As a homemaker and living on one income for over 24 years, I have learned a few tricks on how to save money each month, especially on groceries.
I have to say that in order to save money, I have had to do more work because you pay for convenience ~ but it is well worth it. I’ve also learned some things about making life a little easier while working harder to save money…but that will come another time.
1. NO CABLE
One thing we did years ago to save money is we ditched cable. We have our computer connected to the TV so it makes it easier to watch Netflix and other things from the Internet right on our TV screen. And an antennae works great to get the local channels. You can even stream cable news live on YouTube. We haven’t looked back! Definitely worth considering!
2. CHEAP PHONE PLANS
We also do the cheapest plan possible on our phones. We don’t need the best phone and all the fancy stuff. I got my first smartphone at age 44 (one year ago) but I had the basic phone for many years and it worked fine. The only reason why I got the smartphone ~ besides the fact that I broke my phone and needed a new one ~ was to help my son manage his Type 1 Diabetes. He was first diagnosed right after I broke my phone and in the hospital they were talking about all the apps on the iPhone to manage his diabetes and his blood sugar. So, I got an iPhone! I waited until the new iPhone 7 came out and then got the iPhone 6 with the least amount of gigs available. I just wanted the most inexpensive phone possible. 😀
3. NO SMARTPHONES FOR CHILDREN
Our children do not have smartphones. They have one basic phone that they share since we don’t have a home phone. Our children tried to convince us, at one point, that they needed a smartphone but my husband and I grew up in the 70’s and 80’s and raised two children in the 90’s successfully without cell phones, so the “need” complaint didn’t have it’s full affect on us like they had hoped. They are surviving quite well, thankfully. 🙂
4. ONE VEHICLE
Our family only has one vehicle, which helps with our finances. It’s easy for us because my husband works a mile from work. But for most of our marriage we have had just one vehicle and we just made it work. We have had second vehicles in the past when we had teen drivers who worked and we have a 16 and almost 14-year old in the house now. We don’t allow them to use our only vehicle so we will get a cheap, second vehicle for them to use…so there are exceptions to this… but most of the time, we only have one. 🙂
5. CAR INSURANCE
THIS IS A BIGGIE: We go through our car insurance, step by step, to make sure we’re getting a good coverage for the best price. Sometimes they sneak things in that cost extra money that we really don’t need or want. (SO ANNOYING!) When we moved from Goodyear, Arizona to Phoenix (just 20 miles away) our car insurance increased $80 a month. We were persistent (that’s an understatement haha!) and asked to speak to a supervisor and they ended up working with us to decrease our insurance rates. We also pay for 6 months at a time to save money.
6. HOMESCHOOLING CURRICULUM
Homeschooling curriculum can be very expensive. I buy some curriculum but I also make a lot of my own. I found that when I spent a lot of money on curriculum, I ended up changing it to fit our needs or not using it all, which was extremely aggravating for me. I compare prices, look for free shipping, and get a lot of things at the library. I will be talking more about this another time. This is a big one for me so I am going to spend a whole blog speaking about the tricks and tips of acquiring homeschooling curriculum for less.
THIS IS HUGE FOR US!!! (That’s why I’m yelling! haha) I’m pretty picky when it comes to the ingredients in our foods and I love buying organic groceries. Making everything from scratch can be super time consuming but it is EXTREMELY cost effective (and much healthier). For the most part, if I can make it from scratch, I do. There are a few exceptions but in our house: I MAKE IT HOMEMADE!
FOR EXAMPLE: I make my own flour tortillas, pizza including crust, refried beans, salad, salad dressing, salsa (I sometimes buy Herdez because it’s inexpensive and my family likes it!), bread, enchiladas, pancakes, waffles, desserts, crackers, muffins, breakfast foods, lunch and dinner stuff too. I also make my own laundry detergent.
The first thing I do is I make a grocery list based on my menu I have set up for the week. I try to have a lot more fruits and vegetables than meat but I do include a little bit of meat in my meals. I cook my meat ahead of time and use it throughout the week. I always think about what I’m putting in my grocery cart and ask myself if I really need it or if I can do without it. Usually, I decide that I can make it cheaper with ingredients I already have in my cart or at home. Making homemade snacks, like bread, crackers and muffins, will help to keep my family from being hungry in between meals. That also helps to cut down on grocery costs. Since I buy a lot of fruits and vegetables, I rotate them so I’m not buying everything every week. A lot of my food was going bad before we used it up so I started being more careful with how much food I made instead of going overboard. I cut way back and now I don’t throw hardly any food away, and I save a ton on groceries. Being more intentional about our meals has helped me cut my grocery budget by $400-$500 a month.
Most of our vitamins, supplements, toothpaste, all of my cleaning products, our laundry and dish detergents, lotion and face products, I get from an online wellness company. I get high quality, safe for your home, products for a very good price. As a member, I get a discount, free products and other member benefits. We’ve been a happy customers for almost 10 years and saving money each month. Because it’s an online store, I don’t have to make an extra trip for my purchases. Click here for more information and let me know if you have any questions at all about this. Totally worth looking into. 🙂
Because we live on one income, we have to think first before we buy. Most of our lives we have had to live like this but now it seems so easy for us to get caught in the trap of just buying without really thinking about it or asking ourselves if it’s necessary. Sometimes I think our society has finally figured out how to market their products. It’s amazing how much money we save by paying close attention to how we spend our money.
What do you do to save money? How do you save money at the grocery store? I’m always wanting to learn more so please share your tips! 😀 Also, if you like what you read, share this post with others.
T H A N K ~ Y O U and G O D ~ B L E S S !