Welcome to Southern Savers, where finding deals and steals is simple and rewarding!

See I told you, this would help!

Coupon Abbreviations
  • SC = Store Coupon
  • MC = Manufacturer Coupon
  • SS = Smart Source
  • RP = Red Plum
  • PG = Proctor and Gamble
Coupon Terms
  • WYB = When You Buy
  • B1G1 = Buy One Get One Free
  • .75/1 = 75 cents off one item
  • .75/3 = 75 cents off three items
  • EXP = Expiration Date

Going Nuts? I can help you understand coupon terms and abbreviations

Here's a Restoration Hardware Industrial Cage Filament Pendant Light Look Alike for over $100 off.

I looked all over the internet to find an inexpensive version of the Restoration Hardware Industrial Cage Filament Pendant Light.  It shouldn’t be that hard, right?  It’s just wire over a pendant light.  I almost resorted to a DIY with an inexpensive cage that you can just pop onto a pendant light kit.  Silly me, I should have checked Amazon first!

Frugal:

Amazon Globe Electric Caged Pendant Light Fixtures ($17.99 Shipped)

Expensive:

Restoration Hardware Industrial Cage Filament Pendant ($136 Shipped)

See more frugal look alikes.

savings account

You may have learned this about me by now, but I’m a math nerd.  It’s my father’s fault, he could whip out a calculator and figure out compound interest on anything in less than a minute.  Now years later, I love the hunt of finding the top earning bank account or even helping a friend with their taxes.

For our family we have a habit of reassessing savings accounts yearly (as well as bills like insurance, phone etc.)  I’m not up for moving checking accounts and the pain of changing direct deposits, but I’ll gladly move savings accounts to make sure we are getting the best interest and options available.

Since 2008, bank savings accounts are basically just as good as burying money in the back yard, so finding anything with a decent interest rate can be tricky.  You also need to be willing to look online!  To help with confusion I’m going to go through a few different ways to save money and explain what they are and some key points to remember with them.  Then we’ll discuss who has the best rates and deals.

Savings Accounts

This is the tried and true account with your local bank.  Remember the one your grandma opened for you when you were 5?  Yeah, it’s just about as boring as it was then.  Most local savings accounts are currently earning between .01 and .03% APY.  Ummm… APY means Annual Percentage Yield, that means for the entire year!  So if you put $1,000 in an account at the end of the year you’d earn a big fat 30¢.  Seriously, go get the shovel and save the trip to the bank.

In terms of accounts this is easiest to get to, which can be good and bad.  Since our goal is to save money, I’d prefer a bit of distance between me and the cash and not the ability to automatically move it back into my checking account in a split second.

CDs

Another account that I remember every grandparent having was a CD (Certificate of Deposit).  These are just like a savings account; however, you can’t remove the money in it until a set amount of time.  The longer the amount of time you pick when you set up the account (3 months, 6 months, 1 year, 3 year etc.) the higher the interest rate.  They are basically rewarding you for giving them cash that you are promising not to come back and ask for.  If you need to withdraw funds early, you will owe fees that could end up wiping out any additional earnings you had from the interest rate.

Current rates for CD’s are (most of these are with online banks):

3 month – .3 to .4%
6 month – .5 to .7%
1 year – 1.05 to 1.15%  = $11.50 a year on $1000
3 year – 1.1 to 1.3%

While you are earning a ton more than a Savings Account would, this still isn’t my favorite.  I don’t know that the car won’t need serious work or that another unexpected bill won’t pop up over the next year.  I’d like a happy medium. I want better interest rate but still have access without fines.

Money Markets

Now we enter the happy medium.  Money Market accounts make you think they are something special for people that have lots of money and want to play the stock market… they aren’t though.  They are really savings accounts so don’t run away from them.  You can withdraw funds at any time with no fees.  The only thing to watch for is if the account has a minimum balance.  The best rates for Money Markets are definitely online.

Current rates for Money Markets – .9 to 1.1%

We have two of these accounts and use one as an emergency fund and the other as the escrow account for yearly bills (property taxes, insurance etc.).  Personally, I love that the rates are equal to a 1 year CD without the time commitment.  Everbank currently has the top rate if you open an account with $1,000.  For accounts with no minimum, Capital One 360 is offering .75% and a $25 bonus when you open.

Roth or Traditional IRA

IRA’s aren’t traditional savings account, and you can’t get the money out easily, but they are good for saving for college or your first home.  You can withdraw funds for higher education and a first home without paying the 10% early withdrawal fee.  These are subject to yearly contribution limits, but for most families $5,500 a year is already a bit steep to invest.

If you go this route, please don’t get an IRA CD.  You might as well have gotten a plain old CD that you get back in a year.  The real savings is to put these into mutual funds.  This is for long term growth and not immediate, so you will have days that the markets do poorly.  To give you a real example, my Roth IRA earned 6.18% last year and has earned 16.3% over the last three years.  Your CD and savings accounts can’t touch that.  If you are hoping to buy your first house in the next 5 years this is a great way to build your nest egg!

To maximize your savings pick a broad mutual fund that includes stocks that are domestic, overseas and small and large cap.  You may have no clue what that means, in general just look under “Target Date Funds” at most investing companies.  There are a number of great online companies, Scottrade.com and E*Trade are some of the top.

I hope that all of this didn’t make your head spin.  The big thing is to start saving.  Whether you grab the shovel and bury it or you take a little advice and open a money market, just start putting money away.  Having an emergency fund is the best way to keep your finances stable even when the rest of your life doesn’t seem to be!

By the way if you need a shovel, here’s one that is 55% off on Amazon.

Coupon Insert Variations 1/25

on 1.28.2015 at 5:36pm
Jenny 0 Comments

COUPON INSERT VARIATIONS IMAGE

Did you know that every area and paper get different coupons?

This is one of the biggest things that can frustrate couponers… we all want the great coupon and only a few select areas got it. Each week volunteers send in their insert lists so to show exactly what came in your area. I take these and put them into the coupon database. In turn you can then have shopping lists that only show the coupons in your area!! Take a look at this week’s coupon insert variations from 1/25.

Click on your newspaper to see which coupons you actually received.

If you’re paper is not covered and you’re interested in helping, feel free to email me at jenny@southernsavers.com for directions. I promise it’s easy!

As folks send me the lists I will update this page.

A legend for the list:
Black = You got this coupon!
Red = Not in this insert
Blue = A change in value or a new coupon not in the preview.

Alabama
Birmingham News (thanks Stephanie & Susan!)
Huntsville Times (thanks Chloe!)
Montgomery Advertiser (thanks Mary!)

Florida
Florida Times Union (thanks Joanna!)
Fort Lauderdale Sun Sentinel (thanks Alysha!)
Fort Myers News Press
Gainesville Sun (thanks Midori!)
Lakeland Ledger (thanks April!)
Miami Herald
Orlando Sentinel (thanks Naomi!)
Pensacola News Journal (thanks Bridget!)
Tampa Bay Times (thanks Kathy!)

Georgia
Atlanta Journal-Constitution (thanks Danielle!)
Augusta Chronicle (thanks Melissa!)
Macon Telegraph (thanks Christa!)
Savannah Morning News (thanks Michelle!) Read More→

gerber coupon

If you are looking for a good deal on formula, then head to Target this week and get Gerber formula for $17.15 each after coupon and gift card. This is a great price is you are using formula since they regularly cost $23.49.

Note: You will need to have two computers to print (3) coupons for this deal.

Gerber Coupon:

-$3 off Gerber Good Start Soothe, 22 oz+ printable

Target Deal:

Buy:
(3) Gerber Good Start Soothe Formula, $23.49
Use:
(3) -$3 off Gerber Good Start Soothe, 22 oz+ printable
Total Due: $61.47
Get Back: $10 Target Gift Card

Like getting it all for $51.47 or $17.15 each!

This deal is valid through 1/31.

More great deals:

free cerealstylers

Sunday Coupon Insert Preview 2/1

on 1.28.2015 at 4:36pm
Jenny 0 Comments

sunday insert preview

Find the Sunday coupon insert preview 2/1 below. This weekend you will have (2) coupon inserts in your newspaper! Be on the lookout for:

(1) RedPlum
(1) Smart Source

Remember there are differences between every city and the coupons you get will vary somewhat. Check back next Wednesday to get the exact list of what came out in your area.

Look at the insert schedule for 2015 if you are curious what is coming in the future.

Click below to see all the coupons: Read More→

movie deals amazon

There are some really good movie deals on Amazon where you can find movies for as low as $2.99! Whether you’re looking for family movies, comedies, or action, there’s a movie in this list for you.

You can also get similar movie deals at Best Buy and you might be able to get FREE in-store pickup with select DVDs.

Deal Ideas:

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Alvin and the Chipmunks: Chipwrecked $2.99 (reg. $29.98)

91CnFI7lxSL._SL1500_

Life of Pi $2.99 (reg. 19.98)

91lIpLOgLeL._SL1500_

Rio $2.99 (reg. $29.98)

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Taken 2 $2.99 (reg. $14.98)

Note: Prices on Amazon may change at any time. Read More→

farm rich

If you enjoy Farm Rich products, then don’t miss out on a deal at Publix this week. The frozen snacks will be B1G1 plus there is a $1.10 off coupon that you will want to make sure and print.

If you got the $1.50 Farm Rich coupon from the 1/11 Smart Source, this can make for an even better deal! Go ahead and stock up on these snacks for as low as $1.99.

Farm Rich Coupon:

-$1.10 off Farm Rich snack, 16 oz+ printable

Publix Deal:

Buy:
(2) Farm Rich Frozen Snacks, 16 to 24 oz, B1G1 at $6.99
Use:
(2) -$1.10 off Farm Rich snack, 16 oz+ printable
or (2) -$1.50 off Farm Rich snack, 16 oz +, SS 1/11
makes it as low as $1.99 each

Print these coupons, too:

free cerealpizza deal

Printable Shopping List

best deals on paper goods 2

Check out this week’s best deals on paper goods where you’ll find deals like 39¢ paper towels and facial tissue under $1!

Can’t find what you’re looking for? Use the Item Search!

Bath Tissue

  • Bi-Lo – Angel Soft Bath Tissue, 16 Double Rolls, $6
    Get 10¢ fuelperks wyb 2
    Manufacturer Coupon -.25/1 Angel Soft bath tissue printable
    Manufacturer Coupon -.55/1 Angel Soft bath tissue, 4 double roll+ (Facebook) printable
    Manufacturer Coupon -.50/2 Angel Soft facial tissue printable
    Manufacturer Coupon -.45/1 Angel Soft bath tissue, RP 1/04
    Manufacturer Coupon -$1 off Angel Soft Fresh Lavender scent item, 12 roll + pkg, RP 1/04
    Manufacturer Coupon -$1/2 Angel Soft Fresh Lavender scent item, 12 roll + pkg, RP 1/04
    Manufacturer Coupon -$1/2 Angel Soft bath tissue, RP 1/04
    (use .55/1, makes it $4.90)
  • Bi-Lo – Quilted Northern Bath Tissue, 12 Rolls, $6
    Get 10¢ fuelperks wyb 2
    Manufacturer Coupon -.45/1 Quilted Northern Ultra Soft & Strong bath tissue printable
    Manufacturer Coupon -.45/1 Quilted Northern Ultra Plush bath tissue printable
    Manufacturer Coupon -$1 off Quilted Northern Ultra Plush, 12 double roll+, sign pledge printable
    Manufacturer Coupon -.45/1 Quilted Northern bath tissue, 12 double roll +, RP 1/04
    Manufacturer Coupon -.25/1 Quilted Northern bath tissue, 4 double roll +, RP 1/04
    Manufacturer Coupon -$1/2 Quilted Northern bath tissue, 4 double roll +, RP 1/04
    Manufacturer Coupon -$1/2 Quilted Northern bath tissue, 12 double roll +, RP 1/04
    Manufacturer Coupon -.55/1 Quilted Northern Ultra Plush bath tissue, 12 roll +, RP 1/25
    Manufacturer Coupon -.55/1 Quilted Northern Ultra Soft & Strong, 12 roll +, RP 1/25
    (use .55/1, makes it $4.90)
  • CVS – $1 ECB wyb (1) participating Procter & Gamble product – Charmin Bath Tissue, 4 pk., $3.49
    Manufacturer Coupon -.25/1 Charmin product, excl trial size, PG 12/28
    Manufacturer Coupon -.75/2 Charmin (1) Charmin product AND (1) Bounty product, excl single rolls and trial size, PG 1/25
    Manufacturer Coupon -.25/1 Charmin or Bounty product, excl single rolls and trial size, PG 1/25
    Manufacturer Coupon -$1.50/3 Charmin or Bounty product, excl single rolls and trial size, PG 1/25
    (use $1.50/3, makes it $1.99 ea.)
  • Dollar General – Charmin Bath Tissue, 9 Mega Rolls, $9.95
    Manufacturer Coupon -.25/1 Charmin product, excl trial size, PG 12/28 (exp 01/31)
    Manufacturer Coupon -.25/1 Charmin or Bounty product, excl single rolls and trial size, PG 1/25
    Manufacturer Coupon -$1.50/3 Charmin or Bounty product, excl single rolls and trial size, PG 1/25
    (makes it $9.70)
  • Food City – Angel Soft Bath Tissue, 12 Dbl Rolls or 24 Single Rolls, $5.99
  • Food City – Fiora Bath Tissue, 12 Roll, $3.99 wyb 2+
  • Harris Teeter – Charmin Bath Tissue, 6 Mega Rolls, $5.99
    Manufacturer Coupon -.25/1 Charmin product, excl trial size, PG 12/28 (exp 01/31)
    Manufacturer Coupon -.25/1 Charmin or Bounty product, excl single rolls and trial size, PG 1/25
    Manufacturer Coupon -$1.50/3 Charmin or Bounty product, excl single rolls and trial size, PG 1/25
    (use .25/1, makes it $5.49) Read More→

fisher price storeIf you’re looking for some great toy deals, be sure to check out the sale at Fisher-Price. They have discounted toys and baby items from as low as $2.99 plus you can use code JANSHIP to get FREE Shipping today!

This deal is today only, so go ahead and browse all the popular toys they have to offer. These could make great additions to the toy closet, too.

Deal Ideas:

wheelies

Little People Wheelies Disney’s 101 Dalmations $2.99 (reg. $4.50)

aptivity

Laugh & Learn Apptivity Case $6.99 (reg. $15)

rockin tunes

Rockin’ Tunes Giraffe $31.99 (reg. $40)

Offer valid 1/28 only. Shipping is FREE.

See more online shopping.

Grocery Deals

New Coupons

Retail Deals

Frugal Living

Freebies

Couponing 101