Advertising
Advertising

25 Supermarket Tricks You Should Try Now To Save More Money

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.

Advertising

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.

Advertising

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.

Advertising

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.

Advertising

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.

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

More by this author

10 Meal Planning Apps You Need To Have To Get Healthier Easily The 50 Best Desktop Wallpapers for 2013 23 Awesome Travel Hacks That Add Fun To Your Trip How to Stay in Good Shape During Black Friday 9 Apps Unrelated to Black Friday That Are Helpful

Trending in Money

1 How Personal Finance Software Helps You Get More Out of Your Money 2 The Best Ways to Save Money Even Impulsive Spenders Can Get Behind 3 How to Answer the Tough Question: What are Your Salary Requirements? 4 The Definitive Guide to Get Out of Debt Fast (And Forever) 5 35 Real Ways to Actually Make Money Online

Read Next

Advertising
Advertising
Advertising

Last Updated on January 2, 2019

How Personal Finance Software Helps You Get More Out of Your Money

How Personal Finance Software Helps You Get More Out of Your Money

Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

What Exactly is Personal Finance Software?

Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

Advertising

How It Leads to Financial Improvement

It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

Types of Personal Finance Software

When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

Advertising

Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

When to Use Personal Finance Software

So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

1. You Have Multiple Accounts

There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

2. You Want to Automate Some or All of Your Payments

Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

Advertising

There’s no need to log into every account you have and type in your routing number either.

With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

3. You Need to Streamline Your Budget

Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

4. You Have Specific Goals to Meet

Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

Advertising

How to Get Started

From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

Final Thoughts

Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

Featured photo credit: rawpixel via unsplash.com

Read Next