Yesterday my daughter and I started celebrating our Mother’s Day weekend!  We went to a Mother and Daughter dinner at a neighborhood church.  It was so much fun for both my daughter and me! 

The dinner menu consisting of Roasted Turkey and Dressing, Mashed Potatoes, Mac & Cheese, Roasted Corn, Veggie Medley Salad, Cranberry Relish, Bread and Butter, and for dessert, Bread & Butter Pudding with Mixed Berries & Vanilla Sauce, Brownies and lots to drink!  The chef’s were ladies of the church but the men served us!  That was nice!

We also had entertainment too, Colors the Clown and her Unusual Pets!  She was so cute and she really entertained the adults and the children!  The most “unusual” pet was her chihuahua in a baby doll stroller!  The dog was a hit with the kids and their were two sisters age 12 mos. and 3 years old that was fighting over the dog stroller!  In addition to the chihuahua, she had a rabbit, 2 birds, chinchilla and a ferrett!

Each adult had a chance to win the 2 flower pots that were on our tables and they had more that they raffled off and also, each girl got a gift, that was so nice!  

I really enjoyed myself and I know my daughter did too!   This is what being a MillionHeir Mom is all about…family, friends, good food and lots of fun!  Even though I was tired from working my 9 to 5, I found the energy to spend family time with my daughter!  It is still my goal to transition from employee to full-time entrepreneur!  I coming soon than I know!  Happy Mother’s Day!

Guess what?  Today I took my 1st Zumba class!  It was so much fun and it was kinda hard too!  But I liked it and I hung in their with it!  My daughter and I went together and I plan on going next week too!  Some of the steps were familiar, like the Cha Cha we used to do in the L.A. Clubs way back when!  The instructor kept saying to me “very good girl”!  She also came over to me and said, ”you got the rhythm, I bet you like to dance huh?”  I used to love to dance and at one point in my life I went out dancing every night of the week, really , I did!

The instructor said you can burn about 800 calories if you Zumba for 60 mins. without taking a break.  It’ll take me at least 4 classes before I can go 1 hour without taking a break!  But in the mean time, I’m going to take some Motrin because every bone in my body aches!  I’m planning on going to the next class which is next Wednesday so I’ll give you an update then!  So have a good night and adios amigos!

 If you have any Zumba class stories pleas comment on this post or e-mail me at millionheirmom@yahoo.com.

Yesterday was a great day in my neighborhood!  I had a great day off from the 9-5!  I slept in(I usually wake up at 5AM but I woke up at 8AM and that was after being up until 4:30AM).  It was a very busy day but very very enjoyable!  The day was full of doctors appointments, cleaning, cooking and fussing at kids, helping them with school projects and taking them to chorus rehearsals.

On a business note, I got a chance to take care of some business banking, I wrote a chapter of a book that I’m writing, created a flyer for an event that I’m having, and wrote out some business goals for the next two weeks.  Even though I was busy busy busy, it was lovely!  And I absolutely did not think about the 9-5……at all!  This the life man!  This is just want I want to be doing with my time!  Making time for family and business!  I could get used to this life!   

Also, today would have been my Mother’s birthday!  Doesn’t seem like she’s been gone that long!  It feel it was only yesterday that she left me!

You can contact me by e-mail at millionheirmom@yahoo.com!

Yesterday was a great day  for the MillionHeir Mom brand!  I went my local library, on whim, and sold one of the books that I am a contributing author in, The GlamourLess Side of Entrepreneurship, What they DIDN’T Tell You About Being A Women In Business!  Whoo Hoo!  I am a salesperson!  You MUST be ready to sell your products or services at any given time!  And for those of you who say that you can’t or don’t like to sell products, even if you have a service, you still are selling just that, YOUR service. 

That’s exactly what I did yesterday!  I went to my local library, and I convinced the librarian that my book would be a great asset to the business section of their library!  Another thing that helped me is that I am a local resident in the same town as the library is in!  And guess what?  While I was SELLING my book to the librarian, one of the patrons in the library, who is an entrepreneur, inquired about my book and purchased one also!  So a big shout out and thanks to Marchelle!  

One of the characteristics of an entrepreneur is confidence in yourself and your products and services and a little faith in a Higher Power!  It is a great feeling of making even the smallest steps towards the transition from employee to full-time entrepreneur!  Baby steps, small pieces of the pie, one day at a time, is all you need to accomplish on a consistent basis!  We can do this…together we can!

On another note, 10% of the profits of this book will be donated to The Cheryl and Christine Smith Foundation for education.

If you or any other entrepreneur would like to obtain a copy of the book, The GlamourLESS Side Of Entrepreneurship, What they DIDN’T Tell You About Being A Woman In Business, please contact me at millionheirmom@yahoo.com or http://www.facebook.com/victorious.cheryl or on Twitter @millionheirmom1.

Here it is!  The book you’ve all been waiting for……….

The GlamourLESS Side of Entrepreneurship, What They DIDN’T Tell You About Being a WOMEN in Business! 

This is a GREAT book!  Not just because it features me but because it is truly inspirational!  Twenty Five women with 25 different reasons why they have or are currently transitioning from employee to entrepreneur! 

I have learned something from each woman’s story and can relate to some if not all of their trials, tribulations, and struggles, both directly and indirectly.

GlamourLESS is a book that gives you the TRUTH about what it takes to be come and stay an entrepreneur.  The editor of GlamourLESS,  Cheryl Wood is the founder of Women Entrepreneurs Partnering for Profit and Cheryl Wood Empowers is an award winning author, speaker, and coach has won many awards and accolades and is an entreneurial force to be reckoned with.  I am tryly blessed to be affiliated with Cheryl Wood and so hppy to be apart of this project!

Also, this is another stream of income for me as an entrepreneur, which you can purchase directly from me!  Working on this project has motivated me to finish up a children’s book that I have started and hopefully will finish by years end!

Again, I am so happy and proud to be a part of this project!  It really keeps me motivated and encourgaged to continue to keep my dream alive of helping others and myself to transition from Employee to fulltime Entrepreneur!

If you would like to purchase the book, please send me an e-mail at millionheirmom@yahoo.com or reply to this post or connect with me on Twitter #millionheirmom1 or contact me on Face Book at Victorious Cheryl.

Happy Reading!

You ask “What’s in a Name”?  Well, when it come to naming your business, it could either draw your potential clients in or send them running…..into the doors of another business!

I wanted to share with MY 5 tips for naming your business that I share with consulting clients that come to me, whether I am helping them with a business concept or with taking a current business to the next level.

TIP #1

Relate the name of your business to what it is that you actually do, especially if you are just starting out in business.

What I mean is, if you make gift baskets, then include that in your business name.  For an example,  the name “Gift Baskets R Us” let’s a potential client know that you sell  GIFT BASKETS instead of Bonnie’s Baskets!  With a name like “Bonnie’s Baskets” a could be mistaken as a person who makes or weaves baskets.  Now, I will say that with a name like “Bonnie’s Baskets”, it may make a customer inquire about what type of baskets you make.  As for me, I want to attract customers that already know what they want.  If you want to include your name in your business make sure you couple your name with what you do…….”Bonnie’s Gift Baskets”!

TIP#2

The A-B-C’s and Yellow Pages!

If you are going to list your business in the Yellow Pages, for an example, think about the customer who’s pipes just broke under the kitchen sink and the sink is over flowing, she’s never had this problem before and her husband is out-of-town, everyone else is at work and or busy and can’t be found.  She urgently goes to closet and pulls out her Yellow Pages and searches desperately to find a plumber and what does she do……..she picks the 1st name and number she sees and calls it!  She calls A-B-C Plumbing instead of Yancey’s Fancy Plumbing because in her urgency to solve her problem she picks the first plumbing business on the page!  So what am I saying, I’m saying that having a unique business name is great but you have to make it work your business on every level and in this case, having a simple name like A-B-C Plumbing is better to have in this situation, having to look in the phone book, than a fancy name like Yancey’s Fancy Plumbing.  I think we have all been in this situation before, I know I have!

TIP#3

Check to make sure no one else has the name that you have chosen for your business.

Check your county in your state for your laws on filing a DBA or “Doing Business” form formerly known as a Fictitious Name Statement form.  The “general” rule used to be, if your name was included in the name of your business you did NOT have to file a DBA form.  Please, please, please check with your local laws on this!  One good reason for filing this form is that you will know if your business name is already being used and also it may prevent someone else from using the same business name as yours!  Also, there usually is a website that they can direct you to search to see if your business name is currently being used.  Sometime you have to pay for this service, depending on the state.  So be prepared to possible have to pay.

TIP#4

If your business and your business name does not exactly “match” then you better be ready to tell what your business  does with a QUICKNESS…i.e. the 60 second elevator pitch!     

Do you know your business inside and out and like the back of you hand?  More importantly, are you able to describe your business and how it will benefit a potential client/customer or solve their problem in 60 seconds or less?  If you can or have mastered this tip it may not matter what the name of your business is!  You may not be in an elevator but you might only have a 60 second chance to seal a “million dollar” deal with a client or customer.  I can tell you what MillionHeir Mom is all about in 60 seconds or less!  Go ahead, ask me!

TIP#5

What do you want your business name to say about you and your business and how does it connect you to your customer or client?

Remember, you want to solve a problem that your potential client or customer has so how will you do that?  How will you display this in your business name? It can be a little tricky but it can be done.  You may have to think of names that expresses quality instead of quantity or slow, kind and gentle instead of quick, fast and in a hurry.  It may be difficult or it may take a little more time to come up with your business name but again, it can be done.

These are just a few of the tips that my help when you are in search of a name for your business.  No matter what you name your business, what’s most important is that you can back up what you promise your customer!

If you have any tips that you would like to share please feel free to leave a comment or email me at millionheirmom@yahoo.com or you can connect with me on Facebook at victoriouscheryl/facebook.com or on Twitter at @millionheirmom1.

Melinda F. Emerson, Small Biz Lady

I am fortunate to be connected to some knowledgeable and incredible women entrepreneurs on Facebook, Twitter and the likes.  One such woman is Melinda F. Emerson, also know as the Small Biz Lady and author of a great business resource book that I have purchased and refer to over and over again called “Become Your Own Boss In 12 Months”.  This is an article she wrote on businesses that you can start for $500 or less on a website called Second Act.

Start a Business for Under $500

By Melinda F. Emerson

Do you like organizing cluttered garages? Do you make mouth-watering cakes? Do you love to make jewelry? Are you good at planning special events? If you’ve been thinking about starting a business as your next career, now could be a great time to turn one of these hobbies into a thriving small business — even on a bare-bones budget.

Starting a business on the side is a smart way to get your feet wet as an entrepreneur. Look first at the services and goods you already provide for free to friends and family. “The best way to start a business for less than $500 is to figure out how to get paid for what you love to do,” says Clyde Anderson, a financial lifestyle coach and CNN contributor in Atlanta. “It’s crucial for anyone who’s looking to start a business to determine what gifts and talents they already have and to convert them into an actual business.”

Here are 7 cool businesses to start on a shoestring.

1. Baker

Cakes and cupcakes are the highlight of any party, and reality foodie shows such as Cupcake Wars have made baking a popular new business idea. Brooklyn blogger and cupcake expert Nichelle Stephens says you can start a cupcake business for $500 or less, as long as you aren’t trying to open a storefront. “You spend more time than money when starting a baking business,” says Stephens, who shares baking and business tips on her blog. “You need to find a neighborhood where there is a limited number of baked goods available and identify your niche.” Once you get your mixer, the next expense is quality baking pans and cooling racks. Use your co-workers as your test market and promote your business in the groups you belong to, especially if you have children. Other parents are a great potential customer base. Keep in mind it’s illegal in most jurisdictions to bake and sell food from your home. Here’s a website where you can research commercial kitchens in your area.

2. Mobile Notary Public

Despite technological advances, documents such as property deeds, wills and loan papers still require an official signature and stamp by a notary. Some banks and real estate agents have a notary license, but the current trend is using notaries who come to your home or business on call. Setting up this kind of business has strict rules: Most states require you to take a course to learn the notary business and pass an exam, and all require a state license. Check with your state for regulations and costs, and visit the National Notary Association for materials and more information. It’s important to put out the word to friends, family and co-workers about your new notary business. Set up a professional website with search engine optimization so that your business can be found locally. “Pick a niche,” says Dany Victory, owner of mobilenotarypublic.com in Southern California. “I specialize in loan documents, and it’s helped me earn referral customers such as realtors and title companies.” As a mobile notary, your costs are low and there are fringe benefits: You can drive around, meet interesting people and charge a premium for providing door-to-door service. “My income is higher because I charge travel fees on top of the standard notary charge of $10 per signature,” says Victory.

3. Personal Trainer

Many people’s New Year’s resolution is to lose weight, and many of these same individuals are looking for professional help to shed those unwanted pounds. If you are a fitness buff or avid runner, you may be able to make a living by teaching others what you’ve learned. You can be a general fitness instructor or specialize in marathon prep, yoga or Zumba. The first step in launching a fitness business is to become certified as a personal trainer. You also may need some basic equipment such as a portable CD player, exercise ball, stair step and mats. To launch your training business, start by telling your own weight loss story. Don’t be afraid to share your before and after pictures on your website and Facebook page. To find clients, try to build relationships at the gym you already attend. Inquire about becoming a trainer on staff to learn the business. Reach out to friends and colleagues who either don’t have time to go to a gym or feel embarrassed in a room full of people running on treadmills. Fitness enthusiast John Leber of Paramus, N.J., became a trainer in retirement. Leber studied, took a workshop and an exam, and within months got his personal trainer certification from the National Academy of Sports Medicine (NASM). “I worked for a large fitness chain gym for 18 months, and it was like your first job out of college, but after I left that company, my old clients started calling me for services,” says Leber, who is 63.” He specializes in working with clients 50+ and with people recovering from injuries. Here’s more on how to become a personal trainer.

4. Personal Organizer

Clutter is stressful for everyone, and you can make a living helping people get their homes, offices and lives in order. Professional organizing is a perfect business for people with a knack for neatness and developing systems. You can charge hourly or set half-day and full-day flat rates for your time. Not all clutter is the same, so it’s a good idea to choose an area of specialization, such as cleaning out garages, helping people plan for moving or downsizing, or assisting professional women with busy lives. Devise a system for how you will approach new client projects. Some organizers interview prospects; others ask for a tour of the space that needs organizing; some just throw everything on the floor and start from there. Philadelphia-based professional organizer Debbie Lillard, author of Absolutely Organized, wanted to work part time after years as a stay-at-home mom. She launched her business by contacting old friends who were stressed by the disorganization in their lives. She created business cards and flyers and distributed them in grocery stores in affluent neighborhoods. “I wrote a sales letter explaining who might need an organizer and sent it to everyone I knew, which landed me my first clients; from there, it was all word-of-mouth referrals,” Lillard says. Within a few months, she also launched a do-it-yourself website. Lillard went on to write two books about getting organized and shared organizational tips during media appearances, which helped her business grow. Collecting before and after pictures and client testimonials are good ways to promote a business as a professional organizer. For people interested in this business, consider joining the National Association of Professional Organizers, which provides education and training for new business owners in the field.

5. Social Media Marketing Assistant

The social media world is growing, and most business owners don’t have time to keep up. You can create a business as a social media marketing assistant or strategist if you have strong writing skills and a working knowledge of the major social media networking sites. Copy editing skills also are in demand for customers with blogs. Prior experience in public relations and marketing can also set you apart from those who just know social media tools. This business involves helping clients develop a social media strategy, build blogs, and set up Facebook Fan Pages, Twitter accounts, LinkedIn profiles and Google+ accounts. lf you know how to set up and maintain WordPress websites (they’re free), you can specialize in that service and charge a higher hourly rate. Cathy Larkin of Web Savvy PR in Aston, Pa., shows her small-business clients how to make social media marketing less intimidating. She provides strategies and shortcuts to keep her clients up to date online. “The first thing I did was learn the tools; then I picked a niche for the kind of customers I wanted,” Larkin says, “Be willing to work for free at first, just to prove you know what you are doing and get some references.” A low-cost way to quickly sharpen your social media skills is to attend a social media conference such as a PodCamp, which are held all over the country. The key to being successful as a social media marketing assistant is keeping your skills updated and making sure you stay on top of the constantly changing features on the social networking sites.

6. Jewelry Designer

People like handmade, one-of-a-kind jewelry, and this hobby is a good choice for a home-based business. Settle on your signature style or specialty — whether you’ll create pieces with bead design or design molds for silver and goldsmithing or stainless-steel items. Then you need to name your business, create samples, produce high-quality photos and start developing marketing materials. Patricia Miller, owner of the Velvet Box in Flint, Mich., got hooked on the craft while helping a friend with her holiday jewelry orders. Miller launched her own business with small orders for bracelets, and then she began doing home shows. Later she created an online shop at Etsy.com, which makes it simple for crafters to display and sell handmade goods. “Ninety-eight percent of my business has come from repeat customers and word-of-mouth referrals,” says Miller. Jewelry sellers also should look into setting up booths at craft fairs, flea markets and community events. Try partnering with local art galleries, hospitals and boutiques to sell higher-end pieces in your catalog. Don’t forget to wear your own jewelry everywhere you go — you are your best advertisement.

7. Image Consultant

Are you the person everyone stops and says, “Wow, you look great! Can you go shopping with me?” You are not just a trendsetter; you also may have the skills to be an image consultant or visual branding specialist. “Both women and men need to present their very best to the world. I help people reinvent and update their look,” says Tracey Reed, who runs a Philadelphia image consulting firm, Tracey Evelyn Beautiful You. “I do everything from color analysis to make-up lessons and personal shopping.” If you want to start a business as an image consultant, you need to have an understanding of color basics, textiles and clothing silhouettes. Reed, who has a master’s degree in theater make-up and costume design, suggests taking courses in color theory and retail merchandising to sharpen your skills. She started out in the beauty business as a licensed aesthetician and later expanded her services to include wardrobe and image consulting. Potential clients include professional women too busy to shop, brides-to-be who want makeovers, and men who want to sharpen their images to get ahead at work. Having a personal network is key to building your initial clientele. Set up a blog to share style tips, and then use Facebook and other social media to attract new customers. You also can use your website to post special packages, share testimonials and feature before and after photos of clients. It could be your best sales tool.

All of these are great businesses to start, but keep in mind that you still need a marketing plan and business plan to get your fledgling enterprise on track. Start with a free version of business plan software at enloop.com to get rolling and later invest in a business plan course at a small-business development center or local community college. Business plans help make sure your budget and costs are something you can measure as your new business grows.

Melinda F. Emerson, known as the SmallBizLady, is an entrepreneur, professional speaker, small business coach and the author of Become Your Own Boss in 12 Months. In 2010, Forbes magazine named her as one of the Top 20 Women for Entrepreneurs to Follow on Twitter.

Many of you know that I am an entrepreneur but I am still working a 9-5 with the intention of transitioning to full-time entrepreneurship.  I am doing just that by having multiple streams of income to replace my income from the 9-5.  One of my multiple streams of income is selling products that absolutely love, Soul Purpose!  Soul Purpose are organic bath and body products that smell and feel awesome!  I have been using the products for about a year now and I have decided that I would like to be a member of the Soul Purpose team.  I wanted to share this opportunity for you to become an entrepreneur at a very low-cost!  For only $35.00 you to can become CEO of your own Soul Purpose business!  But first I would recommend that you try the products for yourself.  Please go to my Soul Purpose website at http://cherylvanessasmith.soulpurpose.net.  There you will see all of our beautiful products and also you will be able to order and sign up to become a Lifestyle Entrepreneur with Soul Purpose!  I am so excited!  I used to have elbows that felt like sandpaper and after 4 weeks of using Soul Purpose my elbows started softening up and now the feel as soft as a baby’s bottom and the aroma of the products, especially, Hollywood Fresh, Brazilian Jackfruit, and Brown Sugar & Honey, will make you want to take some home immediately!  So if you want to become a CEO of your own company for the small investment of $35.00 or if you just want some body products that are a guaranteed cut about the rest, give Soul Purpose a try!  I guarantee you’ll love it!  Once you try the Soul Purpose products or if you have any questions you can also reach me at millionheirmom@yahoo.com on Twitter at @millionheirmom1 or on Facebook at Victorious Cheryl.

Another article from my favorite magazine Black Enterprise about hiring a business coach to take your business to the next level.

How a Business Coach Can Help Your Company Grow Entrepreneur gains an education through a non-profit program by Alan Hughes

Two years ago, Link Howard, III, president and chief executive officer of Powerlink Facilities Management, knew he needed help with his business. While the Detroit-based provider of facilities maintenance and management services was generating nearly $11 million in revenues, Howard was unable to land more than a $150,000 line of credit from his bank.

Howard heard about the Urban Entrepreneur Partnership of the Ewing Marion Kauffman Foundation from a business contact. With offices in Kansas City, Detroit, Baton Rouge and New Orleans, the non-profit program centers on educating entrepreneurs so they’re able to build scalable businesses. “I went on line and filled out the initial application and as a result of that we went through the rigorous screening process that the Kauffman Foundation at the UEP require of all of its companies that they partner with,” recalls Howard. “Interestingly enough, that is one of the most valuable parts of the entire process and I’ll come back to that.”

Pay it forward: CEO Link Howard with one of his interns.

A business coach looked over Powerlink’s strategic plan, marketing plan, and offered advice on how to strengthen the business. “Going through the process of providing all the documentation information they were looking for caused us to really look at all of our processes of how we captured data, how we report things, and made us look at it operationally,” Howard recounts. “Going through that process really helped us strengthen our internal processes and really helped us to continue to grow our infrastructure, which is what I think is so important for businesses that are going to be successful.”

“We have a process that includes heavy assessment up front, a rigorous assessment up front,” says Daryl Williams, CEO, Urban Entrepreneur Partnership Inc. “We give each and every client a Personal Development Plan, which is an actual document that dictates what it is you want to do, where you are now, and the challenges that you face in order to reach those entrepreneurial goals, and we provide you an individual coach that will really walk you through those and have accountability model throughout.”

This doesn’t come without a cost. UEP workshops run about $400 and business coaching is $125 per hour. The coaching also helped Howard and his team gain a better understanding of what banks look for before extending credit. “Up until two years ago, up until last year, we were not able to secure the type of credit line that we needed from traditional banking institutions so we were doing a lot of factoring,” he says. “[the coaching], along with some other factors, certainly helped us to present a picture that the banks wanted to see.”

Two years later, Powerlink now employs 585 people, and is expecting to grow to 675 in 2012. Revenues are expected to approach $22 million at the end of 2011 and reach $27 million for 2012.  And perhaps most importantly, the company was able to secure a $2.5 million credit line.

For Howard, the coaching is an ongoing thing. “We meet consistently with our business coaches. They are, right now, helping us to transition into businesses that are target industries that we’re not involved in now,” he says. “They are providing coaching and mentoring in that regard. They have seminars, so you can continue to learn.”

Would you use a coach to start or move your business forward?  let me know by leaving your comments or by e-mailing me at millionheirmom@yahoo.com or on Facebook under Victorious Cheryl or on Twitter at @millionheirmom1.

This article comes from on of my favorite, favorite magazines, Black Enterprise!  I love the article because it resonates with my idea of getting organized both personally and professionally and taking responsibility over your life and for your business.

How to Use for Big Savings:The process can be worth the time and investment by Sheiresa NgoPosted: November 1, 2011

Do you see people in line at the supermarket handing over a stack of coupons and saving a ton of cash at the register? Does a little twinge of envy and wonder well up in your chest? Well, there’s no need to be jealous. You, too, can learn the tricks of “couponing” and stretch your grocery budget. Here are four tips on how to work those coupon savings in your favor.

STEP 1 : Plan ahead.
Figure out meals for the week ahead of time. This way, you’ll clip coupons according to what you need. This will also save you from engaging in impulse buying as you wander aimlessly through the grocery store aisles, deciding what you need to buy. “There are sites online called grocery list matchup sites. They track the sales cycles of the stores for you and give you a list of where everything is in the cycle and when things are at their lowest price. Then it tells you exactly what coupon to use. If you use one of these lists, you’re looking at spending only 30 minutes to an hour per week on planning. All you have to do is click the things you need to buy, print the list, get the coupons, and you’re ready to go,” says coupon expert Jill Cataldo. CouponMom.com is one popular grocery list matchup website.

STEP 2: Search for coupons.
Store circulars and the Sunday paper aren’t the only places you’ll find coupons. There are also coupons online. Some of the most popular coupon sites are Coupons.com and CouponCabin.com. Some store websites also feature printable coupons. In addition, if you sign up for a store’s mailing list, you’ll often get coupons in the mail or via e-mail.

STEP 3: Wait for sales.
The best way to maximize your savings is to use coupons when they match up with store sales for the week. Also, go to stores that double or triple the value of coupons for even bigger savings. “Using a coupon at the right time is just as important as using a coupon. For example, if I have a coupon for $1 off Crest toothpaste, I don’t want to use that coupon when it’s $2.99, I want to wait to use that coupon until it goes on sale for $1.00—then it’s free,” says Cataldo

STEP 4: Branch out.
Don’t feel obligated to stick to certain brands. If you see a coupon for an item you need, but it’s not the brand you usually buy, try it. The savings will be worth it. Also try shopping at different stores. For example, Target has great deals on groceries. In addition, make sure to sign up for store loyalty cards.

And the you have it!  One of my secret weapons of becoming a MillionHeir financially!  MillionHeir mom uses coupons!