Hey Joe,
the zone system rule of thumb is
"expose for the shadows and develop for the highlights"
So when you point your meter at a shadow, you will need to stop down. The meter measures for zone V. You will probably want your shadows at zone III. To do so, you have to stop down two stops.
The same happens when photographing snow. When you point the meter at snow, it measures it at zone V. In order to make it white, you will have to open up two stops.
You can open up or stop down with either the aperture or the shutter speed. Since I always use a tripod and slow film, I prefer to alter my shutter speed so that I do not affect what is in focus.
Also, have a look at my take on developing film.
Click here.
Good luck. I hope this helps.
Welcome to APUG and Happy Holidays.