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February 15, 2019 · Leave a Comment

How To Save On Groceries | 4 Tips To Save Before The Store

This post may contain affiliate links for your convenience.
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Budget· Budget Tips· Frugal Living· Meal Planning· Printable· Saving· Ways We Save

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It’s payday.  There’s nothing left in the fridge or pantry, and you need to go shopping.  You’re not really sure what you’re shopping for, you just know that you need to get some food back in the house.

Or maybe you just stock up on food on the same day each week, and get the same items week after week, but don’t really notice you’ve got way more packs of cashews than any human can eat in a month.  Don’t worry!  We’ve all been there at one point or another!

How To Save On Groceries | 4 Steps To Save Before The Store

I may plan our meals monthly, but I shop weekly.  I tried bi-weekly shopping, and while I loved the simplicity, and honestly how infrequently I had to be around people, I found don’t have the fridge space for two weeks worth of produce and dairy.

But I also do not actively sales shop simply because my house is not blessed with a giant walk-in pantry.  It’s more arm’s-length pantry.  Yet I’m also able to save hundreds each year simply by going through these four steps before getting to the grocery store.

 

How To Save On Groceries Before You Get To The Store

Start With A Meal Plan

I check our monthly meal plan, and choose our meals to match our schedule for the week.  If it’s a particularly busy week, I won’t be adding in a bunch of longer, more complex meals.  If I need to stretch a smaller amount of money for the week, I would choose roast chicken for the weekends, then use the leftover roasted chicken and make chicken sammies with it, and maybe chicken chili.  Three meals for the week using only one main ingredient.

Whether you want to plan monthly, bi-weekly or weekly, you need to start with a meal plan.  It makes it much easier on you throughout the week when you know what’s for dinner long before dinner time comes.

Take Inventory

Now is the time to compare the recipes you chose to what you have on hand in your fridge, freezer and pantry.

Keeping with my earlier example, for my meal of roast chicken, I see that I have some russet potatoes leftover from a previous week and can make baked potatoes with them, and just grab a can of peas, or a fresh veggie instead.

Create Your Grocery List Around What Is Needed

To help me keep track of what I need, I always write out a grocery list.  We’ve done this for years.  Back to our previous example… if know I would need a whole chicken, but I maybe I would like a fresh veggie with the baked potatoes and chicken.  I also see that I need to pick up some buns and peppers for the sammies, and some dry beans for the chili.  I write down what I would need in order to help keep our expenses low.

The same can apply to things you go through on a week to week basis.  Maybe I see that we have 1 half-gallon of Lactaid in the fridge, and we go through 3 half-gallons a week.  Rather than buying all 3 that we go through each week, I would only need to pick up two more.

Have A Running List Of Stock-Up Items

Another way I’m able to save up money on groceries is by keeping a running list of what is needed.  If we used the last thousand island dressing from the pantry, I’ll write it down on our white board {which hangs on our pantry door} as a reminder that I need to buy more.  When we have a week with some wiggle room in our grocery budget, I’ll add the dressing to our grocery list and put them in the pantry so it’s there the next time we need it.

 

To help you keep track of your meal plan and grocery list at the same time, I created a grocery list printable, free for you in my Resource Library.

It’s based off how I’ve set up our grocery lists for years now.  Not only are you able to see everything you need to get, but you can also see your meal plan at a glance.  I have found this to be a game changer over the years because I can see what would get shifted around or easily modified if the need arises.  Or I can remind myself: while we don’t have sour cream at home, no, we really don’t need a container of sour cream this week because we don’t have meals that need it.

How To Save On Groceries | 4 Steps To Save Before The Store

I can’t tell you how many times I have been to the store and based my list off of getting a family pack of chicken breasts, but there are no more.  So a quick peek at my meal plan would tell me that maybe tenders would do in a pinch, or even boneless thighs.

For more tips on how to save once you’re at the store, check out:  Simple Steps To Save Money On Groceries

 

How To Save On Groceries | 4 Steps To Save Before The Store

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makingcentsmatter

This is what school looks like when it's a hybrid This is what school looks like when it's a hybrid model, and your house does not have unlimited space. I was standing in our kitchen when I took this picture, the kids behind me making lunch.
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Our district is carefully monitoring our local infection rates, and we are currently in a hybrid form. That means they divided the district into two groups; half are in school on Monday and Tuesday, the other half on Thursday and Friday. They are offering an all remote option, but Verizon for some reason supplies our house with speeds so slow that it would shock a tortoise. Remote was a no-go.
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This set-up has taken some trial and error to get to where we currently are. Because no matter how prepared you are and how much you've planned, once you're in the weeds, actually doing it, there is no telling how your best-laid plans will work.
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Our home is a 1800sqft one-story, open living area, 4 bedroom, 1 bathroom, ranch-style house in a very rural area. It has no home offices. No guest bedrooms. Yes, that is a desk in the corner of our dining room. 🤣
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Each kid gets their own color bin for their school work. This includes school-issued Chromebooks and other standard items they need to get work done - headphones, pencils, and so on. When we are done for the day, we clean up everything, place them neatly in these bins, and place them in cubbies (on my current left) at night while the Chromebooks charge.
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I do NOT bother to clean up at lunchtime. It would take us more time to clean up and reset everything than it takes us to eat lunch. So we only pack it all up for the day and call it done.
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During the day, I sit between my younger two and field any questions they may have, troubleshoot technical issues we all have, and be the overall bouncer when things get off-topic. My high schooler will occasionally emerge from his bedroom, which opens to the kitchen. So he is close by when he has questions.
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Please remember that with all things in life, you need to work with what's available to you. And there is no shame in that. Don't ever feel like you're not doing good enough because it's not picture perfect. Work with what you have available to you, and you'll do amazing things.
School is in session, the garden is slowing, and I School is in session, the garden is slowing, and I’ve finally realized I haven’t shared our payoff numbers for July or August. Yeah……
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Please keep in mind, we are paid monthly on the 15th, but we don’t go by a “monthly” budget. So I have to go back and look at these numbers based off their due dates in the calendar. Because our pay falls in the middle of the month, I can’t tell you what portion of our income went to debt. It’s going to vary paycheck to paycheck anyways because our priorities vary with each check. Nothing is ever the same month to month, and pay to pay.
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That said, inJuly we paid off $2,694.43.
In August we paid off $1,673.40.
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The difference here is that our priorities shifted between the two months.
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During August, we were doing more prep for whatever school would look like this year, and we had some savings goals make their way to the top of the list as well.
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Of those goals, in August we made progress!
EF Reimbursement: $146 / $1,200
Checking Buffer Reimbursement: $227 / $500
Vet Sinking Fund: $40 / $200
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Remember this is a journey, not a race. There is no point wearing yourself ragged and still making no progress. Make progress where you can, and celebrate it. Even if it’s $5.
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It’s progress, and that’s what matters!
While I wait for the canner to finish the last rou While I wait for the canner to finish the last round... I rearranged our recipe binder. It's only taken me 8 or so years. 🤣😶😭
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I miss the days when zucchini was my problem. Now it's tomatoes. I can only find so many ways to use up spaghetti sauce! So the next 50lbs or so will be chili base and unseasoned sauce.
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On top of this school is starting with a hybrid in building & online system. And I'm seriously slacking on some things I need to do. I'm not good at juggling multiple things and the balls are falling. But I keep reminding myself... be patient. This too shall pass. This is only a phase. So I pick and choose what's the most important, focus on that and go from there.
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So if you feel overwhelmed with your current phase, remember, this too shall pass. It's okay to rearrange priorities. It's okay to take a breather.
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This too shall pass.
If you didn't start finding interesting ways to ge If you didn't start finding interesting ways to get rid of the squash, can you say you even planted any?
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Good news, I'm almost caught up! Bad news, the garden has more.
Super busy here... but I wanted to share that wins Super busy here... but I wanted to share that wins can come in super small packages. I thought I'd spend $380 to clean the band instruments in this house. I ended up spending $234. So the remaining $146 can go to reimbursing what I pulled from our EF.
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No matter the win, celebrate it!
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What are some wins you have had lately?
In total we have 15lbs green beans, 10lbs cucumber In total we have 15lbs green beans, 10lbs cucumbers, 5lbs blueberries, and countless zucchini and squash with more on the way! My weekend is spoken for... and this isn't all of it. 😳
Rather than looking back through all our non-month Rather than looking back through all our non-monthly bills for the year and try to remember what I paid and when I paid it, I make a note of how much it was on our bill pay tracker. That way I can easily tally it up at the end of the year, set our sinking funds next year accordingly, and not spend more time than is necessary on this... because kids and all.⁣
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Anyone else do this? Do you have a different method of tracking these expenses?⁣
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This particular printable is in my Etsy shop here: https://www.etsy.com/shop/MakingCentsMatter⁣
It's also part of my budgeting workbook, also in my Etsy shop.⁣
Good news though... there's a very similar free version in my resource library as well. Links are in my profile.⁣
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#budget #budgeting #sinkingfund #savingmoney #savings  #cashbudget #cash #cashisking #frugalblogger #frugalmom #frugalliving #financialgoals #budgetprintable #personalfinancetips  #personalfinance #debtfreejourney #debtfreecommunity #debtfreeprogress #bs1 #bs2 #bs3  #makingcentsmatter #financialfreedom #debtfree
Probably an unpopular opinion here... but these tw Probably an unpopular opinion here... but these two things are NOT the same to me.⁣
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𝗟𝗶𝘃𝗶𝗻𝗴 paycheck to paycheck means that you're using all of your money for expenses with none left over for savings. This usually happens when you're not aware of where you are spending your money, and how much you are spending. For us, this happened in the form of those tiny expenses that can add up to even larger expenses, and then an unexpected bill comes and you have nothing left to cover it.⁣
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𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴 paycheck to paycheck means that you are giving every single cent you earn a job to do that aligns with your priorities - like in sinking funds, savings, expenses, debt payments, etc - until the next paycheck. You have the money on hand to cover some unexpected expenses, and you are mindful of your spending so that you're not leaking money through small purchases.⁣
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This doesn't mean that there still aren't bad months. Murphy's Law does happen. But you are aware of the spending, aware of the priorities, and where your money needs to be allocated.⁣
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So... just because you're budgeting paycheck to paycheck doesn't mean you're living paycheck to paycheck.⁣
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June's paycheck was a doozy! I haven't looked forw June's paycheck was a doozy! I haven't looked forward to a paycheck since we first made the switch to monthly pays. It was so bad we've got a new order to things.⁣
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Good news is that if our state keeps closing things down, we should hammer this out in no time!⁣
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To see the full breakdown of how bad June's paycheck was, check out the June 15th Budget Review on our YouTube channel here https://youtu.be/gXoEo33hIYQ. Link is also in the bio.⁣
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