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Food is a huge area of spending when you’re a family with growing kids. Any way you can cut your food costs is a considered a win. When it comes to saving money around food, realize that it all counts. Lets get started on how you can save money on your grocery bill

How To Save Money On Groceries – Pregame: Before You Go To The Store

I covered a lot of this in what you need to do before you go to the grocery store. Here’s a quick summary:

Step 1-Sign up for your grocery stores rewards program

I can’t tell you the number of times the person in front of me is asked for their rewards card and they say: “Nah, I don’t have one.” It’s such a waste.

If you don’t have a rewards card at the grocery store you shop the most regularly, then you’re throwing away money. Go sign up for your stores rewards program! I did and I save big time from it.

Within a few weeks I was receiving emails for saving on my specific spending habits. As you can see from this pic, I’m saving 20% on several items we buy regularly. INCLUDING MEAT!!!

Weekly Ways to Save Money On Groceries

Step 2 – Get These Grocery Store Money Saving Apps on your Phone:

Step 3 – Make a Meal Plan and a Shopping List

Shopping from a list is not only efficient but also provides a saving opportunity (and you’re less likely to throw food out, as you have a plan for what you purchase). Make sure you’re getting the right food and not wasting extra time and money wandering around the store for things that grab your attention. If you need the list that we use you can sign up for our newsletter and get access to the list and several other resources that can save you money.

Click here to sign up for our free members only section

All done your list and plan? Great!

Related post: 4 Things You Must Do Before You Go To The Grocery Store

Now it’s time to save money at the grocery store.

Step 4 – Find Out When Everything Gets Marked Down

Ok, you have pre-planned your shopping, now you need to hit the store for the big game!

The first thing you should do on your next trip to the grocery store is to find out when certain items get marked down.

Find the store clerk and ask them when this happens. Is it overnight? In the evening? Midday? Certain days of the week?

How to save money on groceries Meat Discount

Don’t ask one person, ask a few. I make it a point to ask the stock person, the department manager, the cashier and anyone else. It’s a good idea to ask a few people as they can mark things down at different times of the day. As you can see the results speak for themselves.

Especially for saving money on meat 

If food is one of the largest expenses, I would imagine meat makes up a large part of those expenses. It’s a huge part of every food budget and it’s not lowering in price anytime soon.

Step 5 – Start Shopping When Things Are Marked Down

Next, start to show up when things are marked down. I have been able to get meat that is 30% off (see the pic above). With my above 20% discount from my weekly email that’s upwards of 50% savings!!!!

As soon as it comes home, it’s split up and placed in freezer bags for when we need it. This way, there is no need to worry about it going bad. Other times we cook it all up and freeze it to use it for crockpot recipes.

End of Aisle Clearance

Step 6 – Look at the End of the Aisles for Extra Savings

I’m amazed at how many times I casually pass the end of aisle before I see the pure gold of savings. From coffee, to hair care products, there are lots of “end of the aisle surprises” that might make sense for your budget and spending.

Step 7 – Buy Generic

I don’t know about you, but the price between a “premium” canned vegetable and a store brand canned vegetable can be quite different. Whenever you can, buy the one that makes the most sense price wise. Last time I checked diced tomatoes were diced tomatoes

Cost of generic versus premium label


Step 8 – Make Sure You’re Comparing the Right Prices

I’ve been very guilty of buying whichever brand is the cheapest. Until recently I realized I was doing things the wrong way.

The way to find the best deal is to look at the price per unit. On the shelf sticker, the price should include the cost per unit. Look at the price per 100 g, price per ounce, or price per unit. Then compare the two products you’re considering

A little due diligence can save you a lot on money. Remember the price you pay isn’t the only factor. A brand-name product might be the same price as the generic brand, but it could have 20% less product. Take these two coffee boxes in the picture below. They’re the same price but one has fewer cups, making one cheaper.

Compare unit cost when comparing k cups

Step 9 – Buy Frozen Produce Instead Of Fresh

I’ve never been a huge fan of frozen food until recently. Someone pointed out that frozen foods aren’t the same as they used to be. Now when vegetables and fruits are frozen it’s done almost immediately after harvest. Today, we use a technique that flash freezes the produce to preserve them better.

Compared to fresh produce that is gathered, shipped in a container and sprayed with chemicals so they last longer, fresh produce seems to have some advantages in this regard. Then, they sit out for any grubby hands to fondle them before you them and bring them into your home.

Ok, I went too far on that one, but you get the point. Frozen foods last longer and they’re definitely not what they used to be. If you are buying produce to cook it up may be worth looking at frozen instead of fresh.

Step 10 – Bank With Them

If you haven’t considered PC Financial (as an exmaple), you should (I’m not an affiliate but I have been using them for over a decade). They have no fee banking, and you can take out money free of charge from any CIBC branch. Banking with PC will give you extra points which will translate into free groceries down the road. By banking with them I get extra points which I can apply to my groceries.

Saving money on groceries and saving money on banking is a double win.

Step 11 – Use a Cash Back Credit Card When It Makes Sense

I use a cash back credit card that gives me extra cash back rewards when I spend money on groceries (and other things purchased at the grocery store). Doing the math it made sense for us. The average family of 4 spends $1000 a month on food. If you can save 4% off your monthly groceries, that’s $40 every month, or $480 a year. That’s worth looking into.

Of course, if you have spending problems or issues with using credit then this should be avoided. But, if you know that you’re spending $1000 a month at grocery stores, then a cash back credit card might be a good thing for you. Credit cards aren’t a good fit for everyone so exercise your judgement here.

Step 12 – Take Advantage of Discounts When They Come Up

This is harder to do with a strict budget. If you can, start thinking of your food spending like a business. If there is a sale on chicken and you can afford to buy extra, then buy extra. The savings are better to get now rather than when you come back in two weeks for more chicken only to find it’s back at the regular price.

Most of the time the things we need won’t be on sale at the time you’re shopping for them. When you look at your food budget as a year long budget and freeze the extras that you buy, you can find yourself saving tons of extra cash along the way. Remember every dollar you keep is another one you don’t have to earn. It all counts!

If you are looking for a 4% cash back on your groceries, this is the card I use and recommend.

Cash back credit card 4% back on groceries

Step 13 – Look for Discounted Gift Cards For When You Shop

If you haven’t checked out Gift Card Granny, you should. People sell their gift cards at a discount, which means a savings right from the start. I looked into a few (see below) and you can save 4% at Walmart, 5.5% at Whole Foods and 5.72% at Target. These are savings that come off the top.

Think of it another way, if you were spending $1,000 a month on groceries, and only shopped at Walmart, that’s an extra $40 in your pocket, for taking the initiative and finding a few ways to save before even leaving the house.

Click the image to check out Gift Card Granny and start saving.

Gift card granny grocery card discounts
Scotia Momentum Visa Infinite card

Ways To Save Money On Groceries – Recap

  1. Sign up for your grocery stores rewards program
  2. Get these apps on your phone: Checkout 51        Ibotta     Coupons.com  
  3. Make a Meal Plan and a Shopping List (Get ours here)
  4. Find Out When Everything Gets Marked Down
  5. Start Shopping When Things Are Marked Down
  6. Look at the End of the Aisles for Extra Savings
  7. Buy Generic
  8. Make Sure You’re Comparing the Right Prices
  9. Buy Frozen Produce Instead Of Fresh
  10. Bank With Them
  11. Use a Cash Back Credit Card When It Makes Sense
  12. Take Advantage of Discounts When They Come Up
  13. Look for Discounted Gift Cards For When You Shop (Start looking here)

I’m sure I’ve missed other ways to save money at the store, so let me know some of your tips and tricks in the comments below.

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