Coupon Clipping for the 21st Century

We've all been stuck in the grocery store checkout line behind the little old lady with a million coupons. Don't be one of those ladies (or gentlemen). Most grocery store coupons are for junk food, aren't that great of a deal, or expire before you remember to use them. Unless you have the time to commit to using coupons, it most likely won't be worth your time or money.

Here's a better idea: Pick your ten favorite stores--clothing, sporting goods, restaurants, furniture, whatever, and sign up for their online coupons. Most national chain stores offer serious discounts every few weeks, including free shipping, buy one get one free, etc.

Yes, you'll get a ton of emails in your inbox, but here's an easy tip: Either set up a separate email address for these offers or set up your email to filter those particular emails into a separate folder, bypassing your inbox. That way, you'll have the coupons when you need them, but won't be tempted to buy things you wouldn't buy otherwise.

Bottom Line: 30% off DSW, 40% off one item at Michaels, free shipping at Banana Republic, and more, all in one week.