My goal this year is, quite simply, to buy as much food as I can
for as little as I can get away with.
Making each dollar count and stretching them as far as possible.
I've had the same budget for a very long time and although I've
questioned raising it as the price of groceries have risen, I have yet to do
so. The main reason is because I
thoroughly enjoy the challenge of making my current budget work. So how, exactly, do I do this?
We have a set monthly budget based on a formula I came up with
when my son was very young.
$33.00 per person + $25 per person (age 16 and over)
For my family it currently works out like this:
$33.00 X 3 = $99.00 (rounded up to $100) + $25.00 = $125.00/month
Sales cycle regularly so I can count on items I use going on sale
on regular intervals. When those items
go on sale I purchase at that time. I
try not to purchase anything that isn't on sale and to further reduce costs and
stretch my dollars I use coupons whenever possible. I get most of my coupons online and from a
friend of mine that saves them out of her Sunday paper for me every week. I also look for coupons given away at the
grocery store in little dispensers attached to the store shelves. Being a loyal customer to two stores and by
using their rewards cards I am able to further save.
I use Fred Meyer as my main store and as a result they send me
coupons for items I buy regularly from them as well as a periodic rebate based
on the total amount spent with them.
Additionally I earn "gas points" which give me significant
discounts on gasoline I purchase from their station.
Every week I check the adds online to determine which store I shop
at and what items are on sale that I need.
Often the store's website will also have coupons available to print and
use. I also check Walgreen's ads as they
have a small grocery area and often advertise loss leader items. I find that most of my laundry and
dishwashing detergent comes from Walgreens because of this.
Buying good quality fresh produce makes good sense in that it
lasts much longer and I am less apt to have spoilage and waste. Therefore I rely on Fred Meyer and
Albertson's almost exclusively for my produce.
There is another store in town that offers produce for less but I found
it wasn't as fresh and more prone to quick spoilage. Sometimes it is just best to spend a little
more for better quality.
I have a Pantry List that I update periodically as our needs
change and I use it to make sure I have adequately stocked my pantry,
refrigerator and freezer. I print a copy
off every month and circle the items I need or are running low on. I try to rotate the items I purchase so I can
get them on sale as well as so I am not having to buy everything at once. For instance, one month I will buy ground
beef, the next ground turkey and then another month will be chicken or ham. Same with my condiments, pantry staples and
baking supplies.
My favorite money saver is the markdown section. |
The $25.00 per adult portion of my budget is designated for
stocking up on items that go on sale, although I often spend part of my regular
budget on stock up items too. As the
sales cycle through I know that pasta will go on sale one month and coupons
will often be issued too. I will stock
up on pasta at that time. Same with
canned goods, condiments, etc.
Grocery sales are also guided by the seasons. At the holidays the big sales items are
baking goods so I will stock up on chocolate chips, cocoa, sugar, flour,
butter, nuts, and so forth. In the
summer I find ketchup, mustard, BBQ sauce, hotdogs and buns are the big loss
leader items to stock up on. At Easter
it is definitely eggs and hams while at Thanksgiving it is all about the
turkeys.
This grid shows how most of my grocery dollars are allocated each
month:
I find that most of my grocery shopping is done for the
future. Milk and fresh produce is
purchased as we need it while everything else is purchased and stored to be
used later.
My grocery budget month is based on my pay days rather than a
calendar month. For me this means my
grocery budget begins anew on the 20th day of each month. This allows me to use my dollars as they
become available and I am able to shop ahead and base my meal plans on the
items I already have. It also allows me
the time to prepare my grocery budget post and get it up for you to review by
the end of the month.
Over time I have managed to learn the sales and prices, perfect my
strategies, change them as needed and stock my home well with the things we
need all while staying on a tight budget.
Our meals are delicious and nutritious with enough variety that we don't
get bored. As a result we are blessed to
have plenty.
I have to say thank you for posting this! This was very timely for me to read, as we are in the process of revamping our grocery and household budget. I found this very helpful and will probably refer to it several times to help us with our decision-making. I appreciate all of the info you shared as well as the way you share how you prepare and shop for your groceries and household items. :)
ReplyDeleteI am so glad this is helpful. Let me know how you do! I'm sure you will do great. :)
DeleteThank you for this post. I have a grocery budget but I never thought to break it down into the five groups like you do. That is why I probably go over my budget more months than not. I am learning so much from your's and other's blogs on how to do this right. Tonight is my grocery night and I can't wait to give this a try. Thank you again.
ReplyDeletePaula in Kansas
I'll be eager to hear how it goes. Good luck!
DeleteWell not so great this time. My son is on a high protien diet and he told me he was out of his vitamins and his protein powder. Those two items took up 1/5th of my budget this pay period. Meat is at it's highest. It would help if our local grocery store would do mark down meats. What he does is freezes anything getting close to the due date and sells it in the frozen food section. But I am not giving up, I know I can do this...just have to work harder. Your tips are great and I'll get it figured out.
DeletePerhaps you could put your son's vitamins and protein powder in a separate budget. I would. My grocery budget if for actual food. My non food budget is easier to adjust for special situations when needed too. If I need more non food items I rob our entertainment budget since that category is not a necessity. Trying to put my non food and food together in the same budget flat didn't work for me.
Delete