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25 Supermarket Tricks You Should Try Now To Save More Money

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25 Supermarket Tricks You Should Try Now To Save More Money

If you follow the 50/30/20 budget created by Elizabeth Warren, you’ll find that 50% of your income should go toward the essentials — housing, utilities, and groceries. This means that it’s important for you to ensure that your dollar goes a long way so you can save the most money on this essential part of your budget. But how can you do that? Thankfully, there are a ton of tips, tricks, and mobile applications available to help out. Today, we will take a look at 25 supermarket tips and tricks to help you save money.

1. Join Supermarket Rewards

Various grocery stores have supermarket rewards programs that allow you to save a certain percentage on purchases, and receive exclusive offers and coupons. Check your local grocery store’s websites or ask about them in-store. Most of the time, they come in the form of a reward card or simply through using your telephone number. This means that when other family members go shopping, they can help rack up rewards for the whole family.

2. Don’t Buy Heads of Lettuce

A head of lettuce may seem like a cheaper option; however, because they are more likely to rot faster, they may be a wasteful option in the end. In addition, a head of lettuce could be more than you’ll actually need for your weekly meals. Bagged or boxed lettuce is much better than iceberg.

3. Know When to Buy Bulk

If you have certain groceries that are consistently purchased each week or month, you may find that buying in bulk is a cheaper option. Instead of buying a box each week for $2.50 each, you’ll save more purchasing the $6 three pack. This works best with groceries that don’t perish quickly.

4. Create and Maintain a Budget

The only way you can truly save money is to plan before spending, not vice versa. Giving yourself a grocery allowance ensures that you have a spending goal to not surpass. A common practice is to use the envelope method to save money each month.

5. Bargain Shop by Store, not Item

Chasing a coupon or item offer may seem like the smart option for a savvy shopper. But the truth is, you should branch out to other grocery stores to ensure you’re getting the biggest bang for your buck. The local small-box store may not offer the discounts and subsidies of the big box store nearby.

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6. Check Out Grocery iQ

Grocery iQ is a great application for individuals who are trying to formulate a grocery list. Through the use of barcode scanning and auto-suggest, you can create smart lists in no time. In addition, Grocery iQ is powered by Coupons.com, which means you’ll be connected to some amazing deals with the coupons offered through the Grocery iQ website. Grocery iQ is free to download on the App Store.

7. Make Use of Cellfire

If you find yourself at the grocery store without coupons, a common case when you might find yourself at a grocery store you don’t frequent, Cellfire is a great way to discover coupons for various supermarkets. All delivered and easily uploaded from your phone, you can simply tap and show the coupons to the clerk at checkout and discover instant savings.

8. Share the List with OurGroceries

Chances are, if you live in a multi-person household, you don’t entrust creating a grocery list to simply one person. Everyone has an input one way or another, because everyone will be indulging in the groceries. OurGroceries allows you to create group contributed grocery lists that can be edited, marked off, and shared between the various family members.

9. Shop Smartly with Fooducate

When at the supermarket, you shouldn’t sacrifice healthy eating for a good deal. If you are still on a diet and want to figure out the health benefits and drawbacks of an item in your basket, Fooducate is the application for you. This is all complete with an alphabetized food rating that allows you to quickly know if it’s a no or a go. Fooducate keeps you educated on what you eat.

10. Download Ziplist

Through the use of meal planning, you are able to get what you need for the week or month and head out of the grocery store. Ziplist is the application for task-oriented grocery shopping. In the end, through meal planning, you are able to save money and alleviate food waste. Grocery lists can be named, dated, and shared to stay organized. This is a great way to delegate grocery visits. In addition, Ziplist also get you in touch with weekly grocery deals.

11. Ask for Rain Checks

When an item isn’t available, you can ask for a rain check so you can pick it up once it is available again. However, for many consumers, most items aren’t important enough for them to consider doing this. But you could find yourself leaving free money on the table by forgoing a rain check, especially for a bigger-ticket item on sale. Discounts are often still honored once the item is back in stock.

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12. Shop on Weekdays

You may find that the weekend is a great time to go grocery shopping, a time when you are off work and can get this “chore” out of the way in a relaxing manner. However, you’d be surprised to find that Wednesday is the best day to go grocery shopping. This is the day of the week when produce and fish is freshly restocked and most supermarkets offer deals.

13. Bring Your Calculator

Having your calculator on hand is one of the best tips on this list. In addition to calculating combined deals between those of the store and those of your coupon, a calculator can truly tell if you will fare better buying in bulk or individually. Many supermarkets bet on their customers not calculating and doing price comparisons, so you may find a price loophole.

14. Look for Clearance Stock

Grocery stores have clearance sections and racks that feature foods that are near their expiration date. While this may not be the place to go for foods you won’t readily make use of, it is a great way to save on that night’s meal or small snacks for the week. With expiration dates within a week or two of being on the clearance rack, this is a great way to save on food that will be consumed quickly.

15. Discover Recipe Alternatives

Certain recipes online are created with the partnership of sponsors. Or they may put taste first before cost. However, you don’t have to fall into their trap by spending more than you should. If a recipe calls for a certain, specific brand, unless it is the only brand that offers that type of food, you’ll be perfectly fine going with the brand that offers the best deal rather than the one the recipe calls for. Additionally, if a recipe calls for an ingredient that notoriously expensive, like saffron, look into comparable substitutes, like turmeric.

16. Discover the Art of Sampling

Sampling is more than just free food. It is in fact an art form. For the supermarket, it’s are a great way to get individuals to spend more on items they may not have considered purchasing before. However, as a consumer you can utilize sampling in many ways.

First off, to prevent impulse purchasing, seek out samples straightaway if you are entering a supermarket hungry. This allows you to shop with your grocery list and not your stomach. Secondly, sampling is a great way to know if an item you have been considering is truly good or not, preventing you from wasting money. Lastly, you don’t have to just go to Costco for the samples. Trader Joe’s has a policy of allowing any customer to sample an item in the store before making a purchase.

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17. Shop by Season

Consumers, especially in the Western world, seem to ignore that some foods do in fact have seasons. With a lot of out of season produce being shipped in, you’ll find these items to be more expensive to offset shipping and transport costs. To save money while possibly discovering new fruit, shop for only in-season items. Above, is a chart of some commonly purchased produce and their respective seasons.

18. Check out “The Whole Deal”

Whole Foods Market is seen by some individuals as an expensive option for grocery shopping. However, the myriad of healthy and organic options makes it irresistible. In addition, the many deals they offer show that you are missing out on a great grocery resource. The Whole Deal is a coupon, deals, and money saving resource from Whole Foods Market that allows you to not break the bank when shopping at their supermarket.

19. Understand Grocery Store Geography

If you pay attention carefully, you’ll notice that almost all grocery stores are organized the same exact way. This is all based on psychology to get customers to spend more in stores. To save money, it is up to you to defy these money-draining tricks that use a combination of the customer’s height, product colors, and the assumption that customers are prone to impulse purchasing.

First off, when forming your grocery list, make necessary purchases (milk, bread, etc) the first things on your list. When you enter the grocery store, dart straight to the back of the store. By doing this, you are ignoring the unnecessary, money wasting, and snacking options commonly placed at the front of the store. When looking for healthy or inexpensive options in aisles, look down. Don’t look forward or up — that’s where unhealthy and expensive options are typically found. Also remember that the freshest produce is found at the back of the row or rack they are held in. To sell older produce faster, they are usually put up front. This is the same for eggs as well.

20. Utilize Markets and Ethnic Groceries

Big box stores are notorious for offering more opportunities to save money through a combination of accepting coupons, store rewards, and store discounts. However, for some staple foods, such as rice, noodles, certain spices and teas, you’ll find that you’ll save more by purchasing from ethnic food stores rather than big name stores. The selection may also be grander and some brands may even be more flavorful than those you’re accustomed to.

21. Take Inventory of your Stockpile

Before you go shopping, take a look at what you already have in your pantry. Performing a weekly clean out and inventory of your stock of food will not only prevent you from purchasing unnecessary duplicates. You’ll also find that doing this spot check can allow you to know when some key ingredients are close to expiration. You’ll be forced to either include them in the dish or go out and replace them now before you find yourself in need of it.

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22. Discover Healthier Snacking

Spending out of your budget for chips and cookies is not only unhealthy, it can result in a waste of money too. Who knew that eating healthy can actually save you money? If you make use of fruits and nuts for healthy snacks, you’ll be paying less because these are versatile foods. Unlike chips, which don’t find themselves in dishes, you can use fruit for breakfast, as a topping on oatmeal, and nuts can be used as a crunchy topping on salad. Drizzle chocolate over strawberries and your leftover snack from yesterday is now today’s dessert after dinner.

23. Understand Your Credit Card Rewards

If you are shopping around for a credit card that will work for you, or if you are looking for ways in which your current card can help you out at the supermarket, look into their current rewards and cash backs that they offer. With my American Express Blue Cash Preferred card, I get 6% back each statement cycle from supermarkets (up to $6000 a year, followed by 1% after that $6000 limit is met). However, this is only for a select number of supermarkets, including:

  • Gristedes
  • Foodtown
  • Pathmark
  • Shoprite
  • Stop and Shop
  • Vons
  • Whole Foods
  • Winn-Dixie
  • Online supermarkets such as FreshDirect

Ensure that you know the places where you’ll get rewards for your card. This can be the best money-saving tactic out there. $9 back on $150 worth of groceries is amazing!

24. Time is Money

Saving money can be a bit of a chore for some individuals. However, there comes a time when you should value time over money when hunting for a deal. While you shouldn’t forgo driving the extra mile (or five) to save money, you should ensure that you make use of good planning to prevent unnecessary trips out of your way. If a coupon expires in two or three weeks, wait until you get to that side of town before making use of the coupon instead of going out of your way for one item. While you may spend $0.50 or $0.60 more on something, you’re saving more than that in gas money.

25. Expand Your Organic Knowledge

Buying organic is all the rage nowadays. However, along with being seen as healthier and cleaner, organic is between 20% and 50% more expensive than it’s non-organic equivalent. While it is proven that buying organic is a good choice, you can save money by selectively purchasing organic. The foods that are most likely to be treated with unhealthy pesticides are those you should look to replace with organic alternatives, including:

  •  Apples
  •  Celery
  •  Cucumbers
  •  Grapes
  •  Peaches
  •  Potatoes
  •  Peppers (Hot and Sweet)
  •  Spinach
  •  Blueberries
  •  Tomatoes
  •  Snap Peas
  •  Oranges

You should also ensure that any items that include these ingredients (salsa, fruit salads, prepared salads, etc) are organic as well.

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Featured photo credit: Jezebel via i.kinja-img.com

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Last Updated on July 20, 2021

Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

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Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

Break Free of Your Finances

Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

Though it seems hard to believe, it is really very simple to get financial freedom.

To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

1. Stop Unnecessary Spending

We often spend money inwardly, instead of objectively.

For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

To stop this habitual spending, log down all your spending over the course of a month.

Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

2. Plan a Monthly Budget

This is a great opportunity to get serious.

Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

3. Cut-up Credit Cards

Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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If not, you may want to consider ridding your life of the burden that credit cards bring.

Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

4. Increase Savings

There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

It’s good practice to save up to 15% of your income.

Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

5. Invest Wisely

Consider investing in funds.

Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

6. Invest in Gold

There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

Another way to invest in gold is through ETFs (Exchange Traded Funds).

These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

7. Stash Emergency Funds

Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

Make it hard to get your cash.

Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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8. Find Fabulous Mentors

Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

9. Be Extra Patient

Patience is the key of financial success.

Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

Financial Freedom for All

Anyone can achieve financial freedom, regardless of their financial circumstance.

Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

Featured photo credit: rawpixel via unsplash.com

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Reference

[1] Hartford Gold Group: IRA Retirement Accounts

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