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Get Real: Grocery Budgets and How to Save Money on Real Food

GR-Budget

**This post is part of the Get Real series. Please remember that this is meant as a learning community. We know that many of you are passionate about what you do and we want you to express that, just please do so in a way that will be an encouragement and aid to others making a transition. We want this to be a “safe space” for participants to learn. For that reason, we reserve the right to delete any comments that are not handled in this manner.

How do we determine the ideal budget for our family?

No family is alike. When it comes to buying food, the factors that play into where we set our budget really varies:

  • How many people are in your family?
  • What are their ages and are they big eaters? Are they young children who eat small amounts? Teenage boys who eat more than their dad? (Or in my case, itty bitty toddler girls who can out-eat their nursing mom?)
  • Do you have any allergies or food restrictions? Gluten free, dairy free, nut allergies, GAPS, Paleo/Primal, etc.
  • Where do you live? Big city? Out in the country? What is the cost of living like in your neck of the woods?
  • What type of stores, farms, co-ops, markets, etc. do you have available to you?
  • Is your budget amount limited by a sheer lack of funds? (i.e. there’s simply no extra money at all, so you are just scraping by on whatever you have)
  • What are your family’s financial priorities?

These are just a few of the questions that we have to ask ourselves when we consider our budget. What works for my family won’t necessarily work for my best friend’s family, and what Jane “Real Food” Blogger spends on her frugal but nourishing groceries won’t necessarily be the right amount for you.

I love talking about ways to save money on nutritious, whole foods, but my goal isn’t to help families arrive at a certain dollar amount. Rather, it’s to help them establish a comfortable budget that works with their specific situation, and to show ways that they can shave off expenses and keep (or lower) that budget to the point where they want it.

Image by editor b

Steps to evaluate (and change) your current budget

1. Know what you’re spending. 

It’s hard to change anything or even set goals if you aren’t really sure what you’re working with in the first place. If you haven’t been sticking within a certain budget or tracking how much you spend each month, that’s the first place to start. If you use plastic for your shopping, you may be able to go back over your bank records for several months to add up your expenses. If not, then I suggest taking a couple months to track everything that you spend, simply to have a starting place.

2. Analyze your current budget. 

Would you just like to bring it a little lower? Or maybe it actually feels excessive or wasteful to you? Perhaps the amount is fine but you wonder if you might be able to purchase higher-quality foods if you used it more carefully? Are you trying to pay off debt or anticipating a decrease in income and need to drastically cut it down?

3. Create measurable goals. 

Could you make a goal for gradually lowering the amount that you spend by slowly cutting the budget down little by little? One way to do this is to try giving yourself $25 or $50 less the next month. If you succeed in doing that, try lowering it by the same amount the next month. You will know when you hit the point at which the budget cannot be lowered anymore.

Image by *clairity*

Practical tips for cutting down your grocery expenses

Shop less often-- Unless you are the most meticulous of list makers, the more often you go shopping, the more you will spend. When you avoid the stores as much as possible, you learn to get by without, make creative substitutions, and work with what you have. When you frequent the store, you stumble upon all sorts of things you suddenly think you “need”. The stores are smart. They know how to convince us to want to buy things we don’t need.

Meal planning or OAMC-- Most of you reading this are probably here at Once a Month Mom because you already do freezer cooking and menu planning to some degree, so you’re off to a great start! The more that you can incorporate really solid planning into your meal making, the more purposeful that you can be about your budget and shopping, and thus the more that you will save.

Shop like a star-- If you already have a plan, then you can really maximize your shopping trips. Learn to work them around what you already have, use cash, pre-plan your entire month’s budget (or 2 weeks or however you do it) before you spend any of it, then go to the store with a super-detailed list. This post tells you in detail how I do these things.

Stock your kitchen with bulk buys-- This is particularly practical for those of you who are doing once a month cooking. I make use of a natural foods co-op for very large purchases of organic grains (25 or 50 lbs), beans and legumes (5-10 lbs), unrefined sugar and honey, and more. You’ll save so much money doing this, and then the only challenge is figuring out where to store it all.

Use leftovers to your advantage-- Being intentional to use food I’ve already made helps me to stretch what I have further and reduce grocery waste.

Consider using coupons-- Most of the real food items I buy can’t be bought with coupons, but a few of them can (for example, San-J fermented Tamari sauce, for which I frequently find coupons), as well as some household goods (garbage bags, light bulbs), skincare or beauty products, cleaning supplies, etc. Yes, even organic/natural products. Almost every Friday, you can find my Natural and Organic Coupons and Deals feature at Money Saving Mom, with coupon roundups, store scenarios, online deals, and whatever else I can find.

Make it yourself-- Consider this example of the cost of bread. I can make allergy-friendly (wheat-free for our daughter) bread for less than $1 per loaf OR I can spend $2-3 (or more) for a loaf of quality organic wheat bread and a whopping $4-6 per loaf for my daughter’s needs. When I don’t make the time to bake, our bread costs add up quickly! Even if you don’t make everything from scratch (what? You aren’t Superwoman?), consider which items would give you the most benefit for your time, and choose to make those ones.

Take advantage of discounted foods-- Whether it’s finding creative ways to use discounted produce or other near-expiry items (dairy, baked goods, etc.), you can shave a lot of money off your grocery bill by stopping by your store’s clearance bins first.

Set your priorities-- I wish that I could buy 100% organic, sustainable, all-natural foods, but I can’t. Unless you have an unlimited budget, you’ll need to establish your grocery priorities. For me, meats, fats and dairy are at the top of my list (because they’re at the top of the food chain). I stick to organic for fruits and vegetables in the Dirty Dozen. Beyond that, I do the very best I can, and always opt for real, whole foods (yes, even non-organic ones) above anything processed. Knowing my priorities helps me to relax and simply do the best I can with the money that I have.

More resources to help you lower that grocery budget

The Nitty Gritty on the Real Food I Buy and Where I Buy It– Part 1 and Part 2. This is an in-depth look at foods that I actually buy, what I spend, and where I buy them.

This winter I came up with a plan for What I Would Feed my Family on $250 a Month (that’s not our actual budget- it was more of a challenge to myself to see if I could do it). I followed it up with How I Would Improve my $250 Budget Even More, with more detailed tips on ways to make a tight budget work.

I mentioned above that learning to really use what you have helps you to shop less, and of course, that saves you money. Not only that, but spending a chunk of time (like 2-4 weeks) doing an “Eating From the Pantry and Freezer Challenge” can help you save up to make large bulk purchases to maximize that budget even more.

Plan It, Don’t Panic: Everything You Need to Successfully Create and Use a Meal Plan. My most recent ebook will walk you through the many ways to make your meal planning work for you, help you to improve your performance at the grocery store, provide you with planning pages to make it easier, and even offers a 4-week real food menu plan.

Real Food on a Real Budget: How to Eat Healthy for Less. The ultimate guide to eating well on a budget. My 280 page ebook (or paperback, if you prefer) delves deeply into the money-saving points I mentioned above, and so many others!

July Week 4 Action Item:

Each week we will try to give you some simple action steps to put this journey into practice. It is important that you start this journey by understanding yourself, your goals and perhaps your obstacles.
  1. Evaluate your grocery budget. Set some goals for this next month (August) for your whole foods grocery budget. List them here. And let’s try to hold each other accountable to those goals. As we approach August we will hit the ground running with a solid plan and measurable ways to attain those goals together!

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13 Responses to “Get Real: Grocery Budgets and How to Save Money on Real Food”

  1. Marleena A says:

    How do you make wheat free bread for less than a $1? Even when I make it from scratch it costs $3 plus just for ingredients.

    • Jill says:

      Is your wheat free bread gluten free? I would love the recipe

      • Kelly says:

        From Stephanie – I use Kamut grain, which I buy in 25 lb sacks from a natural food coop (Azure Standard) for about $19 and then I grind it into flour myself. My only other ingredients are raw honey, olive oil sea salt, yeast and water (all of which I also buy in bulk, other than the water, of course :). I calculated it and it was coming to just under $1 per loaf.

        But, I have to point out, it doesn’t contain conventional wheat, but it isn’t a gluten free recipe. My daughter is sensitive to many of the GF ingredients (like rice flour) but she can tolerate these ancient grains that are similar to wheat (like Kamut and spelt) for whatever reason. I know that it can cost more than this to make GF breads (what with expensive ingredients like xanthan gum, mixing various flours that cost more than regular flours, etc.).

        Also, here is a link to the cookbook I use for bread recipes:

        http://www.suegregg.com/index.htm
        (it’s the Whole Grain Baking book)

        But again, it’s not a GF recipe, you can just adapt it to use some other types of flours that contain gluten.

  2. Yeah, I have figured that a loaf of homemade bread is about $2 per loaf. Not sure how the heck one makes gluten free for less.

    I can’t really reduce my grocery budget further. Not unless I cut down on yogurt or produce. We spend about $15 a week on produce and $15 a week on yogurt. So about $120 a month of our grocery budget is produce and yogurt. Doesn’t leave a lot of room to reduce. Our regular monthly grocery/health and beauty products/cat food, etc. is about $430 to $450 per month for three people. (And if my teen eats like he did the other night, that is going up! He doesn’t as of yet eat like that regularly.)

  3. Amy Solis says:

    What a great article, so much great insight and so in depth! Right on track with my message and what I teach as well. Glad to know you. Many Blessings, Amy Solis

  4. Sarah says:

    I would love your wheat free bread recipe.

  5. McKella says:

    I want to actually keep track of my food budget! I don’t do well with keeping track of what I spend, even though I try not to spend a lot at once, I’m sure it adds up to more than I think. I’ve got to start somewhere!

  6. Trinity says:

    My goal is to cut $50/month of my budget! Plan more and shop less.

  7. Carrie L says:

    Any discounts coming up soon for buying your ebooks? =)

  8. Atsquared says:

    No more grocery store vegetables for the next month. We are part of a CSA, and I’d forgotten that during CSA season I really need to plan around the weekly delivery instead of planning first and then trying to make the CSA veggies fit my plan. Although I might make an exception for some freezer cooking I’d like to do. Baby #3 is due n mid-September, and I just finished work. I’d like to get a supply of meals into the freezer during August, which may mean buying a few extras. I don’t regularly do freezer cooking, unless I’m making something that’s easy to double, but it’s so nice to have a few casseroles and pasta sauces ready for those early, exhausting days.

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