More people than ever are clipping coupons for their supermarket trips, but they’re often not saving as much as they could, says Toni House, author of How to Reduce Your Weekly Grocery Bill to $85 Per Week – Or Less!.  "You can easily shave $5 to $20 off your weekly grocery budget with a minimal investment of time," says House. "Cutting your bill just $10 a week will save you $520 over the course of a year.

"Taking a couple of extra steps to ensure you can use all the coupons you clip will save you more money – and protect your investment of time in clipping them."  How can consumers take advantage of coupons without becoming consumed by them?  Let us count the ways!

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Looking for a custom invitation without spending upwards of $700? The average cost of wedding invitations and reply cards is $659, according to 2010 data from The Bridal Association of America.

Here are some ways to trim costs for your 2012 wedding. When using these tips, expect to pay around $200 for 100-150 invitations.

1. Establish the Look

Use Pinterest to browse for invitations from which to draw your inspiration. Start a board and "pin" examples. Once you find a direction you'd like to go in, you're ready to start on your very own. There are several options for today's budget bride including free online templates, designing it from scratch or ordering at a discount.

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More Americans are paying more of their health care costs out of pocket every year because they lack insurance, have higher deductibles and co-payments, or have chosen a Health Savings Account plan.

There are ways they can save money without jeopardizing their health and there are steps they should take to ensure they're getting the best value for their dollars, says physician Angel M. Garcia (www.DoNoHarmDrs.com), an internist who has been in practice for more than 25 years.

Garcia, author of Do No Harm: Saving Our Health-Care System, says patients themselves are the first line of defense in an industry where increasing tensions have created new stressors at every level.  "No physician is beyond becoming burnt out," he says. "Physicians who are working mechanically, who are no longer interested, committed and enjoying practicing medicine can be a danger to their patients."

"I've heard many patients excuse their doctors by saying, ‘Oh, he's just burnt out.’  While such loyalty is kind, the issue is one the patient should talk about with their doctor.  "You could just say, 'Hey, Doc, you seem tired. Are you OK?'  You may be surprised how much your doctor appreciates your concern."

Garcia offers these simple ways patients can save money and ensure their health care dollars are well spent:

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Return policies for some merchants are more complex than income tax laws. Buy online and you'll spend umpteen hours working your way through phone trees and waiting on hold to talk to a customer "service" representative. If you're lucky, you'll get a refund. Otherwise, it's a store credit from a store you may not wish to patronize again.

Humorously, many of these merchants claim to offer "hassle free" returns. Some retailers, on the other hand, genuinely believe in making the process as pain-free as possible. FreeShipping did some research and came up with the following top 10 online return policies.

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It's always a good time to review some basic tricks that coupon pros use. Read on for six ways you can save like an extreme couponer.

1. Start Small

Don't try to go extreme all at once. Take it step by step, rather than show up at a checkout with 50 coupons and little idea what you're doing.

2. Never Pay For Coupons

There are some things in this life you just shouldn't pay for, and a coupon is one of them. Paying someone to clip or organize your coupons defeats the purpose of living frugally. Instead, surf Sunday newspaper ad supplements for coupon savings; ask your neighbors for their unwanted papers; or dive inside a recycled dumpster or two. Also, free online coupon sites like CouponSherpa.com give consumers access to a multitude of coupon codes and printable coupons for thousands of merchants.

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With summer around the corner, Hollywood is about to roll out a slew of sequels, blockbusters and indie films sure to satisfy most people's craving for easy entertainment. Before making your summer selections, however, you should consider how best to spend your movie money.

According to TIME Moneyland, ticket prices are expected to increase this year thanks to lackluster sales in 2011 -- and that's not including the exorbitant cost of concessions. Don't let the inflated cost of the cinema deflate your family's desire to catch the season's best flicks on the big screen.

Follow these 11 tips to avoid blowing your movie budget.

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