Practical Ways to Save Money at the Grocery Store

Everyone has to eat, and buying groceries is a fact of life. Although stocking a kitchen with food for meals and snacks is a part of most monthly budgets, these expenditures don’t have to break the bank. Instead of spending a sizable chunk of your take-home pay at the grocery store or spending hours couponing, you can incorporate effective ways to save money that won’t require significant time or effort. With a little planning, it’s possible to plan meals and create grocery shopping lists that are both economical and delicious.

Plan Menus and Make Lists

Grocery shopping without a list invites impulse purchases, which can be expensive. Plan out your menus for the week and make a list of items you need to make the meals. Strive to purchase only items on your grocery list to save money. Don’t forget to evaluate your pantry before you go to see what ingredients you already have!

Pay With Cash to Avoid Overspending

Paying for groceries with a credit card makes it easier to spend a few extra dollars here and there, even if you are keeping your budget in mind. While it may not seem like a lot, an extra $2 to $3 per week adds up to around $130 in extra spending in a year’s time! When you bring a set amount of cash to the grocery store, overspending is simply not an option. You’ll have to stick to your budget!

Check Unit Pricing

Often, it’s more economical in the long run to buy items in bulk instead of in single units. Grocery stores will often display pricing per unit to enable customers to see the advantage of buying in bulk, so pay attention to unit pricing information and buy in bulk when possible. But if you don’t have room to store bulk items, make sure not to buy food that will go to waste.

Compare Prices at Several Stores

Grocery stores will have unique pricing structures based on brands, location, and volume of stock. Peruse the grocery stores in your area to learn which have the best prices for the items you buy, and then make your purchases at these stores. Keep in mind that sometimes, shopping at multiple stores will save you more than just going to one.

Don’t Shop When Tired or Hungry

Heading to the grocery store after a long day at work is a typical scenario. Pushing around a cart when you’re tired and/or hungry can result in a higher than necessary grocery tab, though. Shopping for groceries in these circumstances often leads people to buy more than they need. Whenever possible, shop when you’re rested and well-fed.

Use Rewards Apps

There are many rewards apps that give customers perks for shopping. These apps may provide cash back over time, or they may offer customers special sale prices or coupons. The cash-back process may track sales by scanning a bar code on a card, or customers may have to submit photocopies of receipts. Why not get cash back or coupons for the groceries you’re already buying?

Shop Clearance Items

Stores usually have a clearance aisle or section where foods are marked down because they have been discontinued or are close to their expiration date. These clearance items may have prices that are significantly discounted, which can save shoppers money. Just be sure that you’ll be able to use the products before they expire or else the deal is not as good as it seems.

Shop Weekly Ads

Grocery stores generally put out weekly ads that will offer specific items marked down from regular prices. Weekly ads also tend to have items that are called “loss leaders,” which are items that are priced below market cost, designed to pull customers into the store. Shopping for loss leaders can be an effective way to save money. Learn the days that grocery stores in your area publish weekly ads, and peruse the adverts each week to find discounted items and loss leaders.

– California Residents: As of January 1, 2020, TitleMax of California, Inc., d/b/a TitleMax, no longer originates new loans in California. TitleMax will continue to service existing loans originated before January 1, 2020. California Finance Lenders Law License No. 603K014. Please see our California Resident Notice at Collection and Privacy Policy: Submit a Verified Consumer Request to understand what information we collect, disclose, or sell, to request that we delete your information, and/or opt out of selling by clicking Do Not Sell My Personal Information.

– In Georgia, TitleMax offers Title Pawns.

– Illinois Residents: As of March 23rd, 2021, TitleMax® of Illinois, Inc., d/b/a TitleMax, no longer originates new loans in Illinois.

– New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.

– 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. Ability to repay analysis with income documentation required.

– In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). Only one LOC account allowed per customer, inclusive of other lenders. LOC customers are subject to a periodic income (and collateral, if applicable) review/validation.

– TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax acts as Credit Services Organizations 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 does not offer pawn loans or pawn transactions in Texas.

– TitleMax of Virginia, Inc. d/b/a TitleMax is licensed by the Virginia State Corporation Commission, license number VTL-11. As of January 1, 2021, TitleMax of Virginia, Inc., d/b/a TitleMax, no longer originates new loans in Virginia.

– TMX Finance of Virginia, Inc. d/b/a TitleMax Loans is licensed by the Virginia State Corporation Commission. As of January 1, 2021, TMX Finance of Virginia, Inc., d/b/a TitleMax Loans, no longer originates new loans in Virginia.

– TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.

1 Title-Secured Loans, Secured LOCs and Title Pawns: Maximum loan amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the Pledge max of $2,500 and Secured LOC max of $4,000. Minimum loan amount for title-secured loans in South Carolina is $601.

Must be at least 18 years of age (19 in Alabama). Account approval requires valid government-issued ID, a credit inquiry, and a motor vehicle appraisal. Certain other eligibility requirements and terms & conditions apply. Loan/LOC/Pawn amounts vary by states and product. LOC customers are subject to a periodic collateral review to maintain credit limit.

Proof of income documentation and ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah.

Refinancing is not available in Mississippi or Tennessee.

2 In-Store Personal Unsecured Loans: Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. To apply, bring in proof of income (dated within the last 30 days), active bank account details (dated within 45 days), proof of residency, a void check, a valid government-issued ID, and in AZ, a valid AZ vehicle registration in your name. LOC customers are subject to a periodic income review/validation to maintain credit limit.

Unsecured loan/LOC products not available in all stores or states. Minimum/maximum loan/LOC amounts vary by state; not all loan amounts available in all states. Max loan/LOC amount for first time borrowers is $1,000 ($500 in AZ). Returning customers with a good payment history may qualify for higher amounts, currently up to $2,500 in most states. Without SSN or ITIN: Max loan is $300. Certain other terms and conditions may apply.

3 Online Personal Unsecured Loans/LOCs: Must be at least 18 years of age. Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. To apply, you must provide proof of steady income (within 30 days), valid and verifiable bank account (statement dated within 45 days), a voided check, valid and active email address and telephone number, valid SSN, valid government-issued ID, and you must reside in the state in which you are applying (currently AZ, DE, KS, MO, MS, SC, TN, TX, UT or WI) and provide proof of residency. In AZ, must present valid AZ vehicle registration in your name. LOC customers are subject to a periodic income review/validation to maintain credit limit.

Minimum/maximum unsecured online loan amounts vary by state: SC min is $610. Maximum unsecured online loan/LOC amount for first time borrowers is $1,000. Returning customers with a good payment history may qualify for higher loan amounts, currently up to $2,500. Certain other terms and conditions may apply. Unsecured online loan products and amounts not available in all states. TN customers: Only one LOC per customer, inclusive of other lenders.

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