Tips to Save Money at the Grocery Store

We’ve all felt the pinch at the grocery store since COVID, according to CBS News “supermarket prices are now 25% higher than in January 2020”. Below are spending tips that can help your wallet when shopping.

Tip 1 – Use Cash Instead of Plastic

Studies have shown that when you use cash, you’re less likely to overspend compared to when you use your card. If you walk into the grocery store with $200, you’ve already mentally set your budget. If you exceed it at the cash register, you’ll have to decide whether to return an item to stay within your budget. On the other hand, if you’re using a credit card with a $1,500 limit, you might be more inclined to add extra items without much thought.

Tip 2 – Make a Grocery List

Creating a grocery list helps you keep track of what you need. Having a list gives you a roadmap of your necessities. Without one, those Keebler cookies or a six-pack of Spotted Cow might seem more tempting. It’s not to say you shouldn’t buy these items, but if they weren’t on your list initially, purchasing them becomes an impulse buy, increasing your overall spending.

Tip 3 – Order Groceries for Pickup or Delivery

Grocery delivery services like Instacart can be a game changer and have made grocery shopping more convenient. While you may incur additional costs such as tips and delivery fees, you’re also saving valuable time by avoiding trips to the store. Moreover, if you have small children, you won’t have to worry about those little hands sneaking extra items like boxes of Capri Sun or sweets into the cart.

Tip 4 – Consider Shopping at Aldi or Wholesale Stores

If you’ve ever shopped at Aldi, you’re familiar with the need for two things: reusable bags and a quarter. Aldi passes on cost savings to consumers through these measures. Additionally, Aldi carries many non-brand name items that you may not find at larger grocery stores, further contributing to your savings.

Shopping at wholesale stores like Costco or Sam’s Club could be a viable option, especially for large families. These stores offer bulk household essentials such as toilet paper, paper towels, laundry, and dish soap, as well as certain grocery items. Plus, you’ll often get the bonus of sampling new items they offer.

Please Note: Bigger quantities cost more and can bust the budget.

If you have any questions, please contact your Francis financial planner or reach out to us via phone at 866.232.6457 or email at

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