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Are Coupons Really Worth It???

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Many people say that it takes more time to clip coupons than it is worth. Save a nickel here and a dollar there, “How can that be worth it?” I read an article yesterday that was very enlightening. “The average savings per coupon is $1.44. Saving $1.44 for a minute’s effort is equivalent of saving $14.40 for 10 minutes. This is an hourly rate of $86.40.” How much is your time worth? My time is definitely worth $86 an hour.

 

The article went on to point out that couponing saves with an additional benefit. “Unlike money you earn at work, it is tax free. No payroll taxes. No federal state or income tax. If your marginal tax rate were, say, 20 percent, you would have to earn $108 before tax to take home $86.40. If your marginal tax rate were 30 percent, you’d have to earn $123.”

 

 

I hope this encourages you to keep clipping those coupons. Keep up the good work of turning those nickels and dimes into $20 and $100. If you haven’t joined in, pick up those scissors and get started. What are you waiting for?

 

I’ve shared that we are putting the extra money we have saved from coupons towards paying off our house early. What do you do with your coupon savings?

 

Go here to read the full article I referred to.

 

Thrifty T

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