How To Save Money On Groceries

Sometimes it can feel like your family is an equal opportunity shopper when it comes to your grocery bill.  When you look back at the debit card or credit card at the end of the month, you can see charges from Publix, Kroger, Trader’s Joes, and Whole Foods.   You begin to ask yourself between the groceries you purchased during the month and the charges you had for eating out, it is possible that you really ate that much food and yet there is still nothing in the pantry?   If your family grocery bill is exceeding your monthly expectations and hitting that $1,000 a month mark, here are four smart money move tips on how to cut down on your grocery bill.

  1. Look For A Local Produce Program– Recently, my wife found a local program where we live in Milton that allows you to get a box of ‘produce’ every week based upon the number of people in your family.  What’s great about this idea is that is rations out what you should be using during the course of the week when it comes to fruits, vegetables, etc.    You can even give them an idea of the types of produce that you generally like and they will deliver what it is season.   This can make a big savings for your family because you’ll avoid all the extras you pick up when you go to the grocery store.
  2. Make A List– As simple as this sounds, you tend to execute better when you have a plan.   Grocery stores are filled with traps for those who haven’t come prepared to get exactly what they needs.  From end of the aisle promotions to free samples, the good supermarkets know how to get you to spend more money.   If you spend thirty minutes at home creating a list before you go, you’ll make less trips to the store and you’ll spend less when you are at the store.
  3. Shop At The Drugstore– Stores including Walgreens and CVS have morphed themselves into mini grocery stores.   Especially when it comes to household supplies that you will need to have such as paper goods, coffee, and even basic snacks.  The drugstores have each come up with their own proprietary brands, and you can find some really good deals if you are paying attention to them beyond the personal care items.
  4. Add The Bill Along The Way–   Even though prices can still be visible at the grocery store, they are intelligently places these days in between shelves and not on the item itself.    Take a piece of paper with your or a simple add and subtract type calculator and start adding up your total bill while you fill up your cart.    If you have set a budget for the supermarket adventure, you’ll quickly realize whether you are on track or not, and that can help you determine what you might place back in the cart.

These are four of my smart money moves tips on how you can save money on groceries.   What is your number one tip? 

Written by:
Ted Jenkin

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Ted Jenkin, CFP®, AAMS®, AWMA®, CRPC®, CMFC®, CRPS®   
Co-CEO and Founder oXYGen Financial, Inc.

Securities and Investment Advisory Services offered through NFP Advisor Services, LLC (NFPAS), Member FINRA/SIPC. Oxygen Financial is not affiliated with NFPAS.

About the author  ⁄ Ted Jenkin @ Your Smart Money Moves

Ted Jenkin @ Your Smart Money Moves


My friends and family all think I’m a workaholic, but I say I’m just a guy that loves to help people do better in life.

My mother is still the only one that calls me by my real name Theodore Michael, my wife calls me Teddy, but for the rest of you it is just plain old Ted.

Ever since I was a little kid, I always loved money and being an entrepreneur. In fact, I still have cassette tapes of me talking to my grandmother at the age of five and my mother tells me all the time how much I played with money as a kid...

Read More About Ted Here

Ted Jenkin is a frequent guest columnist for the Wall Street Journal and Headline News Weekend Express. He is the co-CEO of oXYGen Financial. You can follow him on LinkedIn @ www.linkedin.com/in/theceoadvisor or on Twitter @tedjenkin.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. oXYGen Financial is not affiliated with Kestra IS or Kestra AS. Kestra IS and Kestra AS do not provide tax or legal advice.

The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor regarding your individual situation. 

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  • Avatar
    July 15, 2013

    Buying groceries is the more pleasant part. Paying for them is a different story. The bottom line is to save money and your tips are really helpful. The most practical thing to do before shopping for grocery items is to make a list so you don’t overspend. This is a tested formula.

  • Ted Jenkin @ Your Smart Money Moves
    July 29, 2013

    Yes. Lists keep us all focused! Or I’ll probably buy the bag of chips that I really shouldn’t.

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