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Is There a Best Way to Meal Plan?

July 2, 2018 By MelissaB 1 Comment

The price of groceries just seems to keep going up, and up, and up.  How much I’ve spent on groceries has nearly doubled in the last five years.  True, my kids are older and hungrier, but in general, the price of groceries themselves has increased.  In our household, groceries are our biggest monthly expense behind our mortgage.

If you’re like my family, you’re constantly looking for a way to cut your monthly grocery costs.

I’ve found that reducing grocery expenses largely comes down to making a plan and sticking to it.  There are several ways to do this.

Make a Monthly Meal Plan

Best Way to Meal Plan
How do you meal plan?

Some people lower their grocery costs by making a monthly meal plan and shopping once a month.  Of course, when I say shopping once a month, that doesn’t mean it’s the only time that they go to the store.  Rather, they have one large shopping trip at the beginning of the month, and then they go to the store 1 to 3 more times during the month to get fresh produce and milk as needed.

This technique can save money mainly because you keep yourself out of the stores and avoid impulse buys by doing so.  You’ve likely gone into the store to buy one or two items and found yourself walking out with a cartload of groceries.  Those impulse buys, even if there a good deal, can destroy your budget.  Those who shop once a month reduce their spending simply by reducing the number of times they allow themselves access to the grocery store and impulse buys.

Make a Menu Plan

Another technique is to make a weekly menu plan based on what you find on sale in the grocery store flyers.  Between the items that you see on sale and the items that you already have in your house, you make a menu plan and shop for the loss leaders and whatever other items you need to make your meals.

Shop First

Still others go to their favorite store first and scout out the good, unadvertised deals.  For instance, if pasta is on clearance, they may buy many bags of it and have several pasta meals that week.  If they find a great deal on beef, they may make a stroganoff using the beef and pasta for one meal, and a spaghetti bolognese for another meal.  These planners find the good sales and then make a menu plan.  Once they get home, they rely on Pinterest, the internet and sites like MyFridgeFood to help them decide what to serve based on the great sales they found.

For years I have debated about which method works best and which one saves the most money.  But, the bottom line is that you must choose the method that works best for you and your family.  In this season of our family life, method two works best for us.

However, it doesn’t matter which method works best for your family.  What really matters if you want to cut your grocery costs is that you have a plan and you utilize one of these three methods.

What is your favorite way to menu plan and save money?  Do you prefer one of these methods or a different one?

Filed Under: Frugality, Saving Tagged With: food plan, frugal grocery, frugaler, grocery, grocery shopping, meal plan, meal planning

8 Free and Cheap Things to Do with Kids This Summer

June 29, 2018 By MelissaB 1 Comment

Summertime is here, and if your kids aren’t already out of school, they will be soon.  Summer is the perfect time to make memories with your kids, but if your plans include the local theme park, shopping at the mall, and meals out, plan to spend a lot of money entertaining the kids.  While you can enjoy summer that way, there are plenty of ways to enjoy the summer without spending a lot of money.

Here are some of our family’s favorite low-cost or free summer activities:

Have a Picnic

Pack some sandwiches, chips and some fruit, and take a drive out of town.  Find a nice, rustic place to have a picnic and spend the afternoon.  Kids will appreciate the adventure and change of scenery.

Go to Summer Movies

Several movie theaters, including Harkins and Regal, offer discounted movies for kids during the summer.  For 10 weeks, my kids and I go to Harkins theaters once a week to see a movie.  The best part?  We buy a pass for each of us for $5 apiece.  Yep, if you see all ten movies throughout the summer, you pay just .50 a movie.  The four of us can see a movie for $2 total every week.  Can’t beat that.

Attend Free Concerts

Many cities offer free evening concerts and movie showings.  Just check out the happenings in your town every weekend.  You may be surprised how many free events you can find.

Enjoy Summer Bowling

There is also a summer bowling program, Kids Bowl Free, that you can sign up for.  While the bowling is free, you do have to pay for shoe rental.

Attend Library Programs

Every week, our local library has at least one free program for kids.  This week, my son will be taking a one hour art class.  Next week, my daughters will be taking a free science class where they will be erupting mini-volcanoes.  While you’re there, don’t forget to check out a few books, DVDs, and CDs.

Camp in the Backyard

If your kids want the adventure of camping but you don’t want to pay the camp site fee, why not camp in the backyard?  Kids get the adventure, and if they get scared during the night, the house is only a few steps away.

Go to the Beach

Is there anything better than visiting the beach on a hot summer day?  Bring your sun screen and a lunch and spend the whole day playing in the water, reading a book, and getting a tan.

Have a Movie Marathon

Feeling nostalgic?  Why not watch the Star Wars movies with your kids or the Back to the Future trilogy?  Watch a movie a night until you finish.  Enjoy popcorn and reminiscing about watching these movies in your own childhood.

Summer can be expensive, but it doesn’t have to if you know where to look to find free and cheap activities to keep the kids entertained.

What are your favorite free or cheap activities to do with the kids during the summer?

 

Filed Under: Children, Frugality, Married Money, Saving Tagged With: Bored Kids, kids, Summer, summer kids, summer vacation, vacation

Simple Ways to Save Even When Money Is Tight

February 20, 2018 By MelissaB 4 Comments

For the 15 years my husband and I have been married, we’ve always shared just one car.  Actually, most of the time I’ve been the one with the car—first because I had to drive to work while he could easily take the train, and, once I became a stay-at-home mom, because I usually had the kids that I needed to transport while he could commute by public transportation.

While he’s been a good sport about this situation, the time has come to finally buy another car that he can use.

The problem?  We don’t want to take out a car loan because doing so would create a serious strain on our budget.  We want to pay cash instead.

But how do you save money for a car when you feel like there’s absolutely NO wiggle room in your budget?  Here are the strategies we’re using.

Save Cash Back from Credit Cards

Our credit card regularly gives us cash back.  For the first three months of 2016, we’ve earned just shy of $150 in cash back.  If we continue at this pace, we’ll have an extra $600 in cash back thanks to using, and paying off, our credit card each month for as many purchases as we can.

Save Whenever You Receive Discounts on Regular Expenses

This is my favorite way to save because there are so many opportunities to save this way!

For instance, at Christmas, we received a postcard from our car repair shop offering 10% off our next car repair.  I held onto that, and just last week we had a $284 car repair.  We saved $28 thanks to the postcard, and that money went right in our car fund.

We took a vacation recently and stopped by Denny’s on our last day when we had eaten up all the food we had brought with us in the cooler.  Our total was $39, but for some reason, the cashier decided to give us a $6 discount.  I put that money right in our car fund.

Our grocery store gives fuel rewards points for shopping.  For every $100 spent in groceries, you get 10 cents off your next gallon of gas.  If you buy a gift card, your reward points are for double that amount.  I send any of those savings to our car fund.  Just today I put 19 gallons in my tank, and I got 20 cents off per gallon.  I put that $3.80 into our car fund.

Save Change or a Specific Bill

I don’t use this strategy anymore because we typically use credit cards for our purchases, but when I was using cash a lot, I never spent the change and earmarked it all for a specific fund.  One time, I went several months saving all of the $5 bills I got and used them to pay down debt.

To be sure, none of these savings strategies is growing our car fund at an impressive rate.  However, we ARE saving something using ways we save in our everyday lives.  We’re consciously, physically setting aside our savings, which is a great way to save when your budget is tight and you feel like you have no wiggle room.

Do you save like this?  If so, what are your favorite strategies?

 

Filed Under: Frugality, Saving, ShareMe Tagged With: bills, debt, expenses, Saving

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