But saving money can be much easier than you think. And living a frugal lifestyle doesn’t mean that you have to deprive yourself of all fun.

Here’s a tip: Use coupons!

Check out our list of printable coupons and enjoy some things that you love this weekend without paying full price:

You’ll come home with a full heart AND a full wallet…and that makes all the difference!

Printable Coupons: 

Printable Retail Coupons  – Save When You Shop

Restaurant Coupons  & More Restaurant Coupons - Save When You Eat

Weekend Family FREE Events - Save While You Play

**Get more innovative money-saving tips from this article: 20 Best Ways to Save Money by NOT Being Normal

Thanks, Southern Savers, Mojo Savings, and Christian PF

Stores looked at it as a convenience for their loyal shoppers.  But nowadays, retailers are looking at layaway as a money maker.  Who are they targeting?  Those who don’t have enough cash or can’t get/use credit to make purchases.  And in these hard economic times, there are plenty of people who meet that criteria.

Even though the rules seem stacked in favor of the stores, you can use layaway to your advantage if you’re sure you’ll have funds in the future/stay within your budget.  Use layaway when you know it’s an exceptional price for something you need but can’t pay in full right away.  Even with the service fees, it could still be a good deal.  Using layaway for “must have” gift items – especially items you know will be hard to find when you do have the money – makes sense, too.

Here’s how most stores handle layaway purchases so you’re prepared.  Note that states have different laws regarding layaway so amounts and types of fees that can be charged may vary.

• To place items on layaway, you’ll need to make a “down payment” – anywhere between 10 and 20% of the total value – or a set minimum.
• Most will have a service fee to set up the layaway account.  It’s not clear if you have to pay that each time or if it’s a one-time fee.
• Some stores limit the departments – like you can only layaway toys or electronics but not clothing.
• Most stores have a minimum purchase amount.  Some even limit the individual item amount mainly barring low-cost items.
• All will charge a cancellation fee. The amount is either a set fee or a percentage of the total.  Plus, your service fees for set up will not be refunded.
• Some will make you sign contracts with payments due at specific times.
• Stores have different policies on price changes.  Some will hold the price to what it was when you put it on layaway.  Others will adjust downward if the item is further reduced in the store – but don’t count on that!