: Discounts offered by the retailer (e.g., $5.00 off a $25.00 grocery purchase).

The most effective way to begin is by downloading the mobile applications for the stores you visit most often. Many modern retailers offer exclusive app-only coupons and rewards programs that track your savings automatically.

The "holy grail" of couponing is stacking, which involves combining multiple types of discounts on a single item. For example: