Is it worth it to clip coupons and shop sales?
My grandmother was a master at coupons and saved a fortune. I see those people who get hundreds of dollars of groceries for almost nothing. Is couponing worth the time and effort? Or do you end up buying stuff you don't need just because it's on sale? Where do I even start if I want to save money on groceries?
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3 Answers
Get a free copy of your credit report once a year from annualcreditreport.com — the real free one, not those 'free' sites with monthly fees. Check it for errors. Mistakes on credit reports are way more common than people realize.
Taxes are the part everyone forgets about. Whatever you're planning, factor in what you'll owe Uncle Sam. Talk to an accountant — a good one saves you more than they charge. H&R Block is fine for simple stuff but get a real CPA if it's complicated.
I'd talk to a few different banks and credit unions, not just the first one. Rates and fees vary a lot. Credit unions especially tend to have better rates than big banks because they're nonprofit and member-owned. Always shop around.
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