November 2011 Joshmamabear

[bugface711]

Community Spotlight

Our Member of the Month for November 2011 is Joshmamabear!

Joshmamabear has been a member of HotCouponWorld since May 3 2007.


She is a longtime trader on our site with 323 trades all with positive feedback. She also helps keep us informed of bad traders active on the internet in other areas so we can head them off before thay land here

If you are not a trading member, but you visit our store forums or chat forums then I am sure you know Mimi. She is always willing and able to share her great knowledge of couponing and store policies with fellow members.
Nrpeace17 shared some great words about JMB and I know I cannot possbly say it better."She is a good representation of the savvy couponer who strives to get the best deals by being smart and honest, which is what HCW is all about".

Here is a little bit more about our member of the month

Name

Mimi

Age

50

Home State

AR

Marital Status

Happily married :-)

Kids

2

Pets

2 horses

Little Known Factoid

I've always adhered to fly under radar principle when it comes to using coupons. This has worked for me over the years to catch some of the best deals.

Favorite Money Saving Tip

Pay all bills on time using credit card and get cash back without paying any interest/penalties. Doing so has given me high FICO score that gives me the best rates/deals on demand.

Budget

Variable

Stores I shop

WAG

WM
Harps/Price Cutter
Target

Coupon Organization Method

Cut and clip when I need them. I'm at ease with the envelope system since it keeps me focused on my list of MUST buy.

Best Advice to Newbies

Set a budget for your shopping with coupons especially when you're eyeing on freebies. Know that with advertised freebies at drugstores, you have to pay "real" money first in exchange for the mfr coupon you earn that can be used on a future transaction. If you lose those pieces of paper money, there goes your savings. It is best to make a list of MUST BUY and MIGHT BUY items. Only after you've bought the must buy items should you think of buying the might buy items on the list. This will help to keep you from overspending.

[bugface711]

bumping up for going live

[amylynne01]

Congrats JMB!!

[cybilx10]

Congratulations...

[Jen1]

[cheynesnana]

Woo Hoo!! Congrats!!!