Several people have asked me what I've been doing to cut our grocery bill so much over the last 8 months, so it's time I finally organize and verbalize my "system." Hope this is helpful to some of you!
First of all, let me start off by saying that the main reason that I'm saving money is because I'm being intentional about saving money. I've followed a lot of money-saving systems, plans, and advice in this area before, and it got me nowhere. It was because my heart was somewhere else. I wasn't trying to do it because I felt this conviction from the Lord to be careful about my spending, save a lot more so that I can give a lot more, and that waste was a sin. I tried several times before, and it just didn't work. I wasn't disciplined enough. And I wasn't surrendered enough. I'm just saying this now, not to convince you to have the same convictions, but to tell you that if it's not a wholehearted, focused effort driving your changes in spending, then the following things I share will be a waste of time. If you're a spender and you don't deal with that issue at its root in your heart, you will always find ways to keep spending. You will probably have a hard time with these things, because it's not the strategies that will be your biggest help, it's the perspective-shift on waste/careless spending/laziness vs. financial responsibility/wisdom that will change things for you and your family. That was my experience, at least. I've had a lifestyle change that has led me to have an overall desire to save as much money as I can on my grocery bill and to not spend money on stupid things. I can write some other time about all of my issues with careless spending and why I've been striving to change that. But that's not the point of this particularly post. Anyway, to sum up this paragraph, you have to be seriously goal-oriented in this area in order to have real money-saving success. You need to somehow start looking at your shopping experiences as opportunities to prove how wise you are with your money. Your main question should be, "How can I best meet my family's needs (and other needs I'm called to help meet) while spending the least amount of money?"
Now. With that being said, the following are my main nuggets of advice for optimizing your money-saving potential with grocery shopping. There are plenty more that I haven't taken advantage of yet or may not know about, but here's what I do know:
1.) If you want to save money, you HAVE to shop at Wal-mart. I know. Few of us really like that store. But if you shop Brookshires (one of our local grocery stores here) instead because it's prettier and you don't enjoy going to Wal-mart, don't tell me you want to save money. I won't believe you. Why is Walmart such a money-saving jewel? Top reason: Price comparisons. For those who do not know, Walmart's policy is to match competitor's prices on everything in the store. So, here's what you do: every week on Tuesdays, you will receive your local grocery stores' weekly ads in your mailbox. You will "shop" each of those store's sales but you will get to take advantage of all the different stores' sale prices and just make one trip to Walmart to purchase everything there. If there are things in the Albertsons or Brookshires ad that are a great price and cheaper than what Walmart's price is, then you purchase those items at Walmart and show them the ad from the other stores. The cashier will charge you the other store's price instead of theirs. Easy. Simple. Doable. For some reason, everyone who starts this thinks that they might be the only person who does this. I was all nervous the first time, thinking how is this going to work? The kind people at Walmart have been doing this for years. You're not the first. They ALL know their store's policy, and I promise you, you won't be weird for asking them to do price comps for you. It's their pleasure. (Side note: Walmart is able to do this because they save a ton in advertising money because they don't send out weekly ads like the other stores. They don't do weekly sales. They have roll-backs that usually last for a month I think and they will periodically send out a circular advertising those.) So, each week when you are preparing your grocery list, your first step is to search the weekly ads for sales. (FYI...I've switched to a weekly budget for groceries, which I've found works so much better for me, and I get cash out for groceries every Sunday. So I do my weekly shopping trip every Sunday or Monday. That gives me at least five days, from the time I get my ads until I go shopping, to prepare my list and get it super precise. Just a tip I want to share. Having that many days to prepare saves me a lot! The more prep you do BEFORE going to the store is what will bring you the most savings.
2.) If you want to save money, you will plan your meals around what's on sale. For example, if chicken breasts are on sale somewhere, then well, we're going to eat more chicken meals that week. Let your weekly ads drive your meal-planning rather than let your meal-planning dictate your shopping list. I'm not suggesting this should be absolute. Sometimes I have in mind some other meals I'd like to make, so I watch weekly ads for sales for a few weeks, picking up different items for those recipes as they go on sale. Obviously, sometimes I make them even when most of the items aren't on sale, but I am adamant, in those circumstances, that I do NOT go over-budget for the week. So, with the meals I choose to make before seeing the ads, I weigh the costs of our other needed items that week to make sure it will work. I NEVER just buy what I want anymore without planning a way to make it work within the budget. Remember, if you think of it as a competition with yourself to get the most savings possible, then you're always thinking about ways to save and you'll do great with this. Oh, one thing I discovered really recently that I think will help add to savings is a website called Super Cook. It will give you recipes for those random ingredients and food items you have in your house, making what you have stretch as far as possible before having to go to the store. I'm loving this website!
3.) If you want to save money, you will want to take advantage of great coupon savings too. Couponing is an area that I've tried in the past with little savings success. I think I know why now. Let me first give you some examples of why people say they don't like to use coupons. And know that I've said them all before. "It always seems like the store brand is cheaper than the name-brand item with the discount." Not always. Especially not when the name-brand item is advertised in a weekly ad as being on sale. To sum up my main form of saving money: it's a combination of using weekly sales and coupons in whatever ways will bring me the most savings that week. What really gets me excited is when I can do both at the same time, on the same item. And you'd be surprised how often that works out! Then a name-brand item ends up being cheaper than the store-brand. "When I use coupons, it seems I end up buying more things than I really need, just because I have a coupon." Well, you just need to get smarter, then. =) Seriously, that's something you can help. Use common sense and discipline. Learn to tell yourself no when you need to. Here's one thing that will probably help. I once read in an Ellie Kay book that people who sort their coupons by discount save more money than those who sort them by expiration date. And that has made a HUGE difference for me this time around in using coupons! I clip a lot of coupons, more than a lot of people will want or need to. Since I have a more extensive coupon collection, it requires a more advanced organizational system. It would take me FOREVER to look through my coupons each week to find what I need, so I use an excel spreadsheet instead. This will only save you time if you save as many coupons as I do. Most people should not do it this way! It will be too complicated. But as for what I do, I log them in my spreadsheet, color code them by type or category of the item (ex. bread, frozen, snacks, etc), and mark them off when I use them. I include the price, not the expiration date, on the spreadsheet, and I sort it where the highest discounts are at the top of the page. This way, when I'm making my list using my ads for the week and I want to see if I have a coupon for an item I need, then I can see it quickly on my spreadsheet and I get to the better coupons first. I never look through my coupons first to help determine what goes on my shopping list. And I never use a coupon just to use it. About once a month, I go through my coupons and throw out the expired ones. And here's where my mindset is different than it used to be: I get excited to throw away expired coupons I didn't use! It means I refrained from buying something I obviously didn't need! That's SUCCESS. The only reason to be sad about throwing away an expired coupon would be if I know I bought that item anyway and didn't use the coupon. That would mean I had been lazy in my preparation and planning. And guess what, that just doesn't happen anymore! Only a few times in the last 8 months I've been doing this have I forgotten to plan and had to run to the store last-minute and just buy whatever I had to. Sometimes crazy life circumstances will necessitate that. But those times have to be VERY rare for you to save money. (Side note: Stopping those quick last-minute runs to the store for an item or two I forgot has been my main money saver. I was really bad about that. My lack of planning meant I would just run to the closest store to be quick since I was only getting one or a few things, and it just so happens that those were to the more expensive grocery stores here. Planning is crucial.)
**A few of my favorite coupon sources:
1.) I get a Dallas Morning News every Sunday to cut out coupons.
2.)www.printablecoupons.blogspot.com (My favorite one! The second page of the grocery category on that website is where I've found some of my best coupon savings.)
3.)Check out the bargain links on the right side of my blog for more coupon websites. A friend of mine from college, Lori, is The Bargain Shopper Lady, and she has been one of my main motivators. She'll help you out in a lot of ways...Check out her site, if you aren't familiar with it!
4.) Always do a google search for coupons for a particular item on your list before going to the store. There are a LOT of coupons out there. Just use the internet to your advantage.
4.) If you want to save money, you cannot be brand-specific. There are a few items I will always be a brand-snob about. You will find certain brands of things that just work best for your family. But you have to be willing to try different things. I found that I just always bought the same brands of things out of habit. It's just what I did. I always used a certain kind of detergent, and it certainly wasn't the most expensive kind, but I didn't take advantage of sales and coupons for other brands because I just didn't think about it. I was happy with what I was using. Now, I've tried almost all the common detergents, and I've found that I really like them all the same, so I'll use whatever kind is on sale and I see no difference in quality of function. Just had to get out of the rut. Be willing to get out of your shopping ruts! This also meant, for us, that Jonah's snack foods and lunch extras did not NEED as much variety as I was giving him. I don't owe him twenty different types of things to choose from that week. If applesauce and pretzels are what's on sale that week, that is what we get. Not everything else I can imagine he might like. I'm convinced it's a good life lesson for him to learn too. =)
5.) If you want to save money, you will want to be a part of CVS' Extracare Rewards program. (Walgreens has a great system for savings too, but I can't share the specifics of it because I haven't participated in theirs yet. I'm a CVS girl all the way.) You can find out details of how the program works and how you can use their program to get the best savings possible at a blog called I Heart CVS, and it really is inspirational! I look weekly at the CVS ad for great deals on toiletries, makeup, medicines, baby care, and household items, and I've had some amazing deals there, getting a lot of things for FREE, and it has helped my grocery budget in a big way as well since I take household products out of my grocery budget. I've always gotten great deals on diapers there as well. I always use Parent's Choice diapers from walmart, but I get Huggies or Pampers for baby gifts a lot, and I find great deals on those at CVS most of the time, using the ECB program. I have a friend who has used this system to get loads of really nice beauty products for really cheap and for free, and she's put together beauty baskets for the women in her family for Christmas gifts. And this isn't just in regards to CVS, but with bargain shopping in general, there are things you should never have to pay full price for because there are such good deals on them so regularly. A few that come to mind...cereal, toothpaste, feminine products, toilet paper, paper towels, cleaning products, and more. To save money, you must be willing to wait for the good deals that come around regularly. To keep from getting stuck in a bind without something you need, you must plan ahead.
Closing thoughts: This gets EASIER over time! It really does. What seems overwhelming and complicated before you start seems so easy within just a few weeks. If you approach grocery shopping with the goal to save and you do your part, you'll see results quickly. It's just not hard to do; there is SO much savings out there to be found all the time! It doesn't take long for bargain-shopping to become your new mindset. Really, I was the LAST person in the world likely to be good at this. It's soooo not my nature. I'm way less detail-oriented than this. But things have changed for me, and I'm seeing my friends' lives change too! Recently, a friend was sharing her disappointment in not having money to spend on clothes and how pregnancy body changes were necessitating some shopping. I told her I could save her enough that week in her grocery bill for her to buy a new outfit. I already knew what she was spending weekly on groceries and her family needs weren't all that different from mine, so it would be easy. She met with me, we came up with a list and a plan, and she spent $25 less on her first try. The next week, she called me and had saved $30. And the next week brought even more savings. By week three, she was hooked. And she keeps growing in her savings. She had been going about $50 over her budget every week prior to this. Now she saves $200 a month just doing these few "tricks." And I can tell she's going to save even more. These stories are so fun for me to know about! Mine is very similar, and I am so thankful for the freedom that has come from this. I just want to keep getting better and better at saving money! I have some new goals in it for this year. And if anyone would like some more personalized help in getting started with this, I could be available for consultation for a small fee. Or for a baby-sitting exchange. Or for some really cute little gift. =)
(By the way, I didn't even share the major savings I've started having at Albertsons. If you have one conveniently located near you, you'll want to take advantage of shopping their three-day sales and other amazing promotions they do regularly. Since this has gotten so long already and lots of you probably don't have one near you, I won't write the details on here. But if you want to know more, please let me know!! Albertsons is regularly-priced so high, but there are some great ways to save money at that store.)
Tuesday, January 13, 2009
You, Too, Can Save Lots of Money on Groceries!
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84 comments:
Thank you so much! I have been researching a lot in this area to help me not to spend so much with our grocery bill and you have helped TREMENDOUSLY!!! I used to try but my heart wasn't completely in it....lately, I have felt the conviction of being a good steward and have started to save more in this area. I can't wait to incorporate your help!!! Do you have an Aldi's in your area??? I have been shopping there first before I head to WM....am I wasting my time with that? I wish you lived closer for a lesson...maybe next time you are in Bville!
Ooh, I'm not an expert on Aldi...I never went to it while living in Oklahoma and we don't have it here where I live. From what I've heard, they carry basics and staples, right? And I hear they're priced considerably lower than most of the same items at Walmart. It seems like you would have to experiment for a while with combining price comps and coupon savings at Walmart to see if there are better deals to be found that way than at Aldi. Maybe it will be helpful to still do both trips. If you're watching your ads, making your grocery list from that, and collecting coupons, you'll probably figure out pretty quickly if an item will be cheaper at Aldi. And then you can decide for you how much savings warrants a shopping trip to a second place. That's what I do with Albertsons. Some weeks the deals are just too good not to go to both places. Sometimes it's a time-waster. Pretty soon you'll have memorized what items are priced regularly at various stores and you'll know right away if you'd get a better deal at Aldi than using the ads/coupons at Walmart!
Thanks for the encouragement! I am happy to help! I'm curious about Aldi. Maybe somebody else will comment on that and be able to help more specifically with it.
Hey Hannah, it was nice to meet you yesterday! I have a question about price matching at Walmart. I have been bringing my ads to get price matching but will Walmart also let you use a coupon on top of the price match or am I going to have to go to Brookshires or Albertsons to use my coupons on 'sale' items? Also, does Walmart give you a hard time with buy one get one free items as a price match from Albertsons. I have had a hard time with that in the past.
Good point! Walmart does not match BOGO offers...only a specific price. That's their policy. And YES, they let you use your coupons on the same item that you use your ads to get another store's price for. Those have been some of my most fun savings to get!
Fun! Thanks for sharing. I have been price matching for a long time and have avoided coupons, because of time. I am thinking I may have to venture into the coupon world soon. I also plan to try the Dallas paper to look at ads, I never do that I just comparison shop with the grocery stores. I will let you know how it goes if I can get organized.
We did a GOB of comparison shopping when we owned the coffee shop. Generally speaking, Aldi is the least expensive option (around here---not counting coupons/ specials etc...). They even have a menu planning website. I save $$ on groceries by making a list and then sending my hubbie shopping. (Impulse control is not a general problem he has!)
Girl...all I can say is: WOW.
These are seriously great tips. I am hoping to be able to have the time to "learn" all these new things after my baby is born...since it sounds like there is a learning curve involved!
Carrie
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