If you have a credit card that's offering cash back or bonus points on groceries and other purchases, you could be getting instant savings at checkout. Just be sure that you're able to pay your card off in full when the monthly bill arrives. Rewards credit cards are great, but building up debt is dangerous if you are unable to pay the full bill. The interest you will be charged could erase any savings.
Coupon savings can really add up, so clip and use coupons for name-brand items. Here are a few tips:
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