4 Ways to Make a Perfect Money Saving Grocery List (2024)

Saving money on groceries all starts with a list. A grocery list that has a plan. Not a list you jot down what you are out of.

A well-planned grocery list will save you money this week. Right now you could save $30 and have your monthly phone bill paid. All it takes is making the right grocery list.

When it comes to saving money on our groceries we need to have a plan. We need to prepare.

The first thing to remember always when writing a list is this.

Don’t buy an item UNLESS IT IS ON SALE! ( If you don’t read the rest of this post take that to heart and it can change your grocery budget)

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4 STEPS TO HELP YOU CREATE A MONEY SAVING GROCERY LIST

STEP 1

Only buy something that is on sale.

Have you noticed the flyers for stores in your Sunday Newspaper? If not, start noticing now. It would help if you had those.

When you make a list, you will save the most money when you buy items on sale.

Add those on-sale items to a list and then go through and find any coupons for it or rebate apps offering a discount on it. You can easily search for coupon deals through this website here by typing in the item you are looking for.

The best beginner apps to save money by scanning your receipts to start with are Ibotta– join here and get a $10 welcome bonus and Fetch– sign up to get bonus points with my referral link.

If you are a wholesale shopper be sure to check out my BJs deals blog here and my Costco deals blog here.

STEP 2

Know Your Budget

Then think about your budget. Do you have a budget? Oh dear if not go here.

If your budget is $100 for the week you need to head over to your pantry and take a quick scan. I personally think BJ’s or Aldi has amazing prices on their spices and pantry items.

If you don’t have the basic pantry items this first week your list will be long and over budget. Next week you may even come under budget. Think of the positive!

So you know you have a $100. You looked in your freezer and pantry. You have some chicken stock and some pork tenderloin.

First, think of meals you can make based on what you have. This is good to use up what you have to create more space in your kitchen and not spend money on food you don’t need.

Emotional spending is harder with food because we look at all food as a need.

BUT, if you have basic pantry staples and some protein, do you need all those carb-loaded snacks?

STEP 3

Meal Plan

So let’s say you came up with two meals based on what you already have. We have 7 days a week. You need to figure out 5 more meals to make. Also when you browsed in your pantry you were looking for any snacks, breakfast and lunch ideas too right?

Remember breakfast can always be simple. Eggs, toast, oatmeal, cereal. All these things are cheap.

So you need to come up with 5 dinner meals. Look through the BJ’s Coupon Matchup listsor any other store of your choice through a blog. Scan the list for a protein. Let’s say chicken.

Guess what comes up? Perdue Oven Roaster Chicken has a coupon!

I use this search tool here. You can type in a product or brand name and it will show if it is on sale at any grocery retailer that week.

You are going to fill the rest of your week with that protein. You can get two meals out of that roaster. They are bigger. What should you have as a side? Frozen veggies? Whatever you are thinking for a side do a search again for it on the coupon matchup list.

If nothing comes up you can check your local grocery store’s ad. Otherwise, stick with frozen veggies. These are always a great price at BJ’s– we always get the Organic variety too or Aldi I find has great prices. Target and Walmart you will find deals wait for a sale or get the store brand.

Now you have three meals. Do you need to have a meat all three meals?

If you really hate meal planning check out my favorite meal planning app here. You can create your list on your phone. Swipe away the items in the store that you put in your cart and customize it for every single diet out there!

STEP 4

Complete Your Meal Planning & List

Could you do pasta for a couple nights? Pasta is something you can get free or dirt cheap at BJ’s and many other grocery stores. This depends on your budget again. If things are tighter this week have pasta three nights. If not pick another meat or a meat-free protein.

Then think of the snacks your family likes. Start typing those in the coupon matchups. You can use the pricebook for almost all the items at BJ’s so you will know how much you are spending for the week.

If you are thinking ok that’s all fine and dandy I have NO IDEA what to make my family. Think simple. You do not need three sides. Do one protein and one side. You do not need dessert every night. That’s too much work. Think simple.

Check out this website where you can type in what you have in your fridge and it will create meals for you.

I know meal planning is a need for so many people and the struggle is real. If you want a healthy real foods meal planner you can get the app here.

You are creating the perfect money saving grocery list when you are buying things you need. Buying items on sale and when you can maximize the sale price with a manufacturer or an app e-coupon.

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CONCLUSION

My friend this completes the 4 steps to creating a perfect grocery list. Remember this may seem like a lot the first few times you do it. In a week or so it will be easier.

Motivation will take place as the savings increases.

4 Ways to Make a Perfect Money Saving Grocery List (2024)

FAQs

4 Ways to Make a Perfect Money Saving Grocery List? ›

There are steps a family of five can take to save on groceries, including meal planning, taking advantage of coupons and weekly deals, and making a shopping list ahead of time. Those strategies allow families to spend more mindfully and, ideally, lower their grocery bill.

What are 3 tips for saving money on food? ›

How to Save Money on Groceries
  • Redefine dinner. ...
  • Crunch some numbers while you shop. ...
  • Round up your grocery cost estimates. ...
  • Raid your pantry. ...
  • Think before you buy in bulk. ...
  • Know when to shop. ...
  • Start freezing and storing meals now. ...
  • Pay with cash.
Jan 18, 2024

How can a family of 5 save money on groceries? ›

There are steps a family of five can take to save on groceries, including meal planning, taking advantage of coupons and weekly deals, and making a shopping list ahead of time. Those strategies allow families to spend more mindfully and, ideally, lower their grocery bill.

What are the 5 steps to save money? ›

5 simple steps to start saving
  • Set one specific goal. Rather than socking away money into a savings account, set specific goals for your savings. ...
  • Budget for savings. Just because you decide to save doesn't mean it's going to happen. ...
  • Make saving automatic. ...
  • Keep separate accounts. ...
  • Monitor & watch it grow.

What is the 6 to 1 grocery method? ›

The 6-to-1 Grocery Method is a basic calculation (we're talking elementary-level math, basically counting), to plan your weekly grocery shop. Here's the system: Fill your grocery cart with six vegetables, five fruits, four proteins, three starches, two sauces or spreads, and one "fun" item for yourself.

How to do 50/30/20? ›

Key Takeaways
  1. The 50/30/20 budget rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must have or must do.
  2. The remaining half should be split between savings and debt repayment (20%) and everything else that you might want (30%).

How to save 200 a month on groceries? ›

How To Save $200 on Your Grocery Bill Every Month
  1. Plan Your Meals Around Savings. ...
  2. Join a Loyalty Rewards Program. ...
  3. Always Buy Generic. ...
  4. Swap Meat for Plant-Based Protein a Few Times a Week. ...
  5. Use a Cash-Back App.
Aug 1, 2023

What should a family of 4 budget be for groceries? ›

On average, a family of four can expect to spend anywhere between $500 to $1,000 per month on groceries, depending on factors such as dietary choices, quality of ingredients, and location.

What are 3 tips to keep healthy eating costs low? ›

6 Tips for Eating Healthy on a Budget
  • #1: Plan Your Recipes. Planning ahead allows you to think about your food needs, tastes, and budget. ...
  • #2: Shop With a List. ...
  • #3: Buy Frozen or Canned. ...
  • #4: Cut Cost With Coupons. ...
  • #5: Buy Store Brands. ...
  • #6: Try Growing a Garden. ...
  • Healthy Eating: Not “One Size Fits All”

How can I save money on real food? ›

5 ways to save money cooking at home when the budget is tight
  1. 1Shop your pantry.
  2. 2Stretch affordable ingredients over multiple meals.
  3. 3Take advantage of your freezer.
  4. 4Compare prices.
  5. 5Buy convenience foods with the most bang for your buck.
Jan 19, 2024

How to keep food costs down? ›

Avoid convenience foods: Pre-packaged convenience foods like frozen meals or individually wrapped snacks tend to be more expensive. Opt for fresh ingredients and prepare your meals from scratch whenever possible. Reduce food waste: Be mindful of food waste by properly storing and using leftovers.

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