Our last Joy it Forward giveaway for this holiday season includes a Smart Spending Coupon Organizer Insert Set, a "Cut Your Grocery Bills in Half" DVD and an envelope of coupons!

The Coupon Organizer Insert Set includes 24 professionally printed, tabbed dividers and 25 Ultra-Pro nine-pocket coupon insert pages.  The 24 tabbed dividers have the names of product typed printed on them including Baking, Beverage, Bread, Cleaning, Condiments, Dairy, Frozen, and more.  The insert set fits in any regular 3-ring binder. This giveaway does not include a binder.

 The "Cut Your Grocery Bills in Half" DVD is a video tape of a 2 hour class I taught in 2009. Obviously, some of the specific store policies have changed since then, but the couponing basics information remains the same. This is a good introduction to couponing for those just getting started.

For more information on both of these products, head to my website at smartspendingresources.com.

To enter this giveaway, post a comment below about a financial goal you have for the new year. I'll pick the winner randomly on Friday, January 4th at 11 am and post the winning name soon after.