When you need to cut bills drastically, learning how to save money on groceries is the perfect place to start.
You can save a ton of money on your food bill when you know what groceries to cut back on and how to spend less.
Because when money is really tight, you can cut some of your bills right out, put yourself on a no spend budget and stay in every night.
But you’ve still got to eat, and food costs money.
And food is often the one thing you have to look forward to when you’ve cut everything else to the bone.
Let’s face it, if you’re not going to the movies, not buying clothes, not going out and trying to pay off debt. The last thing you want is to eat basic noodles and rice every night.
We all need something to look forward to in our day even if it is something as simple and cheap as that night’s dinner.
I can eat basic food like porridge and a green salad every day during the day. But don’t take my home cooked dinner with lots of tasty vegetables away from me!
Good tasting food is brain food. It makes you feel satisfied and happy.
If you’re not enjoying your food then you are taking enjoyment out of your life and there is no need. Because you can learn how to save money on groceries right now.
And still enjoy eating.
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Working Backwards – Do This One Thing When You Get Home from the grocery store
After you’ve saved money with all of the following tips (and you will save so much I promise), always take one minute to do the following.
It’s so simple yet so effective in giving you extra for that one minute.
Scan Your Receipt Through Fetch
Fetch Rewards is a free grocery savings app that rewards you just for snapping pictures of your receipts. That’s really it.
You get free rewards on groceries on thousands of products every day, no matter where you get your groceries. Just scan your receipts to receive rewards.
In The UK? Scan Your Receipts Through The Storewards App
The Storewards app works in the same way as Fetch, all you need to do is snap pictures of your receipts.
Even better though, it allows receipts from all purchases made (in-store and online), up to 20 receipts a week, not just groceries. Plus you get a daily bonus just for logging into the app.
Use referral code l8iph to get 250 bonus coins when you sign up today.
The planning stage
Learning how to save money on groceries starts at home. The key to reducing your food bill is taking the time to plan.
I’m not talking hours, but just a little focused time on the following strategies will help you slash your grocery budget.
Check out my post about how much should I spend on groceries to help you set the right grocery budget for you.
The most important part of cutting your grocery bill is knowing what meals you are going to be cooking and therefore what ingredients you need.
If you have a mental block about sticking to a meal plan or creating one then I suggest you use $5 meal plans.
For just $5 a month you get a weekly meal plan and the shopping list of ingredients all done for you.
You can try before you buy with their 14 day risk free trial
Your Shopping list
To save money on your groceries you absolutely need a shopping list. Otherwise you’ll be throwing things into your trolley without real thought and will get a shock at the checkout.
use what you have
You’ve already spent your hard earned money on the food in your fridge, freezer and cupboards.
These are the places to start with when you are thinking about meals for next week. Create a meal plan around what you already have and you won’t have to buy so much at the store.
Plan on using your freezer to make meals you can pull out and finish off in double quick time.
Freezer meals help you stick to your meal plan because there is little prep time on your return from work.
Myfreezeasy is a personalized freezer meal plan to suit your time, tastes and budget.
Make 10 meals in just an hour. With recipes that require little to no pre-cooking, you can quickly and efficiently get them ready to freeze.
Myfreezeasy meal plans come with videos, shopping lists and simple to follow directions to get your bulk meal prep done in no time at all.
Myfreezeasy is not a done for your meal plan, it’s a program where you are always in control.
Choose the freezer meals you want to prep with their simple drag and drop tool. You can even use their mobile apps to do this. Do your choosing while you are queuing some place else.
All the freezer meals are budget friendly recipes.
But not only are they budget friendly, having a stash of freezer meals means you need never resort to takeout and can stick to your meal plan more easily.
Learn to say no
When planning your shopping list others in your family might request certain items.
If your budget is tight you will not be able to buy what everyone wants. Be honest and tell them so.
If that fails, get them involved in planning your shopping list and working out the cost. Show them how quickly your grocery bill can rocket.
Get your portion sizes correct
I don’t know about you but getting the portion size right can be a bit hit and miss.
Get it right and you save money. Get it wrong and you end up with lots of leftovers, which might not a bad thing if you always eat them.
stock up on cheap food
For my full list of cheap foods to stock up on, have a read of this post:
avoid chaos in your fridge
An organized fridge allows you to not only see what you still have but be able to access everything and check their best before dates.
A disorganized fridge leads to wasted food. And wasted food is wasted money.
plan on paying with cash
Cash concentrates your mind unlike paying with a credit card.
A credit card can feel like it’s not real money, until the bill hits you the following month, by which time it is too late.
When you pay with cash, you have to physically hand over the money you have worked hard for.
And of course paying with cash means if you only take just enough with you to the store you cannot overspend.
Cut right back on these items
Don’t buy diet foods
They are expensive and unnecessary. Especially when you’re broke. You and I know that the key to losing weight is eating less calories than you burn, whether we like that idea or not!
Buy less red meat
Beef is more expensive than pork which is more expensive than chicken. So plan your meals around the cheaper meats.
Cut down on soda
It costs more than water or cordial so make it weekend treat or special occasion
Forget bottled water
There is really no need to buy water to drink in the western world. Our water is almost always safe to drink. If you can honestly say your tap water tastes foul then invest in a water filter jug.
tactics to use to save money on groceries
Going shopping can become something of a military operation. Especially if you have a large family to feed or are focused on monthly grocery shopping.
Not only do you need to be armed with a meal plan and a shopping list. You need these tactics to help you achieve the best prices on the food you buy.
Shop less often
Limit yourself to shopping at most once a week and see if you can go longer. Some people aim for once every 9 or 10 days. They get a week ‘free’ each month by doing this.
Don’t take the kids (or the husband). I can’t remember ever getting round the shops when accompanied by kids or Mr2p without spending extra.
When you’re shopping on a budget, you don’t need the hassle of others adding extra items in.
Create price rules
For many years I had a price rule that for a family of 4 I would pay no more than £1 for the protein/meat element of the meal.
This price rule meant I stretched the meat I did buy to cover more meals and I wouldn’t buy if the cost went above the ceiling I had set.
You do need to amend your rules occasionally though!
I realized I hadn’t bought any ground/minced beef for 3 months because the price had risen above my ceiling limit.
The family were craving chilli and spaghetti bolognese for a long time!
Keep a price book
Many food items have more than one price. The normal price, a slightly reduced price (or rollback price) and a sales price.
Use a price book to know what your favorite items different prices are and only buy them when they hit the sales price.
Don’t shop when hungry
I know you already know this one. When you are hungry everything looks more inviting and your mind tells you to buy more food.
Don’t buy more than you need
It took me a long time to realize that just because something is a bargain it doesn’t mean I should buy it. If you’re not going to use it, it isn’t really a bargain, no matter how cheap it is.
Shop at more than one store
Most grocery stores have loss leaders designed to entice you into their store. And each store has different loss leaders so they are not in direct competition.
Shopping at more than one store enables you to buy the loss leaders at all the stores you visit and get a bigger discount on your groceries.
Set a weekly Grocery budget
You only have a finite pot of money, so create a food budget and make yourself stick to it.
Use budget grocery stores
If you’ve got a local budget store like Aldi or Lidl then you could save 20% or more by shopping there. Alternatively shop at your local wholesalers like Costco for some big savings.
Shop at the right time of day
Late night shopping is bad for your budget. The cheapest items can often be out of stock so you end up buying the more expensive version.
You’re tired so make some less sensible decisions just to get your shopping done and get home.
Try to also shop when it’s less busy, there’s nothing like a crowd to increase your stress and decrease your ability to think logically.
Try local/farmers markets
Some markets can be perfect for finding cheap fruit and veg, especially if you visit them towards the end of the day when they are trying to sell off the last of their stock.
Although you might end up missing out on some key items so be aware.
Use discount shops that sell products past or close to best before date. These can be both online and in your local area.
Understand the dates
All food products have dates on them but with different wording. Best before and use by are the most common ones.
These dates are designed to guide you in how long you have before you need to or might want to eat that item.
But they are not do or die dates. Many people buy products that are past their best before dates from deep discount stores.
Check your local health department for their advice on food dates.
Buy in bulk
Buying in bulk can get you a better price than when you buy a more normal sized packet.
But not always so you should always check the unit price of the bulk items to see if you really are getting a good deal.
You also need to factor in how much you actually eat of the bulk bought item. Rice and pasta you might get through on a regular basis.
But catering cans of beans? Perhaps not.
Buy in bulk where you know you use a lot of that item AND you can store it safely for a long time.
Want to truly conquer your grocery budget? Join the grocery budget challenge now
How to save money on groceries – forget convenience
No salad bags
Plan your salads and sides based on making you own from a head of lettuce, tomatoes, other leaves.
No pre-cut veggies
You’re paying twice or even three times the price just so someone else cuts up your food for you.
How to save money on groceries? Cut and peel your own fruit and veggies!
Grate your own cheese
Grated cheese usually costs more money per kilo than block cheese. Give your arm muscles a work out and save the money.
Don’t be a sucker for character packaging
You know the sort, usually aimed at kids with princesses and heroes on them. These always come at a premium cost for not very much product.
Forget fruit juice
If you want some of your 5 a day then eat fruit don’t drink it. Fruit juice is expensive and is not great for your teeth if you drink it often.
As I can testify with a mortifying visit to the dentist when DD2 was 8 and needed a filling due to too much apple juice.
Don’t buy individual serving packets
For example porridge pots, breakfast cereal multipacks or coffee sachets.
Avoid the snack packs aimed at children’s lunchboxes (or adults) such as mini boxes of raisin, cheese portions and mini boxes of prepared fruits.
Instead of these individual serving packs and snack packs, buy the bigger, more economical size. You can portion out into individual pots and reusable bags.
Don’t buy prepared foods such as ready made potato salad, ready meals
You’re paying for someone to do that preparation. Something you can do for free. Buy the ingredients and make these yourself.
don’t fall for stores dirty tricks
All grocery stores are designed from floor to ceiling in ways to make you spend more money than your list would indicate.
Stores employ marketing consultants and psychologists to understand our behaviors and exploit our weak points.
Don’t let them!
The tricks stores use to make you spend more
Essential items like milk and bread are always at the back of the store.
You have to walk through the aisles and are exposed to all the other tricks the stores use to catch you eye and encourage you to buy more than you planned.
Healthy fruit and veggies are always at the of front of the store.
Did you know these are always at the front of the store so we shop there first and don’t feel so guilty about the unhealthy things we add into our trolleys later?
Expensive brands are at eye level
Our eyes are drawn to things at our own eye level so expensive brands are always just there.
You need to look to the bottom or very top of the shelves to find the value and generic brands. Which are of course the foods to buy on a budget.
Tills covered with treats
You get to the checkout and think you’re safe only to be hit with chocolate and sweets and a drink or 3.
If you’ve got kids and you’ve managed to say no until now, the chances are you’ll give in at this point and buy them something.
Bigger sizes not actually cheaper than smaller packaging
We are conditioned to think that bigger packet means lower unit cost (price per kilo) so we are more likely to buy bigger.
But this is not always the case. Always check the unit costing and use that to guide your buying
Leave out of date promotions on display
You think you’ve got a bargain and haven’t.
If you don’t realize at the checkout you’ve then got to decide whether to waste time queuing up to claim refund or suck it up.
It’s worse if you don’t notice the increased price until you get home.
This is one of my pet peeves. I HATE thinking I’ve found a bargain only to find I haven’t. I feel cheated!
BOGOF deals (buy one get one free)
These are always on a premium branded product, never the cheap and cheerful generic brand.
It can often still work out cheaper to buy 2 of the value or generic brand than the BOGOF. Do your math (or rather, get your calculator to do it for you!)
how to save money on food shopping At the store
Once you get to the grocery store there are still more ways you can be looking at how to save money on groceries even as you move around the store.
Stick to your list
Remember to stick to your list, this is the most important tactic of all when you are looking at how to save money on groceries right now.
Starting out your list might not be perfect but stick with it and within a few weeks you will be an expert at both writing your list in advance and sticking to it.
Fruit & Veggie sizing
When buying fruit by the pound/kilo choose the smaller sized fruits. That way you get more individual fruits for the price. Apples and oranges are great examples of this.
When buying fruit by the cost per item the opposite is true. Focus on buying the largest item as it costs you the same as a smaller one.
Broccoli, cauliflower and swede/turnip are good examples for this tactic.
Generic and value brands
Don’t buy premium brands just because.
Generic and value brands cost much less than premium and taste just fine in their own right.
Premium brands cost more partly because the manufacturer needs to recoup all the advertising money they have spent trying to tell us their product is best!
How to save money on food shopping every week? Go generic for everything, you’ll save so much money.
Cut back on alcohol
Or stop buying it altogether. Alcohol is expensive and many governments add a whole heap of tax on top of the base price.
If you don’t want to forgo alcohol completely (and I am with you on this one) then cut back or switch to a cheaper brand.
I usually buy generic spirit and wine brands to keep costs down.
Check unit prices
(it’s in very small print on the shelf edge label). Sometimes smaller packets are cheaper than the bigger ones. Never presume the bigger packets are better value.
Buy bigger cuts of meat
Rather than a one meal size of minced/ground beef, buy the large family pack.
Buying the big cuts of meat to use for more than one meal, you can use the extra meat for other meals and soups. You can also cut the meat into smaller pieces and freeze the excess.
Don’t buy sandwich meat
Use the tip above and use home cooked pork and chicken in your sandwiches instead. Far superior in taste and far cheaper.
Buy frozen fruit & veg instead of fresh
These can work out cheaper per kilo, have just as many nutrients in them due to the quick freezing process. And there is no wastage at all.
Its better for both your food budget and the environment.
Buy a whole chicken
Whole chickens are much cheaper per lb than chicken breast so buy whole and learn how to cut it up.
If you are not into cutting up chickens (and I am not a fan) then chicken legs or thighs are much cheaper than breast. Personally I think legs and thighs taste better than breast anyway.
Chicken is one of the best foods to buy on a budget, it’s a staple of my budget grocery list and the one meat we have continued to buy when money has been tight.
Buy frozen fish
Fish is expensive whatever form you buy it in, in comparison to many meats. But frozen is definitely cheaper and more accessible than fresh fish.
In the UK there aren’t many fishmongers around so those that are left tend to be on the very pricey side.
Buy canned food
It lasts for ages and means you’ve always got food to fall back on when tough times hit.
Choose the fruit and vegetables for your meals based on what is in season. Asparagus out of season is much more expensive in the UK. The same goes for strawberries.
For more help, advice and tactics to completely overhaul your food bill click here:
Make Changes on the fly
Check out the dented section of store for reduce cans and packaging. If you see items that you would normally buy but aren’t on your list this week, buy them anyway.
This is a great way to save money on your food bill, stocking up on your usual items at a much cheaper price.
Check out the fresh clearance section
These tend to be near dated products that will need either freezing immediately or using up in pretty quick time. You can get fresh clearance items for half price or less if you time it right.
It makes sense to change your meal plan on the fly when you spot something cheap that you would usually pay full price for.
Ways to save money when you hit the checkout
Bring your own bags
Don’t pay for bags each week, bring your own reusable ones.
It’s not only cheaper, it’s better for the environment to reuse something over and over again rather than have new bags being used every day (paper or plastic).
Use coupons strategically
- Coupons done right save you money that you would otherwise have spent.
- Coupons done wrong mean you save money that you wouldn’t have spent.
What do I mean? Coupons are often for premium brand products. If you never buy premium brands then will a coupon actually save you any money at all?
When you are just starting out it is wise to learn how to save money on groceries without coupons before adding coupons into your shopping habits.
When I’ve got coupons I always check the products full price, then the discounted price. Then I compare it to the value or generic brand I would have bought.
99 times out of 100 the value brand is still significantly cheaper than using that coupon on a more expensive brand.
So I don’t use the coupon because I’m going to spend more money in reality.
Check your trolley
Before you get to the checkout check what’s actually ended up in there and remove items not on your list or extra snacks sneaked in.
As much as you and I might try to only ever stick to our grocery list, extra items somehow jump into our trolleys without our knowledge.
Be wise to these secret trolley jumpers and remove them before you end up buying them.
Get cashback on your shopping
Using a credit card which rewards you with cashback is a great way to earn or save a little money on your groceries.
However, only use a credit card if you ALWAYS pay off your bill in full. There is no point earning 0.5% cashback if you are paying 20% in interest!
Always check your receipt before you leave the store
Mistakes happen, too often for my liking. Whether it’s deals that have expired on the computer but the shelves still show the discounted price.
Or clearance items being scanned through at full price.
You do not want to think you are paying one price for an item only to find when you get home that you’ve been overcharged. It’s so annoying!
Checking your receipt before you leave the store means you can quickly pop back to customer service and get the mistake rectified.
If you find the error after you’ve got into your car or worse, when you get home, you are highly unlikely to bother getting the money back.
It would cost you more in fuel, parking and time to claim these small amounts back. But it is your money so do not shy away from asking for the mistake to be rectified.
Things to do when you get home
Scan your receipt through Fetch
Fetch Rewards is the free grocery savings app that rewards you just for snapping pictures of your receipts. That’s really it.
You get free rewards on groceries on thousands of products every day, no matter where you get your groceries. Just scan your receipts to receive rewards.
fill your freezer
Use your meal plan to organize your fridge and your freezer. Foods you will be eating during the next couple of days can go in the fridge.
Foods (especially meat and fish that you won’t be eating right away) can be frozen to keep fresh.
use less meat
I find that many recipes that use meat seem to presume we should be eating 1/2lb of meat each!
Not only is this amount of protein unnecessary, it’s expensive! Cut back on the meat in your meals and bulk out with extra veggies, lentils, oats and beans.
Unless you are great at portion sizing then you will have leftovers from some meals. Do not throw them away!
Turn them into a lunch for work or incorporate them into a totally new meal. You can usually freeze leftovers so they don’t need to wreck your meal plan.
Ingredients cost money, the more you have in each meal the more expensive that meal is likely to be per portion.
Focus on simple meals that involve fewer ingredients, and limit exotic ingredients to occasional use.
Cook cheap meals
Meals with fewer ingredients are likely to cost less than those with many ingredients but they can still be expensive meals.
Focus your meals on using cheaper ingredients so the whole meal is cheap. Meals made with rice, pasta and beans can cost less than $1 per portion.
Homemade snacks are so much more tasty than shop bought.
Sure they take longer to make than picking something off the shelf but they are often cheaper and healthier, with less additives.
Grow a garden
Growing your own food can work out cheaper than buying your fruit and veggies from the store. Especially if you concentrate on growing the more expensive products.
If you don’t have a garden you can still grow fresh herbs on your windowsill and things like tomatoes and beans in pots on a balcony.
pack your lunch
Lunch out at work can easily set you back $5 for a basic sandwich and ramp up to $10 in no time if you opt for something a bit more plush or add in a drink and a snack.
Instead, take 10 minutes each day to pack a lunch. It will be more tasty and certainly save you a good chunk of change each week.
Use dried beans
Dried beans are cheaper than their canned counterparts, because you need to do a little extra work to get them to their ready state.
But putting in this extra work (I’m talking soaking overnight and maybe a short pre-cook depending on the bean) saves you money
I bulk prepare dried beans to save time. I soak an entire bag of dried beans and pre-cook them the next morning.
Then I portion them out into recipe serving sizes and freeze them, ready to take out when needed.
Invest in a slow cooker
A slow cooker is the perfect tool to use to not only save money but also save time. You can quickly prepare a meal in the morning and come back to it fully cooked later that night.
Not only that, you can batch cook multiple portions in a slow cooker. Cook once, eat twice (or three times).
Freeze the extra portions you make so you have home cooked ready meals in your freezer for busy days and tired nights.
Meat is often the most expensive ingredient in a meal so if you take it out then your meals just got cheaper.
I’m not advocating becoming a vegetarian but having a couple of meatless meals each week will really help to save money on your groceries.
Beans are a great source of protein and fiber and are super cheap. Use them to replace meat or focus on meals that use beans as a main ingredient. My favorite bean meal is 5 bean chilli.
Shop bought spice mixes sure are convenient. But we are looking at how to save money on groceries and spice mixes is one place you can save money.
Make your spice mixes and you can get the flavors just right for you.make your own spices mixes instead of buying ready made
How to save money on groceries
As you can see there are so many different ways to save money on your food shop. It’s not just about seeking out cheaper products.
You need to think tactics, plan and prepare where you shop, who you take with you (no-one) and what meals you are going to eat.
Put these all together and you can save big on your food bill. You don’t even need to follow every tip, use the ones that work best for you. Try new ideas to see if they work too.
For more help in taking back control of your grocery spending join the free grocery budget challenge.
Come and follow me on Pinterest for more money saving hints and frugal tips!
Last Updated on 3rd March 2021 by Emma