of the multiple cudgels of racism to this day. (which is one of the reasons, honestly, that I'm doing this post; because disability, and the financial limitations thereof, often intersect with the movements against police brutality in ways not immediately apparent. If we as disabled folk are three times as likely to be victims of violent crime, you know! black disabled people, be that an identity they embrace or no, are going to be more vulnerable.)
But I also bring up Cooper's point above because it highlights the scarcity of resources and general social mobility. I've been trying to obtain a housing voucher for years. This would allow me to set aside some of my SSI money--in those legal work-arounds I'll touch on in a moment. Not a lot, mind you, but enough to build on a slight savings foundation. As a person with disabilities, I'm even considered high-priority. But there simply are no openings. The waiting list is lengthy, and gets lengthier every year. Because the people reliant on said vouchers can't gain better-paying employment. * So they need those vouchers, and the state and federal government refuse to create more. (And understand, this goes beyond simple dem or gop administration categories. I was as thoroughly fucked, housing-voucher wise, under the Obama admin as the Trump one. There is a fundamental housing crisis HUD has failed to grapple with, of rising rent and shrinking availability for low-income individuals. This failure has been a long time in the building, and just happens to disproportionately impact those of us with disabilities.)
In a system where the statistics Cooper cites are a grim reality for so many black women, it is absolutely no surprise the system is gridlocked, especially when you look at Cooper's elucidation that in 2011, median wealth for white families was over $141,000 while black families' rested at $11,000. And single black women: had a net wealth of $5, while single white women had an average of $42,000.
I may be dirt-poor, but I recognize that my ability to be left a tiny nest-egg of an inheritance is a massive fucking white privilege, and I want to make clear again that a lack of spots on that voucher list is absolutely not the fault of anyone but the folk in power. But when you can't get an entry-level job, and you! can't get a voucher, having anything to build on is insanely tough.
Especially because: the first legal work-around to SSI didn't arrive until the year 2014. Yeah, you fuckin read that right: six years ago. Known as the Able, or A Better Life Experience Act, this let us create savings accounts. We can--and are expected to--sock money away in those for investments in housing, education, etc. etc.
And look; it's revolutionary, ok. It lets me have a tiny nest-egg without having my SSI snatched away. But when your SSI is $800 a month, it's essentially eaten up by expenses. If and when disaster makes that nest-egg dwindle, there's nothing to replenish it. And understand: this is significant progress. Remember that $2,000 SSI asset limit? Until March 9th, 2005, household resources were counted towards that total. (Yeah, that means everything from furniture to your cell phone counted towards your assets, and then people ask why there's a disincentive in the disability community towards employment when your SSI is so often tied to decent, affordable insurance.)
There is progress made, but god there is so much more to be made. I didn't even know about the trusts until two years ago. Until this week, I didn't know that friends could gift directly into the trust, when I went looking after generous people offered help and I went: but can I take it without fucking up the SSI, cause god knows I desperately need replenished savings, but can't possibly get kicked off that, too. There are so many people who have no idea Able accounts exist, or the means to fill them.
Disabled people who aren't employed in white-collar jobs and want to get married? are absolutely fucked. If you have SSI, you can only have $3,000 in assets between you and your spouse, excluding some pensions etc. etc. Exceed that limit, and poof, you're done. So if you're born disabled, better either go to college or have a spouse who makes enough to support two. (These restrictions are slightly less onerous with Social Security Disability Insurance, or SSDI, but as I've said before, I'm not the one to speak to that.)
Part of making that progress is being well-informed. Start understanding how race and disability are woven together--something I'll freely admit I'm just learning. Start understanding that programs like a child allowance? are simultaneously some of the best antiracism and antipoverty work we can be doing, and would be revolutionary for parents with kids with disabilities.
Even more revolutionary, and the program I hear no one talking about? baby bonds!
You have to understand: there is a lot of shit Senator Booker and I disagree on--google his notorious charter school support. But this program? was one of the best things to come out of the 2020 campaign--aside from Warren's wealth tax, and the entire policy page which's just a well-constructed dream suite of proposals.
Booker's baby bonds program makes me do the delighted flaily hands. A. the strides it would make to reduce the black and white wealth gap between young people are just phenomenal. B. it would so radically reshape the landscape for disabled folk I haven't even entirely managed to wrap my head around all its implications. But let me give you an example.
As members of the disability community, there is some limited aid available to us for college. States will usually pay the amount of tuition for an in-state student at a local university of their choosing. So let's say $9,500. Now, we all know that's not going to go very far at all, particularly if you go out-of-state for college. And considering the steep unemployment rate in the disability community--most reputable studies put it at around 70% in the blind community. Well.
Even taking into account methodology concerns e.g. not necessarily surveying whether someone wants a job or are cognitively capable of job performance, but instead relying on whether they have one, those statistics are fucking grim. (I try really hard not to ponder it; the only way to pursue my ambitions is to believe, with either mad optimism or bulldog stubbornness, in my chances of success.)
When you're looking at those steep odds in a world where networking is already hard for non-disabled professionals: you need! the burnished credentials of a fancy school. You oftentimes need that gloss just to get you noticed as a blind individual. And that? means a lot steeper tuition than what the state departments of rehabilitation will fork over.
If you're straight out of high school, you have some real hope of scholarships for your undergrad. If you are, like me, a nontraditional student, things get...complicated.
Current plan looks something like: take advantage of the free 2-year-college that just! got passed in my GOP state about a year ago. And have the amount of a semester's tuition (so around $16,000) in savings by the end of that. After that first semester, I'll use internships and work study and fuck knows what else, but I need that first semester: to undertake the arduous task of learning routes as a blind person. To understand what my resources are on-campus as a disabled person and how to utilize them.
Booker's baby bonds? An account worth tens of thousands by the time I was eighteen? would've erased so many of those obstacles. By now, I'd be out of college, out of law school, gainfully employed. The possibilities are almost too vast to contemplate.
So, yeah. I have no neat conclusion to this. Start understanding disability issues as critical intersectional issues. Fight for economic equality, understanding that you're fighting, in large part, for disability equality. Ask questions. I'm open to them. I suspect you have other disabled friends who are, too
*There's a whole discussion around incarceration crippling employment, especially in majority-minority communities. Follow any good decarceral thinker, from Chris Hayes to Josie Duffy Rice to Ruth Wilson Gilmore (the latter understands disability as a crucial part of the struggle in ways I deeply appreciate) to understand the issue better.
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michellejasek · 3 years
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What’s involved?
(From a lazy, lay-person’s point of view)
I’m not a huge details person.  I learned enough to know I was okay to move forward, and otherwise if the details won’t affect my decision, I don’t really care about them.  I don’t need to research the hell out of a topic and understand every aspect.  I have better things to do with my sanity and brain power.  Nothing useful, mind you... but likely more fun or entertaining at least.  So I can’t provide a detailed description of the entire process, or all the jargon or lingo, because honestly I don’t care.  And, the majority of my research happened 16 months ago, so I can’t say I remember all that anyway.
And, you shouldn’t trust me for all that anyway!  But, here’s what I know.
The process starts at the beginning of one’s menstrual cycle.  I had assumed I’d need to be off of birth control for a period of time, to ensure my system was clear of it before starting this process.  Turns out, that was incorrect.  The doctor sent me a list of 6-8 oral contraceptives that had the right types of hormones to get me set up for success, which made planning the trip much more easy.  I was able to approximate the day on which my period would begin, and I arrived in Mexico on that day (Wednesday 12 May), as you want to begin taking the drugs between days 1 and 3 of your cycle’s start.  One of the contraceptives on the list was Sprintec, which is one I’ve used in the past.  It tended to give me headaches, and has more estrogen than some others, so my doctor (regular doc, from whom I got the prescription while still at home) suggested we switch back to my regular one once I’m finished, as unnecessary estrogen can lead to increased risk for breast cancer, etc.  But, I wanted to have a solid idea of what day of the week I would start, so I wanted to take Sprintec for a couple months before the trip.  But, it turns out that was a couple months before March 2020, and a couple months before November 2020, and a couple months before May 2021.  I’ve been dealing with very mild but fairly frequent headaches for a while now. And an attempt at a keto diet for a few months seemed to make them a little worse also.  So I’m excited to get back to the normal stuff.  
I arrived Wednesday evening, and had my first appointment Thursday morning at 8am.  There is a little bit of a language barrier with everyone at the clinic, the masks don’t help, eliminating lip reading, but it’s nothing insurpassible.  Everyone speaks very good English compared to my very, very poor (non-existent) Spanish, so I’m grateful for all of them!  And if I don’t understand, I shake my head, and they start over again with different words.  
I had the aforementioned bloodwork done (HIV test, Hep A, B, fertility hormones, etc).  
Then I met the doctor (Dr Romero, male), who was accompanied by a female nurse (who was with me most of the time), and another woman who I believe he said was a resident.  He explained a little of the process, asked if I had questions (I really didn’t yet), and then in the adjacent room I disrobed and prepped for my first vaginal ultrasound, which was painless and easy.  I will provide details later, just want to provide an overview as I understand it right now.  
Besides a temp check upon arriving (all businesses in Mexico check your temp as you walk in, restaurants, grocery stores, car rental office, ferry terminals, condo complex security guards, etc), they didn’t take any vitals.  I guess that’s the largest difference I noticed from the US.  Does it really matter what my blood pressure was for my purpose there?  Maybe would be a good thing to know before the phlebotomist drew my blood...?  A little strange.  If they don’t take my vitals before putting me under general anesthesia I’d probably inquire...
Then I spoke to the cashier, and paid the balance of my bill.  I had paid $1,500 via paypal in January 2020, so I owed the balance of ~$3,500.  She explained the cost had gone up slightly since then, but they were honoring the price they quoted last year.  I have a high-deductible health insurance plan, so I contributed more to my HSA in Dec 2019, and maxed out my contributions in 2020 and am paying all of this pre-tax.  According to my HSA, funds can be used on medical costs in other countries as long as it’s not a procedure or supplies that are illegal in the US.  
I didn’t start my period until later Wednesday night, so they told me to begin the drugs Thursday evening (day 1).  The nurse described and demonstrated how to administer the two injections, once a day between 3-6pm.  Both medications have to be refrigerated.  One (Gonal, 225 UI) is a pen much like an epi-pen, but it has several doses in one pen, so I select the dosage on the pen itself via a click-wheel, attach a new needle to the end, and after inserting it, depress the end until the dial returns to zero.  The other (Merapur, 75 UI) is a classic glass vial from which I draw a small dose, again the same vial contains several doses.  I was a little bit worried about being brave enough to inject myself.  My brother and mom both said they would do it if I wasn’t able, but... it’s not as bad as I expected.  Not fun, of course.  But, not terrible.
I will return to the clinic on days 5, 7, and 9 for more ultrasounds.  They’ll monitor my progress, tweak meds if necessary, and decide on day 9 when I’ll be ready to harvest.  That will occur somewhere around days 10-12.  The 10th day is a Sunday, so I think it will be day 11 or 12.  Our return tickets to Denver are on day 14, so I should have a rest day if I need it.
I will provide more details later about the procedure, because I’m sure I’ll know more.  I’ve only administered two doses thus far, and don’t yet have any side-effects.  My brother is likely a more accurate source for if I get bitchy or not.
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generaltyphoonking · 5 years
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If you want to buy counterfeit money online, at that point, contact an expert company like topnotchcounterfeit.com today. Order counterfeit money in all currencies online. We sell undetectable counterfeit dollars worldwide. Buy top quality counterfeit Euro and invest in EU countries. They will likewise assist you with getting quality counterfeit money at the best costs accessible. There is no looking back once you are with this company. Be it any currency; you can get counterfeit money for the same available here. Buy fake money and have it delivered to your home address. Ultimate producer of grade AA  counterfeit money for sale.
Steps to Follow in Detecting Counterfeit Money
Representation
On the real notes, the picture looks the same and genuine from all ends. But in the counterfeit money, the picture is usually inert and level. The details of real vary from the counterfeit ones from plain sight, which is often dim or mottled. You should understand where to  Buy Counterfeit Money online before you step into this business.
The central bank and Treasury Seals
The saw-tooth purposes of the central bank and treasury seals look clear and sharp on the real currency. While on the counterfeit currency, they seem uneven and broken a little bit. Counterfeit money has come to stay. Make got use of the opportunity now. Solve your problems with counterfeit money from a top-notch supplier of fake banknotes
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The real money has clear and solid borders, but in counterfeit money, the lines on the external edge look obscured and vague. Looking for fake but quality counterfeit money? Yes, you can buy counterfeit money online.
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The sequential numbers are usually set in a specific style and form that is nicely divided. The numbers are imprinted in the same ink color as Treasury Seal. This color of the ink may vary on the counterfeit money along with uneven separation between the numbers. Undetectable banknotes should be your priority when going into dark market in search of counterfeit money.
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The original paper of real currency has small red and blue lines imprinted on the whole. In the case of counterfeit money, these lines are imprinted superficially but not inserted in the paper. Fake money online is what we do best. Meet the top sellers of counterfeit money at topnotchcounterfeit.com and buy counterfeit money online right away! Get the best of quality counterfeit money for sale from a reliable supplier. Use the money to solve your day to day problems and why not invest in multi-million dollar business
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spiritfulsoul-blog · 5 years
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Using coupons can save you huge amounts of money every single month. People spend much more than they should when shopping, because they do not realize the amount they could be saving. These coupon tips work well and have been tested. Keep reading to discover more.
When you plan on being an extreme coupon clipper you must make sure you know exactly what the rules and policies are at your favorite store. There may be one store that will double coupons and another one of the stores that you frequent that do not double the coupons.
Consider utilizing your coupons during BOGO sales at your grocery store. You will get this additional item for free and also get money off the original item. This allows you pay to pay a small percentage of the retail price.
Familiarize yourself with coupon terminology. You don't want to get to the front register and find out you can't use half your coupons. Look at your coupons before you make the trip to the store. Make sure you're reading the fine print. Make sure you understand the jargon that is used on it.
A good tip when clipping out coupons is to place them in a pouch or somewhere you can easily keep track of them. This will prevent you from creating a mess and you'll have your coupons readily available when you need them so you won't have to dig around to find them.
Put your scissors down! Instead of spending time clipping coupons that you may or may not ever use, just keep the whole circular. Organize them in a file chronologically. There are many blogs and databases online that will match up coupons with in-store sales and refer you to the dated insert with the corresponding coupon. When you find a deal you want, just look up the inserts and clip only the coupons you'll need.
When you sit down to snip out coupons, go through the ads first to match up deals offers with the items you already intend to buy. You might find out that you can find the item for a cheaper price somewhere else, or change your mind on the item once you see it.
Go to the manufacturer's site directly. Usually you can save a few bucks on your preferred brands by signing up online at your favorite retailer. All you have to do is supply them with your email address, and they will send you some coupons. Since it is a retailer you shop at, getting email from them is something you want.
For all the latest tips and tricks about couponing, as well as information about upcoming sales, it's a great idea to subscribe to a coupon website. These websites have coupon forums and other services that will help you to maximize your savings by communicating with other couponers and comparing deals.
Organize your coupons by the expiration date. You might find, when you start clipping, that you are collecting a bountiful supply of coupons for the same item. If you organize these coupons by the expiration date, you will make sure to use the ones that expire first during your next trip, and save the others for a later date. This helps you to take advantage of all the savings you have gathered.
Target the smaller sizes on the grocery shelf to maximize your coupon. The reduction in size also carries a reduction in initial price. When you reduce your unit cost, you save more in the long run. This will let you control your usage of products better overall as well.
You don't have to waste costly color ink printing coupons on your home printer. If you have an inkjet printer, you can set your preferences to print in black and white or simply remove the color cartridge. This way, everything will print in black and white. Retail establishments will still accept these non-colored coupons.
Do not forget about your national chain drug stores. These places have a ton of their own in store coupons every week and stacked with manufacturers coupons you will be saving big. Alot of these places also have rewards cards that will give you dollars back to spend there once you spend so much.
Do not feel ashamed for using coupons. Especially in tough economic times, coupons are an effective method to saving money. More and more people are doing everything they can to stretch their dollars. There's nothing wrong with having the savvy to save money.
Try to find some of the sites online that will offer the best coupons in the stores that you shop in your area. This will give you the ability to get the most out of the coupons that you purchase and maximize the savings that you will have in the long run.
Make sure that you pay close attention the expiration date on coupons you are interested in using. If you save them for too long, you may miss the opportunity to use them. It is a good idea to set a reminder in your calendar about a week or two before it expires.
Learn to adjust your grocery list based on your coupons when it is going to help you save money. For instance, if you can purchase items that last for 50%, stock up on them. This is a way to save money over an extended period of time.
Find store coupon policies online and print them out. Keep these hard copies in the front of your coupon binder. Every once in a while, or perhaps often, you will find a cashier that is either misinformed of their own policy or just does not feel like dealing with all your coupons. Know your rights in advance.
Trade coupons with others. Using coupons has become an art form and there are plenty of groups that exist just to trade coupons. You can find these groups by using the search engines. You can find others who have the coupons you need and trade them for your unwanted ones.
As previously discussed, using coupons properly can save you a lot over time. The information in this article will help you become a coupon guru and allow you to save you and your family money.
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Improve Your Budget With These Coupon Tips
Many people are looking for ways they can save money on everyday items. More recently, coupons have become quite popular in saving people money. There are a few things you must know about using coupons effectively. Continue reading to find out everything you should know about using coupons and saving the most money.
Don't rely only on your Sunday paper. Look for deals on several different weekend newspapers, and purchase them. This will help ensure that you get the widest variety of coupons possible. In addition, you may be able to get more than one coupon for an item that you use often, allowing you to stock up when it is on sale.
Take advantage of any reward's cards programs that your local grocery store provides. Often times the store will allow you to load certain coupons right onto your card. This is so nice because you do not have to clip them out, but you also have to remember to note what you put on the card so that you are sure what you need to buy. Furthermore, you cannot use more than one coupon at a time, and they often limit doubling.
Some newspapers will offer a couponer's discount. It's worth asking about. Some newspapers will let you get the weekly paper for as little as a dollar an issue if you have a Sunday subscription.
Read the small print of a coupon. For instance, you may get a coupon for a dollar off your favorite food. But when you see the fine print, you may realize you have to buy two to save the dollar. It can be hassle to get to the checkout only to figure out it is not such a good deal after all.
To make the most from coupons, you should make sure you have a subscription to your local Sunday paper. There are coupons in the newspaper every day of the week. However, the sheer volume and variety of coupons in the Sunday paper will more than offset the cost of the subscription.
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Buy the Sunday paper. This is one of the best ways to get coupons. If you know someone who gets the paper, but doesn't use coupons ask them for their coupon inserts. Even though the newspaper costs money, the money saving coupons in it will more than pay for the price of the newspaper.
Become familiar with coupon collecting acronyms. For example, were you aware that 'BOGO' means that if you purchase one item, you get another one at no charge? MIR on the other hand, stands for mail in rebate. Whether it's an acronym or initialism, you should learn the lingo involved with couponing. You may miss opportunities if you don't understand these terms.
If you want to make the most out of your coupon savings, check with all of your local stores to see if they double coupons. Doubling coupons means that the face value of your coupon is doubled, usually up to a certain amount, say, 1.00. So, instead of saving 1.00 on your item, you will save 2.00.
Make sure that you're financially prepared to take full advantage of the coupons you're clipping out. If you don't have any extra money when the good deals pop up, you won't ever be able to take advantage of the savings. You can still use coupons on your regular grocery items, but you will miss out on valuable opportunities to stockpile your favorite toiletries, paper products, or other dry goods.
Maximize your existing time. Coupon clipping takes some time and a little effort but pays off in the end. You will have to devote time and effort to get the most savings. Try clipping your coupons every day before bed for a while or you could do it during lunch. Work with your schedule.
You can really save a lot of money when you have coupons that get you up to 75% off the retail price. When you encounter coupons like this, you should stock up on the items for at least a three-month supply. This also gives you time to look for additional coupons during that time period to help you replenish your stock when it is low.
Having brand loyalty is not always wise if you are going to be using coupons for savings. For instance, you may enjoy Pepsi, but if Coca Cola is the brand that is on sale and you have coupons for it, that is what you should go with. Being faithful to a brand is not going to save you money.
Get familiar with your chosen store. If you're not shopping online, you are going to have to navigate store aisles and deal with cashiers. It will ease your couponing process if you can easily find the items you have coupons for, so that you're not wasting time in the wrong aisles. It also helps if you can find cashiers that can deal with the whole couponing process properly.
Subscribe to a few couponing blogs. Collecting coupons and using them effectively is an art, and some people have spent a lot of time learning how to do it right. You can gain a lot of valuable information from those individuals. Subscribing to their blogs is the perfect way to do it.
Take the hassle out of using coupons by staying organized. If your coupons are flying all about your purse, it's enough to stress you out. Buy a coupon organizer and use it. Coupon organizers have tabs so that you can separate coupons by category. If you don't want to buy one, you can make one yourself.
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linhhienp8265-blog · 6 years
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Expert Coupon Ideas That Help You Save
Expert Coupon Ideas That Help You Save
Shopping isn't an easy task. You have to make a list, and you have to be prepared ahead of time if you don't want to overspend. However, with the right knowledge and information concerning coupons, you can save much money on your grocery bill. Consider the following helpful tips when shopping.
In order to get as many useful coupons as possible, you should not confine your searches to conventional sources alone. By expanding your coupon hunting beyond newspaper circulars to include online resources and coupon trading groups, it is likely to maximize the products for which you can receive discounts and realize the greatest amount of savings.
In order to really get the most value out of the coupons you clip, be sure to keep them organized and broken down by product category. By maintaining distinct classes of coupons, you will have quick access to them while shopping, which can prevent you from being left with a large number of expired discount offers.
Ask friends, neighbors and relatives to save their coupon circulars and newspaper inserts for you. Many people throw coupons away or recycle them with the rest of the paper, not realizing how much they could save by using them. This is a great, free way to acquire extra coupons for the items you use most.
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Make sure you understand and print off coupon policies for your local stores. Walmart, for example, has a printable coupon policy. Keep them in your coupon organizer for handy usage. On occasion, a cashier may not know the corporate policies for their stores, and having the policy may help you get the leg up in a disagreement.
If you're interested in getting extra coupons from the local paper, try calling your local paper's office and ask if they have a couponer's discount. Discounts often come in the form of cheaper subscriptions if you purchase multiples.
Be prepared to spend a few days a month getting your coupons together. This is necessary if you are going to do couponing and be completely successful at it. You will also have to visit several different stores on your shopping trip to get the very best deals that you can in your area.
Make sure your coupons are being scanned correctly. Sometimes, the coupon or the store will be at fault, and the coupon will not scan. Monitor the register screen and make sure that each coupon is verified.
Shop at stores that multiply coupons. Some stores double or triple coupons everyday. Other stores have certain days on which they will multiply manufacturer coupons. Be sure to read the fine print, because some stores just allow a limited number to be multiplied, require a minimum purchase, or only multiply coupons with lower values.
Join like-minded people on forums and social networks to really empower your couponing. Few things are loved by more people and with such passion as saving money, so find a site where people share their tips, codes and strategies to saving more money with the use of money saving coupons.
Target the smaller sizes on the grocery shelf to maximize your coupon. The reduction in size also carries a reduction in initial price. When you reduce your unit cost, you save more in the long run. This will let you control your usage of products better overall as well.
The best coupon websites will give you a list of all of the major stores and tell you where you can find the best coupons to go with their weekly deals. You need to pay attention to these and do not forget about your chain drug stores that always have good coupon deals.
To get the most coupons possible, sign up for more than one Sunday newspaper subscription. You will receive tons of coupons this way and may even get different ones with each subscriptions. Also, ask your family and friends to save the coupons from their papers for you (if they are not using them).
Now do you have a better idea as to how to approach the coupon world? There is much to consider when doing things the right way, and hopefully this article has helped you realize what you need to do differently. Remember the tips you've read here as you go on your next shopping excursion.
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Read Here For The Coupon Advice You Need To Know
The existing economic conditions have caused many to face financial turmoil. Coupons may well not totally solve money problems nevertheless the savings could add up. Coupons are a great way to save big dollars. These article will teach you about coupons and how they are utilized properly. Make certain you're not merely buying something because you've got a coupon for this. This can result in spending more about your shopping trips and buying things you will never use. Use coupons on things you consider buying for starters to prevent unnecessary spending. Be sure to use coupons when you get a buy-one-get-one-free sale. It's like you're receiving a discount on both items purchased. Often times, you could possibly pay lower than one fourth the initial value of the item. As you clip your coupons, pair them on top of the local grocery flyers and grocery list. You could possibly save a lot by visiting a few stores rather than visiting numerous places. Many items can be acquired at the big discount at dollar stores using coupons. Many offer brands you will probably have coupons for, too. Many overstocked items are sometimes brought to low-end retailers to offset costs. It is a great thing for coupon users since the pricing is already low, meaning greater savings for you personally. Make certain all your coupons get scanned right once you get to the checkout. It is simple for checkers or cashier equipment to erroneously scan coupons or perhaps fail to scan them entirely. So keep the eye in the cashier and be sure that things are all dealing with equally as it should. If you would like extra copies of your respective newspaper's coupon insert without spending the full cost of the paper, contact the paper's offices, and inquire about a likely couponer's discount. They might have deals into position that you can take advantage of. On the checkout counter, you must ensure that each of your coupons is scanned and deducted from your total. It really is shocking to understand that lots of coupons fail to scan, due to problems with the store computer or even the coupon itself. You ought to carefully observe the cashier to make sure that she / he is scanning each offer. Use the coupons you possess together with all the sales at your local food market. You may maximize savings by doing this and incredibly stretch your dollar. Just be certain the coupons that you employ are updated, you don't want to use a coupon that is certainly expired and end up spending additional money. Whenever your coupons are combined with excellent sales, your savings be up to 80-90% of your respective grocery bill. With any luck, these suggestions ought to have helped you learn to shop with coupons. There is a lot of data, but it's all good information you should use. Begin using these suggestions to save cash in virtually your shopping endeavors.
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Use Coupons The Intelligent Way With These Tips
A ten years in the past, most buyers clipped the occasional coupon that afforded them a whopping 15-cent low cost on creamed corn or rest room tissue. These days, however, couponing has become a way of daily life for numerous. If you want to get the most from your couponing adventures, study on, and learn the ins and outs of profitable couponing. If you do your on the web research, there are many couponing web sites you can go to find the very best bargains on discount coupons on all of your favored objects. You might even be capable to clip that coupon that will get you some cost-free objects to have you saving a whole whole lot at the checkout. Try to uncover the best feasible coupon blend for the very best offer. It still might be the circumstance that the generic manufacturer offers you much better price personal savings. Always check to make sure shoes are getting the very best price. Inquire buddies, neighbors and kin to help save their coupon circulars and newspaper inserts for you. Numerous people toss coupons absent or recycle them with the rest of the paper, not noticing how considerably they could save by using them. This is a wonderful, cost-free way to purchase further discount coupons for the products you use most. Permit your pals and family know you are clipping coupon codes. What will almost certainly finish up taking place is that everyone will help save their "junk mail" for you. This mail can be a treasure trove of discount codes and bargains. If they will not want to use them, they overlook out--that will not indicate you have to! Make confident you have the place for all of your newly acquired items. Couponing will fill your cabinets and have you acquiring multiples of 1 solution to get them for free of charge or at a very deep discounted cost. You will be stocked up for a extended time on some really distinct items. Make pals with the cashiers. Notably if you are in the very same retailers pretty typically, it is crucial to be polite and thank them each time attainable. They can truly help the procedure go considerably smoother if they are not aggravated at obtaining to scan all your coupons. A small persona can go a long way. Despite the fact that you may possibly have a coupon for the merchandise, you must not operate out and buy it. Purchasing each and every item for which you have a coupon will not result in any financial savings. If you have a coupon, that is wonderful, but you ought to not only acquire items that are discounted. There are sites obtainable exactly where serious savers can acquire discount codes. There could perhaps be a coupon out there that lets you get an product for free of charge. While it truly is challenging to feel about paying for coupons, it can shell out off massive at the sign up. Many stores have an on-line keep, and you can sign up for notifications when they have a sale. You can also verify the site for recent coupon delivers periodically. online shopping can print the coupon from their website, or use the code they supply if you want to buy an item online. If a product has a mail-in rebate offer you, make certain that it is well worth the postage and your time. If it is, make specific that you mail it in speedily. Some stores will supply you a specific receipt, especially for rebates. If your store will not, spend for the product independently so that you have your receipt for other objects. Where do you discover discount codes that will preserve you some severe cash? 1st, appear in your neighborhood newspaper, and subsequent print them from house by browsing online according to your buying list. It's incredible what you can uncover when you research for coupons on the internet. You will locate oneself saving funds on just about everything. Never toss outdated coupon codes out. Deliver them with you if you need them and inquire the clerk if they are still all right to use. Some merchants will get the out of day discount coupons. Do not make the error of not employing as a lot of discount coupons as you can to get discounts. For case in point, if you have four luggage of chips, and you have a coupon for a discount on a single bag, you can get a few far more coupon codes and get a low cost off of everybody. Uncover a buddy or two who also likes to clip coupons, and get collectively for a coupon swap. You are going to uncover that you can give them the coupon codes that you do not need in exchange for the kinds you use. In addition, if each and every of you bought a diverse newspaper, you can meet to form by way of the distinct coupon codes located in the inserts. As an alternative of spending a large volume of income acquiring newspapers, enlist the help of your neighbors, pals and co-staff. Just have them help save the Sunday inserts for any discount coupons they will not use. This way, you might be in a position to score some totally free discount coupons. Do not neglect to display appreciation to anybody who assists you. Give them a cost-free product many thanks to your discount coupons or some inexpensive cupcakes that you bake your self. Subscribe to a handful of couponing blogs. Collecting coupon codes and utilizing them efficiently is an artwork, and some folks have put in a whole lot of time studying how to do it appropriate. You can gain a great deal of useful information from these individuals. Subscribing to their blogs is the perfect way to do it. You can even discover discount codes and special advertising discount rates for companies online. A good deal of rental car agencies will allow you to use a coupon or advertising code to get a price cut for their solutions. Just do a rapid search to see what you can discover and you can wind up conserving a good sum of money. Feel about hooking up with a coupon team. Or, make it a new passion and passion within your quick social circle. When you're ready to hook up with other men and women with the identical aim as you, your couponing can be enhanced significantly. You can even discover folks to trade discount coupons with to get rid of your extras and get some you can use! As described, couponing has grow to be a significant endeavor. To get the most out of your time and initiatives, however, you require a few very good ideas and tips to support you out. Now that you have the details you want, you are all established to head out and preserve some critical money.
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