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You’ve seen them in grocery chains — flipping through their 3-ring binders, shuffling through an accordion file, or sifting through an envelope for bits of paper that will save them cold hard cash. With a list in one hand and often a calculator in the other, these are the couponers, and they’re on a mission. You can learn a lot from these thrifty consumers; they know that to effectively save money you must first learn to effectively spend it. A recent press release from Inmar