In today's Dollars & Sense, I ask 10 questions to test your coupon smarts. For some additional tips from a very frequent coupon user, I asked Lisa Reynolds, a mom and "saver in chief" at coupon distributor Redplum, to offer additional tips for savings on coupons. I threw in a couple more at the end.

1. Get on the Phone: Up to 35% of manufacturers send coupons only upon request. Call manufacturer 800 numbers for ultimate savings, and ask for any coupons or savings opportunities that might be available. These numbers can usually be found on the back of the product, or on company websites.

2. Download Deals to Your Grocery Card: Shoppers can currently download offers to their loyalty card or ID from select retailer websites, AOL's Shortcuts.com, Valassis' web properties or a mobile device. The coupons are ready for redemption as soon as they are downloaded, and at the checkout, eligible savings are automatically subtracted from the total cost. (Dealspotter's note: Grocery stores in the Twin Cities don't use loyalty cards very much anymore. Rainbow's Rewards Program saves on gas, but not on groceries).

3. Put in Your Zip Code: Many times you get additional coupons just for adding your zip on a savings site. Why? Because manufacturers often only sell certain products in certain areas, or they are doing a special promotion for your area. This one tip can save you – literally – hundreds more a year.

4. Click Fast: Many of the best coupons are only online for days, or even hours, if you get an e-mail, or see a Tweet or Facebook update on a great coupon, go grab it – it could be gone fast.

5. Sign Up for e-mails: Everyone forgets to go back to their favorite sites, RedPlum, SmartSource and others offer weekly e-mails to let you know new coupons are live.

6. Unlikely Savings: While groceries are the No. 1 coupon category, look for a great deal on all your purchases. Always check online for coupons and promo codes for unlikely savings in a number of categories from dining to pets to auto repair. Sites like save.com offer codes to score you anything from free shipping to dollars or percentages off your online purchases.

In case you weren't aware of it, Cub Foods accepts expired manufacturers' coupons up to 60 days past the expiration. Some cashiers even allow up to 90 days, but it's hit or miss.

Stack manufacturer and store coupons. It's legit to take a Target coupon for 50 cents off pet food, for example, and use it in conjunction with a manufacturer's coupon for 40 cents off. How do you know which is which? The top of the coupon will say "Target coupon" or "manufacturer's coupon."

Can't be bothered with "nickel and dime" coupons for a quarter or 50 cents? Try larger savings on services such as teeth cleaning, oil changes, car washes, tax preparation, dry cleaning, and restaurants. Go to Valpak or Moneymailer. Categories include auto, beauty, entertainment, grocery, health, home, professional, restaurants and shops. Save $5, $10 or more.

What are your own favorite tips or sites for coupons?