Archive for the 'groceries' Category

De Nile Is Not JUST A River In Egypt

Vegetation along the Nile. You can see the river next to the big city (called: Beni Suef) on the right side at the bottom of the picture.Image via WikipediaI have to admit that I have been suffering from a LOT of denial in regard to our spending habits of late. My budget/spending book is an absolute MESS!

I think denial right now is my way of coping. Particularly with the rapid rise in prices at the supermarket (grocery store).

I’ve been feeling kinda ill doing the grocery shopping of late.

My coping technique is to kind of close my eyes (not physically but mentally) to the final tally at the checkout, hand over a wad of cash and then get out of there as fast as possible. Undecided

So it’s not surprising that my enthusiasm for updating the spending book is waning a little.

The problem is that denial is causing me more anxiety that facing up to the truth.

WHAT IS THE TRUTH?

Drought, rising interest rates, rising fuel prices and no doubt other factors ARE having an impact on the prices we are paying at the checkout.

BUT

We need to be careful how we view rising grocery prices. As I’ve said before, news of rising grocery prices can actually cause us to spend MORE than we actually need to.

WHAT CAN WE DO?

1. Dig our heads out of the sand

NOT knowing really is WORSE than knowing. Knowledge gives us power to implement change. Lack of knowledge can result in more stress and going on my experience, stress = more spending.

2. Continue Our Education

If you’ve yet to read my series on “Reducing the Grocery Budget”, the links are in the sidebar. I’m a firm believer in never having enough knowledge. There are ALWAYS new ways we can learn to trim things here and there. Of course, time and interest both factor into this as well. I’m not saying we HAVE to find new ways to cut spending. Just that we CAN if we NEED or WANT to.

3. Celebrate our Successes

One of the great things about being frugal is that you’re already ahead of the game when it comes to spending. Generally costs rise as an overall percentage. 15% of $1000 is a LOT less than 15% of $3000 for example.

I always try to begin my year with some “wiggle room” in my budget. Particularly when it comes to groceries. My growing children are eating more and more as time goes on and prices are nearly always going to increase. I know this increase is a little more than we normally get but I’m grateful I have at least a little “wiggle room” to help absorb the impact.

4. Time For a Reality Check

Just after my “I feel sick at these prices” grocery shop, I picked up our mail. Inside was a letter from one of our sponsored children. How’s that for a timely reality check? Here I am worried about the cost of fruit & veg rising as it might mean I can’t afford to buy CHOCOLATE or my favourite magazine. While so many people in the world don’t even have ACCESS to healthy foods, let alone a way of paying for them.

5. Don’t Give Up

One of the biggest problems with dieting is that slipping up causes people to give up. Rather than accepting a small slip-up and getting back to it, they decide they’re no good at it and forget about trying. Budgeting can be the same. Slip-ups WILL happen (at least to MOST people). The important thing is to get back on track and do the best you can with what you have. I’m in the process of sorting things out with my budget book in an attempt to get back on track. Starting over is also an option.

The main thing here is NOT to GIVE UP. Every small step we take towards a better handle on our budgets brings us closer to our own goals and dreams.

WHAT ABOUT YOU?

Anyone else paddling up the river of denial and getting nowhere right now? Pleeeeaaaasssseee tell me I’m not the only one who’s been living in denial.

(Note to my regular readers: I have deviated away from my series on The Complete Tightwad Gazette discussion over the past couple of Fridays. I do intend to come back to them. Please bear with me.)

Reducing the Grocery Budget - Buy Generic

* For those not living in Australia, I’m not sure if “generic” is a familiar term. It basically refers to the “stores own brand” of product. Here you might also hear terms like “homebrand”, “black and gold” and other variations of two colours (eg “blue and white” and so one).

I remember as a child when generic brands began appearing in the stores. I’m not sure if this was their first appearance or whether they were just becoming more widespread at this time. What I do remember is that there was a certain stigma attached to the generic type items. They were considered “poor people’s” food.

For a teenager at the time it was considered “social suicide” to be seen with homebrand or other generic items in your possession. I wonder if perhaps this “social conditioning” has stuck with some people. I’m surprised at how many people still seem reluctant to even give generic products a try.

There are a few common objections to using generic products.

My Husband/Children Object

Honestly, I think this is often more about mind over matter than anything. Yes, some things do taste different but different isn’t always bad. It’s about what you’re used to.

I’m not saying that EVERY generic product is a winner. Just that too often they get discounted as no good without being given a fair go.

My tip? Remove the contents from their packaging and either add them to the old packaging (the brand name stuff) or put them into another container. What they don’t know won’t hurt them.

OR. Try mixing half generic with half label brand.

They Are an Inferior Product

I think these days it’s a fairly well-known fact that most generic products are manufactured in the SAME place that label brand products are made. Often you’re looking at purchasing an item that is identical with a different packaging. Which means that with the label brand product, the extra you are paying for is advertising, cost of shelf space (I assume supermarkets don’t charge THEMSELVES for shelf space) and pretty packaging.

Now I KNOW that not ALL generic products are exactly the same. You do need to pick and choose a bit.

But lots of them are REALLY good and I think it’s worth giving them a try just to find the good ones.

People Will Think I’m Cheap (or Poor)

GREAT!!!! So let them!

Okay, I’ll be honest here, occasionally this still bothers me.

BUT, we all make choices in life.

If I spend $100 less than others on groceries per week for 10 years that’s $50,000. AFTER tax!

Now, we don’t save $100 a week using generic but it certainly does make a BIG difference to our final grocery tally.

Hence leaving us money to spend on more funner stuff! Like saving up to do our BIG trip next year! Wink

They Dilute the Products

Maybe in some products.

1. Check the labels. I was looking at tinned tuna the other day. Tinned (canned) products are great because they give your percentages on the labelling. The cheapest generic (Australia now seem to have supermarkets carrying different “levels” of generic product) had 1% MORE tuna than the other tins of the same size.

2. Ask yourself, does it matter? I have noticed that tomato sauce is one product that is a little runnier in the generic brands than in the label brands. The thing is, my children like to cover their food with tomato sauce. Being a little less thick doesn’t actually matter in this case. In fact, it means they use LESS sauce overall - do a double saving!

Where Do I Start?

If you’ve never used generic products before, the best place to start is with basic items like flour and sugar (I DON’T recommend cocoa). Once you get beyond those, it is a bit of trial and error of trying products to see what they’re like.

Honestly

Some generic products are duds! BUT, I would have to say in my experience that there are a LOT of wonderful generic products out there, far outnumbering the duds.

Lightening’s Generic Products Love-Fest

Remember the Zucchini Love-Fest we had a few weeks back? Well, now I’d like to host a “generic” love fest. What do you need to do? Write a post outlining the products that you like (and those you definitely DON’T like) when it comes to generic/store brand grocery products. Make sure you mention which store they come from so people don’t get confused. You can post it anytime between now and next Friday and send me the link. Or if you’ve already written a post on this topic in the past, sending me the link to that post is fine too.

Next Friday (or Thursday for some of you) I’m going to post my own list of products we particularly like. I’ll also post any links that get sent in to other posts on this topic. Hopefully this way we can cover a good range of products AND a range of other countries too (c’mon my international readers, I need you to help me out some here)

Likes and dislikes vary but it’s always nice to be able to start with products that others have found to be good value.

It’s going to be a big generic link-love fest! If you’d like to be included, I’ll add a contact form right here to make it nice and easy for you to send me your link.

OR, if you don’t have a blog - you can send a review or two of your favourite generic products and I’ll add those to my post as well.

Happy Shopping (and Saving) Everybody!!!! Smile

P.S. Feel free to pass the word around to your blogging buddies. The more participants we have, the better for all!

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Tips for Reducing Spending on Non Food Grocery Items

I always find tips hard to write. It can be rather laborious to wade through tip upon tip that you’ve already heard or read. The best tip I can offer you is to take a look at 1 item you buy regularly and really think hard about how you might go about reducing spending on that item.

Having said that, this week I’m going to go through the list of non food items that I include with our grocery budget and explain what I do/have done to reduce spending in that area. Hopefully there is something here that will help most of you.

For those not familiar with the term “generic”, it is simply a reference to a stores own brand. We have many different generic “brands” now in Australia.

TOILET PAPER

This is one item where I tend to be rather fussy. I have a limit of 50c per roll and stock up big when a good special is on. Our personal preference is Kleenex Cottonelle. For some reason most people like Quilton these days but I really don’t like it much at all. It all comes down to personal preference.

I did find a great recycled, made in Australia pack that was more like 35c a roll in Bi-Lo one time but when I went back they no longer stocked it and I haven’t seen it since. I also didn’t write down the name of it. Undecided

TISSUES

Everyone in our family has hankies. The kids don’t use them as much as DH and I. I don’t push this one way or another. DH and I just happen to prefer hankies. I buy generic branded tissues (usually Coles) and then I purchase the Aloe Vera tissues if someone has a cold. We’re lucky to go through a box of tissues a month.

CLEANING CLOTHS

As I mentioned last week, I use old face washers and cut up towels for cleaning cloths. I do occasionally buy cleaning cloths and when I do I tend to buy generic and wash them many times. We’re hardly ever use the “chux” style of cloth.

For dishes I do buy those yellow sponges with the green scourer on one side - again, generic branded. We also have a dishmop (although they’re getting harder and harder to source these days) and occasionally use plastic and metal scourers (which don’t need replacing very often).

My biggest expense with cleaning are those George Foreman Grill cleaning cloths. DH loves them and who am I to deny him if he’s happy to do the cleaning up?

PAPER TOWEL

We don’t tend to use a LOT of paper towel. Most spills get wiped up with an old cloth nappy (if you see any of these in op shops - they make AWESOME mop-up-spills cloths).

When I do buy it, I tend to go with a generic brand. It’s usually just used for grease based spills or stuff that we really want to throw in the bin rather than wash a cloth from.

SOAP

I’m not a big user of soap (and no I don’t STINK!). DH on the other hand tends to need quite a bit of it. He’s quite limited in what he can use due to my sensitivity to perfumes so we tend to stick with Velvet which just happens to be about the cheapest soap there is.

I seem to accumulate a never ending supply of liquid body washes so that’s what the kids will often have in their bath (if anything).

For handsoap at the basins I prefer a liquid soap and most commonly I use a very cheap shampoo (watered down) for this. It’s also a great way to use up bits of shampoo that I’ve bought to try and haven’t liked.

SHAMPOO AND OTHER HAIR PRODUCTS

My biggest money saving tip? Cut everyone’s hair short! Wink Since Farmboy has decided he likes his hair razor cut, we’ve used nowhere near the shampoo we used to! The kids hair gets washed once a week (or less often for Leighton if I forget to remind him Yell). I wash mine whenever I’m going out (which is 2-3 times a week at the moment).

Most people use TOO MUCH shampoo. Try cutting back how much you use. You can also put it into a pump pack to prevent other family members overusing. You can also use either soap or bicarb soda for washing your hair.

I used bicarb for quite some time but apparently it can strip any colour (artificially added that is) from your hair so I haven’t used it for a while. Must try it again one of these days. My hair was amazingly soft and silky when I was using bicarb.

We use very little in the way of conditioner. I use apple cider vinegar to condition my hair. I have it mixed in a spray bottle with a little Rosemary essential oil and about 3/4’s water to 1/4 vinegar.

For the kids I have a bottle of water with a small amount of conditioner in it that gets sprayed onto their hair before brushing. It gives them more than enough conditioning treatment for their hair and in fact has solved the problem of trying to wash all of the conditioner out of their hair. The diluted amount from the spray bottle seems to be enough to get rid of tangles and leave their hair shiny and manageable (well, mostly).

HAIR REMOVAL EQUIPMENT

Farmboy uses an electric razor so this tends to come out of a different budget (his first one was a birthday present). That requires no other products so I’m not constantly buying shaving foam or anything else for his shaving requirements.

I use a reusable razor with heads that have their own product for shaving. I also use some Nair but one tube lasts me the whole summer quite easily.

TOOTHBRUSHES, TOOTHPASTE AND FLOSS

I prefer to use Colgate Total Gel so look out for this on special. I will sometimes alternate with a generic brand. One of these days I’ll get around to trying a more natural toothpaste.

We mostly use pretty basic toothbrushes. The kids get fun ones in their Christmas stockings and the rest of the year just have plain coloured ones. I’ve found the Coles generic brand quite good in terms of the kids toothbrushes and tend to buy whatever is on special for Farmboy and I (Colgate do a reasonably priced multipack).

CLEANING PRODUCTS

As I mentioned last week, I use a LOT of water for cleaning. Then a mixture of bicarb, vinegar and Tri Nature natural cleaning products as needed. Tri Nature products are highly concentrated and last me ages (it’s been over 12 months since I’ve bought any).

DISHWASHING

I use Tri Nature Chamomile for handwashing and Tri Nature Citrus Dishwashing Powder in the Dishwasher. Both of these are concentrates and last us a long time. As a member of Tri Nature I get a 15% discount on these items when I order.

LAUNDRY DETERGENTS

I’m currently using up Tri Nature laundry products that I have always used in the laundry. When they are gone I want to try some different ideas I’ve read about natural alternatives (such as soap nuts).

One thing I have found with the laundry is that we need much LESS detergent than we were using. This is one of the reasons I still have product to use up - it’s taking a lot longer to go through now we’re using LESS. Keep cutting back until you notice a difference in how clean clothes are getting.

I very rarely use a fabric softener and when I do I use a natural one. When that is used up I intend to try vinegar as a fabric softener.

PEGS

I use a mixture of more expensive pegs and generic branded pegs. I always bring them inside when not in use as the sunlight ruins them very quickly.

In a pinch you can actually use bread tags as pegs (for thinner fabrics). We get plenty of wind and they seem to stay on the line!

GARBAGE BAGS AND BIN LINERS

I try to reuse grocery bags and fruit and veg bags (which fit our toilet bins perfectly) for rubbish as much as possible.

Garbage bags is one item where I have found generic to be inadequate so we tend to use Glad. I try to stock up when on special and buy the larger packs as they end up being cheaper per bag.

For white bin liner bags (yes, I do buy some) I can’t remember the name of the brand (and we currently don’t have any). It’s not generic and it’s not Glad but a brand that is somewhere in between in terms of cost. I *think* it might be Hercules.

WRAPS AND BAGS

I try to avoid using throw away wrapping where possible. We still use more than I’d like. I know it’s an area we could cut back on but it’s also an area out of my control at this time.

When we do use plastic wrap, I tend to buy generic. You do need to shop around a little to find the generic brands that work well. I’m not a big fan of much in the Black and Gold brand but have found a lot of the Coles Brand quite good.

I use generic brand freezer bags but up until recently preferred to use Hercules Snap Lock Bags (cheaper than the top brand but dearer than generic). For Princess Singstars birthday party I bought some Coles brand snap lock bags and found them to be great. I don’t reuse freezer bags but I do wash and reuse snap lock bags (unless they’ve had raw meat in them).

I also reuse bread bags for freezing items in. Not so much for the actual “savings” as for environmental reasons. Still, a few cents here and there can add up.

Items like alfoil and baking paper I tend to use generic brands as well.

But I generally work on the principle that if I can use something reusable rather than throw away, I will.

Now I’m going to throw it over to you. Do you have a tip or two that have saved you money when buying non food grocery items? Feel free to share in the comments section so we can all learn together.Smile

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Cleaning Doesn’t Need to Cost the Earth

When it comes to clever marketing, I think cleaning products would have to rate right up there in terms of products that have created a market for themselves.

I mean, we all HATE to clean and LOVE to play, right? We are perfect sitting ducks for ruthless entrepreneurs who want to make their riches from us.

“Here, buy my product, it’ll make cleaning a breeze”

“Buy this and you won’t even know you’re cleaning”

“Life getting you down? This product will solve ALL your problems”

Don’t feel bad if you think you’ve been “sucked in” by these kind of advertisements. The fact of the matter is that companies employ psychological research when it comes to how to market their products.

They KNOW how to play on our weaknesses and fears. IT STINKS!!!

When you go down the cleaning aisle of your supermarket, do you KNOW what you are paying for? You are paying for the advertisement that convinced you you need that cleaning product in the first place!!!!

I’ll just repeat that last sentence in case you didn’t get it the first time….

You are paying for the advertisement that convinced you you need that cleaning product in the first place.

When that concept really sinks in, it’s a real DOH! kind of moment. I know because I’ve been there.

Want to know what I use when cleaning?

WATER

If you exclude washing dishes and clothing, around 80% of my cleaning is done with a wet cloth.

Guess how much that costs me a week? ZERO DOLLARS

And for cleaning with? Old face washers and cut up towels. I do also have a microfibre mop, a couple of microfibre cloths and a brush that I use on our tiles to scrub the grout.

Anyone Been to an Enjo Party?

I went to one a few years ago that really turned my thinking around when it came to cleaning. The demonstrator was cleaning the bathroom and mentioned that all you need to do is give is a wipe over with the bathroom mitt each day.

EACH DAY?

I was looking for the miracle that would lead me to need to clean LESS. Not MORE.

The sceptic in me couldn’t help but wonder what would happen if I wiped over our bathroom each day with just an old rag of some description.

So I tried it. It worked no problems. Without a fancy $40 microfibre cloth.

Do I wipe over our shower every day? No. But I do try to do it reasonably often and very rarely do I need to use any cleaning products at all.

Don’t get me wrong - I’m not really anti-Enjo. I do use *some* of their products although it’s unlikely I’ll replace them as they wear out.

My point here is that Enjo promote cleaning with less effort but more often. It’s a great tip. It just doesn’t necessarily require their products in order to work. They also promote drying with a cloth as you go - another great cleaning tip!

Do I Really Use ONLY Water to Clean?

No. Just for the majority of my cleaning tasks.

When I get behind, I need the help of cleaning products to help me “catch up”.

For some tasks I’ll use vinegar or bicarb. Plain old soap is a great and frugal cleaning agent as well.

I do also use some commercial cleaning products.

I just think that too many people use a “product” as a FIRST resort rather than a LAST resort.

More Does Not Equal Better Cleaning Ability

When you do use commercial cleaning products, are you pouring your hard earned money down the drain?

Cut back on the amount you’re using. Remember that manufacturers are going to put a MAXIMUM reasonable measurement on their packaging instructions. To find out how much you *really* need, just cut back a little each time until you notice it doesn’t do the same job anymore (this is what I’ve done with my washing powder - although I also know someone who washes simply in water).

Cleaning isn’t Only Costing us the Earth, It’s Costing us the EARTH

The cleaning products I do use are almost all naturally based and considered safe for the environment. This is doubly important now that we recycle ALL of our household water onto the garden (via a proper system so that it’s treated etc).

Now more than ever we need to be very aware of what we’re putting down our drains. The great thing about green cleaning is that it is often more frugal than chemical cleaning. Of course, now that we have an established market for green cleaning products, caution still needs to be had so that we aren’t talked into parting with our money unecessarily.

Summary For Reducing How Much You Spend on Cleaning

  1. Try Water first
  2. Recycle old facewashers, towels and other fabric to use as cleaning cloths. Throw through the washing machine and reuse (it’s best to edge cut up towels etc to reduce fraying)
  3. Use soap, vinegar & bicarb soda as cleaning agents
  4. Where you do choose to use a cleaning product, consider purchasing from an environmentally aware company and use SPARINGLY
  5. Avoid getting taking in by bright and cheerful advertisements promising you the world

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Australian Money Saving Tips

Reducing the Grocery Budget: Non Food Items

From time to time, I get asked whether my $100 a week average grocery spend includes non food items.  To give you a bit of an idea, I’ll summarise below.

Items I DO Include Under Groceries 

  • Toilet Paper
  • Tissues
  • Some cleaning cloths (such as for washing up dishes)
  • Soap
  • Shampoo’s etc
  • Toothpaste, toothbrushes and floss
  • Cleaning Products
  • Dishwashing Liquid and Dishwasher Powder etc
  • Laundry Detergents, Fabric Softeners etc
  • Pegs
  • Garbage Bags & Bin Liners
  • Glad Wrap, Alfoil, Snap Lock Bags, Freezer Bags, Baking Paper etc

Items I DON’T Include Under Groceries

  • Make Up and Skin Care - I have a personal care category for these and also use my own spending money
  • Nappies &  Wipes - I used to have a “baby” category for these (and dummies etc) but now we only have a few dry nites to buy so these also come under “personal care”
  • Houehold items like mops, mop heads, toilet brushes etc - these come out of our “household” budget
  • Bandaids, Panadol and other “medical” type items come out of our medical budget
  • Stationery items also come under “household”
  • Toys and stickers for the kids - the kids have their own budget category which covers sporting activities, music lessons, tennis coaching and a few little bits and pieces that I buy from time to time (toys, stickers, craft supplies etc)

I hope that helps to clarify things for you.  One of the dangers of comparing your spending to someone else’s is that the term “groceries” is rather broad and while some people will include anything that can be bought in a grocery store, others will divide off certain items.

There is no RIGHT or WRONG way to organise things here.  It’s just a personal preference.  I find the larger costing items can throw both my budget and my tracking out and make it harder to see where we’re up to from week to week.

What I do works for ME and while you are more than welcome to do the same, please don’t feel that my way is the ONLY way.  This is also why I encourage you to compete with yourself when it comes to reducing the grocery budget.

The real victory comes not when you manage to achieve the same grocery figure as me.  The real victory is when you realise that once upon a time you spent $X and now you’re spending $10 (insert whatever figure you like here) less.  Smile

No doubt there are some items that I’ve failed to include on either of these lists.  If you have a question about where I include certain items in my budget, feel free to leave a comment and I’ll endeavour to answer it.

Next week, I’ll go through those items that I DO include and explain ways that I’ve found to reduce our spending in the area of non-food items.  I *was* planning to include of all this in todays post but I’m rather tired after being away so you’ll have to forgive me for making you wait another week.

Reducing the Grocery Budget : Budgets & Tracking

Example of an American grocery store aisle.Image via WikipediaWelcome back to my series on Reducing the Grocery Budget. If you’ve not yet read the earlier posts in this series, you can review them here:

Part One

Part Two

Part Three

Part Four

Meat

Fruit & Veg

Given I’ve just begun my own personal financial budgetting year, I thought I’d share a little of my budget and tracking with you in more detail.

I’ve tried to scan a page from my own spending book for you to have a look at but it hasn’t come out very clear.

2008-02-08-0812-03_edited.jpg

I’ll try and replicate what it says for you:

GROCERIES: FRUIT & VEG $170/MONTH

DATE DETAILS AMOUNT DATE DETAILS AMOUNT DATE DETAILS AMOUNT
1/2 DEPOSIT 170.00            
6/2 F/L 23.85 146.15            

GROCERIES: GENERAL $300/MONTH

DATE DETAILS AMOUNT DATE DETAILS AMOUNT DATE DETAILS AMOUNT
1/2 DEPOSIT 300.00            
5/2 F/L 9.15 290.85            
6/2 F/L 16.20 274.65            

It doesn’t matter HOW you track your spending, but if you want to get the most out of your grocery dollar, I highly recommend that you DO track it somehow.

I prefer to use an exercise book. It’s not expensive or large and it’s very portable. On the occasions where I don’t get the chance to enter my receipt figures straight away, they can sit in the exercise book and are less likely to get misplaced.

I use this book to track ALL of our personal spending but even if you just start by tracking your grocery spending, it will make a difference.

Once it’s set up, it really only takes a few minutes to enter your figures after each shop.

You CAN do a similar thing by keeping your grocery money in a separate envelope or purse. Unfortunately, I find this is too easy to dip into now and then when you need cash in a hurry. I always *think* I’ll remember but it’s amazing what you forget. Doing it this way will hopefully help plug a few leaks. A dollar here or there really DOES add up over time!

At the top of the page, you’ll notice I’ve written the words “GROCERIES:FRUIT & VEG $170/MONTH. This is my budgetted amount. On the first day of each month, I write in a deposit of $170. If I have money left over in this category at the end of the month, I’ll ADD the $170 to whatever that figure is. If I have overspent in that category (minus figures get written in red to make them stand out), I will subtract that red figure from the $170.

Unless there is a MAJOR blow out which requires some budget fine tuning, I will base the whole YEARS spending on that $170 per month. If I finish the year in the red, we re-evaluate the amount budgetted in that category and if need be, allocate MORE the next year.

This works for us because for the most part my categories are in surplus throughout the year. I try to always spend UNDER our allocated amount. This allows for unavoidable purchases that cause 1 or 2 categories to go into the red. I also have a buffer amount sitting in the account just in case. If your budget is very tight, you’ll need to be VERY aware of any categories that go into the RED.

Here is my monthly budget for groceries for the coming 12 months (1st Feb - 31st Jan):

Hospitality $15.00

Fruit & Veg $170.00

General $300.00

Treats $30.00

Non Food $45.00

TOTAL $560.00 per month

If you work that out per week it comes to $129.23. So approximately $130 a week. I tend to shop in larger “stock up” shops with smaller “as we need it” shops in between so the only time I really use a weekly figure is if I’m discussing grocery budgets with others (who are less used to a monthly figure) or when I’m talking averages (eg. my $100 per week challenge is worked on an average spend over whatever time frame I’m talking).

So my BUDGET is around $130 a week and I currently SPEND $100. I’ve heard people say “I spend $xxxx per week” when what they are really talking about is their budget. The forget to include the $30 they were over a fortnight ago or perhaps they don’t even KNOW what they’re really spending.

That was me not that long ago. Our budget was $140 per week so if anyone asked me what I spent on groceries I’d say “$140 a week”. In reality I had NO IDEA what I was actually spending.

Whether you choose to break your groceries up into categories like I do or keep everything lumped in together is entirely up to you.

Once you know what figure you are actually working from, it becomes a LOT easier to set yourself little challenges. For example, I know I can feed our family for $100 a week average (at the moment), so for January and February I have challenged myself to only spend $50 a week. I do have a purpose in this though and that’s to recoup the cost of my 1/2 cow (which I haven’t had to pay for yet). So in essence I *need* to keep things down at that level in order to cover the costs of the cow AND stay within my $100 per week average.

Assuming that I achieve this, I will then have what is left of the cow, to help keep costs down during the coming months. One thing I’ve noticed with the grocery budget is that once you get yourself on a “good cycle” it seems to become easier to keep costs down.

I’m still trying to work out in my own head how this works. I’m not sure if it’s just a case of smaller savings starting to kind of compound or if it’s more a case of having a sense of “enough” because the cupboard and freezer always seem to be full (no matter how much I try to empty them a little LOL).

How is everyone else going with their grocery spending? Do you feel like you’re making headway? Or does it feel like you’re fighting a losing battle?

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Reducing the Grocery Budget - Fruit and Vegetables

Farmers Market HaulImage by Wally Hartshorn via Flickr

This is part of a series I have been writing on how we reduced our grocery spending by around $3000 a year. If you’d like to review the rest of the posts you’ll find links to them in my sidebar under “Reducing the Grocery Budget Series”. I hope you enjoy and find these of some value. Smile

 

 

The fruit and vegetable section of the grocery budget is always a tricky one when it comes to reducing the grocery budget. It’s the one category in my budget that I work hard NOT to UNDERspend in.

Now I know that some people like to claim that eating healthier is more EXPENSIVE. Personally, I haven’t found this to be the case but it would depend upon what you were eating/buying before you made the change to healthier eating.

Sometimes fruit and vegetables can SEEM expensive because we EXPECT them to be cheap. If you consider “value for money” fruit and vegetables really rate very highly in the sense of return for $$ spent.

Let’s take for example a snack for a child’s lunchbox. You might spend 25-50c on a packet of chips whereas an apple will cost more like $1.00. To look at it in pure “frugal” terms, it can at times be tempting to cut down on fruit and vegetables. To look at it in the overall scheme of what you’re getting for your money though, shows a different picture. For your 50c you’re getting a bunch of salt, fat and additives as well as a piece of plastic to add to landfill. For your $1 you’re getting fibre, water, a wide variety of vitamins and minerals and an apple core that will biodegrade reasonably quickly (unless your kids eat the core as well! Lol which does happen!). You’re easily getting twice your money’s worth and then some!

For this reason, I prefer to look at a nutritional return on my $$ spent rather than a “fill up tummies” return. I’m not saying we don’t buy ever buy junk food. But I wouldn’t look at the difference between the cost of an apple and a packet of chips and decide that they chips are better value for money. I doubt you would either! Smile But I wanted to point that out because some people are very quick to dismiss those who have lower grocery budgets by saying that they must just feed their family junk.

In our family the opposite has been true. As we’ve worked to improve our health and increase the amount of fruit and vegetables consumed, our budget has actually dropped overall.

Health is one of the reasons I keep my fruit and vegetable spending separate from my general grocery spending. I want to make sure I’m NOT saving money by spending less in this area. Or if I am spending less, I want to KNOW about it so I can look at the “why”.

While I have broken down my grocery budget into a number of categories, you still need to take into account the overall effect across all categories. From a health point of view, reducing meat, adding beans and lentils and switching to wholegrains will all help to reduce your overall grocery spend. It is even possible that your fruit and vegetable section of the budget will go UP rather than down. As long as your overall spending is still coming down, this isn’t something you need to get worried about.

Having said all of that, there are many things that can be done to help reduce the cost of fruit and vegetables:

BUY IN SEASON

While this will seem rather obvious to some people, it surprises me how many people still *insist* on eating the same fruits and vegetables all year round. In doing so they can end up paying premium price for a product that is possibly inferior in both quality and taste.

FRESH ISN’T ALWAYS BEST

Research has shown that frozen vegetables can be as good and sometimes healthier for you than some fresh vegetables. Make sure you know your prices as it can sometimes happen that frozen works out cheaper than fresh.

One of the advantages of buying frozen or canned goods is that you can have a big buy up when you see a good special. I did this just this week with canned two fruits. Our children are big fans of these. I find that some weeks there are virtually NO specials on fruit and veg and everything seems expensive. In those weeks I will buy less fresh fruit and veg and resort to using what I have already on hand (you can be sure that those weeks the frozen and canned products will be full price as well so take advantage of sales when you see them).

GROW SOMETHING

It’s really not as hard as it sounds. Take it from me – the resident brown thumb. Gardening is about having a go and seeing what you can produce.

Renting? No excuse!!!! Wink Just start small. Plant something in a pot. A couple of years ago I was given a pot with annual flowers in it. It sat empty (other than our kittens curling up in there) for some time. Now I have parsley growing in it. I’m kicking myself that I didn’t plant it back when the pot was first empty. I paid $1.10 for a packet of seeds from a Cheap as Chips store and they’re growing great. I’ve even “trained” my kids to empty their water bottles into the pot at the end of the day so I don’t even have to water it! Just go and pick as needed. You could do the same with something like chives and use them instead of onion in recipes.

Personally I love plants where you take a bit and the plant then grows more. Parsley and chives or shallots are like this. I have also had good success with mignonette lettuces (again, $1.10 packet of seeds) and silverbeet.

If you’d like some fruit in a pot, try some strawberries. I think you can even buy strawberries in a bag now.

It is amazing what can be done with just a few pots and a small investment! Don’t get put off by thinking you could never grow enough to feed your family! It doesn’t matter. ANYTHING that you can grow will help the budget a little. And little bits add up when it comes to grocery budgets.

BUY IN BULK

Being a part of a co-op or sharing bulk buys with a friend are great ways to reduce the costs of fruit and vegetables and take advantage of larger buying power. If you can access something like this, grab it! Smile If you can’t, you can still take advantage of bulk buying on some items.

Get to know what fruits and vegetables keep well or freeze well. I’ll mention a few that I will tend to buy up on:

  • Apples. I know that my local supermarket doesn’t get fresh apples in every week. So if there is a good special on, I will buy up quite a few. They may as well be sitting in my fridge and saving me a few dollars as sitting in their coolroom waiting for me to pay more for them the following week. I also tend to buy my apples in those prepacked 2kg bags (watch out – I noticed that Coles are often only 1.5kg bags). My main reason for this is that my children are young and they’re often a more suitable size for them. I get more apples per kg AND pay a lower price per kg. You sometimes get not so nice apples in these bags but on the whole I have found them to be pretty good.

  • Oranges. These are definitely the nicest when bought in season and can work out quite cheaply on a per piece costing. I find they keep easily for a month or more in the fridge without showing any signs of aging. The hardest thing I do find with buying up on oranges when on special is taking the risk as to whether they’ll be nice or not. This can vary quite a lot.

  • Potatoes will last 2-4 weeks if you keep them properly. Newspaper is a great way to keep them fresh as it insulates from the warmth as well as keeping light out. You can apparently freeze mashed potato and reuse but I’ve never succeeded in doing this to my satisfaction. If I wanted to freeze potato I would cut into chunks, cook a little and then freeze and use in soups or other cooking.

  • Carrots. As I’ve mentioned before, I often buy juicing carrots in a 5kg bag (last time it was a 20kg bag!) You get a few odd shaped carrots and often many broken ones but they taste great (just avoid them if they look a little on the pale side). With the 20kg I bought, I grated quite a few of them and froze to use in cooking.

  • Onions are a great one to stock up on when they’re at a good price and then freeze. You can dice them before freezing although most of the time I simply cut them in half (skins still on) and throw them in a bag in the freezer. You just need to cut them up before they’ve fully defrosted when you go to use them. The good thing about this is that frozen onions don’t make you cry (you do need to let them defrost a little before cutting as they’re rather hard fully frozen).

  • I do the same thing with capsicums. I’ll buy a bag of mixed colour capsicums for around $2.00 and chop them up and freeze ready to use. They won’t be so great for using in salads but for adding to pizzas or spaghetti Bolognese sauce etc it works really well.

How you store your fruit and vegetables can make quite a difference to how long they last. I LOVE my Tupperware containers for keeping things fresher longer. Wrapping in newspaper is also a good way for many items. There are many great tips all over the internet for storing fruit and vegetables to get maximum life from them.

 

GET AS CLOSE TO THE SOURCE AS POSSIBLE

Sometimes this is easier said than done, I know.

Markets are a great source of cheap and fresh fruit and vegetables. If you can get to one, it’s worthwhile. If you don’t live near a market, keep your eyes open when you’re in other areas as you may pass one occasionally. We live 500km from our nearest capital city and go there 2-3 times a year and I always take the opportunity to stop at either a market or a road-side type stall and stock up. I may not be able to get cheap fruit and veg all of the time but I’m sure going to get it when I can. Not to mention how much fresher it is!

 

Is there someone nearby that is an avid gardener? Perhaps they would be willing to trade excess produce or sell it to you for a bargain basement price!!! Who do you know with fruit trees in their backyard? Perhaps they’d be willing to pass on some fruit in return for a jar of jam made from some of it? How do you find these people or bring up such an arrangement? Start by giving and you’ll be amazed at what can happen. Maybe you don’t have fresh produce to offer someone but what do you have? Kids clothing? Some babysitting time? A freshly made cake?

THINK OUTSIDE THE SQUARE

The most effective way to save money in any area is to think creatively. Some people think that they’re not creative but I think in part it comes with practice. When you’re in the habit of thinking “outside the square” it seems to become easier to do so.

When banana prices shot through the roof in Australia, some people decided that they were going to buy bananas regardless because they are so good for you. Fair enough. What I did was research the health benefits of bananas and then look for other foods that would replace the nutrition that bananas were providing. We didn’t “go without” bananas altogether though. I bought a few every now and then. Smaller bananas mean you get more per kg. Or you can buy larger bananas and cut them in half.

Another thing I do to allow us the occasional treat without overspending the budget, is to buy some items of fruit through our “treats” budget. For instance, when bananas were REALLY expensive, I’d sometimes buy a couple and take it out of the treats budget. At the time they really were treats and just as exciting as buying a block of chocolate or similar. I’ve done the same at times with punnets of strawberries. We enjoy them as much as other sweet treats, so why not purchase them from the treats budget?

 

Are there fruits and vegetables that you haven’t tried yet? Perhaps there is something out there just waiting to be discovered? What about changing the way you cook things? I’ve finally started cooking my pumpkin with the skin on. Not only does it make less work for me but we waste less of the pumpkin flesh this way. Feel like salad at a time when salad vegies are expensive? What vegies are in season that might taste good raw? What about a tin of chickpeas or butter beans added to your salad? Cheap, filling and nutritious. The possibilities are endless. What it takes is stepping back and looking at things with a fresh view.

YOU’VE PAID FOR IT – USE IT!

I find the highest amount of food wastage in our household is fresh fruit and vegetables. I guess this is made more complicated for me due to my proximity to shops. The good thing about not being close to shops is that if all the bananas get eaten in the first two days, it’s too bad. Instead of running out and buying more bananas, we all have to be content to eat apples or oranges. The hardest part about it is that I can’t always predict how much of an item we’ll need and will at times overbuy and things get wasted.

Menu planning is one way to help reduce wastage. By planning based on what you have, there are less likely to be as many foods go bad before they’re used. It also forces you to think about (and look at) what you already have. I know I always think I’m going to remember what is in the fridge – but gosh it’s amazing what can be hiding at the back of the shelf! LOL.

What about parts of the fruits and vegetables that get thrown away? Are there parts that could be used for another purpose? I keep a container in the freezer and chop up things like broccoli and cauliflower stems and pop them in there to be added to soup or Bolognese sauce etc. My family aren’t big fans of the stems so this is a way I use them up.

At the moment I’ve been saving and freezing pumpkin seeds. I’ve been buying these from the shops so I’m hoping to be able to cook and shell them. It’s an experiment in progress at the moment so I can’t comment on how it’ll turn out yet.

Freeze leftover vegetables and use in soups etc rather than simply throwing them out. Chop up bits of fruit that have spots on them and add to muffins or cakes. I’m sure there are 1000s of other little suggestions out there for how to make use of food to save it from the rubbish bin. So, take a fresh look at what you have and how you’re using it and consider if there are changes that could be made.

What about peelings and other scraps? You could keep chooks or begin a compost heap and turn those scraps into something useful. That’s something I really LOVE about fruit and veg – every part of most fruits and vegetables can be used somehow in some way. Smile

Before I wrap this up (it’s rather long isn’t it?) I want to say this. You’re not wonderwoman (or superman). Sometimes things will happen and stuff will get chucked out. Do NOT waste your time and energy beating yourself up about it. Just keep working on those small changes, one step at a time. What you don’t want to do is turn this whole thing into such a drag that you never want to think about cutting costs with groceries ever again.

 

 

Goodness this has been a long post!!!! Nearly 3000 words!!! Is it any wonder I managed to churn out 50000 in a month when I can spit out 3000 in a sitting! Smile If you’re still reading, THANK YOU! I did consider splitting this into 2 posts but it was difficult to figure out which to put in each part.

 

 


 

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Reducing the Grocery Budget - Meat

Roast ChickenImage via WikipediaMy DH is a man who likes his meat. I’m sure that’s a scenario many of you are familiar with. If truth be told, I quite like my meat too. Although, as a teenager I *hated* meat. If my parents had let me eat vegetarian, I would have. The problem was (and still is) that I NEED to eat a reasonably high protein and high iron diet. For a long time, these were the excuses I used to not even contemplate changing the amount I was spending on meat.If you’re faced with family members who are not 100% behind your efforts to reduce the grocery budget, please move SLOWLY with this. I know I’ve said it before but it’s really important to have a long term view when it comes to reducing your grocery spending. Those tiny baby steps, if you keep at it, will start to yield results.

Now the first thing I did when I wanted to reduce our meat consumption was to very gradually increase the number of vegetables we were consuming with our evening meal. Again, I had to do this carefully and slowly to avoid being faced with a revolt (led my DH of course lol) at the dinner table.

I’ve always been someone who enjoys eating vegetables but when I met my DH his repertoire of vegetables he would eat willingly included potato, carrot, peas and corn. Full stop! He is a LOT better now and I think it helps that I don’t boil the bejeebiz out of anything I cook. :-)

I’m telling you all of this simply to say that I know change isn’t easy to achieve - which is why it’s important to make any changes you want to make very slowly. Over time I gradually increased the portions of vegetables on the plate and reduced the portion of meat. This was as much to benefit our health as our bank balance but it was nice that the two things went hand in hand.

One thing DH and I noticed over time was that as we ate less meat (and consequently ate more vegetables) we weren’t looking to eat as much meat. It was like the more we ate, the more we wanted but as our bodies adjusted to a slightly healthier diet, it no longer was looking for the larger portions of meat.

I now work on 2 green and 2 orange/yellow vegetables per meal and we’re slowly getting around to adding a purple/red variety (which will usually replace one of the other coloured vegetables). Including potato, the “norm” in our house is a variety of 5 different vegetables per meal.

Another thing I did during this stage of attempting to reduce our grocery budget was to set myself a “limit” for our meat. I started with $5 per meal. This was supposed to be an average figure and therefore allowed me to spend around $35 per week or around $150 per month on meat. The good thing about having a figure like this is that it gives you a guage. So for instance, if you buy a roast that costs you $10 then you *know* you need to get 2 meals out of that roast in order to make it fit within your budget.

Initially, as I said, I was working on an “average” figure of $5 so spending slightly more than $5 on a meal of meat sometimes wasn’t really a problem. I did however, challenge myself to spend under that $5 limit as often as possible. Once I began to do that, any meals which cost me under the $5 started to actually save us money.

Once I had a handle on that (remember, still taking one small step at a time here), the challenge became to see if I could get us the occasional “free” meal. For instance, could I make $10 worth of chicken breasts do us 3 meals instead of 2? Every time I managed to get us 3 meals for $10, we were essentially eating “free” for 1 meal. I found these kinds of challenges quite fun. If you can tackle the grocery budget from a “fun” angle, you’re much more likely to be successful over the long term.

I think it comes back a bit to the “game” mentality. Setting small challenges and seeing what you’re actually capable of. You might start off by only knocking $1 per week off your meat spending but if you play that game 10 times, you’ve suddenly knocked $10 per week off your budget/spending.

Another thing I did was start to buy 2.5 times the amount of meat I would usually use for a meal and make that stretch for 3 meals. This is one of the ways where buying meat in bulk amounts can really help. Say chicken breasts are on special, you buy up a number of packs and then sort them all at once. By shaving just a small amount from what you’d usually use per meal, you can end up with a couple of free meals without hardly noticing it. You’ve taken advantage of a good price but you’ve also taken advantage of being able to take lots of small “bits” and turn them into enough for an extra meal. When you buy only one meals worth at a time, it’s harder to do this (doable but harder).

MENU PLANNING

When I first began menu planning I found it hard to get my head around WHY it seemed to reduce my grocery spending. I couldn’t deny the fact that it did but I didn’t understand HOW it did. Spending on meat is one category that can really benefit from menu planning. You do need to be a little bit deliberate about what you’re doing when you menu plan though.

If your family has a favourite meal that is rather expensive, you don’t have to strike it from the menu. But what about spreading out how often you have it. If you tend to have 1 expensive meat meal per week, can you stretch it so that you’re only having 1 a fortnight. OR, if you really want to have that more expensive meal once a week, what can you do on another night to compensate for the extra cost? By having a plan you can really see what you’re doing and look to change the patterns a little.

I’ll give you an example here. We decided that for the sake of our health we really needed to make eating more fish a higher priority. This is a real challenge for the budget conscious as fish is one of the most expensive meats to buy. How I compensate for this is to alternate our fresh fish with canned tuna and also generic brand “cardboard” frozen fish. I get 3 meals of fish for under $3 and I know then I’m able to spend the extra few $$ on a meal of fresh fish once every 4 weeks. By looking at the overall picture, you can balance the scales a little.

Another thing I do with our menu plan is to plan at LEAST 1 frugal meal per week. We actually tend to have 2 frugal meals per week because Sunday nights is a fairly easy meal and tends to naturally fall under the “frugal” category (toasted sandwhiches, pancakes etc). Thursdays I try to plan a “low meat” meal. To begin with, I was trying several vegetarian recipes in an effort to reduce our meat consumption. One of the things I tried was vegetable lentil loaf . In the end DH decided that it would be much better if it had meat in it. LOL.

So I don’t even attempt to make vegetarian meals anymore. I perservered for quite some time with various recipes but it just wasn’t working out well for us. I decided that it was more important that we enjoy eating than achieve “vegetarian meal” status. Instead, I worked on having more “low meat” meals. If we eat 2 “low meat” meals instead of 1 regular meat serve and 1 “no meat” serve, the overall effect is the same really.

BACON is one of my best friends. I can add $1 or less of bacon pieces to a meal and that qualifies it as “having meat”. LOL. Approximately every 6-8 weeks I purchase 1kg of bacon pieces and that will usually do us 6 or more meals. It’s really a great stretcher in that you can get quite a reasonable amount of flavour from a very small amount. Sure, it’s not the healthiest of meats, but I think I balance that out okay by not using very much.

WHAT ABOUT HEALTH CONSIDERATIONS?

This is a tricky one. Healthier cuts of meat do tend to cost more. Eating less meat per meal is definitely a healthy alternative so that’s one solution.

Healthier mince (I think that’s ground beef in the US?) is one product that many people will insist on paying more for. I hate buying mince because it is so hard to really tell what you’re paying for. How do you really know that they “heart smart” mince is really any better than the “budget” mince? I prefer to make my own. If you have a food processor, it really is quite easy. I purchase budget roast beef when it’s on sale for $5.99 per kg then dice it up and throw it into the food processor. That way I know exactly what is in what we’re eating and it’s reasonably low fat (I trim the small amount of fat from the outside of the roast first). Even with having to trim off a bit of fat, it’s still costing me quite a lot LESS than the $12+ per kg charged for the “leaner” types of meat.

I also prefer to add my own additives to meat rather than buying things where they’ve been already added. Make up your own chicken or beef patties. It does take a little bit of trial and error to work out how your family like them but it’s so worth it. Unfortunately I’m a “fly by the seat of my pants” type cook so it’s hard for me to share with you what I do. One thing I do know is that over time I’ve been adding more and more vegetables to my meat patties and I think we like them more that way than when they were mostly meat.

Get aquainted (if you’re not already) with beans and lentils. It’s amazing what these can be added to. They’re a fantastic source of protein and soooo cheap. I have sourced a place where they are almost half the price of what supermarkets charge so keep your eyes open (or do a search) for wholesalers, health food shops etc that might sell these types of things in larger quantities for a similar price to what supermarkets charge for a small bag. Dried is HEAPS cheaper than the tinned varieties. I simply soak a whole lot at once and then freeze them. All I need to do then is throw them in the slow cooker when I’m ready to use (don’t forget though that kidney beans MUST be boiled to destroy something in them that our bodies react to). I do, however, keep some tins on hand as I figure it’s still cheaper to use the tinned variety when necessary than to not use them at all.

I use beans and lentils in soups, casseroles, pie fillings, spaghetti bolognese, meat loaf/lentil loaf, patties, salads, on pizza…..they’re pretty versatile really and it’s just a matter of experimenting with the many ways they can be used. You’re only limited by your own imagination! Just try not to get too carried away and add HEAPS the first time. I’ve found it’s better to go slowly, slowly, adding more each time so the family gets used to the texture and their presence.

SPAGHETTI BOLOGNESE

I hope you’ve gotten the message by now that I think the best way to tackle any aspect of your grocery budget is to make the changes very gradual. :-) If not, I’ll repeat myself. Take it very slowly. What’s the saying “Rome wasn’t built in a day?” LOL.

I’m going to use my spaghetti bolognese “recipe” (sorry, don’t get excited cos there is no recipe) to show you what I mean here.

How did I used to make spaghetti bolognese? 500g of mince (let’s use an average figure of $4) and a bottle of pasta sauce ($3). Total cost per meal for the sauce part of $7 per meal.

Let’s assume I buy the mince on sale ($3) and the pasta sauce either generic brand or on sale ($2). My sauce has now cost me $5 and I have an extra $2 in my pocket.

Now I learnt from my friend that spaghetti bolognese tastes nicer with a “fresher” taste of tomato so instead of using the sauce I now use a large tin of tomatoes (85c) plus add a grated carrot and a few onion flakes (15c). Sauce has now cost me $4 and I have $3 in my pocket.

Playing around and experimenting, I figure out that if I add a few red lentils (20c), plus a few extra vegetables (50c) I can actually stretch my 500g of mince over 2 meals. So I spend $4 (from last figures) and add 70c to that so $4.70 for 2 meals or $2.35 per meal. I now have $4.65 per meal in my pocket.

Gradually going through the process of adding bits and pieces like lentils, beans, more vegies and so on and I eventually stretched that 500g of mince to 3 meals. Because of the beans and lentils, the protein value is still there, the fat level is lower, the nutritional level is higher and the cost is lower. It’s a win-win situation all round.

Last night I made up a batch of bolognese sauce in the slow cooker. I’m guestimating that I ended up with at least 4 litres by the time I had finished. That will do us 4-5 meals. I use it for spaghetti bolognese, lasagne and tacos mainly.

500g premium homemade mince ($3)
soaked beans from freezer (30c)
red lentils (20c)
800g generic tomatoes (85c)
bottle passatta (90c)
few blobs tomato paste (20c)
couple handfuls oats to thicken (10c)
minced garlic (10c)
chopped shallots (garden - negligable cost)
parsley (garden - negligable cost)
bag frozen spinach (garden - negligable cost)
bag grated carrot (would have gone to waste if I hadn’t grated and frozen from a bulk lot so really negligable cost but let’s say 10c)
bag grated zucchini (given to me during summer - free)
diced frozen capsicum (10c)

I think I’ve remembered everything. Total cost $5.85 divided over 5 meals $1.17 per meal. I now have in my pocket $5.83 per meal for the sauce portion. Even if I only manage to get 4 meals from it, the cost per meal works out to $1.46 - a great improvement on $7.00!

Had I gone directly from the meat plus bottled sauce version - I don’t think anybody would have liked it and I suspect the dog would have had a feast. By making the changes slowly, we’ve had much more success. Admittedly my DS made a comment last night about how ours is different from everyone else’s because we don’t have big lumps of meat. I was able to point out to him several pieces of meat at least. LOL. It didn’t stop him eating it. In fact, there wasn’t a scrap wasted and the kids ate in record time. DH commented how that it was the best I’d made so far. :-)

BULK BUYING

I could list off a heap of tips here about bulk buying, buying marked down meat etc but it’s hard because everyone’s situation is different and the resources you have around you will be different. I very rarely get to purchase marked down meat because we don’t live near large supermarkets and our local supermarket doesn’t do a lot of mark downs. Also, I’d need to do an extra trip into town on a Saturday to have any chance of finding any so the petrol costs would outweigh the benefits. Some of you may be able to take advantage of that as a way of saving costs.

Bulk buying can be a good way to purchase meat cheaper but it is important that you’re clear on what you’re getting for your money. For instance, when I purchase a 1/2 cow direct from the butcher, his quoted price per kilo is for before the beast is cut up. So I pay for around 90kg at that rate but only end up with 60kg. My $4.50 per kg is really the equivalent of $6.75 from the supermarket shelf. So it’s important to be clear on what the quoted price is for.

I have purchased a 1/2 cow a couple of times and split it with a friend so we take 1/4 each. Just be aware that even 1/4 of a cow is a LOT of meat. One of the temptations when you have a large amount of meat like that on hand is to eat MORE meat and discount any savings. I guess it’s a matter of coming up with a method that’s going to work for you.

If you use a butcher, it might be worth asking what they can do for you. They might do up bulk packs with a variety of items in them as a deal for you. It certainly doesn’t cost anything to ask. It is important though to know your figures as a lot of those packs use a combination of cheaper items like sausages and rissoles with fillers in them to make the pack look more attractive.

APPEARANCES ARE EVERYTHING

One of the great ways to reduce the actual serving size of meat is to consider how it appears on the plate. Fill the plate with a variety of different coloured vegetables and smaller meat portions don’t look quite so obvious.

You might have guessed that we tend to be a “meat and veg” type family. We do eat a few “all in together” type meals but they are a smaller proportion of what we have. Those of you who do a lot of stir frys and casseroles or curries and that type of thing will possibly already consume much smaller amounts of meat. They are a great way to stretch the meat portion of a meal without it looking too obvious.

The hardest thing I think I find about all the tips and ideas out there is wading through to find the ones that will work for my family.

But regardless of what you eat, considering how a plate or bowl looks can go a long way toward how satisfied everyone will feel with what you’re serving.

There are many other ways that make meat look like more than it is. My favourite is to add sauces. This is particularly good for leftover roasts and corned beef. My kids love to have leftovers cut up and served in a sauce or gravy and I find we need less meat for a meal of this style. Sauces can make a small amout of meat look like quite a generous serving.

Sometimes meat on the bone can work out cheaper than meat without bones if you’re looking at a “per meal” basis. From what I can work out, the value for money in terms of actual meat you get may not actually be there. But by serving the meat still on the bone, it takes up more room on the plate and therefore can give the “appearance” of more meat.

Like I said before, the list of ideas can be endless and it really does depend greatly on your own personal situation as to what will and won’t work well for you. I hope this has given you at least a bit of a glimpse into what I’ve done. I know these few ideas have made quite a substantial difference to our grocery bill over time.

What sort of things do you do to reduce the amount you spend on meat? Perhaps you’d like to share them with everyone in the comments section.


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Reducing the Grocery Budget - Part Four

I actually feel like a bit of a fraud posting on reducing the grocery budget at this time of year. I tend to find myself a little tempted and waylaid by all the fancy goodies the stores have out. LOL. I get a bit *too* festive and out the window go all my good intentions. :-)

Anyway, I will plow on with what we did in order to reduce our grocery budget and more than likely it’ll be a good reminder to myself of what needs to happen. :-)

If you haven’t yet read the first 3 posts in this series or would like to refresh your memory, you can find them here:

Reducing the Grocery Budget - Part One
Reducing the Grocery Budget - Part Two
Reducing the Grocery Budget - Part Three

Now last week I think I promised to start giving you some actual suggestions on ways to reduce the grocery budget. What I want to write about today may not seem like a proper tip but in a way it’s a really BIG tip that covers many categories. I want to talk about needs vs wants and my experience has been that acknowledging the difference between the 2 can make quite a big difference to the bottom line at the checkout.

This can actually be quite a confronting topic. Partly because the definition of a “need” vs a “want” can be quite a subjective and controversial subject. But mostly because I believe in western societies we have lost touch with reality when it comes to what we really NEED. (My apologies to anyone reading that isn’t residing in a western society - I can’t comment on your situation so you’ll need to make up your own minds here).

Now don’t panic on me here. I am not suggesting here that you *SHOULD* reduce your grocery spending to bare bones physical needs. What I am suggesting though is that we all need to take a good hard look at WHAT we buy and WHY and begin to recognise more just how blessed we are.

As human beings, we really hate to think of ourselves as being deprived. If we’re feeling deprived, the temptation is to go out and spend more money in an effort to prove to ourselves that we’re not “deprived”. Then of course, we no longer have that money, something has to give somewhere else and in the end we become more “deprived” than when we first started. It’s one of those vicious cycles that we really want to avoid if at all possible.

So I found that I needed to reduce our grocery spending without us feeling deprived (to avoid an unecessary spending circle). And let’s face it, how many of us have really EVER been truly deprived? The great thing about understanding how blessed we truly are is that it can help with reducing spending across all of the budget categories (not simply food).

Understanding the difference between needs and wants was one major way that we accomplished reducing our grocery spending without feeling deprived. My current spending of $100 a week is not even close to being a “bare bones, only what we need” budget. I purchase PLENTY of wants as well. Like I said, I’m not necessarily asking you to not purchase ANY wants. Just identify them and be realistic about what you’re choosing to do. Be real about calling a want, a want.

Another way in which our family worked on this was to put up pictures of our sponsored children and some other projects we have supported on our family room wall. Every time we come in our back door, we have a visual reminder to us of how much we really do have. It has been a very effective strategy for us in increasing our thankfulness and awareness of how many things in our life are wants rather than needs. And how many people in our world struggle on a daily basis just to meet their basic needs.

Please don’t think this is about guilt. I don’t believe in giving out of guilt. To me that is the same as obligation (see my post yesterday for my feelings on giving out of obligation ;-) ). It’s about awareness. And it’s a great way to encourage contentment. Contentment is a hard emotion to grab hold of, but when you’re there - it truly is one of the most worthwhile feelings you could ever experience. I’m sure if you could bottle it, you’d make a small fortune. LOL.

So that’s my suggestion for the next stage in reducing your grocery budget. Go through your shopping trolley (or supermarket docket) and identify how much of what you are spending is on needs and how much is on wants. Start to identify how blessed you really are and see if it makes a difference in how you view your shopping trolley and what kinds of things you put in it.

Now on occasion I have mentioned in my posts a website called Simple Savings. You can join their free newsletter at their website. They also offer a paid section to their website. I mostly tend to avoid websites where you need to pay in order to get information. It seems almost counter productive to frugality to me. And there are plenty of websites that will offer great ideas for free. For some reason I decided to pay the membership fees for this particular one. I think because they have a money back guarantee with their membership. I’m actually really glad I did. It gives you access to a vault but the most valuable part of it I have discovered in recent years is the forum where members get to discuss ideas on how to save money and support one another in all kinds of ways. Membership fees are $47 for the first year and then $17 to renew each year after that. The reason I am mentioning them now is that they have a sale on until 11pm Sunday 18th (Australian time - I’m assuming EDST but not sure) for $35. So if you’ve been contemplating taking out a membership, now is a great time to do so. My apologies to those non-Australian readers. This is an Australian website and may not be of as much interest to you (I’m sure you’d be welcome to join though if you wanted to).

If you don’t wish to purchase a membership, I’d still recommend you sign yourself up for their free newsletters with great tips. After all, you can’t go wrong with free. :-) Here is a link to the website:

(Disclaimer: This is an affiliate link. There is an explanation of how affiliate links work in my sidebar. My comments however, have no bearing on the fact that it is an affiliate link. If you are concerned about this, go directly to their website http://www.simplesavings.com.au/ rather than via the link above.)

Over the coming weeks I want to work my way through the categories I listed in my original post on this topic. Non Food, Fruit & Veg, Meat, General Groceries and Treats (have I covered them all?) Does anyone have a preference for which category you’d like me to start with?

A list of other Frugal Friday participants can be found at
Biblical Womanhood.

Reducing the Grocery Budget - Part Three

This is the third post I have written in a series about how we reduced our grocery spending. If you haven’t already had a chance to read the first two, or would like to review them, you can find them here:

Reducing the Grocery Budget - Part One

Reducing the Grocery Budget - Part Two

So, we’re up to part 3 and we’ve yet to really touch on the big “B” word – the budget. How do you decide what a realistic budget is for your own unique situation?

Well you START with what you’re currently spending. That’s one of the reasons WHY it is so important that you KNOW what you’re currently spending. Because that is your starting point for your new grocery budget. THEN you start to play the grocery budget limbo. Now, I’m pretty sure I read about this idea at http://www.cindysporch.net/. Unfortunately I cannot find a place on her website that refers to this exactly. Nonetheless it’s a website that is well worth having a read when you get the time. She has lots of great ideas that I have found helpful in my quest for frugality and home organization (yes, it definitely is an ONGOING learning process lol).

The grocery budget limbo is quite an easy game to play. Now I’m assuming you all know how to play limbo? You know that game where you have a broom handle or similar held up nice and high and you all take turns going under it without touching either the handle or the floor (and without bending forwards). If you break any of those conditions, you’re out and the game continues with each round the broom handle being lowered slightly.

So the grocery budget limbo works much the same way. The goal is to lower your spending a little bit each week/fortnight/month. How much you’d like to lower it by each time is completely up to you. You can choose a percentage or a dollar amount. And yes, it can be $1 a week if that’s what you’d like. :-) If there are just 1 or 2 of you and you already have a reasonably tight budget, $1 might well be the most appropriate starting place.

If you have a family or feel that you spend plenty on your groceries, I would suggest starting with a nice round figure like $5 or $10. You can get more adventurous than that if you’d like but my experience has been that if I take smaller baby-steps, I’m more likely to make changes that will LAST. Biting off too much at once can lead to getting overwhelmed, frustrated and ultimately giving up and resorting to “whatever I spend I spend”.

To give you an idea using my own figures. It has taken me 3 years to move from spending $140 per week to spending $100. Under ordinary circumstances (ie. if I wasn’t trying to reduce our grocery budget) we increase our grocery budget each year by 5%. This has been to allow for both increasing food prices and our growing family (growing in both number, from 2 people to 5 people and also in appetite as our 3 “little people” grow into “bigger people”). So in essence, our spending has decreased over that 3 year period from what *would* be $160 per week down to $100 per week.

I guess I’m sharing these figures to encourage you that it can take a while to really see changes in your grocery spending. I haven’t spent the past 3 years completely focused on reducing our grocery spending either. I prefer to challenge myself for a short time and then have a break from focusing too much on the figures. I still prefer to record all my spending all of the time - I like the security of *knowing* where our money has gone. However, if I were always focusing on getting our grocery bill lower, I think I would find that too boring. It works for me to focus on it for a time and then give myself a bit of a break. The breaks also help me to see if the changes I’ve made have become “habits” (and therefore stick even when I’m not specifically trying) or whether things blow out as soon as I’m not watching carefully.

I have found that tracking our spending has been the most significant change we’ve made to managing our finances since we chose to take the path of more frugality and a simpler lifestyle. There is more information about how I do this in my Tracking Spending post that I wrote a little while ago. Basically I do it by starting with my “budgetted” amount and subtracting anything I spend from this so that I always know how much I have left in a given category at any time. You can achieve a similar thing with using cash and some kind of bag or envelope system as well (as long as someone doesn’t move cash from one spot to another…..).

So, back to the “how low can you go” game/concept. How do you know when it’s time to stop trying to lower the bar? Best not to keep going until you fall flat on your back. ;-) I think it’s helpful at this point if you can understand a little of your own personality here. With my budget amounts, I prefer to allow a little bit MORE than what we *really* need. I personally find that if I have overspent on our budget, I’m more likely to throw the towel in and spend more. All the time that I’m comfortably under budget, I seem to find it easier to spend less.

Some people have a tendency to spend every last cent so if they allowed a “buffer” amount in their budget, they would always spend that. If you’re that kind of person, adding a buffer amount into your budget is only going to encourage you to spend more.

Don’t be afraid to have a bit of a play around to find what works for YOU. There is no perfect system out there that suits every single person. There is no “magic” figure out there for the “perfect” grocery budget. Take some time to just observe what is happening with your spending and how that makes you feel, react and so on. The same applies to whether you use cash, credit card (that is paid in full - I’m not advocating credit for groceries if you can help it), debit card and so on. We could debate for hours on whether or not you’ll spend more using one method or another. The only way you can really find out what works for YOU is to try a few different ways and see what happens.

One thing about budgeting in general that I have found really hard to get my head around is allowing some flexibility. When I decide what our budget will be for various categories, I usually do so for a 12 month period and during that time things can change. I’m not so good at dealing with change. I much prefer things to stay the same. :-) One way I do get around this is by allowing some “buffer” in my grocery budget. Like I said before, that will work for some and might not work so well for others. Just be aware that you need *some* flexibility when it comes to budgets (without giving yourself permission to just spend whatever you feel like! LOL).

What you really want to avoid as much as possible is frustrating yourself. If you feel like you’re somehow “failing” in your attempts, it’s more likely that you’ll give up. That’s what we want to avoid. :-) If you expect to be able to decide on a budget without allowing any flexibility along the way, there is a real danger of that happening.


Australian Money Saving Tips

Reducing the Grocery Budget - Part Two

This is part 2 in a series I’m writing on how I reduced our grocery budget. If you haven’t already seen it, you might like to begin with part one.

Reducing the Grocery Budget-Part One

How did we go with keeping track of what we spent this week? Any major surprises, pleasant or otherwise?

I want to give you a couple of warnings this week (okay, well 3 actually which I guess is 1 more than a “couple” but you get the idea right?).

1. Be careful that you’re NOT reducing your grocery spending by simply eating out of your cupboard and pantry without replacing it. You might keep your spending low for a few weeks but you won’t have made any long term changes. I know when it’s all new and exciting you want to see results STRAIGHT AWAY. Just be aware that reducing the grocery spending is a LONG term project. It has taken me 3 years to get to the point I’m at now. On the other hand, don’t be too discouraged for now if your spending doesn’t go down straight away. The most important thing right now is that you KNOW what you’re spending on groceries so that we have something to work from.

Now, using on your reserves/stocks/whatever you want to call it is NOT a bad thing in itself. If you’re a chronic hoarder like me, it could actually be a GOOD thing. It’s just important to realise that you may not have actually reduced your spending all that much - instead you’re making use of money spent in the past. Of course, if you’re a chronic hoarder like me then you may also find that what you spend on groceries is actually *too much* which gives you room to move down a little without too much hardship. :-)

I found when I first started out doing this that my grocery spending went down for a short time (because I was using up on stores), then it went back up again and I wondered what I was doing wrong. Then for a while it stayed the same - and that can be very frustrating. Rising food prices and growing children can really put a dent in our efforts to reduce the grocery spending. Understand that keeping your spending the same IS actually reducing your grocery budget. I found for a while that all my efforts were doing was keeping up with inflation. In other words, as I learnt new ways to trim the grocery budget, those savings were eaten up by price increases.

As I continued to learn new ways to cut my spending and developed new habits, eventually my efforts started to show. My savings started to outweigh those price increases and the spending gradually started to come down.

2. Beware the news articles blaring “food prices to increase”. I *hate* these kinds of reports. What do they really do to help the consumer? In my opinion, nothing. It gives supermarkets some leeway to increase prices without consumer backlash AND it causes people to spend unnecessarily. If you *expect* your grocery spending to go up - believe me, it will!!! To me spending is like an untrained puppy. Let it off it’s leash and who knows where it might end up.

Yes, price increases are a fact of life. Yes, the drought *has* to have *some* effect on our prices. BUT, I think if we were to look back through history at the changing grocery store trolley. I think we would see a lot MORE than simply “a loaf of bread has gone from 10c to $10″ t