Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

What to Know About Extreme Couponing

Written by Equifax Reporter on April 8, 2016 in Family Money  |   No comments

Whether you’ve never actually used a coupon or you clip them weekly, at some point, you might have wondered: Does extreme couponing really work? Before you know if it works, you’ll want to understand how extreme couponing works. Extreme couponing is a concept that combines…

ExtremeCouponingWhether you’ve never actually used a coupon or you clip them weekly, at some point, you might have wondered: Does extreme couponing really work?

Before you know if it works, you’ll want to understand how extreme couponing works. Extreme couponing is a concept that combines coupon cutting with grocery shopping in an attempt to save as much money as possible while accumulating the most groceries.

Buying groceries at an incredible discount usually takes significant effort, but an important factor to consider is whether it will work for you and your lifestyle. After all, the goal with all this couponing is to save money, but if you spend all of your free time preparing to do so, the benefits might not be apparent—or attractive.

Here are some details to consider before you decide to explore extreme couponing.

Discounts at any cost

Extreme couponing is much more than just getting a two-for-one deal on potato chips at the store, and it certainly isn’t all about savings. Much of this activity is devoted to planning and strategizing—so much so that it is frequently referred to as a part-time job. While the websites dedicated to couponing make it somewhat easier to find specific deals, a tremendous time commitment is still needed to save the money that extreme couponing may offer.

To fully commit and get the maximum benefits that some people achieve from extreme couponing, you may have to visit several different grocery stores each week, stock up on goods you don’t necessarily need at the moment, and find room to store everything you buy. For example, if one store is having a sale on paper towels but another is having a great sale on canned vegetables, you’ll need to visit both and, for maximum savings, purchase plenty of cans and towels.

Maybe buying 100 rolls of paper towels sounds excessive, but if you’ll go through them eventually, then stocking up now could save you money in the long run. This is the idea behind extreme couponing: buying as much as you can with the least amount of money, whether it means doubling up on coupons or receiving store credit to use in the future. But while these techniques may actually get you items for free, unfortunately, they may also encourage habits you don’t need.

Your life as an extreme couponer

Shaving hundreds of dollars from your grocery bill might sound nice, but stuffing your pantry full of canned tomatoes or digging through dumpsters for coupons might be a big drawback.

Some former extreme couponers have since given up the lifestyle and claim it was hardly ever worth it at the time. The hours they spent finding and organizing coupons, forming a plan for how to most efficiently use them, and flooding their homes with items that take months to use up became a burden, especially when the couponers could have spent that same time working and earning more money.

You’ll have to consider whether you have the time to dedicate to extreme couponing and whether this is the best way to spend that time. For those people who have plenty of free time, the challenge of extreme couponing might be an appropriate life choice.

Consider the alternatives

The primary goal of extreme couponing is to cut your food bill, but there are other ways to achieve the same result. If you haven’t already, eliminating dining out can save you plenty, as can learning how to cook, knowing where to find recipes, and figuring out how to stretch a pantry full of essentials into an endless variety of meals.

After all, budgeting typically requires you to save in a variety of different ways. If dedicating your week to clipping and redeeming coupons from the newspaper doesn’t sound appealing, you may be better off trying some other strategies to save.

Related Articles
How I Save Money by Comparison Shopping for Groceries
Frugal Living for Real Life: Lessons From Personal Finance Blogs
The Real Value of $100 in Your City

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.

No comments yet

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.