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Is There a Best Way to Meal Plan?

July 2, 2018 By MelissaB 1 Comment

The price of groceries just seems to keep going up, and up, and up.  How much I’ve spent on groceries has nearly doubled in the last five years.  True, my kids are older and hungrier, but in general, the price of groceries themselves has increased.  In our household, groceries are our biggest monthly expense behind our mortgage.

If you’re like my family, you’re constantly looking for a way to cut your monthly grocery costs.

I’ve found that reducing grocery expenses largely comes down to making a plan and sticking to it.  There are several ways to do this.

Make a Monthly Meal Plan

Best Way to Meal Plan
How do you meal plan?

Some people lower their grocery costs by making a monthly meal plan and shopping once a month.  Of course, when I say shopping once a month, that doesn’t mean it’s the only time that they go to the store.  Rather, they have one large shopping trip at the beginning of the month, and then they go to the store 1 to 3 more times during the month to get fresh produce and milk as needed.

This technique can save money mainly because you keep yourself out of the stores and avoid impulse buys by doing so.  You’ve likely gone into the store to buy one or two items and found yourself walking out with a cartload of groceries.  Those impulse buys, even if there a good deal, can destroy your budget.  Those who shop once a month reduce their spending simply by reducing the number of times they allow themselves access to the grocery store and impulse buys.

Make a Menu Plan

Another technique is to make a weekly menu plan based on what you find on sale in the grocery store flyers.  Between the items that you see on sale and the items that you already have in your house, you make a menu plan and shop for the loss leaders and whatever other items you need to make your meals.

Shop First

Still others go to their favorite store first and scout out the good, unadvertised deals.  For instance, if pasta is on clearance, they may buy many bags of it and have several pasta meals that week.  If they find a great deal on beef, they may make a stroganoff using the beef and pasta for one meal, and a spaghetti bolognese for another meal.  These planners find the good sales and then make a menu plan.  Once they get home, they rely on Pinterest, the internet and sites like MyFridgeFood to help them decide what to serve based on the great sales they found.

For years I have debated about which method works best and which one saves the most money.  But, the bottom line is that you must choose the method that works best for you and your family.  In this season of our family life, method two works best for us.

However, it doesn’t matter which method works best for your family.  What really matters if you want to cut your grocery costs is that you have a plan and you utilize one of these three methods.

What is your favorite way to menu plan and save money?  Do you prefer one of these methods or a different one?

Filed Under: Frugality, Saving Tagged With: food plan, frugal grocery, frugaler, grocery, grocery shopping, meal plan, meal planning

Simple Ways to Save Even When Money Is Tight

February 20, 2018 By MelissaB 4 Comments

For the 15 years my husband and I have been married, we’ve always shared just one car.  Actually, most of the time I’ve been the one with the car—first because I had to drive to work while he could easily take the train, and, once I became a stay-at-home mom, because I usually had the kids that I needed to transport while he could commute by public transportation.

While he’s been a good sport about this situation, the time has come to finally buy another car that he can use.

The problem?  We don’t want to take out a car loan because doing so would create a serious strain on our budget.  We want to pay cash instead.

But how do you save money for a car when you feel like there’s absolutely NO wiggle room in your budget?  Here are the strategies we’re using.

Save Cash Back from Credit Cards

Our credit card regularly gives us cash back.  For the first three months of 2016, we’ve earned just shy of $150 in cash back.  If we continue at this pace, we’ll have an extra $600 in cash back thanks to using, and paying off, our credit card each month for as many purchases as we can.

Save Whenever You Receive Discounts on Regular Expenses

This is my favorite way to save because there are so many opportunities to save this way!

For instance, at Christmas, we received a postcard from our car repair shop offering 10% off our next car repair.  I held onto that, and just last week we had a $284 car repair.  We saved $28 thanks to the postcard, and that money went right in our car fund.

We took a vacation recently and stopped by Denny’s on our last day when we had eaten up all the food we had brought with us in the cooler.  Our total was $39, but for some reason, the cashier decided to give us a $6 discount.  I put that money right in our car fund.

Our grocery store gives fuel rewards points for shopping.  For every $100 spent in groceries, you get 10 cents off your next gallon of gas.  If you buy a gift card, your reward points are for double that amount.  I send any of those savings to our car fund.  Just today I put 19 gallons in my tank, and I got 20 cents off per gallon.  I put that $3.80 into our car fund.

Save Change or a Specific Bill

I don’t use this strategy anymore because we typically use credit cards for our purchases, but when I was using cash a lot, I never spent the change and earmarked it all for a specific fund.  One time, I went several months saving all of the $5 bills I got and used them to pay down debt.

To be sure, none of these savings strategies is growing our car fund at an impressive rate.  However, we ARE saving something using ways we save in our everyday lives.  We’re consciously, physically setting aside our savings, which is a great way to save when your budget is tight and you feel like you have no wiggle room.

Do you save like this?  If so, what are your favorite strategies?

 

Filed Under: Frugality, Saving, ShareMe Tagged With: bills, debt, expenses, Saving

Frugal Sack Lunch Ideas for Kids

October 29, 2017 By MelissaB 2 Comments

When we send our kids to school, we want them to receive the best education.  Having a healthy lunch to eat is a big part of that. But, if you choose to buy convenience packages of snacks and desserts as well as lunch meat, sack lunches can quickly become an expensive endeavor over the course of a year. Especially if you’ve got a hungry teenager. If you’re looking to curb costs, consider some of these frugal sack lunch ideas.  Mix and match to make tasty, healthy, low cost lunches for your kids all day long.

Protein

  • Hard boiled egg(s)
  • Peanut butter (Use it on celery sticks, as a dip for veggies, or on a sandwich.)
  • Cheese (Make a cheese sandwich, or serve separately.)
  • Hummus (Use as a dip for veggies and crackers.)
  • Yogurt (Try yogurt covered frozen blueberries for a less messy option.)
  • Leftovers (Use leftover meat from dinners to supply protein like chicken, beef, etc.)
Frugal sack lunches
Good food = good students

Fruit

  • Apple slices (Slice your own apples and dip them in a bowl with water and a bit of salt.  They won’t brown and you’ll save a lot of money compared to buying already sliced apples.)
  • Clementines (These can be put in whole or peeled and separated for younger kids.  Their small size makes them a perfect lunch box fit.)
  • Grapes
  • Dehydrated fruit such as berries, cherries, etc.  (A little goes a long way here, so you’ll only need a few.)

Veggies

  • Carrot sticks (Don’t buy baby carrots at the store; buy carrots in bulk and peel and cut them yourself.)
  • Celery (Serve plain or with hummus or a nut butter.)
  • Cucumbers

Grains

  • Tortilla chips.  (These are an excellent frugal option, and they can be more filling than regular chips.)
  • Homemade granola bars.  (Make them yourself and fill them will healthful ingredients like nut butters, oats, and dried fruit.)
  • Muffins.  (Muffins can be a sugar trap, so focus on the healthier recipes that are naturally sweetened with fruits.)

Where to Buy Your Ingredients

We’ve found that the best place to buy lunch ingredients is at big warehouse clubs like Sam’s or Costco.  For instance, at Costco, you can buy a 10 lb. bag of organic carrots for $5!  Or, you can buy a big bag of potato chips for less than $4, which is much less than you’d pay at the grocery store.  You just need to take the time to bag these items in individual portion sizes.

Save Time By Preparing Ahead

If you look at the suggestions above and think there’s no way you’d have time to prepare a lunch from scratch every day, especially if you have multiple kids, you’re probably right.  Most of us don’t have that kind of time early in the morning.

Instead, prep all of the lunch ingredients for the week on the weekend.  Have them all packed and ready to go in the pantry and the refrigerator so you or your kids just simply have to grab them and pack them in the early morning rush.  Or, to be safe, prep on the weekend and prepare the lunches every night so you just need to grab them from the refrigerator in the morning.

Feeding your kids a brown bag lunch can be affordable. . .if you choose the right ingredients, and use these frugal sack lunch ideas.

How do you save money on your kids’ sack lunches?

 

Filed Under: Children, Frugality, Married Money, Saving

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