Many people do not use coupons; they think it’s a waste of time. Yet, their savings account and 401(K) are becoming lighter by the hour. The time is now to use coupons. Did you know that Fry’s grocery store is giving consumers double and triple coupons? Like most grocery stores, they have a V.I.P. card that will save consumers money. The bonus is that they are accepting competitor’s coupons.

True, many people will not give up such items such as health and beauty items no matter their financial circumstance. If you’re a woman who uses Oil of Olay products, visit their website for money saving coupons. That’s right, you can get coupons for Oil of Olay’s Definity and Regenerist product lines. The coupons take 6-8 weeks to arrive by mail, but it will be worth it in the end. Visit Oil of Olay for more information.

How many people are familiar with General Mills? If you visit their website, check out all of their brands. Furthermore, if you click on Coupons and Promotions, it will take you to pages upon pages of money saving coupons. All you have to do is sign up and become a member of the Pillsbury Community. It’s that simple and easy. Sign up today and start saving tomorrow!

For those that receive the Sunday paper, it’s usually jammed pack with coupons. Instead of throwing the coupons out or using them to the line bird cage, grab the scissors and start saving at the grocery store.

Another way to save is via direct mail. The ValPak and direct mail magazines you throw away each week, is like opening a window and tossing out money! You never know what’s in that direct mail magazine — are you overlooking a “Buy One Gelato, Get One Free” coupon? Now, that’s a sin!

Quit throwing away money saving coupons. The money that you save on coupons can be put into a savings accounts. Before you know it, you’ll have enough money in the bank and rest easy at night.

Many people are their own worst enemies. When it comes to money, they continue to make the same mistakes over and over again. People fall victim to their own money mistakes. For those who desire financial independence, recognize and eliminate money mistakes today. This way you can start to live a more peaceful life tomorrow!

The majority of people are impulse buyers. They spend more than what is in the bank because of the need to keep up with their neighbors. Some people buy things because they hold a belief that they will feel better. If you’re an impulsive buyer, make a list of the necessities you need to purchase and then go shopping.

Another money mistake people make is not having a savings account. Putting $10 or $20 a week into a savings account will eventually add up!

Many employees do not take advantage of the 401(K) that their employer offers. Most companies will match their employees contributions. Put the maximum amount into a 401(K) account and watch the dollar amount grow over time. Those who save now will benefit in the long run.

Some people rely on family and friends to bail them out. This is a big mistake! It’s one thing to accept help when the situation is dire, but avoid making a habit of it. Family and friends have their own lives and must take care of themselves as well.

A budget is a great tool that will help many people avoid making money mistakes. Budgeting is not that difficult to do. List monthly expenses such as rent or mortgage, utilities, car, cell or mobile, clothing, eating out, and other expenses that appear each month. Start by curbing or cutting out expenses such as clothing, food, and entertainment. Cook at home because it’s cheaper and will keep you trimmer!

Finally, do not let your emotions or past experiences get in the way of making money mistakes. Remember, most people make purchases based on their emotions. Logic seems to go out the window, although not entirely. Take a step back, deep breathe, and put the IPod back on the shelf. Besides, Apple will probably come out will a new and improved IPod next year. The one you buy will be obsolete!