Paper coupons are incredibly simple to use: Cut them from the newspaper inserts or print them from the internet, cut them out, and then head to the store to redeem them at the checkout. And surprisingly, electronic load-to-card or load-to-account coupons are nearly as easy to use.

Your store’s e-coupons might be accessible with a store loyalty card, or the store might utilize your phone number to create an account. Either way, once you have an account, you’ll use the store’s website or app to browse, select and load the e-coupons you would like to use. Then, when you’re in the checkout lane, scan your store’s loyalty card or enter your phone number into the keypad at the register, and the offers you’ve selected will be applied to the corresponding items you’ve purchased.

That said, my readers have questions about some of the specifics of using electronic coupons versus paper, which I’m happy to answer:

Jill Cataldo, a coupon workshop instructor, writer and mother of three, never passes up a good deal. Learn more about Super-Couponing at her website, Email your own couponing victories and questions to

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