13 Tips on How to Save Money on Groceries Before You Shop

Get the inside scoop from a grocery store insider on how to save money on groceries before even stepping foot in a store!

Author: Kari Lorz, Certified Financial Education Instructor

Author: Kari Lorz – Certified Financial Education Instructor

Here’s the inside scoop on how to save money on groceries from someone who knows! Me!

Now, I don’t know all the tricks for all the stores, but from working in a grocery store for six years, I picked up quite a few useful pointers on how to save money on groceries!

After reading this, you will have some great ideas to try and know some of the MUST-DO things before going to the grocery store to save money!

how to save money on groceries

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How to Save Money on Groceries – do your research

One – Know which stores have better prices

Many store chains (not just grocery stores) alter their prices by location. I go to a local Kroger chain, and there are two stores within a handful of miles to each other, yet one always has lower prices, so I go there! Now we’re not talking a huge amount, maybe $.30 to $1.00 more per item, but if you add that up over your whole cart and all your trips, that is a lot of money from your monthly budget.

For example: let’s say you buy 12 items, each being $.40 more at one store, and you go shopping once a week. 12 x $.40 more = $4.80 more per trip x 52 weeks a year = $250 more on groceries a year!

So when just starting out, look at the items you buy all the time, then check out prices at your local grocery stores and see which has the best prices (non-sale prices, as promo prices tend to be the same across all locations).

Two – Know your shopping mistakes

So this one is tough, but it can make THE MOST difference in your grocery bill. Do you know what mistakes you’re making when you shop? Yes, this post will give you a great start, but many learn better through video. You may have heard of Erin Chase from $5 Dinners, she has a free grocery savings workshop will walk you through the planning & shopping methods she uses to save a ton at the store!

Three – Know your discount days

Are you a senior or a member of the military? If so, you can save on average about 10% on your shopping trip if you shop on certain days of the week. I always go shopping for produce at one specific store, and I always go on Tuesday, which is the military discount day (my husband is in the military).

Example: If you spend on average, $60 per week on groceries and go shopping once a week, then… $60 – 10% = $6 x 52 weeks = $312 a year saved!

Four – Shop the sales

Grocery stores have new sale items every week, and you can usually go online a few days before the new week and see what’s on sale. Look for the loss leaders (aka items they put on huge discount just to get people into the store). Things like berries, cheese, chicken breasts, etc. Sometimes it’s one item per department, look at the sale flyer’s front & back page to find these items. Go for those!

Just know that stores need to make up this margin in other items, so other items could cost more than usual.

Did you know that stores change their prices on items daily? Not all items change prices daily. What happens is that the Grocery Gods sit at their desk and say, “We need to make more margin on condiments!” So up goes the price of relish and mayo by $.10. Or maybe a particular brand just upped the cost per case of their items, so then that brand goes up $.07 per item across the store.  

Or flash sales happen; sometimes, they’ll find out that their DC is sitting on 42 pallets on mayonnaise. Guess what? Yup, mayonnaise on a crazy good discount is coming up!

Just be prepared that the price you saw last week for your favorite cereal may change. This is just a normal part of doing business for grocery stores. Yet you can help lessen the impact of increasing food prices by buying these cheap foods. You can fill your pantry without emptying your wallet!

Five – Know your local grocery store’s sales

Most stores run big sales around holidays, and stores have deals that are specific to them. For example, Founder Day, or their Anniversary, etc. Know when that is and be ready to spend some $! You’ll end up saving a lot of money on food at these sales by stocking up!

Plus, stores typically put the same item on sale every 6 to 9 weeks. So when I am buying a lot of cereal, I buy enough to get me through to the next sale cycle! (cereal with fresh blueberries is one of my favorite meals!) I practice this same strategy with many items, especially health & beauty goods like shampoo, soap, deodorant, etc.

Also, the days after a big holiday are also the perfect time to score deals! Decorations for next year are now 50% off! Or maybe you’re hosting a birthday party in November, and every kid gets their own pinata, good thing candy is dirt cheap after Oct 31st!

Six – Know what’s in season and what isn’t

Have you ever tried buying raspberries in February? $5.99 for 6oz?!?

Uh… Nope! That would kill my food budget!

Yes, if your kiddo is sick and all they want is raspberries (in February), then by all means, get them. But buying out of season means that you will pay peak prices! This is mostly for items in the Produce Dept and the Meat & Seafood Dept.

You can’t get around having fresh items, but buying frozen food can be a great option! Or better yet, visit a local farm and pick your own! Pick some for eating now and some to freeze for later! I do this every year with strawberries, blueberries, and raspberries. Check out how the cost breaks down compared to buying from stores here in this post on cheap things to do with your kiddos; it’s #15.

Easy Savings & Free Money

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  • Sign up with Cash App and get a $5 bonus when you use code “NRTZMHV.” You have to complete the sign up requirements to get the bonus! Read how to do this here with point #1.

How to save money on groceries – know your resources

Seven – Use your tools

If you have the time, you can compare a few store flyers to see which has the better sale price on items you need (many places do this on their grocery apps). Use the flipp app to access all the digital flyers and look for the best prices and sale items! They have over 2,000 stores, and you can load coupons to your store loyalty card from it to help save on groceries even more!

I usually go through the app every week, and then right before I shop, I load up coupons, and while in the store, I check the app just before checkout to see if there’s anything else in my cart that may have a coupon.

Yes, knowing how to save money on groceries is simple, but it takes a bit of time. I feel it’s a fair trade. Besides, it’s so automatic for me now that I’m really fast going through store apps and looking for and loading coupons.

PS – Be sure to download your store-specific apps, as most of them have digital coupons available!

PPS – Be sure to download a rebate app like ibotta (click and sign up for a $10 bonus!) and Fetch Rewards (sign up to get 2,000 free points!). Again, you’re not going to get rich clipping coupons or scanning. But remember, it only takes 10 seconds max to use these, and it all adds up! (If you really want to 10x your rewards, see my favorite Fetch Rewards hack right here when I go to Target to shop.)

ibotta sign up

For example, with ibotta, I have earned $261 in rebates. Not a lot, but it’s enough for me to buy myself a birthday present every year! Plus, with ibotta, you can link some of your loyalty card accounts to it so it will automatically save! I do this with Target; I never have to do anything to get rebates, I just transfer the rebate money to my account! Easy peasy lemon squeezy!

slash your grocery bill ebook

Crystal Paine’s eBook – Slash Your Grocery Bill is amazing! She blogged for years under the Money Saving Mom site.

The eBook goes over 25 ways to cut your grocery budget. From how to plan a menu on a budget, how to strategically shop, how to use digital couponing apps, and low-budget meal ideas.

Eight – Grab your printable grocery coupons

Couponing gets a bad rep, BUT you can absolutely save money with it if you know what you are doing! So grab the Coupons.com app and start saving! One year, maybe it was 2012, I saved over $13,000 in one year by couponing. (Yes, I had a lot of time on my hands that year, so I tracked everything.) It became a game to me to see what I could get for a super low price! It was fun, and it was addicting for sure!  

Buyer beware, couponing is great if you have a strategy. Yet, you can quickly get into trouble by…

  1. Buying things you wouldn’t usually buy, but you buy it because you have a coupon! You’re only saving money if you use coupons to buy things that you normally buy anyway!
  2. Buying 42 mustards never did anybody any good (unless you donated it all to local food banks, if you did then you’re AWESOME!) Please don’t be a greedy gimmie and clear out entire shelves, that’s not nice. AND you don’t need 42 mustards anyways!

Nine – Coupon stacking

This, of course, ties into tip #6, but to really save money on groceries, you need to embrace the concept and fully understand the beauty that is coupon stacking! Plus, there are so many great resources out there that do this for you! Hip2Save is my favorite site for this! They cover a ton of stores and match up ads to coupons for you! But first, let me explain what coupon stacking is. It’s best done with an example…

  • Frozen Waffles regularly $4.99 a box
  • They’re on sale for $3.99 a box (save $1)
  • You have a manufacturer coupon for $1 off two boxes (you buy two)
  • You have a store coupon for 5% off the entire purchase
  • You shop on your military discount days = 10% off

($3.99 x 2) – $1 – 5% – 10% = $5.97 total = $2.98 a box (saved $2 a box)

Now, you don’t get rich doing this. BUT this is a great lesson, that if you apply it over many things, it makes a significant impact on your food costs! The lesson is; know what your dollar is worth! Just because something is priced at $6 doesn’t mean it’s worth $6, nor that you need to pay $6 for it!

For example, I never pay more than $1 a box for cereal, ever! Because I know that if I’m patient and flexible, I can get it for the price I want to pay. Then when it is $1 a box I buy maybe 6-8 boxes of it, to last me until the next sale.

saving money free templates

How to save money on groceries – the actual trip

Ten – Limit your shopping trips

How many times have you walked into the grocery store needing just two things, and you end up walking out with seven things? ALL. THE. TIME! Going shopping multiple times a week is self-sabotage with falling for an impulse purchase.

Limit your number of trips to just once per week. Have a list on the fridge, or use a digital one (I love Trello), then go once, and if you forgot something then, “Oh, well.” You’ll get it next week. Besides, think of all the time you’ll save by not going to the store!

Eleven – The best way on how to save money on groceries…

… is to leave your kids at home. Sorry, it’s true. I mean, you love your kids! No question about that, but when they come with you, they want everything – they get impulse purchase fever too! Or they are throwing fits, and you just need to hurry up with everything and get out of there as fast as possible! So you grab things left and right and dump them into your cart!

Please forgive me if I have overgeneralized on kids’ behavior at the store; if you have perfect angels, then great! My perfect angel transforms into a demon and decides that she wants a bag of dog food NOW!!!!!!!!!!!!!!!! (and no, we don’t have a dog, but she still wants it!)

Twelve – The cardinal sin of grocery shopping

Okay, so we have all experienced this… You go to the store, and suddenly you are putting four boxes of cake mix into your cart, next in are three bags of spicy chips, and a 1/2 rack of ribs too!

Hmmm… hungry much?

Never, ever, EVER go shopping when you are hungry! EVER! This is like throwing your shopping list out the window! But don’t worry, I’ve got you covered! I always keep car snacks! It will be a cold day in purgatory before I don’t have a snack in my car! By far, my very favorite is Nature’s Bakery Fig Bars! I swear by these bars! Trust me on this; I’ve tried a lot of bars!

Nature’s Bakery Whole Wheat Fig Bars, Original Fig, Real Fruit, Vegan, Non-GMO, Snack bar, 1 box with 12 twin packs (12 twin packs)
  • WE “HEART FIGS!” Our Whole Wheat Fig Bars are always an excellent choice for families on-the-go in search of a wholesome win-win: convenience and nutrition, all in one

When I am running errands before I leave the stop before the grocery supermarket, I check in and see if I am hungry, even the slightest bit of hunger means I eat a fruit & fig bar! (you don’t taste the fig, so don’t worry if you’re wary of it). I eat my bar, chug some water, and by the time I am pulling into the grocery store parking lot, I am all set! My willpower is locked & loaded, and I am ready to say NO to all the tempting treats!

So why specifically these bars? Fair question, here’s the rundown

  • They don’t crumble and make a huge mess in your car
  • If it’s wintertime, they don’t freeze to be rock solid (like some protein bars)
  • If it’s summer, they don’t melt (like some bars with chocolate or honey)
  • They’re tasty and not total garbage (nutritionally speaking).
quote on grocery shopping while hungry

Thirteen – Shop your pantry & freezer first

How many times have you gone through the store with your shopping list, you look at “olive oil,” and you think, “Don’t I have an extra one on the bottom shelf?” Or you buy steaks and get home only to open the freezer and find some there, just staring at you, waiting to be eaten. I am raising my hand right here!

So before I go to the supermarket, I take my list and go through the pantry, sometimes I find that exact thing already there, and sometimes I find a great substitute for it (i.e., lentils for black beans). Now, I try to do this, but I don’t always do it (I get rushed, frazzled, and tired just like the next mom). But I have gotten better when I started using some printables that helped me do food inventory. This way, I can write down what I have and then use that to help me meal plan while scanning the weekly store flyers.

Shopping from your pantry is a great way to drastically lower your food costs if you’re doing a money-saving challenge! Specifically, doing a no-spend challenge can be a great way to clean out older, excess foods that you’ve been “meaning” to eat!

Fourteen – Stay home & shop online

One of the best ways to curb impulse shopping is by not going to the grocery store at all! Due to recent circumstances, many of us have tried out online grocery shopping from Instacart or Amazon Prime Now. Many say that getting your groceries delivered is the new normal and will continue after things calm down.

The great thing is that you can see your running total as you add items to your cart, so you know exactly how much you are spending! By not going into the store, you aren’t tempted to buy things you don’t need.

Let me tell you, from someone who’s seen behind the grocery curtain, stores and food corporations put A LOT of money behind finding ways to tempt you as you are walking through the store! Smells from the deli kitchen, bright “sale” signs with deep discounts, cleverly placed eye-level treats, and bright signing packages with happy people all lead you to spend your money in a big way!

So staying home can absolutely help you save money at the grocery store! Other moms have said that they send their husband to the store, as he only buys what’s on the list (no matter how obvious a need is for something not on the list). While other women say sending their husband is the kiss of death to their grocery budget!

I guess give it a try and see what happens. , Or why risk it? Just choose Instacart and get everything you need and nothing you don’t!

How much do American’s spend on groceries?

Of course, the answer to this question varies greatly by where you live, but in general terms, according to USA Today, “Average grocery spending was about $660 per consumer per month in 2018. This represents 13% of household spending and includes $372 on food at home and $228 on food consumed away from home, including fast food, takeout, delivery, vending machines, and food trucks.

This is more than Americans spent on entertainment, health care, personal insurance, pensions, and education. It also adds up to close to $8,000 per year – a big chunk of change.”

That number seems high to me, but we are fairly frugal with our food, so I don’t know that my family is the “norm.”

While the USDA says as of March 2021, “The latest numbers for a four-member family: a thrifty food plan, $136.10 a week; a low-cost food plan, $174.30 a week; a moderate-cost plan, $214.90; a liberal plan, $265.90 a week, some food waste is built into these costs.” We go deep into this chart, and figure out if it’s even realistic in this post; How Much Should I be Spending on Groceries?

Overall, it adds up to be a lot of money over a year! Something that you can absolutely take action on to save money on groceries!

Knowing how to save money on groceries, all starts with a strategic plan!

There are many different methods on lowering your grocery bill, but the first step is always to make a grocery list, know your grocery budget, and have a plan of attack!

Let’s start with preplanning! Every good General knows you can’t just wing it! You’d end up with pickles and a bag of chili cheese Fritos if you just strolled into the store. So here are the quick tips that you need to do before going to the grocery shop.

At the end of the day

So you have your grocery list ready, you’ve eaten your snack in the car (so you don’t buy the whole store), your kids are at home, and you’re ready to shop! You know how to save money on groceries before heading out to the store!

In this next post, we’ll go through exactly what to do (and what NOT to do) while you are shopping in the grocery store! Plus, some insider info on food safety & best practices to really save money on groceries!

Part 2: This post was all about saving BEFORE you step into a store, but do you know all the ways to save while actually shopping inside the store? Let me tell you, from working in grocery for six years I’ve learned a lot of tricks, and I’m spilling it all right here: 20 Smart Tips to Help You Nail Grocery Shopping on a Budget!

Part 2:
This post was all about saving BEFORE you step into a store, but do you know all the ways to save while actually shopping inside the store? Let me tell you, from working in grocery for six years I’ve learned a lot of tricks, and I’m spilling it all right here: 20 Smart Tips to Help You Nail Grocery Shopping on a Budget!

saving money free templates

What’s the one tip that you’re going to take away from How to Save Money on Groceries?

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  1. I never knew that the same chain store in the same general area could charge differently. I’m going to have to check that one out. Thanks for the tip!

  2. Awesome tips on how to save money on groceries. I need to implement these great tips! Thanks for sharing 🙂

  3. Nature’s Bakery Fig Bars is also my fav! And never go shopping when you are hungry is also a great point. This happens too me once in a while and I always feel extremely guilty about myself!

  4. Great tips! I am always looking to spend less money on groceries because apparently I spend more that a thrifty family of 4 just for me. I do all my grocery shopping through Instacart so I end up trading convenience for saving money but I can definitely apply a lot of these tips!

  5. There are so many great tips in here. I agree with your tip #1 about comparison shopping. For years I frequented the grocery store that was closer to my house because it felt more convenient. When I finally visited the grocery store that was just a few miles farther away, I was shocked by how much lower their prices are, pretty much across the board. I had no idea! I also agree that so much of the savings happens before you step foot in the store. Weekly meal planning is a huge cost saver for our family.

  6. Yes we have switched to online groceries and we did save, because we are not driving at all.

    Thanks for your tips on saving groceries, just that we don’t have couponing in our country!

  7. Great tips. My favorite one is buying what is in season. Not only it costs less but it also has more nutrients.

  8. Great tips! 100% agree with trying to limit your trips, or else I’m guilty of leaving with more than what I “needed” lol

  9. I need to try coupouning and finding out my stores discount days. I spend way to much money on groceries a week.

  10. I am for sure going to be implementing these!! Thank you!! Shopping for what’s in season is a good one! I really need to practice couponing more. I feel like that is an art I have not yet mastered.

  11. These are great tips, especially for 2020! I feel like being home so much our grocery bill has sky rocketed.

  12. These are awesome tips! We are definitely guilty of shopping hungry, or in my case currently, shopping while pregnant LOL. Thanks for all the helpful suggestions.