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More Grocery Budget Secrets

more grocery budget secrets

As a financial coach, I see so many clients who struggle with their grocery budget and we too struggle from time to time.  Rising food prices, growing families, food philosophies and dietary needs effect the grocery budget.  Even so, there are things you can do to reduce grocery expenses. I’ve written on grocery expense before and here are a few more tips:

Start a Mini Co-Op – Starting a co-op of local friends can help you harness the power of buying in bulk.  Places like Mountain Rose Herbs offer up to 25% off if you buy 25 pounds of more of herbs and spices.  Stock up once or twice a year with friends and save big time. A pound of minced onion for $5.25 is a steal!

Take Your Time/Compare – Before I embark on a bulk purchases, shop online or change grocery stores I take time to compare prices.  Even comparing Amazon to Vitacost to specialty stores like Mountain Rose Herbs.  For example, I bought 10 pounds of herbs at a 5% discount with Moutain Rose Herbs recently.  Even with their shipping rates it was still cheaper than Vitacost or Amazon.  That doesn’t mean it will always be cheaper.  You need to compare frequently to be sure you’re getting the best deal.

Account for Bulk Purchases Separately – If you buy in bulk consider setting up a separate category in your budget for these purchases.  If you buy meat by the animal (a side of beef or half a pig) set up an envelope to save for those apart from your weekly grocery budget.

Keep Pet Products Separate – You might buy fluffy’s food, treats and flea treatments as the grocery store but they are NOT grocery items.  I believe in keeping a separate category in the budget for this.  It helps to keep your groceries a true picture of your eating and it allows you to see just what your yearly pet expense is.

Don’t Shop Hungry – Sounds like a no-brainer but really, shopping when you’re hungry can be a budget killer.  My husband is notorious for throwing stuff we don’t need (and never end up eating) in the cart when he goes with me on an empty stomach.

Break it down – If you really need to dig into grocery over spending break your grocery budget down into smaller categories or envelopes.  A month or two of tracking your grocery budget by categories like “snacks”, “toiletries”, “meats”, “dairy” and more can help you identify where exactly you’re spending more money and help you decide what you need to cut or change.  If this sounds daunting consider Mvelopes as a solution for tracking your expenses.


Mountain Rose Herbs. A Herbs, Health & Harmony Com

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  1. Thank you so much for this post! Usually when I read things like this, I don’t expect to learn anything new. it’s not that I know it all – it’s just that I have had to work so hard to save money on groceries that I didn’t think there was a tip out there I didn’t know. However, you just make a very good point that I have often struggled with. You see, I do a lot of bulk shopping. I buy most of my grains and my powdered milk in 50 pound bags to save money, but it kills my monthly grocery budget. I don’t include toiletries, household items, or pet food in my grocery budget, but I never thought about separating out bulk purchases from the regular monthly expenses. Thanks so much for the tip!


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