When you’re budgeting and want to boost your savings, the last thing you might consider doing is spending more money. But there are situations where choosing quality over quantity can actually help you save more in the long run. Keep reading to learn more!

I know it sounds crazy to buy something more expensive, right?

Well, actually, there are plenty of times when knowing how to spend wisely will help your future finances. I’m here to tell you about them and help you make the right choice.

Quality over quantity meaning

What does quality over quantity mean? Okay, so the definition may be obvious, but it’s important to be clear about the quality over quantity meaning before we go any further.

The phrase implies that choosing fewer things of higher quality is better than owning lots of low-quality things. It can apply to your fashion goals, what you eat, and what items you buy for your home.

Quality is how well-made something is

In basic terms, quality is how good something is. If an item is high quality, it means that it is well-made and will not easily break.

As an example, expensive bag brands like designer handbags are much more likely to last longer than high-street bags. But excellence often means a high price.

However, the quality of an item can also be subjective. A person’s opinions and feelings can determine it.

Quantity is just an amount

Quantity refers to the amount of something. So the number of shoes and handbags I own or general items around my home that I don’t actually need are quantity items.

Unlike quality, quantity is measured in a numerical format, and it can be counted.

How spending more can save you money in the long run

So this is what I’ve recently considered with purchases: Instead of filling my life and home with stuff, what if I carefully considered every purchase I make? How would that benefit my financial health?

Well, it would certainly make sticking to a budget much easier and my savings goals easier to achieve. I’d also stop overspending on cheap items that need replacing regularly.

While spending more on an item might seem like it would be more expensive, it will likely cost me less over time.

10 Quality over quantity examples

Ready to save money by buying quality things? Here are 10 quality over quantity examples that will improve your finances.

1. Furniture

When shopping for expensive items such as furniture, it can be tempting to purchase the cheapest items available. But by choosing high-quality items that are made to last, you may actually save money.

For example, if I buy an $800 sofa that lasts five years, it will cost me around $160 a year.

In comparison, if I buy a cheaper sofa at $400 that only lasts two years, it will cost me $200 a year.

Nobody wants uncomfortable furniture, and did you know that poor-quality chairs can negatively affect your body and health? Some things are worth spending more on, and furniture is definitely one of them.

High-quality furniture that is properly maintained can even be a good investment that you can sell when you decide it’s time for a refurb.

2. Clothing

Most of us are guilty of contributing to the fast fashion crisis. When it comes to clothes, quality is definitely best for our wallets and the environment.

If you spend a lot of money on a new pair of jeans, you’re much less likely to make an impulse purchase on cheaper items because you’ve already made a substantial purchase.

High-quality clothing is made of more durable fabrics, which means it won’t need to be repaired or replaced as often as lower-quality garments.

3. Food

Cutting your grocery bill and using the cheapest grocery list is a smart financial move to reduce your outgoings. But whilst canned goods and processed foods cost less, they can negatively affect your health and cost you money in the long term on healthcare.

Instead of compromising on the quality of your food, shop smarter by:

• Buying in bulk
• Growing your own fruit and vegetables
• Eating less meat
• Reducing food waste
• Buying in season

 4. Reusable items

Reusing items wherever possible is a great way to save money and do your part for the environment. Here are a few reusable products that will save you a ton of cash over time.

• Grocery bags: Most stores will charge you for carrier bags, so reduce your bill and take your own.
• Make-up eraser towels: Trade the disposable cotton pads for a more eco-friendly and purse-friendly towel. Simply wash, dry, and reuse it again and again.
• A smart notebook: Eliminate the need to buy a ton of notebooks and invest in a smart notebook. Write your notes, scan the page, clear it, and start again. Genius.

 5. Storage

Utilizing storage options can save you money on things like food and furniture. The right storage solution can protect and prolong the life of items, meaning you won’t have to replace them as often.

From buying freezer food bags to renting self-storage for your furniture, there are many ways to care for your possessions and get the most value from them.

6. Debt

What does quality over quantity mean when it comes to money? It doesn’t just apply to tangible items. Credit card debt is the perfect example of how spending more can save you more in the long term.

Making the minimum monthly repayment means that your debt will take longer to pay off. The balance left will also then accrue interest, costing you more overall.

For instance, suppose my credit card has a $2000 balance and an 18.9% interest rate. Clearing the debt in three years instead of five will save me hundreds of dollars and keep me from drowning in debt.

7. Homeownership

Are you deciding between buying your first home or continuing to rent?

There’s no denying that owning a home costs more than renting in the short term.

However, from a long-term financial perspective, buying a house allows you to save money and invest in your future.

The most important thing is only buying a home you can afford so you don’t become house poor. It’s often worth saving for longer before getting on the property ladder to increase your down payment and reduce your monthly mortgage repayments.

In most cases, rent prices may be higher than mortgage repayments, so you can use the difference in money to boost your savings.

8. Memberships

If you, like us, love a good subscription service, here’s some good news. You might be able to save some cash with the right membership!

For instance, if you use Amazon, it’s definitely worth investing in an Amazon Prime account. You will save money on deliveries and have access to videos and music, so there will be no need to spend money on these elsewhere.

Perhaps you already have a subscription like this. If not, you can save by buying only one that offers a lot instead of several.

Food subscription boxes are also a good way to save money by reducing food waste. With some research, you can find subscriptions that prioritize quality over quantity.

9. The neighborhood you live

Good neighborhoods may demand higher rent and mortgage payments, but living in a better area can save money.

For instance, good neighborhoods come with lower crime rates and a sense of community vigilance. They also tend to have well-maintained surroundings, including roads, parks, and public spaces, which contribute to a clean and pleasant environment.

Schools have good ratings and living in a desirable neighborhood can positively impact property values. I certainly considered school district rating and property values when I was deciding where to live and raise a family.

You may also be able to save on car insurance which is likely to be lower if you live in a lower-risk area.

10. Insurance

Paying for health insurance or a health savings account may seem unnecessary when you’re young and healthy, but it can save you thousands of dollars if you require emergency care.

Instead of skipping the coverage completely, shop for the best price. You can also save money by joining a family member’s existing plan if you are a spouse or under the age of 26.

Expert tip: Be consistent in your choices on quality

To truly live a lifestyle that values exceptional quality, you need to be consistent in the choices you make. You need to clearly define your personal core values and stick to them. Every time you spend money, it should be on something that reflects your priorities.

I found that physically writing my values down on pieces of paper and sharing them with my family motivates me to make the right decisions. You could even include a few in your wallet so you see them every time you open it. I also believe it’s easier to say no to things that cost money if family and friends know what you’re aiming for.

Here are some questions to ask yourself to help you stay consistent in your choices:
Do I really need this?
Why do I want to buy it?
Can I afford it?
How long will it last?
Could I borrow it instead?

Buying quality is all about making the right kind of purchases, and these are never rushed! You can apply this approach to items as small as a bottle of water or as large as a car to ensure you’re consistent with your buying habits and long-term goals.

Why choosing quality improves your life: 6 Reasons

Maybe you’re convinced to start buying for quality. But just in case, here are a few more reasons why buying quality is always the right option.

1.   Quality lasts for years

High-quality products are created to stand the test of time. Which means you won’t need to constantly replace them. I love that I can buy something for a bit higher price but am confident that it will last for years.

2.   It’s better for the environment

When a product is well-made, it’s less of a burden on our planet because it won’t need to be thrown away. You can help the earth with sustainable living and your budget at the same time.

3.   It helps you save time

By focusing on quality over quantity examples, you won’t waste time trying to have everything at once. The time you save can be better spent doing the things you love instead. Having fewer items to care for is another way to get some of your time back.

4.   It can benefit your mental health and well-being

Understanding what quality over quantity means will not only benefit your bank balance but also your happiness.

In fact, clutter can hurt your mental health. So, instead of having many items in your home, choose fewer possessions of high quality.

5.  Reduces stress in your life

Carefully choosing the people and things you have in your life will reduce stress. How? Well, owning many material items and being part of a huge circle of friends can be overwhelming.

Stress is often caused by trying to do too much. Less clutter and less worry and busyness can lead to a more carefree lifestyle.

6.  Helps you live more simply

Choosing quality ultimately means doing what makes you happy. When we do what makes us happy, we experience satisfaction and fulfillment. When people say “it’s the simple things in life” that make them happy, it really is!

Think about it like this: Would you rather invest in one classy, timeless piece for your wardrobe or buy a bunch of trendy, lower-quality garments that clog up your closet and will become redundant in a few months anyway? I guess that most of us would go for the first option.

What is the theory of quality over quantity?

The quality over quantity theory uses measurement to explain why investing in quality things is better for our mental and financial health. It focuses on value and fulfillment being more important than volume. Quality gives us longevity and significance, whereas quantity just gives us a large volume of an item or thing.

You may need to shift your mindset to train yourself not to choose quantity over quality, and that’s ok. Start by prioritizing what’s important to you and focus on those things. With practice, you’ll naturally strive for quality and a simpler life as you start to benefit from the many reasons quality is king.

In my opinion, daily gratitude is an excellent way to achieve a quality mindset. I like to take ten minutes out of my day to remind myself of what I have to be grateful for.

You could even make a list and look back at it whenever you need a reminder.

What does quality over quantity mean in relationships?

The quality over quantity meaning in a relationship is not about how much time you spend together; it’s about HOW you spend it.

For example, if you spend every evening with your spouse but use the time to browse social media and watch TV, it doesn’t count as quality time focused on each other.

A few activities you could try that prioritize quality with your significant other without breaking the bank are:

Cooking together

Preparing a meal requires conversation and physical closeness, making it the perfect date night activity. 

Treat yourselves to a spa day

Who doesn’t love a spa day? Relax in each other’s company and enjoy the moment.

Have a picnic

Sometimes the simple activities are the best. Pack a picnic, choose your favorite spot, and watch the world go by.

Exercise 

Exercising together can strengthen your bond. It’s also great for motivating each other to keep going and achieve your fitness goals.

Stargaze

If you’re looking for a cute activity for date night, look no further. You don’t need fancy equipment—just some blankets and the stars!

Plan a vacation

Nothing beats the excitement of planning your next vacation! Make a list of places you want to go and things you want to see, and choose everything together. And don’t forget about a vacation budget!

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Focus on what matters most!

So, here are the final thoughts…choosing how we spend our money is powerful, and we choose how we spend it.

By making quality purchases, we will reap the benefits of our purchases for a long time. And, in turn, save both time and money!

So leverage the tips we’ve explored here and the many ways that opting for quality over quantity can help you lead a financially healthier and happier life. You’ll save money and live better. And next time you make a purchase, focus on quality, not quantity, to help you save money!

The post 10 Areas Of Life Where You Should Buy Quality Over Quantity appeared first on Clever Girl Finance.

In times when the price of food seems out of control, it can be tough to buy all of the groceries you need. If you’re finding the price of groceries hard to handle, you need to go shopping with a strategy. Think ahead about what to buy at the grocery store to maximize your budget. Let’s get into some great ideas!

Prepare and make a list of what to buy at the grocery store

Instead of getting to the checkout line and discovering you don’t have the money to cover what’s in your cart, use these planning tips for the supermarket. A bit of time and preparation can ensure you make the most of your funds. 

One way to prepare is to make a grocery list. The most list-averse person may still want to start the habit of making grocery lists. With inflation making overall food costs higher with each passing year, everyone could stand to save on their meals. 

In addition, there are other ways to prepare for grocery shopping, including using tools like apps and making a meal plan. Here’s how to get ready for a grocery shopping trip.

Create meal plans to help make your grocery list

You can use budget meal planning to build your grocery list and spend more intentionally. There are even free online meal planners to follow, or you can just brainstorm your household’s top meals each week. 

When I’m meal planning, I like to be efficient. So I check my pantry, fridge, and freezer first to see what I have to use up. Then I look at grocery store sale flyers to help me pick items that are on sale. 

Focus on staples good for multiple dishes

As you make your meal plan and grocery list, think about the staple items—ingredients you can use more than once.

For example, Shape magazine suggests staples like peanut butter, frozen produce, and canned beans to keep in the house all the time. 

Pasta, rice, oats, flour, and similar items can form the base of many dishes. What you deem a staple depends on your family’s diet, too, so think of the most common meals you eat. Then, make a grocery list that utilizes similar ingredients. 

Focusing on food staples can also save you time!

For example, if you’re using ground beef for your famous tacos one night, you might cook extra meat at the same time to use in a casserole the next night.

Use tools to simplify grocery shopping

Don’t be afraid to try a new app or tool that can simplify your grocery shopping on a budget. When you need to know what to buy at the grocery store, technology can help!

Check out supermarket websites

Your supermarket’s website is a free tool that can help you make the cheapest grocery list. Many grocery stores like Kroger, Meijer, and Walmart enable online shopping, which is useful in a ton of ways. 

Shopping online helps you to stick to your list since you’re not wasting time strolling around the store and seeing surprise items. It allows you to pick up groceries conveniently (or have them delivered). Plus, you can save your “favorites” online for quick and easy shopping. 

Use grocery shopping apps

When you need to know what to buy at the grocery store, grocery shopping apps can save a lot of hassle. Using an app like Ibotta or even Mealime could help you save money and time at the supermarket. 

Some apps help you locate the best coupons, or you might price-compare different stores. Some apps provide you with discounts to specific retailers.

Think about what you need the most and search for the best free grocery apps (and also the best coupon websites). 

Time your grocery shopping carefully

Remember how key timing can be in saving money.

In addition to knowing what to buy at the grocery store, you need to know when to go. 

This can be as simple as visiting the store on their sale days. You can also probably save money by not shopping when you’re hungry, which could lead to more costly impulse spending. 

How to find the best foods to buy at the grocery store

When it comes to grocery shopping for the best food on a budget—maybe even a bare bones budget—a few basic habits can save you tons of money and time. Here are some general guidelines to save money and still eat well. 

1. Start with generic or store brands

If I had a mantra for grocery shopping, it would be to try store brands or generics first. With so many generic options available on supermarket shelves, why not try these versions that can cost significantly less? 

According to CNET, store brands could save you about 40% on average versus name brands. Some won’t save you quite that much, but the bottom line is that you’re almost guaranteed to save money on store brands. 

Yes, some store brands don’t taste exactly the same as their name-brand counterparts, but chances are you can get fairly close. Give them a try, and you might be pleasantly surprised!

2. Shop at multiple stores to get the best deals on all food

If you have the time, try multiple stores so you can take advantage of each store’s best prices. This is when it’s handy to look at those paper mailers announcing weekly sales. You can buy your meats at one place while you stock up on nonperishable snacks at a different store. 

If store-hopping isn’t possible, you can just stick to the store where you normally find the best grocery prices. Discount retailers like Aldi can save you money on pretty much everything, meaning you don’t need to coupon-clip or drive to different supermarkets. 

3. Avoid prepared foods

Here’s another cardinal rule: you’ll almost always save money buying raw ingredients instead of ready-to-eat foods, and it’s sometimes a healthier option. Sometimes it’s unavoidable to get something from your grocer’s prepared foods section, but whenever possible, steer clear. 

You can probably chop your own vegetables and assemble your own one-pot meals rather than buying stuff already in various states of readiness. Even if you’re thinking, “I hate cooking!” that doesn’t mean you can’t save some cash by doing simple food prep yourself. 

Stock up monthly or bi-weekly on these groceries to maximize your budget

Think about how often you need to replenish certain grocery items. Here are a few that you can likely buy on a monthly or bi-weekly basis. Use this monthly meal planner for additional guidance.

Frozen foods

Frozen foods are good to stock up on, perhaps every two weeks or even once a month. Of course, you’ll need freezer space to store frozen vegetables, meat, and other items, but if you can, buy those less frequently to save money per unit.

Plus, you can make some of the cheapest meals with lots of these ingredients. 

Boxed pantry staples

Those items you buy in a bag or box that go in the pantry? If you’re able to, buy enough for at least two weeks at a time so you have them ready. Cereals, baking staples like flour, and uncooked beans or pasta will last a long time. 

Plus, you can save money by cooking easy meals at home instead of ordering takeout. 

Canned foods

Much like boxed foods, you can buy canned foods on a monthly or bi-weekly basis. Of course, this is tough to do if you’re living paycheck to paycheck, but in the long run, it can save you money. 

Buy these foods weekly for your meal plan

In your plans for what to buy at the grocery store, these are the foods you’ll most likely need to pick up at least once a week. 

Fresh fruits and vegetables

Of course, fresh produce is something that you’ll want to buy more frequently.

Whether you go to your farmer’s market or the supermarket, be ready to buy what your family eats each week. 

Some fruits and vegetables are cheaper than others and still healthy, such as bananas, apples, and potatoes.

Dairy or dairy substitutes

For those who love cheese, yogurt, and other dairy products (that’s me!), you’ll need to pick these up fairly often. Include your favorite dairy items in your weekly shopping list to ensure things don’t go bad.  

Eggs and meat

Similar to dairy products, eggs and meat might land on your list of items to replenish weekly. This is especially true if you prefer to cook everything fresh. Eggs and meat, as well as other refrigerated items, can be a weekly purchase. 

But remember that meats can also be a great ingredient to pick up on sale and freeze extra portions for later use, especially if you’re trying to make frugal meals for families! 

Keep certain ingredients on your “as-needed” list

Besides your monthly and weekly grocery needs, there are bound to be a few surprise grocery items that pop up in between trips. Meal planning and making a list don’t have to mean you get rid of those last-minute trips altogether. 

Other items like olive oil or salad dressing might only run out occasionally, so try to set aside a little money when you budget by paycheck for miscellaneous groceries.

Snack foods and soft drinks might also fall into the category of things you buy only when and if you can spare the money. 

Basic list of what to buy at the grocery store

As a starting point to help ensure you won’t miss any essential ingredients, you can use this general list. Tweak it to suit your family’s favorites, and add whatever you need to this basic grocery list.

• Dried beans/lentils
• Pasta and rice
• Bread, tortillas, baked goods
• Milk
• Eggs
• Cheese
• Yogurt
• Meat and seafood
• Cereal or oatmeal
• Soup
• Canned beans 
• Canned vegetables
• Frozen fruits and vegetables
• Fresh fruits and vegetables
• Tea or coffee
• Oils like olive or canola
• Condiments like ketchup, mustard, barbecue sauce
• Peanut butter
• Nuts and seeds
• Treats

Of course, your list will depend on your dietary needs and preferences, but this should give you a solid base of groceries.

Expert tip: Always plan your meals ahead

Even if supermarket prices have been a source of financial strain, you can use planning and shopping strategies to save money. Paying attention to what to buy at the grocery store will help you maximize your budget without sacrificing more than you can handle. 

I find that a lot of what it comes down to is planning ahead. By planning most meals and sticking to a frugal grocery list, I can stretch my grocery budget as far as possible.
Being savvy about when and where we shop, as well as buying store brands, will also help.

What groceries do people buy the most?

Staple items seem to be the groceries people buy the most. According to Instacart, the number-one grocery item purchased in the U.S. and Canada for eleven years with Instacart has been bananas.

Other top American grocery purchases, per How Stuff Works, are bread, packaged meats, peanut butter and jelly, eggs, and milk. 

What foods should be on your grocery list?

When it comes to deciding what foods should be on your grocery list, try to buy items that will help you fill your hunger, first and foremost. Here’s a quick basic list:

• Bread
• Cereal
• Meat
• Seafood
• Pasta
• Rice
• Frozen foods
• Dairy
• Eggs
• Produce
• Canned goods
• Snacks

Pick from the items that suit your diet and start from there. 

How do I make a grocery list for one person?

If I need to make a grocery list for one person, I only need to consider my own diet and favorite meals, and I can end up with money leftover in my budget. Meal planning is important no matter what, though.

Decide whether you’ll buy only what you need for the week or stock up and keep items in the freezer or pantry until needed. If you don’t have a lot of space to store extra groceries, another possibility may be to go shopping with a buddy and split bulk items.

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Understanding what to buy at the grocery store will help you make the most of your budget!

Hitting the grocery store aisles doesn’t have to be a routine you dread.

In fact, you can make a few basic plans for what to buy that will maximize your budget.

When things are tight due to a sudden job loss or inflation, great supermarket strategies can help you stretch your money further and also help you learn how to stop worrying about money. As a bonus, living below your means with grocery shopping can help you achieve financial success!

The post What To Buy At The Grocery Store To Maximize Your Budget  appeared first on Clever Girl Finance.

Let’s talk about grocery shopping on a budget. You can cut lattes and your cable bill, but the one thing you can’t cut from your budget? Food. Food is expensive. Whether you’re a student on a low budget or a parent trying to keep the food bills at bay, we could all use some tips on managing our grocery budget properly so we can save more money.

The average American spends around $7,300 on food each year. And, your grocery spending can eat up anywhere from 14% to 34% of your household income.

That said, grocery shopping on a budget doesn’t mean you have to sacrifice your health. It’s about shopping smarter to make the most out of your monthly grocery budget. It’s also very easy to do if you carve out the time. You’d be surprised at how simple it can be to cut your grocery bill in half!

20 Ways to start grocery shopping on a budget

So what can you do today in order to save money on your next grocery run and minimize impulse purchases?

Here are 20 ways to get more out of your monthly grocery budget. (Be sure to check out our frugal meal plan ideas as well!)

1. Review what you have in your pantry

The easiest way to reduce your grocery bill is to simply buy less food. And no—we’re definitely not suggesting that you let yourself go hungry to save a few bucks.

Instead, give your pantry (and fridge/freezer) a double check so you know what to buy before you head out to the grocery store. Do you really need everything on your list? You may have already written “almond milk” on your grocery list—but turns out you bought in bulk last time and still have another box in your pantry.

Or maybe you wanted to buy beans to make tacos for dinner. But checking your pantry reveals that you already have a few cans of chickpeas on hand—and those will do just fine for tacos, too!

Bottom line: Before you head to the store (or even make your grocery list), take stock of what’s already in your pantry. You may need to buy fewer groceries (and spend less money!) than you thought.

2. Create your grocery budget

If you want to save money on groceries for the long term, then you need to create a budget—and stick to it.

I like to start by figuring out how much I currently spend on groceries. I review credit card statements and receipts from the last 2 to 3 months. Then I’ll ask myself, what is my average amount spent on groceries each month?

If this number is above my target grocery budget, then it’s time to make some changes.

An easy way to redesign your grocery budget is to work backward.

First, decide how much you want to spend on groceries each month. For example, let’s say you’re comfortable spending $250 per month. That equals $62.50 per week.

Next, make your weekly grocery shopping list—and make sure it does not top your weekly budget (in this case, $62.50).

If you tend to lean on credit cards and have a hard time holding yourself to a budget, try going to the grocery with just the $62 in cash. This way, you can be sure that you won’t buy more than you can afford—and you’ll stay true to your ideal grocery budget.

3. Plan your meals

A big part of grocery shopping on a budget is planning your meals. Meal planning is the key to saving money, as well as saving time. Start off small and plan your meals for the entire day.

Once you’ve mastered that, proceed to plan your meals for the entire week, then work up to creating a monthly meal planner. Meal prep is easy, and everybody can do it! Cook your meals in bulk and store them for later in the week. For example, you can plan casseroles, pasta dishes, sandwiches, side dishes and more!

This process not only ensures that you save money by making sure that you’re able to distribute your ingredients over several meals evenly, but it also ensures that you’re able to conveniently heat up your food and eat it immediately.

By the way, there are tons of creative and frugal meals you can try out!

4. Create a grocery list

We often spend more than we need to when we’re shopping for our groceries. We buy more than we can eat, and we often lose track of what we intended to purchase in the first place.

Much like how a to-do list keeps us on track with our tasks, a budget grocery list is imperative to keep us on track with what we must buy.

While it may sound basic, this factor must not be overlooked. How many times have you made a quick trip to the shops to buy one thing, but you end up buying a lot of other items you didn’t really need?

Writing up a quick budget grocery list — or on your phone, if pen and paper are a little too ‘old school’ for you — before leaving for the store will effectively prevent you from buying any unnecessary items as it keeps you on track.

5. Don’t limit yourself to one store

Sales don’t just happen at one store. Every store is different, and each of them is constantly competing to provide consumers with the best prices. Take advantage of this and shop for the best prices.

You’re not constricted to purchasing your groceries at just one store so take the time to scout out the varying prices and follow the cheapest prices. Shopping at different stores is one of the simplest ways to save money on groceries.

6. Shop for store-brand goods

Store-brand items are indisputably cheaper than commercial goods, and usually, I can’t tell the difference, apart from the packaging. This is due to store-brand goods being independently produced and packaged by the store itself. It’s no wonder that they’re cheaper.

While not all foods have a store-brand counterpart, items such as canned foods, condiments, and other processed foods are definitely guaranteed to have store-brand versions.

7. Bargain hunt

A huge part of grocery shopping on a budget is bargain hunting. Sometimes all the planning in the world can be fruitless if that one head of lettuce you need is $6.99.

When you head to the supermarket, take note of what fruits and vegetables are on sale. Most likely, it will be things that are in season and in excess.

If you see something on sale in the shops, make the most of it. Notice that 2 lbs of pumpkin are only $.50? Why not grab a couple? Vegetables can be so diverse and used in so many different recipes.

It might be just pumpkin soup, or you can get creative and make things like pumpkin cornbread, pumpkin beef, black bean chili, or pumpkin cannelloni.

See some cheese, eggs, ground beef, chicken breast or pork chops on sale? These can be stretched across multiple meals in your meal plan.

You might also see an abundance of cabbage or corn. You can preserve these foods and enjoy them at a later time, saving you tons of money down the road.

8. Prioritize your food needs

Defining your needs vs. your wants isn’t just for items you buy. This method can be used when you are making your budget grocery list too. It’s easy to buy up a bunch of random food that we really don’t need just because it sounds tasty.

For instance, do you NEED to buy steak every week, or could you find a cheaper option for dinner? Finding ways to save money on groceries by defining what you truly need can lead to big savings every month.

9. Pay with cash

People tend to spend more money when using credit and debit cards. Paying in cash can help you stick to your monthly grocery budget easier. The cash envelope budgeting system can be a great way to switch from cards to cash.

This is where you have dedicated envelopes to put specified amounts of cash in to pay your bills. For example, you would have an envelope specifically for your groceries for the month. This helps you stick to your budget and prevents overspending.

10. Use store rewards cards

Most grocery stores have a free discount card, points card, or rewards card. These are cards that you can use to earn points and get sale prices and other discounts when you shop.

In many instances, unless you have the store card, you will not be able to get the items you want at the sale price.

That being said, it’s very easy to miss out on receiving the sale discounts. During checkout, items are scanned pretty quickly, and you may not realize it until after you get home and look at your receipt — that’s certainly happened to me many times.

To ensure you always get the discounts, put your points card next to your source of payment. If, for some reason, you were not asked for it, or you forgot to use it, be sure to head over to customer service for a price adjustment.

Keep in mind that you can also use your points card online too. Rewards cards can help you stick with your monthly grocery budget.

11. Sign up for your store emails

In addition to signing up for the store points card or rewards card, be sure to sign up for your store email newsletters. Many times stores will email additional discounts, including printable coupons or free grocery delivery or pick-up offers.

They may also make you aware of sales going on in-store that are based on your shopping habits or things you typically buy or have bought in the past (using information from your points card).

Be careful not to get caught up shopping every store sale you are emailed unless you really need the items and they fit into your monthly grocery budget.

12. Search online for manufacturer coupons

Use coupons! Many of your favorite grocery brands sometimes offer manufacturer coupons on their websites or on coupon sites (like coupons.com or redplum.com) that you can use in-store or online.

Just do a quick Google search before you go grocery shopping to see what you can find. (Here’s our list of best coupon sites!)

13. Buy in bulk

Heading to your local farmer’s market may be your favorite Sunday afternoon activity but it may not be the most friendly on your wallet.

We’re not saying you should stop supporting your local farmers (not at all!). But to trim down your grocery bill, consider buying some of your pantry staples in bulk.

For example, shelf-stable products are great picks to buy in bulk for the following reasons:

1. Buying in bulk means you can score bigger discounts
2. Focusing on non-perishable bulk goods means you can shop once and have enough food to last weeks or even months.

Want to watch your grocery bill shrink? Head to warehouse stores like Costco or BJ’s to stock up on must-haves with a long shelf life, like:

• Flour
• Canned fruits and vegetables
• Canned tuna
• Nuts
• Grains
• Rice and pasta
• Peanut butter (or other nut butters)
• Pasta sauce
• Oatmeal
• Spices & dry seasoning

14. Shop discount grocery stores

If you need to get groceries on a budget, another easy way to reduce your bill at the check-out counter is to stay away from boutique grocery stores.

After all, food is food, right? So head to discount grocery stores like Aldi, Trader Joe’s, Lidl, and Market Basket for your weekly shopping run. These stores often sell grocery staples at just a fraction of the prices you’ll find at fancier shops, like Whole Foods.

So give discount grocery stores a try—your tastebuds won’t be able to tell the difference, but your wallet sure will!

15. Buy generic vs. brand name

We all have some brands we’ve been loyal to for years … but if you want to trim down your grocery budget, it may be time to evaluate your long-standing favored brands.

If you’re skeptical about switching from name-brand groceries to generic, here’s some food for thought: A study from CNET reveals that generic groceries are about 40% cheaper than name brands.

Let’s do some quick math: That means that if your current grocery bill clocks in at $400 per month, switching to generic brands could end up saving you $160 a month or $1,920 per year!

16. Learn how to store your food

It’s important to learn how to store your groceries properly (and safely). And storing your food properly will prevent food from getting spoiled and in turn save your money.

While canned goods, seasonings, and noodles aren’t necessarily a problem when it comes to shelf life, it’s a whole different story when we’re talking about other foods.

Dairy products like milk, cheese, eggs and yogurt are highly perishable and should be refrigerated as soon as you get home. The same applies to salads.

Vegetables and fresh fruits should be replenished every one to two weeks because they don’t last very long, even if they are stored in the fridge.

However, the shelf life of foods can definitely be prolonged by placing them in the correct location of the fridge and freezer.

Make sure that you store all meats in the freezer immediately after you get back from the store. Freezing meats will definitely make them last for weeks so buy them when they’re cheap and don’t be afraid to stock up. The same can be done for bread.

17. Get the store flyer when you walk in

Ever noticed that pile of papers as you walk into your local grocery store? The next time you walk by these, grab one!

You might just find a few cutout coupons in there, and they are a great way to get a summarized view of what’s on sale in the store. This way you can determine what items on your list are discounted.

18. Buy your groceries online

Personally, I think online grocery shopping is a great way to save money because I’m not distracted by yummy smells or product placements; I can simply search for and purchase what I need.

In addition, I have time to think about whether or not I really need the items I have added to my cart because I’m shopping online.

Yes, the delivery fees might be pricey — typical fees are from $10 to $20. However, you can find promotions offering free or low-fee deliveries if you try a new service.

And how many times have you spent much more than the delivery fee in-store after falling into the temptation of buying things that you didn’t plan for?

You may be able to save money on the cost of delivery by opting to pick up your online shopping at the store. You basically place your order online, and then your store provides you with a pickup time to come and get your pre-packed groceries.

Often, the cost of a pickup can be cheaper than delivery by up to 50 or 75%. If online shopping is something you have available to you, you should definitely consider taking advantage of it! Shopping online makes grocery shopping on a budget much easier.

19. Learn how to cook 

It’s not a secret that home-cooked meals are cheaper than eating out at restaurants.  However, the process of cooking may seem daunting for those who aren’t used to it.  Anyone can cook. You just have to start off with simple recipes with simple ingredients.

Cooking at home ensures that you know exactly what you’re putting into your body. Also, if you have bought your ingredients on sale, the cost of your meals will definitely equate to less than what you pay for at restaurants, about $20.37 per meal. Learn a new skill and save money while you’re at it.

20. Use leftovers

One of the easiest ways to save money on groceries is to utilize your leftovers. Repurposing dinner from the night before into lunch or another dinner idea can stretch out your food longer.

For example, if you have beans from the night before, you can use them in another main dish, such as tacos.

Rather than letting food go to waste, get inventive and make more cheap meals. Make a goal to use everything you cook. Check out Pinterest for ideas on how to use your leftovers.

Expert tip: Create a grocery budget you can stick to

Sometimes, it can be a little too easy to get carried away when creating a new budget. Don’t get us wrong—if you’re enthusiastic and motivated about improving your financial health, this is a good thing! But sometimes those moments of inspiration can lead to biting off more than you can chew.

For example, say I currently spend $400 per month on groceries and I want to cut my budget down to $100. That’s quite a big jump! And it may be harder to pull off in a one-month turnaround than I’d think.

For long-term success in learning to shop for groceries on a budget, start small. If your current spending is $400, maybe aim for $300 for this month, $200 for the next month, and $100 for the month after that.

Often, slow-and-steady baby steps help turn big goals into regular habits so you can commit to them for the long term.

How do I start a budget for groceries?

To start shopping for groceries on a budget, there are three key steps to follow.

Step 1: Review the last two to three months of your groceries expenses. How much have you been spending at the grocery store?

Step 2: Determine where you can make cuts. Are you buying more pre-made meals than you need to? Are you making a lot of small, frequent grocery store runs … that amount to a big monthly total?

Step 3: Add some structure to your grocery shopping routine. Decide how often you’ll head to the store—once a week? Twice a week? Give yourself a weekly spending cap on groceries—and stick to it.

By being aware of your spending, trimming the spending fat, and holding yourself accountable to a shopping schedule, you can keep your grocery spending in check.

What is a reasonable amount to budget for groceries?

According to the U.S. Department of Agriculture’s Thrifty Food Plan, the average woman between 20 and 50 years old can expect to spend $55.8 per week on food—or $241.90 per month.

Note that this Thrifty Food Plan considers that ALL snacks and meals are prepared at home. To give yourself some wiggle room for dinners out and coffee runs, you may consider raising your grocery budget to between $250 and $350 per month.

Can I spend just $25 a week on groceries?

While spending just $25 a week on groceries may be a bit limiting for the long term, it is certainly possible.

To drastically reduce your grocery spending, look for low-budget staples that you can turn into many different meals, such as chickpeas, rice, lentils, potatoes, etc.

Also, learn how to get the most out of every piece of food! For example, you can easily get three meals out of a whole chicken: 1) Dinner the first day; 2) Lunch the second day; 3) Homemade soup from the bones and scrapes.

You can save money grocery shopping on a budget!

Cutting your food budget in half is easy. And though I know it requires a little effort and discipline, it doesn’t have to be time consuming and the savings are well worth it!

Finding ways to save money on groceries can help you save towards other goals too. Let’s say you start saving $50 a month on groceries; that’s $600 in just a year!

Learning how to be frugal in all aspects of your finances will help you stop wasting your hard-earned money and bulk up your bank account! Learn how to save even more with our FREE savings challenges bundle!

The post 20 Smart Tips For Grocery Shopping On A Budget appeared first on Clever Girl Finance.

Coupon sites can be your secret weapon to scoring some great deals. And knowing the best coupon websites can help you save money on almost every purchase.

You can enjoy quality items at a discounted price if you take advantage of coupons. No, we aren’t talking about your Grandma’s coupons from a newspaper. We are talking about coupons from the best coupon websites around!

We will dive into the different types of couponing and the best coupon sites available today!

This post contains affiliate links. Please see our disclosures for more information.

Why should you consider using the best coupon websites

Coupons are an easy way to cut back on expenses without sacrificing quality. Although you will need to invest some time, it can be a good return on investment.

Even if you’re not into extreme couponing and only use coupons to save on groceries, you can use the saved money for something you desire.

Couponing can give you more wiggle room in your budget, freeing you up to spend money on other things. And thanks to technology, you don’t have to clip coupons anymore. Instead, you can use apps and websites!

Different types of coupons

Before you can start couponing, you’ll need to know the different types of coupons. Read the fine print no matter which coupon type you are working with.

You’ll be able to ensure you are getting the most bang for your buck and saving money by understanding the fine print on your coupons. Here are the basics:

Manufacturer’s coupons

A product’s company issues manufacturer’s coupons.

For example, if you find a manufacturer’s coupon for Kraft mac and cheese, it was issued by Kraft. These coupons can be used at any store that accepts the coupon and sells the product.

Printable manufacturer’s coupons

Printable manufacturer’s coupons are simply coupons that must be printed from a website.

You can find them on the best coupon websites we will discuss below. Another place to find these coupons is directly on the manufacturer’s websites.

Although you can find these coupons on multiple sites, you shouldn’t make copies of any single coupon. Many have unique codes with usage limits, so follow their limitations.

Store coupons

Particular retailers issue store coupons. You can only use the coupon at the issuing store. In some cases, you might be able to stack manufacturer’s coupons with store coupons. Still, it will vary based on the retailer.

Typically you can identify a store coupon with a logo or wording that indicates the voucher can only be used at a particular store.

Coupon code

Coupon codes will give you discounts on purchases while shopping online. As you shop, many stores have a field for coupon codes at checkout.

Make sure to enter the coupon code before you complete your order. The website will let you know if the coupon code is invalid.

Cashback

Cashback differs from a traditional coupon but is still a worthwhile way to save money. In some cases, cashback may be offered in addition to your coupon savings.

You’ll receive the cashback directly in the store if you shop in person. The cashback will be credited to your account with the particular coupon site if you shop online.

Generally, this cashback is sent out once you hit a certain threshold.

Best coupon websites

Now that you know some of the basics of couponing, it’s time to get started! We’ve covered the best couponing websites below.

If you start to use these coupon websites regularly, you’ll see a positive change in your bottom line.

1. Rakuten

Rakuten, formerly known as Ebates, is one of the best coupon sites that also offer cash back.

The service is free, and you can earn cashback from hundreds of websites. Plus, Rakuten offers access to coupons on top of its cashback program.

You can install a convenient Chrome browser extension that will let you know if the site you are on offers cashback.

You don’t have to do any research to score these deals. The earnings can range from 1% to 12% cashback and sometimes more during special sales.

Plus, if you link up your credit card, you can earn cashback in select stores through Rakuten. You’ll receive your money via PayPal or a check, whichever works best for you.

2. Ibotta

Ibotta is a coupon and cashback app that can help you save money painlessly, especially when shopping in grocery stores.

You’ll earn cashback on certain items by completing different tasks. These tasks might include purchasing the item, providing proof of purchase, watching a short video, or commenting on the product.

The number of tasks will vary based on the item and the cashback amount. 

Sometimes, you can use Ibotta on top of other in-store purchases, saving even more money.

It’s one of the best coupon websites that make saving money easy!

3. Swagbucks

Swagbucks is one of the best couponing websites around. It’s a versatile site that offers valuable coupons to its users. You can print coupons in-store or use cashback opportunities during online shopping.

When you print out a coupon, you’ll earn a Swagbuck. You can redeem these points for gift cards at many retailers, which will allow you to stretch your budget further.

If you’d like more Swagbucks, you can earn them by watching videos, taking surveys, and using the Swagbucks search engine.

4. Groupon

Groupon is the best website for coupons when it comes to entertainment and restaurants in your area.

You can also find attractive travel deals through Groupon. The site also offers thousands of coupons with a ton of category options from popular retailers.

Many of these are for services and products like spa days and car repairs. It can be a fun way to accomplish your to-do list on a budget and treat yourself in the process.

5. Amazon coupons

That’s right! Amazon offers coupons for many of the products on its site.

If you are an avid Amazon shopper, this is the best website for coupons. You should investigate these money-saving opportunities.

Most of the coupons offered are manufacturers’ coupons, but you can add them to your cart in a few clicks. Find out what’s on sale with Amazon coupons.

6. Coupons.com

The name of this site says it all; it is one of the best coupon sites you can use. You can find coupons for both physical and online retailers through coupons.com.

The site updates its coupon selection monthly, so check back regularly. In addition to coupons, you can earn cash back on purchases by linking your debit card to the site.

7. RetailMeNot

RetailMeNot is another one of the best couponing sites offering coupon codes for thousands of online retailers. Each day, the site updates its homepage with deals that are trending that day.

You can find coupon codes, cashback opportunities, and discounted gift cards. It’s a great spot to check out before you head to the store or finalize your online purchase.

Use this great go-to site when scanning for coupons while checking out.

8. BeFrugal

BeFrugal is a simple app that helps you cut costs while enjoying shopping. It offers lucrative cashback opportunities at over 5,000 stores.

It is a great app for coupons because of its accessibility. BeFrugal has an option that applies coupons and codes with the push of a button.

It couldn’t be any easier, which is great for beginner couponers. You can receive your earnings via PayPal, check, direct deposit, or gift cards.

9. Checkout 51

Checkout 51 is a fantastic way to earn cashback. It specifically focuses on saving you money with groceries and gas, which are high costs for most budgets.

Using the app, you can add your savings offers and then take a photo of your receipt. You’ll get money back in your wallet for your everyday expenses.

10. Savings.com

Savings.com offers a wide variety of money-saving opportunities. It can help you save money on groceries, flights, and everything else.

You’ll find both local and national level deals on Savings.com. It is an easy place to assess all of your coupon options in one place, which is why it’s one of the best coupon websites.

11. Brad’s Deals

Brad’s Deals has the latest information on deals at particular retailers. You’ll be able to find bargains for a wide variety of products.

Plus, based on past sales data, the site offers advice on the best time to buy certain items. Make sure to take a look!

12. The Krazy Coupon Lady

The Krazy Coupon Lady is the best website for coupons because of its reputation for knowing everything about coupons. On the site, there are both printable and digital coupons.

Suppose you are overwhelmed by the couponing process. In that case, the Krazy Coupon Lady can teach you how to coupon effectively and match up some amazing deals. Make sure to take advantage of this free resource.

13. SlickDeals

SlickDeals offers a different take on couponing. Instead of focusing on saving money for yourself, SlickDeals includes a community aspect. Not only does their team finds deals, but it also allows members to add their findings.

The most recent deals are displayed on the home page. However, some forums offer the opportunity to discuss the details of the deals with others in a similar situation.

14. CouponCause

CouponCause is one of the best coupon websites because it donates a portion of its earnings to non-profit organizations!

Some organizations they donate to include the World Wildlife Fund, Feeding America, and the City of Hope.

You can find coupons and promo codes for top retailers such as Booking.com, Amazon, Target, JCPenny, and more.

15. Hip2Save

Hip2Save is one of the best couponing sites for daily deals, promo codes, and coupons. You’ll find coupons from tons of stores, and they also have a section on where to find freebies! They also provide honest product reviews and shopping tips.

16. Printable Coupons and Deals

Printable Coupons and Deals is another one of the best coupon websites available. The site is set up in a very organized way, and you can find coupons for everything from health and wellness to cleaning products.

Find the coupons for the items you want and then print them out.

17. Capital One shopping

Capital One shopping is a browser extension that finds you coupons as you shop online. It’s a super simple way to save money without thinking about it.

There’s also an app version if you prefer that. Plus, the website helps you find deals with retailers like Ulta, Adidas, Levi’s, and more.

18. DealNews

DealNews is a great website for saving money. The website shows their current offers coupon codes, as well as deals for items that are on sale. And you can also sort through them by picking the brand, store, or category.

19. Tada

The Tada website focuses specifically on saving you money with grocery shopping. It gets you cash back as you scan your receipts.

So since you’ll buy groceries anyway, you may as well get some money back! It’s available as an app or a browser extension.

20. Valpak

Valpak allows you to save money through coupon codes. It can also help you find local coupons specific to where you live so you don’t miss out on any deals.

21. PayPal Honey

PayPal Honey is a Chrome extension for online shoppers. It gives you points for purchases, and then you get cash back.

It’s simple, easy to set up, and constantly saves you cash.

Expert tip

Use multiple websites to find coupons and discount codes to maximize your savings. When you utilize various websites, you can combine offers and save more.

What to do with the money you save from coupons

Now that you know the best couponing sites, remember you shouldn’t buy an item just because you have a coupon.

You can seek coupons for the items you already planned to purchase and look for the best deals. Otherwise, you’ll be spending money you weren’t planning to spend and not truly saving to your full potential.

If you use coupons effectively to meet your needs, then the savings will pour in. It might surprise you how quickly your savings add up!

As you build these savings, it is a good idea to use them to reach your financial goals. Here are a few ways you can redirect your newfound savings:

Build an emergency fund

Life can throw some surprises your way. Whether it’s a car repair or a medical emergency, unexpected expenses will pop up. A solid emergency fund can make those unplanned expenses less stressful.

Most experts recommend saving between 3 to 6 months of expenses in an emergency fund. That may sound overwhelming, so start with a $1,000 savings goal and build from there!

Save for your first home

Buying a home can be expensive but an exciting step in your life. The extra money you save from using coupons can help you start saving for your first down payment.

Every little bit adds up and can help you reach your goals faster!

Pay down debt

If you are in debt, then you realize it is not ideal. Stop trying to keep up with payments and make a concerted effort to pay down your debt. Any extra savings can be used to pay off your debt ASAP.

Save for retirement

Although retirement might seem far away, it is important to start saving early. Even if you can only save a little bit at a time, it can add up quickly over time. Take your earnings and deposit them towards your retirement savings.

Treat yourself

Yes, saving for long-term financial goals is important. However, you also need to enjoy your life.

Make an effort to fund your short-term goals, such as a new car or relaxing vacation in cash, instead of going into debt.

Using coupons can help you have more fun money in your budget.

How do I find legit coupons?

To find legit coupons to ensure the coupon source is from the manufacturer, retailer, or a reliable website. In addition, check the quality of the logo. 

If it looks grainy or has a low resolution, it may have been copied by a scammer. Additionally, read the fine print to scope out any fake coupons.

Is it safe to use coupon codes from websites?

There are risks to using coupon codes from websites, so it’s important to take precautions. Only use codes from reliable websites such as the one previously mentioned in this post. In addition, make sure you read the terms and conditions.

Where do extreme couponers get their coupons?

Newspapers and other print sources are where extreme couponers get their coupons. However, many of them also find coupons through apps and websites.

Which website is best for discount coupons?

Some of the best websites for discount coupons include Rakuten, Ibotta, Swagbucks, Amazon Coupons, and Groupon.

What browser extensions can I use to find coupons?

Rakuten, Honey, Capital One Shopping, and RetailMeNot are great browser extensions that work with multiple browsers, including Safari, Firefox, and Google Chrome.  

Articles related to saving money while shopping

Coupons are just one way to save money while shopping. Check out these related posts to save money while spending!

• 13 Ways To Save Money On A Low Income
• 18 Frugal Grocery Shopping Tips
• Grocery Shopping On A Budget: Cut Your Grocery Bill In Half
• How To Ask For A Discount And Save Money!

Use these best coupon sites to save a bundle of money today!

Coupons can be a great way to cut back on costs without cutting down on quality. If you can use coupons strategically, you can score some amazing deals. If you aren’t taking advantage of coupons, you leave money on the table.

Keep more cash in your wallet by leveraging one or several of the best couponing websites we have provided. Also, be sure to shop with a list, make meal plans, and have a budget for all spending! Here’s to saving more money!

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