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Groceries on a Budget - Literally

July 1st, 2011 at 06:53 pm

Do you have a budget? Most of us do. They include items like car payments, mortgage, credit card bills, and most definitely groceries. But do you have a separate budget for groceries?

A what?

Most people do not think to actually make an itemized budget for their grocery shopping. However, it is not only a great financial tool, but it will also help you cut down on unhealthy foods, and will help you stick to your grocery lists!

A few days ago, my wife wrote up a budget on Google Docs. And I must say, I am quite impressed!


As you can see, she did a great job of categorizing items and applying a set amount, as well as laying out how often the items are purchased.

Such an easy task, yet such a huge helpful tool!

What's more, you need to be able to stick to your grocery list! Never, ever go to the store without a list. You are much more tempted to make impulse buys this way. Even with a list, impulse buys are still a hazard. Also, try not to go to the store hungry!

A great way to make your grocery list correspond with your budget is to write the amount you plan to spend on the particular item, next to that item. See below.

Doing this, we were actually able to get MORE groceries for LESS. We ended up saving $13 than what we usually spend on the month's first week of groceries.

Now that's what I call a good job budgeting and saving!

iPhone App: A great app for shopping, that I like to use, is called http://itunes.apple.com/us/app/shopshop-shopping-list/id2883.... Super simple, and super FREE.

My Daily Frugal Lunch

July 1st, 2011 at 12:06 pm

I know a lot of people eat out, especially for lunch while at work. This is not only hard on your pocketbook, but also on your health. Here is what I have for lunch every day, M-F, thanks to my wonderful wife.

- Sandwich (of some variety; PB&J, meat and cheese with spinach, etc.)
- All-Natural crackers or baked chips (Wheat Thins, Triskets, Kettle Brand baked chips, etc.) - one serving size
- Organic baby carrots
- Tillamook All-Natural Lowfat yogurt - there is absolutely nothing artificial in these cups of delicious yogurt! And, they're super cheap! About $0.40 each.
- One full http://waterbobble.com/ - I drink about 3-4 of these a day. Best part is, it's refillable and has a built-in filter!

This is a super low-cost lunch and I enjoy it every day!

Hidden Savings

June 30th, 2011 at 09:41 am

This week, I have been seeking advice from the community, pertaining mainly to our current budget. It has most definitely helped!

Here is the topic: [url]http://bit.ly/lUTyBW[/url]

First, it started with some reality checks. My wife is a SAHM, and she loves it. However, we may need to have her help pick up some slack. We don't have many options for child care, so she may have to do something on the weekends. However, what is more likely, is that I will be using my Certificate in Massage Therapy to work in neighbouring towns that do not require a massage license. I will be working toward that license so that I may get a better position here in Boise.

Next up, was addressing my high interest credit card. I recently paid off a Best Buy card and have one card left; my Master Card Platinum. While this card is pretty customer friendly (no annual fees), it's pretty high interest (24.24%). One user suggested looking for a lower interest card and transferring the balance. My CU, Idaho Central Credit Union, is awesome. They have great credit cards. So I applied.

Having been in contact with the store manager at the downtown branch where I frequent, I soon found out that they could save us money on our car payment as well! Long story short, I did not qualify for the credit card, but did qualify for a $4,300 loan (covering the current auto loan AND my MC cc) at 4.99%!

We go in on Friday to sign on the dotted line. Smile

It's great to find out that savings are out there just waiting for you!

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