10 Ways to Slash Your Grocery Bill in Half

10 Ways to Slash Your Grocery Bill in Half

I have had a bad habit of WAY overspending when it comes to groceries… or food in general. We eat out way too often, and pick up fast food more than I’d like to admit. With the New Year I committed to making all meals at home to help with our bills and overall health. Not going to restaurants is not enough though for me. I’m guilty of shopping hungry and throwing whatever looks good into my cart and blowing my budget out of the water. The following are 10 things I have been doing to cut my grocery bill in half each week.

Meal Plan- Always have a plan before entering the grocery store. Take the time to look through your pantry, freezer, and refrigerator to see what you already have. Try to incorporate what you already have on hand into your recipes for the week. I make all meals for my family, so I meal plan for breakfasts, lunches, and dinners for the week. When walking through the store with no plan or list, it is easy to just start grabbing things without thinking them through. This may cause overspending, food waste,or multiple trips to the store if you forget something. Don’t go to the store without that plan in hand!

Cash- Set a grocery budget and stick to it! Keep cost in mind as you are creating a meal plan for the week. Once a budget amount is decided upon, take cash to the grocery store to pay at the register. Cash gives you a finite amount to spend so you need to watch prices closer. When paying with card it is easier to go over your budget. Paying cash is a great way to keep a handle on all expenses when you are trying to save money or budget.

Calculator- Bring a small calculator along with you to the grocery store, or use your phone’s calculator. I like to bring a calculator along so I can physically type in the cost of each item as I’m placing things in my cart. Keeping this running total literally in the palm of my hand keeps me focused on my budget. Since I shop with cash, I want to be sure when I get to the register I have enough to cover the bill. I don’t want to have to put anything back, and I’m determined to not grab for my card at the grocery store anymore.

Outside Perimeter- The perimeter of the store is where you typically find the fresh produce, meats, and dairy items. These are typically the healthier, whole food items. Foods found on the inner aisles are usually the highly processed, sugary, salty snack foods that can jack up your bill if you add too many to the cart. Stick to the outside perimeter for healthier options.

Stay away from pre packaged when possible- Packaging costs money. Buying a bag of 7 pre packaged apples is more expensive than bagging 7 apples yourself. Pre rinsed and trimmed lettuce is more expensive than buying a bunch of lettuce and cutting it yourself. Opt for bagging items yourself and washing, cutting, and portioning them yourself at home. It’s a little extra work once you get home, but there is no need to pay more for the same thing just for a bag with a fancy label.

Meatless Monday –Meat is expensive. Incorporating more meatless meals can help cut down costs on your grocery bills. Try incorporating a beans and rice meal at least once a week. Beans and rice are really cheap, filling, and there are many fun ways to spice them up. We have beans and rice on hand almost all the time in our house because they can be used for lunch, dinner, or even a hearty breakfast burrito.

Marked Down Meat– Grocery stores mark down their meat products when they are nearing their sell by dates. When you see these deals at the store, scoop them up to use in a recipe that night, or pop them in the freezer to use at a later date. I try not to buy meat at full price if possible. This is one area where I will stock up, even if an items is not on my grocery list for week. If it fits in my budget, I will buy a little extra. The savings are SO worth it!

Break Up with Name Brand- We often pay a higher price for name brands and there really is no reason to. Often times store brands are just the same as the name brand, but with a simpler label and lower price. Check the ingredients to compare your favorite name brand item to the store brand equivalent. Give these off brands a try! You might not even notice a difference.

Soup and Chili-When cooking soups and chili try to double the recipe and freeze half for a later date. This saves on time and money for purchasing the ingredients. Freeze your soups in gallon freezer bags and mark the soup type and date it went into the freezer. Soups with beans instead of meat are an even greater savings.

Drink Water- Water is good for you! Juices, teas, sodas, and alcoholic beverages are full of sugar and empty calories. These sugary beverages if purchased on a weekly basis can really take a toll on your grocery bill. I stopped drinking alcohol over the summer and I’ve seen such a change in my grocery spending. I’m also not running out to buy a bottle of wine mid week which always leads to grabbing a few more items I probably don’t need. We drink mostly water at home that we filter ourselves. We don’t buy bottled water. If we want water on the go, we fill a reusable water bottle. Stick to drinking water if you can!

What do you do to save money at the grocery store? I would love to hear any other ideas. The more ideas we have, the more we can save!

Saving $1,000 Fast!

Saving $1,000 Fast!

I have been reading a lot about Dave Ramsey on blogs and watching videos on YouTube of him, or people who follow him. One of my New Year’s resolutions this year is to spend less money so I can save more. I have been trying to figure out ways to do this. After listening to Dave Ramsey’s advice, I am going to work toward his 7 goals. You can read more about his goals here, but I am only going to talk about the first one because that’s where I’m at … step 1. Oh boy.

Goal #1 he says before anything else is to get $1,000 into a savings account as quick as you can. This is a small emergency fund as you start your debt reduction and savings journey.

A little background on me, we are definitely in debt. Not a huge debt, but enough to where I have had it with credit card bills and we have had a few VERY close months. My husband and I bought a house and began renovating it even before we moved in. It is a fixer for sure, but we love it and it is becoming more and more comfortable. I will share about some of our do-it-yourself renovations in later posts. Anyway, we have a pretty big (for us) mortgage payment. We have also acquired credit card debt from buying furniture, building supplies, and decorations to make our house a home. I will admit… I compulsively buy things online that I really don’t need, but I’m going to stop this habit. We also have been eating out A LOT since we moved in because I am not the best cook, but I’m working on it. All of these small purchases have amounted in several credit cards with a good amount of debt on them.

I REALLY want to start a college fund for my son, invest, and save for retirement some day. In thinking about these goals I really need to get rid of this debt because we are throwing our money away in interest payments. That is were my google searches led me to Dave Ramsey’s advice. So here I am… at goal #1… trying to figure out where my cool $1,000 is going to come from when things are so tight already. Here are my ideas:

  1. I have some extra chromebooks that purchased with my own money that I had previously used in my classroom and I no longer need now that my school is providing chromebooks for all the students. I could sell these chromebooks maybe for $100 each? That could be $500 if I’m lucky right?
  2. We have some extra furniture that we decided we don’t need in the house that I could sell on those neighborhood apps.
  3. We had a bunch of crushed soda cans that we had been collecting since we moved here that we turned in last week. $40 came from the recycling of the cans, but hey… every bit counts.
  4. I recently downsized to a plug in Prius which I mentioned in my post here. This brought my monthly car payment down quite a bit and should help my gas expenses as well. I could dump the extra money that would have gone to my car into our savings account.
  5. Meal planning- I spend SO much money on groceries for my small family and honestly a lot of food goes to waste. I can be more intentional with my shopping and meal planning to make budget friendly meals my boys will actually eat. I will post about any successful meals in a later post. I said above that I am not a great cook.
  6. Eating Out- Done. Over. No More. At least for now. We blow a lot of money on eating out. We don’t even go anywhere great, just fast food, but WAY too often. If we don’t go out, we should have some extra funds at the end of the month.

That’s all I got so far… but that is ok, it’s a start. I am going to try these 6 things for the rest of this month and see if I can get that Goal #1 accomplished. $1,000 emergency fund is my end of January goal. Let’s see how it goes. I will update at the end of the month how it went and if I was able to reach Goal #1.

Do you have any other tips to help save money in a pinch? I would love to hear more ideas. What works for you? Anyone else dug their way out of debt and have some tips for the rest of us? Anyone need a chromebook?? :0)

No Spend Year- Can I do it?

No Spend Year- Can I do it?

I have read many different bloggers and watched several different YouTubers who are promoting a “No Spend Year.” This is a strategy to help people save money by really focusing on where their money is going. In a “No Spend Year” people are to cut all extra spending outside of the necessities. We often spend money without really thinking through our decision. Do we really that toy, piece of clothing, or sweet treat? Will we use this item again? So many times we make purchases on a whim and don’t actually need or really even want the item.

I feel as though I do this a lot in my life. I am not in debt because of large purchases of extravagant or fancy items. I am in debt because of the many small purchases I make day to day. Grabbing a bag of chips at the gas station, a pack of gum at the grocery store, or a new toy for my cat (who has never actually played with any real cat toys.)

Most recently my husband and I were finishing up our Christmas shopping with our toddler in tow. As we were in the checkout line to purchase my father-in-law a new vest, my toddler became restless. He was tired, hungry, and waiting in line is incredibly hard when you are not even two yet. He started to fuss. To entertain him we picked up a ball out of a basket right by the checkout line. A small yellow bumpy ball with a happy face drawn on the front. My son played with it for a bit in line and it entertained him until we were ready to check out. At the register I planned on telling the cashier that we did not want the ball, but when she asked if he was keeping it, for some reason I said yes. I don’t know why. Maybe it was easier. When she rang up the ball, the price was ridiculous for a little rubber ball, but I paid for it and we were on our way. I have regretted that purchase ever since. Not that it was so much money, but that it was a dumb purchase. I certainly don’t need more bouncy balls in the house, and my son lost interest in it as soon as we walked out the door. He has never picked up that same ball to play with it. I look at that ball and think about how I just flushed seven dollars and fifty cents down the toilet.

This situation is what came to mind when I read about starting a “No Spend Year” for 2019. I do spend money without thinking. I think a lot of us do. In my quest to live simply and enjoy the little things in life more, I like the idea of a “No Spend 2019.” I decided to modify the idea and make my New Year’s resolution to spend less so I can save more. I talked it over with my husband. He doesn’t like resolutions because he says they are making false promises to yourself. I disagree. I think resolutions can help you take a look at your life and refocus or reset. That is what I am going to try to do in 2019, refocus and reset my spending habits. I will use the inspiration of the “No Spend Year” to make myself take a second look at where my money is going and to think each purchase through before I make it.

I have already caught myself several times in this first week thinking I would just run out and grab something, or we “need” this or that, when the items I’m thinking about are really not necessary, and if I wait long enough, I forget I even wanted them. We live in a small house that we have been renovating since we moved in. I am constantly redecorating the house in my mind and often run out for candles, curtains, pillows, etc. that I think would look great. This often comes after watching home decorating shows. I wonder how much money I have spent on home goods in the past two years? Just the other day I convinced myself that an indoor tree was just what I needed to break apart the wall between the dining room and the living room. As I was planning my trip to the nursery, the “No Spend Year” rules popped into my head. Do I really need the tree? No. Is it a necessity? No. I took my shoes off and sat down on the couch. Now what? After thinking for a bit, I decided to look around the house for things I could reuse or repurpose to get the same effect. I remembered this old forgotten potted tree we had on the side of the house. It wasn’t pretty. It was pretty neglected, but it was about the same size as what I had hoped to buy. I dragged the tree in the house, cleaned it up, and pruned the branches a bit. You know what? It looks pretty good! It is not the same color or style I had thought I wanted, but it does the exact same thing I had wanted the new tree to do, except this one cost a whopping $0 instead of maybe $60-$70. I am proud of my restraint, and pretty happy with the outcome.

I consider that $60-$70 I would have spent on the new tree and pot savings now. This is now money that I can put to use on our necessities, or paying down credit card debt, or starting that college fund I wish I had started before the baby was born. I hope that the inspiration of a “No Spend Year” will continue to help me resist the urge to make silly, on a whim type purchases. I wonder how much I will actually save? I don’t know if I will actually be able to do a full “No Spend Year,” but I’m going to try.

Things I will spend money on:

  1. Food
  2. Home Mortgage
  3. Daycare
  4. Bills, so many bills

Financial Goals for 2019

  1. Pay off two credit cards
  2. Start a college savings account
  3. Live on less

Things I will need to limit:

  1. Online purchases
  2. Home decorating items
  3. Extra snacks/dessert we don’t need
  4. Eating out
  5. So. Many. Toys!

This is just one of my New Year’s Resolutions this year. I hope it does not become a false promise to myself. I hope it sticks and helps me to create a new money mindset. I want to simplify my life and surround myself with the few items that are special to me and really bring joy to my life. Here’s to a “No Spend/Low Spend Year!”

I’ll let you know how it goes 🙂

Are you giving this a try? What are you including in your will buy/won’t buy lists?

Why I changed from a large SUV to a Prius

Why I changed from a large SUV to a Prius

“Too many people spend money they earned..to buy things they don’t want..to impress people that they don’t like. “

Will Rogers

In my journey to create a more calm and simple life, I decided to downsize my vehicle. BEST. DECISION. EVER.

When I became pregnant with my son, I thought I needed a big car with lots of space and lots of seats. I was driving a five seater, small SUV at the time, but that was not enough… I needed more… there was a baby on the way! I needed space for stuff, all kinds of baby stuff that I was sure I would need to travel with me from place to place to take care of my new little man. My husband and I decided to purchase a very big, and very nice eight seater SUV. I loved my new car. Plenty of seats, plenty of storage space, and all the bells and whistles a car could offer. I felt like I was a prepared momma.

When my baby boy came, the car served our needs well. I had plenty of space to store my stroller, my pack and play, and tons of toys. I had plenty of room to nurse the baby in the back seats for privacy, or pump on my lunch breaks. At the time I was very happy with the space I had.

After over a year of driving this large vehicle around I had a moment where I stopped and really thought about how this car was serving me and my family now that my son is a toddler. We don’t need so much stuff now. I don’t carry a stroller, or pack and play, and I don’t need room to nurse the baby. The car was becoming filled with stuff I don’t really need. I was carrying around way too many toys, snacks, clothes, and junk that just didn’t need to be there.

Most days I am the only one in the car. I have over an hour commute to work each day, so it’s just me, seven empty seats, and a collection of stuff sitting in traffic each day. I pick up my son from daycare in the afternoons so for 15 minutes one of the seats is filled. Do I really need all of this space?

No. I don’t. In my quest to simplify my life I took a look at my car and realized that I do not need the big “Mom Car” that I thought I did. I have a small family with just three of us. I don’t need eight seats traveling down the road with me every day. I also thought about how much I am paying to own this car and how much gas I use each month. I realized the money I could be saving if I downsized and how much more I could save with a hybrid vehicle.

After several conversations with my husband and our friends, we decided to go take a look at some smaller cars. I have a commute, so fuel efficiency was one of my top priorities. We settled on a Prius. A little, silver, used, plug in hybrid Prius. We traded in our big SUV that had served us well for the time we felt we needed it, and drove home in our much smaller, five seater, but oh-so fuel efficient Prius.

Simple. Small. Perfect. I have been driving my Prius for a week now and I absolutely love it. I have all the space I need to fit my family, my work bag, a few toys, and even my large haul of groceries. I feel so much more streamlined in my new car without all the empty space.

This decision has also been great for our bank account. For 2019 one of my resolutions was to spend less so I could save more. (More on this in a later post.) This purchase has been a great savings for our family. My car payment went down by a couple hundred dollars a month, my insurance premium decreased by $400 for the year, and the gas savings is incredible. The extra money can go right into paying off other debts and starting our planned savings accounts.

I don’t miss the space of the large SUV. I am not angry that I ever had it though. It served its purpose, for a time, but that time has passed. Did I really need the large SUV back when I first had my baby? Probably not, but it gave me piece of mind at the time. I am very happy with our decision to downsize our car. I feel lighter. Lighter payment, less clutter, less empty space, and the bonus of less environmental impact. Change can be scary, but this change was good. One step in a simpler, calmer life for us.

I would love to hear what kind of car you drive that fits the needs of your family. I would also love to hear from any Prius owners why you chose a Prius and why you love it. Please leave me a comment below!