Dear Mary: I am new to "Everyday Cheapskate" and Debt-Proof Living, and I'm finding some helpful information. Many people talk about clipping coupons. How can I find a site that has the types of coupons I would regularly use? What sites are worth subscribing to and paying for? — Eppie, e-mail

Dear Eppie: You need to meet Rachael Woodard, founder of The Coupon Clippers, a coupon clipping service that she operates out of her home in Florida. Rachael and her staff collect, clip, organize and file coupons, and they have more than a million national-brand coupons in their warehouse and shipping center at any given time.

TCC customers go to http://www.TheCouponClippers.com and select the exact coupons they need, paying only a small handling fee for each. Five to 10 cents is typical. There is a $3-per-order minimum requirement, and you must pay 50 cents per order for administrative costs.

For less than five bucks, you can get a pile of the exact coupons you will use, with all the work done for you. If your time is valuable and searching for online coupons and trying to figure out digital downloads gives you a rash, you need to check out The Coupon Clippers.

Dear Mary: How does my daughter go about building credit? She is 23 years old and lives at home. She works part time as a cashier. Full-time jobs with benefits just aren't available. She has applied for numerous charge cards at department stores, such as Kohl's and Target, but she always is denied. What can she do to begin building a credit score? —Terri W., California

Dear Terri: She should stay away from department store cards. She needs to concentrate on getting a bank-issued credit card. Go to http://www.IndexCreditCards.com to find a complete listing of all credit cards currently available, arranged by category.

If she is still unable to get a card on her own, you could add her as an "authorized user" to one of your existing credit cards. This would not present a liability to her. However, she would benefit from your good credit, as the activity on the account would be reported to her credit file.

Another option would be a prepaid card that is linked to money you put up as collateral. In essence, she would be borrowing your cash. Though you'd lock up your money with the card, it would ensure that she doesn't get in over her head. This would be a way to help her get started managing a credit card responsibly while still having a financial safety net.

For a good secured card, her best bet is at a local credit union. Otherwise, the Public Savings Bank secured Visa (http://www.PublicBankCard.com) is a good choice. With the exception of a $79 sign-up fee, there are no monthly or annual fees. It has an 11.24 percent interest rate and a 25-day grace period, and it promises to report to all three credit bureaus to build her credit scores.

Do you have a question for Mary? E-mail her at [email protected], or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723. Mary Hunt is the founder of www.DebtProofLiving.com and author of 18 books, including "Can I Pay My Credit Card Bill With a Credit Card?" To find out more about Mary and read her past columns, please visit the Creators Syndicate Web page at www.creators.com.