It could NOT get more on topic for us.  Starting this week money experts Jean Chatzky, David Bach and Glinda Bridgforth join up on Oprah to cover three families’ to challenge to get out of debt.  This is gonig to be a five part series outlining a step by step plan for getting out of debt.

This is an audience participation show.  Viewers are encouraged to down load the step by step plan and start working on their own finances.

I highly recommend this show to all my readers who are struggling under the burden of debt!

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I recently came across this anonymous article and was impressed enough to want to include it here.  Although I know there are many circumstances that our beyond our control and that many people have been doing everything right and are still facing financial challenges, there is also much truth in the statement below and often our crisis is a direct result of our own actions.  Whatever the cause, the remedy or solution has to start with us.  We can not continue to go in the same direction and expect to end up with a different destination.  We must make changes in our lifestyle if we expect things to change.  A popular prayer ask:

Lord give me the serenity to accept the things I can not change

The courage to change the things I can, and

The wisdom to know the difference.

Accepting Responsibility

I make myself responsible for this mess, anybody care to join me. the bail out is not coming from government but the smart consumer, if we saved money and invested not on hype but on proven industry we would weather the storm, is not only the rich that weather it, the ones who shopped smartly lived frugal and saved money even when it wasn’t chic to do so are the ones that can live good. Right now the only people dividing this country is ourselves. If we didn’t live a high lifestyle and spend more than we have, we wouldn’t have started this chain reaction. Its not the bank’s fault only, its not government’s fault or one party they both supported the bail out. Its our own fault for not planning for our future well and not being the change we want to see. If you want a better country, spend wisely, dig out of the hole and stop waiting for someone else to help you. The first step is self accountability which is lacking in this society. Once we make ourself accountable and work together with out neighbor we can change the tide of thinking of this nation and pull ourselves out of this recession  just as our grand parents did the Great Depression.

Anybody care to join me is admitting fault in this mess?

That said, now is the time to take a serious look at ourselves and decide what WE can do to make things change.

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If you are like many of us these days you are concerned with saving money. Learning how to shop for sales, using coupons and taking advantage of all of the savings that are possible is definitely worth your time in these uncertain economic times.

We all shop for food and groceries, including personal products like shampoo and soap and cleaning products like laundry detergent and dishwashing liquid. It is easy to find coupons for many of these items and learning how to use them best to capitalize on the savings is to your benefit.

One key is taking the rules and breaking them. Not without permission of course, but if you don’t ask the question you’ll never know and if you do ask the question you might end up happily surprised and the worst that can happen is they say “no”. Here are a few useful questions that you can ask the managers where you shop that may end up saving you quite a bit of money.

Ask if the store offers its own coupons. You can check the stores website but if by chance the store does not have a website you can always ask the manager when you get there. If they do have them they will be happy to give them to you if you ask and if they don’t have them you just gave them a great idea to bring in business.

Ask if you can use the coupons on sale or clearance items. Many times a store will not let you use coupons on sale items and it will be spelled right out on the coupon but occasionally you will find a store that will allow you to use a coupon on sale priced items and that will save you a bundle.

Ask if they will accept competitor’s coupons. Many stores offer a price guarantee that says if you find a competitors ad with a lower price they will honor the lower price but few people actually ask if they will take the other stores coupons and usually they will say yes as it is in their best interest to do so.

Ask if you can use multiple coupons or if you can combine manufacturers coupons with the store coupons. Many times they will allow you to combine coupons and when you do you double up your savings. You can also ask if they will accept expired coupons. They may say “no” but they may say “yes” and you never know until you ask.

When it comes to saving money for your family you need to pull out all the stops. See what kind of deals you can work out with the stores and take advantage of every bit of savings that you can.

Karen Lynch is a freelance writer who is passionate about saving money for her family. She uses Grocery Coupons, sales and rebates to maximize her savings. She shares her tips and techniques for the family budget.

Article Source: http://EzineArticles.com/?expert=Karen_Lynch
http://EzineArticles.com/?Want-to-Save-More-With-Grocery-Coupons?-Ask-the-Right-Questions&id=2337220

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