When I first started my financial journey, I kept hearing about beans and rice, rice and beans. I tried living strictly on the same meal over and over but I was miserable! I felt restricted and bored without enough food choices.
Buying organic is really important to me. I do my best to fuel my body with the cleanest foods possible. So, I was thrilled to discover Costco carries organics! in bulk! I‘m now able to cut my grocery bill in half and prepare a wide variety of meals. Keep in mind I’m a single girl in her twenties. I haven’t had to feed an entire family so this is just what works for me.
#1 Track how much you spend. First things first! In order to create a realistic budget we must first take a look at our spending patterns. Review your grocery bills from the past two months and get an idea of the amount you will need to set aside for food.
#2 Look for ways you can reduce your grocery budget. If your bill seems a bit high try buying in bulk. There are many stores that offer wholesale pricing with membership. Want to avoid membership fees? Ask a family member if you can borrow their membership card. Heck, plan a shopping trip together and offer each other accountability. My sister and I did this last weekend and laughed the whole time! It was a fun way to spend time together, while still being productive.
#3 Divide your grocery budget by two (I get paid twice a month). Pull out half of your food budget per paycheck. This will help avoid spending all of your allotted food money before the end of the month. I like giving myself a little cushion because fruits and veggies are necessities and I never want to feel like I’m lacking money to eat. If I ever have cash left over it simply carries into the next month’s budget.
#4 Create a meal plan. Meal planning saves so much time and money! I love searching pinterest and choosing new recipes for the week. Because I work full-time I prefer prepping my lunch and having everything ready to go ahead of time. It’s one less thing for me to do when I’m getting ready in the morning.
TIP: When shopping, always carry a grocery list! Having a clear intention helps me to stay focused and on a time crunch. There’s really no reason to spend hours roaming the aisles. Stores are set up to encourage spontaneous purchases and I’m not a fan of being played. Lists make the world a better place!
Living on a budget isn’t the most exciting thing in the world but YOU ARE DOING AN AMAZING JOB!Remember to be kind to yourself and continue improving each day.
Do you have a budgeting tip I missed? How do you budget for groceries?