Tag Archives: money


11 Tips to Save Money Grocery Shopping

Here are few simple tips to help you immediately save money in the grocery store as you begin your frugal journey. You always want to remember some things we do not have any control over but somethings we can control and the grocery budget is one of those things.

  1. Have a Grocery Budget –  This may seem kind of silly but the most important way to save money in the grocery store is to actually have a budget. Determine how much you are going to spend before you get to the store. Now you may need to adjust your budget a couple of times until you reach a comfortable budget for your family. But if you have no idea how much you are spending it’s impossible to determine if you have saved anything.
  2. Pay with Cash – Yes, i mean literally throw down some green backs at the register. And even more horrifying if you do not have enough money put some of the food back. So for me this means I do not take any other means of payment into the store so I’m not tempted to overspend.
  3. Shop with a list –  Take a list of what your family needs and stick to it. Now I give you permission to buy Toilet Paper if  you forget to put it on the list but everything else can wait! Scrupulously record what you need on your list before you go and then stick to the list!
  4. Make a Meal Plan – This goes hand in hand with shopping with a list. Make a meal plan so you know exactly what food items you need to make your meals for the week. Additionally, you are not wandering around the store trying to buy things that will probably make a meal. (I have simplified my meal planning by using a breakfast and lunch rotation and having a permanent shopping list)
  5. Buy MOST Meats on Sale – Keep a price list of the meats that you purchase. Carefully watch the sales papers and when it goes on sale stock up. I’ve been known to buy 40# of pork chops at a time so I can avoid paying full price. I personally, make an exception for leg/thigh quarters which are regularly below .60/# at our local store.
  6. Avoid Brand Loyalty –  There may be a few things that your husband has requested or if you have some allergies to deal with that you have to purchase the brand name. But just by buying off brands you will save a bundle.
  7. Use coupons –  Again this one is obvious but i must be thorough. Use coupons when you can you can often save well over 10% on an item just by using a coupon.
  8. Buy dry instead of canned- This will both save you money and it’s healthier. The canned versions of beans for example are more expensive t
    hen the dried bags of beans and the dried bags give  you more food.
  9. Avoid buying things off of end caps or at the register –  This is where the store puts the more expensive items hoping you’ll just grab it absentmindedly. Which is probably why manufacturers pay more to have their products placed on the end caps.
  10. The Middle of the Store is Dangerous – All of the preprocessed food will cost more, period. It’s almost always cheaper to make your own. In the middle of the store keep in mind that the top of the shelf is usually high end, the middle is prime retail space for manufacturers so more expensive products will be there. So we need to LOOK DOWN which is generally where you’ll find the least expensive items.
  11. Don’t shop when you are hungry – I know that if I am hungry and I go grocery shopping I will normally come out with something  I wasn’t intending to buy but it “just looked good”. And no matter what DO NOT LET A HUNGRY HUSBAND anywhere near the grocery store with money!

So what simple tips do you use to save

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5 Tips to Save Money on Breakfast

Aspired Living
Aspired Living

Last week I gave you some ultra cheap breakfast  items, this week we will continue looking at how we save money at Breakfast time.

5 Tips to Save Money at the Breakfast Table
Use Leftovers – I use left overs, if we have biscuits we have biscuits & gravy, leftover mashed taters we have potato pancakes. So look at your dinner left overs as tomorrows breakfast!

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The Beginner’s Guide to Saving Money- Part 2 Shelter

 Saving Money in and Around your Home

A comprehensive and realistic guide for beginners to find ways to save lots of money in and around your home every day!

  1.  Every couple of years you need to shop your home insurance and see if there is a better deal. You’ll need a copy of your current policy to make sure you are comparing apples to apples.
  2. Add a computerized thermostat that allows you to schedule temperature control throughout your home.
  3. If you switch to curly lights from incandescent you can really save some money on your light bill. A 13 watt curly light provides up to 75 Watts of light that is a savings of 62 Watts per light bulb. But I suggest keeping the receipts these lights are supposed to last for years and if they don’t you can get new lights for free. We are slowly changing all of the bulbs in our house from regular bulbs to the spiral bulbs. In my house this should represent a savings of $42.38 per month according to MidSouth Synergy!
  4. Try to buy used items at Garage Sales and Thrift Stores before you decide to buy something new. So if you need a blender hit the garage sales and check the local thrift stores and then if you still cannot find it  see tip 7!
  5. Sell your clutter.Have a garage sale or take you excess stuff to a thrift store and sell it! It’s just weighing you down and taking up extra space.
  6. Ditch cable and read books, watch Netflix or get Hulu. There are so many inexpensive alternatives now a days there is no reason to pay full price for cable.
  7. Stack Coupons. Keep the coupons you get from Bed Bath and Beyond apparently you can stack them and any time you cannot find something used you can buy it new at a discount. Here is a list of 7 other retailers that allow you to stack your coupons.
  8. We are getting a water heater “cozies” & insulate the pipes which is suppose to make your water heater much more efficient. Water heater represents 14% of your cooling cost!
  9.  I avoid turning on lights during the day. Except in the school room, it’s a little dark. Once my kids cheered when they asked if they could turn on the lights and I said “yes”. Bullet said “Yeah!!! We get to turn on the lights” …that’s just sad, but true!I turn off all lights I find left on! Basically, I’ve become my Dad and I am eternally aware of any light left on in the house!
  10. We keep the thermostat set to 69* for heating and 78-9* for cooling. Right now we have it turned off completely if it gets to 80* I will turn on the ceiling fans!
  11. Turn my computer off during the day and at night! I try to have it on for less than 6 hours per day (this one kills me sometimes, but it also prevents me from wasting time…looking something up real quick!)
  12. Unplug…Unplug items that are not in use so they are not passively draining energy. We unplugged the extra fridge in the Shed because we were not using it for anything but extra drinks. We have ice on our fridge for that!
  13. Give Major appliances a day off! Major appliances (dishwasher, washing machine, dryer) get to rest on Sundays!
  14. Do a spending freeze a couple of times a year to reign in random spending .

Simply stated leave no stone unturned, if you have to spend money on something always ask yourself can this be done more inexpensively

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