When you are looking for ways to trim your budget, there are several areas you can easily cut out altogether including your morning latte or elaborate shopping sprees. Then there are other areas that you cannot cut out completely, like grocery shopping. While you may not be able to remove the expense of your weekly grocery bill altogether, you can trim the cost significantly by utilizing these 6 easy tips.
Prep Work – Before you set foot in the door of your local grocer, you need to do some prep work. Create a weekly meal plan, keeping in mind what you already have, so you purchase only what you need. Set a budget and stick to it! Bring only the cash you have set aside for groceries. If this means bringing a calculator to the store, do it! Explore your store’s deals and coupons for the week. You can find this information in their weekly ad, or on their website. Make sure you have your store card to get in on the best deals.
Compare Apples to Apples – You can save a lot, just by comparing. Explore which store has the best deals, or the lowest priced items. Compare brands to make sure you are not paying extra for packaging.
Stock Up and Save – When your favorites are on sale, stock up! Nonperishable foods, toiletries, pet care items, baby products, cleaning supplies and paper products are ideal for this. However, for many foods, the opposite can be true. Many foods, when you buy more than you need, can end up being wasteful. Don’t throw money in the trash! If you know you will only use a few items, buy only what you need.
Avoid Pre-Cut, Pre-Portioned and Pre-Packaged –While these items may be more convenient, you are paying someone else to do the work for you! Use this principle when purchasing meat, fruit and vegetables, which can easily be the largest portion of your grocery bill. Instead of buying pre-cut pieces of fruit, buy the entire cantaloupe. Buy a bigger piece of steak, instead of purchasing the pre-cut pieces for stews or shish kabobs. When it comes to veggies, avoid the frozen food aisle! Buy them in bulk, and freeze until you are ready to use them.
Implement a Clean Out Week – This is a great way to save on your monthly budget! Once every few weeks, have a pantry, fridge and freezer clean out week. It’s a good excuse to get your freezer and pantry organized, and you might even find a new favorite recipe in the process!
Avoid Distractions, Endcaps and Eye-Level Items – It is easy to get tempted into purchasing unnecessary items like candy and chips. If you find yourself roaming the home goods section of places that also carry groceries – avoid them! Be mindful of where your eyes gravitate – Manufacturers pay for shelving placement, and this may result in you spending more for items. The same principle goes for endcaps. Avoid these featured products, if you can!
You don’t have to be a coupon-clipping guru to save some serious cash on your monthly grocery bills. Using a few simple strategies, you can soak up the benefits of serious savings on your next shopping trip.
- In California, loans are made by TitleMax® of California, Inc., d/b/a TitleMax®, California Finance Lenders Law License No. 603K014.
- In Nevada, title loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any title loan transaction.
- In Texas, TitleMax® acts as a Credit Services Organization to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for details. Please see Texas Schedule of All Fees.
- TitleMax of Virginia, Inc. d/b/a TitleMax® is licensed by the Virginia State Corporation Commission, license number VTL-11.
- TMX Finance of Virginia, Inc. d/b/a TitleMax® Loans is licensed by the Virginia State Corporation Commission.
Title-Secured Loans, Title Loans, and Title Pawns:
* Maximum loan amount in Illinois is $4,000.00. Maximum loan amount in Mississippi is $2,500.00. Maximum loan amount in Tennessee is $6,500.00, assuming customer qualifies and accepts both the Pledge and Line of Credit. Minimum loan amount in California and one Virginia location is $2,600.00. Minimum loan amount for title-secured loans in South Carolina is $601.00.
** Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry, and motor vehicle appraisal. Certain other terms and conditions apply.
*** Proof of income documentation is required in California, Illinois, Nevada, and some Texas locations . In California, you are also required to provide proof of residency, and a valid vehicle registration to obtain a loan.
§ Refinancing is not available in Mississippi or most Virginia store locations. In Illinois, you are required to have reduced your original principal balance by 20% before refinancing. TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.
Personal Installment Loans:
†Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. Bring in proof of income, active bank account, proof of residency, a check, and a valid government-issued ID to apply. Unsecured loan products not available in all stores or states.
± Minimum/maximum loan amounts vary by state; not all loan amounts available in all states. Maximum loan amount for first time borrowers is $1,000.00 ($500.00 in AZ). Returning customers with a good payment history may qualify for higher loan amounts, currently up to $2,500.00 in most states. Certain other terms and conditions may apply.
‡ Signature and personal loans are offered in Florida by TMX Finance of Florida, Inc. d/b/a InstaLoan®, and affiliate of TitleMax®. Account approval requires satisfaction of all loan eligibility requirements, including a credit inquiry, and, if applicable, motor vehicle appraisal. Certain other terms and conditions apply.