groceries — Beating Broke

Living on a Tight Budget: Should Groceries Be the First Place You Cut?

January 8, 2019 By MelissaB Leave a Comment

If you’re like me, the last few years, you may have felt that you’re simply treading water when it comes to income and expenses. It seems every time our income goes up, our expenses go up, and I’m not talking about lifestyle inflation but rather insurance premiums and deductibles, etc.

Like many people, I try to cut corners to make our money stretch as far as I can. I’ve certainly had times a few years ago when I bought the cheapest groceries that I could find by using coupons and sales, even though the food was processed and not that good for my body.

I rationalized that I was being frugal, and, I’ll admit it, I was proud of myself. Never mind that we were eating casseroles that we didn’t really like made with processed foods or that the leftovers often went to waste because we didn’t want to eat the meal again. Never mind that both my husband and I had cholesterol well over 200 even though we were in our thirties.

Change in Eating Habits

However, over the last few years, my opinions on grocery shopping, the foods we eat, and how to save money have changed. I still like to save money (and I still need to in order to make our budget stretch), but now I do it differently, and I feed my family differently. A few years ago, I went Paleo. I dropped a lot of weight, and my cholesterol level settled around 155, even though I was a few years older. True, our grocery budget went up, but not by as much as I expected. I learned ways to buy healthy food at a reasonable price.

Where Else Can You Cut Besides Groceries?

Should you Cut groceries first? — Where would you cut first?

Sometimes, especially when money is tight, groceries seem like an easy place to cut. Convenience foods bought with coupons can be had for a steal. Take a look around Pinterest, and you’ll find many posts of bloggers touting how little they spend for groceries.

But is this a good thing? I know groceries are typically one of the largest monthly expenses for a family, but should this automatically be the place we look first to reduce our budget? After all, there is great truth in the adage, “Pay your farmer now, or pay the doctor later. In fact, “Americans spend nearly 20% of their income on healthcare costs, while on average spending 10% of their income on food. . .Considering the age-old adage, ‘an ounce of prevention is worth a pound of cure’ may be the first step to attempt to reduce healthcare spending—and the key place to start is food consumption. If you start to consider your diet a form of preventative health care, you might start rethinking your daily meals” (University of New Hampshire).

Take a look at your budget. If you don’t automatically slash your grocery budget, where else can you cut expenses?

If you don’t short change your body healthy foods, you’ll save thousands on health care later on. Meanwhile, why not consider dropping your smartphone and getting a “dumb” phone? (Yes, I still have a flip phone for emergencies that we bought 10 years ago.) Can you drive your current vehicle a little longer so you don’t need to have a new car loan? Can you drop cable? Do you have subscriptions you’re paying for but you don’t use? Likely, there are several lifestyle choices you can make to cut your expenses without compromising the quality of food you can buy and eat.

Do you cut other expenses so you can continue to buy quality foods, or do you prefer to slash your grocery budget?

Even More Ways to Save on Groceries

January 4, 2016 By MelissaB 5 Comments

Besides your mortgage, your grocery bill may be your next largest expense. Of course, you usually can’t alter your mortgage payment, but with some planning and strategizing, you can alter the amount you spend at the grocery store and save on groceries.

A few months ago, I wrote about the techniques we’re using to keep our grocery bill low for our family of 5 (spending approximately $500 to $600 per month even with food intolerances to gluten, dairy, and corn). We’ve learned a few more strategies to lower our grocery bill that I thought I’d share with you, especially since it seems like the price of grocery is on the rise again.

Stop by the grocery store whenever you’re driving by. I know the “experts” say to go in the grocery store as little as possible. Many of them recommend shopping just every two weeks or once a month. However, if you’re a disciplined shopper, I recommend stopping by the store every time you drive by. Why? I only buy eggs on clearance for .99 a dozen. I also buy organic chicken when it is close to its sell by date and marked down by 50% or more. If I stop by the store whenever I drive by (every couple of days, usually), I have a better chance of finding these deals. If nothing is on clearance, I simply leave empty-handed. I don’t buy eggs or meat if they’re not on sale, or ideally, on clearance.

Don’t just take sandwiches for lunch. My husband packs his lunch every day. However, he never packs a sandwich. Instead, whenever I see clearance chicken fajita meat, sausage, or other meats, I buy those. He cooks something up on Sunday, like three sausages I found on clearance, and then he brings some every day along with a grain, veggies, and a fruit or two. His flexibility and willingness to move beyond sandwiches and my bargain shopping skills mean he saves a lot when packing his lunch.

Consider having a separate meat budget. I just learned about this technique, and I plan to start utilizing it. Say you have $500 a month for groceries. The idea is that you set aside a certain amount, maybe $50 or $100 a month, solely for meat. The rest you spend on your other groceries. If you’re able to save up $500 or $600 in the meat fund, you might buy a ¼ side of beef, which you’ll likely get at a much cheaper price than at the grocery store. Then, you eat that meat and start saving again for your next bulk purchase of meat. Eventually, you’ll have a deep freezer full of healthy, lower cost meat direct from the farmer.

Slowly buy in bulk. I have consciously started buying in bulk to lower our grocery costs. I’ve had to do this slowly because we don’t have a lot of wiggle room in the budget. Gluten free oats cost $2 a pound, and that’s when they’re on sale! Instead, I bought a 50 pound bag of gluten free oats for $61. That is $1.22 a pound, which is cheaper than I could ever buy them at the store. Then, I bought a 25 pound bag of pinto beans for $12.50, or .50 a pound, which is again cheaper than the rock bottom price I can get at the store. Just remember when buying in bulk not to buy items you really don’t want to use or won’t be able to finish before they get stale.

What are your favorite techniques to lower your grocery bill?

3 Easy Ways to Get a Home Cooked Meal on the Table: Save Time and Money

March 9, 2015 By MelissaB 5 Comments

Do you cook at home? If so, how many times a week?

Chances are, your answer will vary depending on whether or not you work outside the home, your age, and your income.

Sure, cooking at home can save you plenty of money, but not a lot of us do it. According to Harris Interactive, “Two in five (41%) say they prepare meals at home five or more times a week and three in ten (29%) do so three to four times a week. One in five (19%) of U.S. adults prepare meals at home one to two times a week, and 11% say they rarely or never prepare meals at home.” There aren’t always easy ways to get a home cooked meal on the table.

In the last several years, my husband and I have made the switch to exclusively eating at home. We go out to eat less than 10 times a year, usually only when we’re traveling. What I’ve discovered is that cooking at home can actually be A LOT of work. Making healthy, low-cost food requires time and energy, and then there is all of the clean up to do afterwards. If I were still working full-time outside the home, I doubt that I would have time to cook as much as I do now.

Home Cooked Meal — Original IMG credit: DSC_0719 on Flickr

However, there are a number of strategies that can help make preparing foods at home easier.

Have a go to meal. Everyone should have a few easy meals that they can make from staples in the pantry when they’re short on time. Choices might include spaghetti, cheese quesadillas, grilled cheese sandwiches, etc. These meals may not be ideal nutritionally, but they’re still better than grabbing fast food, and they’ll save your wallet.

Use your slow cooker. Start the slow cooker in the morning, and when you come home, you’ll have a hot meal waiting for you. To save even more time, prep all of the ingredients the night before so in the busy morning, you can just dump in the ingredients and go.

Utilize freezer cooking. Take one day a month and cook up several meals for your family for the month. This might take you three to four hours, but then you will eliminate much of the cooking you’ll need to do for the rest of the month. Simply take a meal out of your freezer the night before you need it and then reheat it when you get home from work.

There are short cuts to freezer meals, too. Search Pinterest, and you’ll find crockpot freezer meals. Simply dump the ingredients in a freezer bag and freeze. This type of freezer cooking doesn’t require any cooking before putting it in the slow cooker, so you can make a month’s worth of meals in about an hour.

Another idea is to double any recipe you are already cooking and put the second one in the freezer for a busy night.

Don’t be discouraged if you haven’t yet mastered how to eat at home without spending all of your time cooking. As Marion Nestle, professor of food studies at New York University and author of What to Eat says, “Anything that you do that’s not fast food is terrific; cooking once a week is far better than not cooking at all. It’s the same argument as exercise: more is better than less and some is better than none” (The New York Times).

What is your favorite strategy to get a healthy meal on the table quickly?