If it's Sam's Club, BJ's or Costco -- you should definitely invest in the small membership fee these clubs charge. Not only do you get great deals on the things you buy everyday, but you also get access to exclusive product combos and pricing that you wouldn't find anywhere else.

If you want extra savings, BJ's allows you to use manufacturers coupons in addition to using their in-store coupons. You can save a significant amount of money on the items you need.

The best way to find manufacturer's coupons is to go directly to the manufacturer's website. If you can not find any, then visit www.coupons.com or www.coolsavings.com.