Do You Try to Save Money or Try to Earn More?

March 18, 2010 at 3:00 AM 9 comments

Last night I searched out the shortest line in the grocery store and found the kindest cashier behind the counter. I handed her a bunch of reusable bags and apologized in advance for the number of coupons I planned to use. I used a total of 20 coupons for 35 items.

She told me all about her coupon clipping strategies and said she probably had twice as many store reward cards hanging from her key chain. She also said her husband refuses to shop with her if she plans on using coupons.

I told her my husband is pretty similar. He comes to the grocery store with me every so often, but he usually tells me not to stand around in the isles matching coupons with sales. I know when I shop with him that I have to come fully prepared.

My husband’s philosophy is simple. Rather than clipping coupons and saving money, he typically finds ways to earn more. He’d rather work an extra hour, than stand in the grocery store sorting through a wad of clipped paper. He doesn’t mind if I want to save this way and is more than happy to pour me a glass of cold water while I clip and sort on Sunday mornings.

I’m a salaried employee, so I can’t work extra hours to make more money like he can. Similarly he would rather do a million things than compare prices and clip coupons. Although our techniques to save money are different our ultimate goals in life are the same. As long as we stay on the same page the details that help us reach those goals don’t really matter.

Entry filed under: making money, save money. Tags: .

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9 Comments Add your own

  • 1. halfdozendaily  |  March 18, 2010 at 3:57 AM

    There would never be 20 coupons here to use… lol! Or I would! Hubby grumbles about using coupons but always does and he always seems to find awesome deals too!! I think he'd rather work less, and use those coupons I pass on over to him! lol!!

    Reply
  • 2. graduatedlearning  |  March 18, 2010 at 5:37 AM

    I find it easier to save money than to earn more. Even though I'm salaried, I have the option to work overtime (at the same rate as regular hours). But I'd rather just cheap out on things at the store, or avoid things I don't need. I'm not really a coupon clipper, though I do look for sales at the store, and bring in the coupons they print out at the register for the next shopping trip.
    So, saving money by just not buying certain things ends up going pretty well for me.

    Reply
  • 3. Heather  |  March 18, 2010 at 11:07 AM

    I look for sales at the store, but do not clip coupons. We eat next to no processed foods, so coupons usually don't help us. If I want to save money, I go to the farmer's market for the best prices on produce.

    Reply
  • 4. me in millions  |  March 18, 2010 at 1:58 PM

    I do a mixture of both. I think it's probably better to make more money (or MMM as I like to call it), but I think it's the harder option.

    Reply
  • 5. One Frugal Girl  |  March 19, 2010 at 1:58 AM

    @halfdozendaily – Hmm. A husband that likes to clip coupons. I like the sound of that :-)

    @graduatedlearning – I agree that it's easier to avoid shopping and buying non-necessities than working more hours. Even if I could work more hours I would probably still gravitate to saving rather than earning more.

    @heather – I find lots of coupons these days for organic products like milk, meat and cheese. I'm not a big fan of processed foods either and I still manage to clip quite a few coupons.

    @me in millions – Earning more is definitely a harder. It can also be a lot more time consuming.

    Reply
  • 6. Keith Morris  |  March 19, 2010 at 2:54 AM

    I never seem to be able to find coupons for the products that I actually want to buy. Am I really saving money if I buy something that I wouldn't have bought without the coupon?

    Also, I'm not entirely sure of the best place to look for coupons.

    Reply
  • 7. Abigail  |  March 19, 2010 at 12:28 PM

    I have health issues that mean I can't work more. I do a little bit of mystery shopping on the side, but it's usually more to get us experiences cheaply. For example, we went to some family fun centers. Another time, we got to stay in a hotel. It's good to get some free/cheap meals, too.

    I clip coupons, though my husband, like yours, abhors the whole process. He is always impressed with the savings, but I try to come to the grocery store prepared to save us time.

    Inevitably, though, every third or fourth grocery store visit, something doesn't go right and we have to stand around waiting for a manager. At that point, he gets fed up and goes outside to roam around. I grab him up when I'm done.

    It's a system that more or less works for us, even if it's weird.

    Reply
  • 8. Mrs. Accountability  |  March 20, 2010 at 1:54 AM

    I used coupons faithfully many years ago when my children were younger. Nowadays my husband does 95% of the grocery shopping and he will use some coupons but he mostly focuses on buying items on sale. Also we don't use many convenience foods or typical sundry products so we stopped buying a paper since we were rarely using coupons. I guess when it comes specifically to clipping coupons, I'd rather try to earn more money.

    Reply
  • 9. D  |  March 22, 2010 at 5:29 PM

    I clip coupons too and do pretty well with sales, double coupons, etc. When you figure in taxes on extra earnings I think I make out better by clipping plus it is a game to me. Love your blog BTW.

    Reply

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