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Save Money On Your Grocery BillShannon Jarvies Weve all heard about certain ways to cut your grocery bill like avoiding the grocery store when youre hungry, using coupons on double coupons day, and buying only the items on your list. These are all good tips and we should keep using them. However, Ive found a few pointers that might help you save even more on your grocery bill. The first thing you need to do after youve made your grocery list is to try to figure the total cost of your grocery bill. Make sure youve got everything on the list that youll need because after youve made an educated guess youre going to go to your purse or wallet, take out the cash and leave the rest behind. Believe me, this will definitely cut back on the unnecessary extras because you wont have the credit cards to fall back on. And if youre like me, youd rather be hung upside down by your toe nails than be found short at the check out. Dont be afraid to look on the day-old bread rack or in the "about to expire" section of the meat department. You have to be careful, but youll probably be able to tell whether the item is good. Just make sure to use it right away, dont let it sit in your refrigerator for a week. Who knows, it just might "meat" your expectations and save you money in the process! Another thing to think about is the time of day, time of week and even time of month that you are shopping. Ive found that early in the morning and in the middle of the week is when the grocery stores are less busy and youll be able to get more efficient shopping done. Be careful not to go on the first day or two of the month. Some stores have been known to raise prices because that is the time that social security and welfare checks go out. Buy in bulk when it makes sense. If youre shopping at Costco or Sams Club you still need to comparison shop. Ive found that some of the items are just as inexpensive at our local grocery store and there have been times when Costcos or Sams Club prices where higher. So most of the time it makes sense for me to get most of our groceries at my local store because we live two hours away from Sams Club Look high and low for savings, literally. The grocery stores purposely place the higher-priced name brand items at eye level. The lower priced generic and store brands are usually higher and lower than the brand name items. Remember that the generic brand or store brand isnt always the less expensive. Some stores Ive been to list the cost per ounce, or per item trash bags so be sure to compare these prices when shopping. Last but not least, if youve got kids at home try to find another mom to trade shopping times with. Its a lot easier to shop without kids, you wont be tempted to buy extras just to keep them quiet and youll have more time to comparison shop. Your chances of having an enjoyable shopping experience will go up as well as their chances for survival!
| RELATED ARTICLES Useful Tips On Buying A New Or Used Car Buying A New Car:A new car is second only to a home as the most expensive purchase many consumers make. That’s why it’s important to know how to make a smart deal. Think about what car model and options you want and how much you’re willing to spend. Do some research. You’ll be less likely to feel pressured into making a hasty or expensive decision at the showroom and more likely to get a better deal. Retirement is never urgent until... If you’re like many people, your retirement savings have not been growing consistently over the years. We’re not referring to the wild fluctuations in the stock market, but rather the fluctuations in our short-term needs. Every once in a while, it just seems like a good idea to yank ALL those retirement savings out and pay for something. Online Mortgages in 5 Easy Steps! Were all entitled to the opportunities and benefits of home ownership. 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Pay-Per-Click Search Engine Advertising allows you to quickly get top search engine placement by “bidding” paying for keywords related to your product or service. Cheap Christmas Gift Ideas Now that the biggest shopping season of the year is in full swing it might be a good time to create a holiday budget. Im sure there are lots of names on your list, but hopefully you can find gifts that wont put a big dent in your pocketbook. Ive come up with a few good ideas that might help. Warning: Todays "Non Profit Credit Counselors" Are Yesterdays Bill Collectors! Heres a dirty secret, todays "non profit credit counselors" are often just front organizations paid lucrative commissions by creditors to keep consumers from declaring bankruptcy! Eight Ways to Consolidate Debt Next to winning the lottery, a debt consolidation loan is a debtor’s dream. With one monthly payment and a fixed monthly payment schedule, you can actually see an end to those monthly payments. Is an ARM Right For You Let’s start by taking a look at 7 key elements of an adjustable rate mortgage: Consolidate All Your Debt Into One Monthly Payment Are you feeling overburdened with debt Are you paying out too much every month for your credit cards, store cards and loans Then why not replace them all with one, lower, convenient repayment through a consolidation loan Save Money On Your Grocery Bill Weve all heard about certain ways to cut your grocery bill like avoiding the grocery store when youre hungry, using coupons on double coupons day, and buying only the items on your list.These are all good tips and we should keep using them.However, Ive found a few pointers that might help you save even more on your grocery bill. Home Equity Loan vs Home Equity Line Of Credit Many people confuse a home-equity line of credit with a home-equity loan. With so many different kinds of loans it can get confusing. So lets look at the difference so you can get a better understanding of what works best for you. Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards by David Hall Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Prepaid Credit Card spending limit is the amount of money you loaded to the card. There are no interest or finance charges on a prepaid card. With secured credit card, your credit line could be from 50% to 100% of your deposit depending on the institution giving you the secured credit. Therefore the company giving you the secured credit card has zero risk. It Only Takes a Few Simple Steps To Avoid Student Loan Debt Student loan debt is a problem that affects many former students. It is a long and difficult process to pay off a student loan.Undoubtedly, it is much easier to avoid student loan debt in the first place.There are a few simple steps that can be taken to either escape student loan debt or ensure that the debt won’t be too hard to pay off in the future. Consider student loans only after you have researched all the sources of free financial aid.Many people who are eligible for financial don’t even realize it and instead take out a student loan.If you are not eligible for financial aid and need to take out a student loan, be aware that there are three major types of student loans: Federal Family Education Loans, Federal Direct Loans, and Federal Perkins Loans.Make sure you don’t go over your head in debt by deciding how much you can afford to borrow, and how much you can realistically repay. Debt Consolidation There are many reasons why people get into debt - some of them self inflicted and some of them way outside of our control. Losing a job, illness or accidents, all of these can suddenly plunge one into unexpected expenditure, and often the only way to deal with the emergency is to use debt. There is a tendency, however, to keep on borrowing once you start. This is because the process becomes so easy - credit card companies and banks seem keen to throw cash at you, and the interest payments, when regarded individually, often seem insignificant. Before you know it, you are deep in debt, owing money to several institutions and card companies, and the bills are mounting. This is the stage when one starts to notice infomercials and TV ads for debt consolidation. Burdened with Debt Too many debts Having trouble paying your bills Are you worried about losing your home or your car Getting Good Value Personal Loans Over recent years, personal loans have become a popular solution for many consumers looking to raise finance for a variety of purposes. You can get personal loans for all sorts of things, from debt consolidation to holidays, cars and other purchases. It is far easier these days to get a great deal on finance, with cheap personal loans available from a variety of competitive lenders. Why Choose a Debt Consolidation Loan If you are one of the many people who continually struggle to cope with an ever increasing amount of debt the solution could well be within your reach. |
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