Excessive spending on grocery does not necessarily mean you are taking good care of your family? You could be experiencing money leakage on groceries or just throwing money into the bin. You may ask how do you throw money into the bin? Stay with me you will see how it happens.
I have heard people say they want to go to the shop to buy something to cook for dinner. I wonder how many people think like this? Why does cooking has to be accompanied by spending?
So my challenge to you is look inside first before you look outside. Have you checked your pantry and fridge to see what you have first?
See a post I wrote on how to shop from your own closet on 4 Tricks to help You Shop For free
I would like to put across to you the following;
Check your pantry and fridge
How many people go through their pantry and check what is in it before rushing to the shops. Doing this will help you make use of what you have before you buy and you will avoid keeping excessive foods which will end up expiring. Every time you throw bread, vegetables etc. in the bin just remember you have just thrown your hard earned money into the bin.
Be creative with your dishes
Did you know that meal preparation is all about creativity and not excessive spending? When my grocery is almost running out, I check my pantry and fridge. I then try and think of what I can make with what I have if it is not my shopping day. You see that is being creative, most of my best dishes are when I didn’t have much in my pantry. By doing this I avoid running to the shops to buy 2-3 things and then end up being tempted to spend more.
Use a shopping list
Check your pantry, fridge, laundry cupboard and your toiletries and write the list based on what you need. There are times when I used to write my shopping list while parked outside the shopping centre. I noticed that because I wasn’t physically checking my pantry I would end up buying things I did not need.
Make sure you use your shopping list. Having a shopping list and not using it is like having prescription medicine and not taking it. You can be old school like me and write it down and tick as you go. You can also type it on your phone or use some shopping apps.
Even if you are going to the shops to buy 2 or 3 things write them down. I say this because one day I went to the shop intending to buy 2 things and I came out carrying bags of grocery and it was not my shopping day. Have you ever gone into a shop to buy something and then you forgot why you are there in the first place? Instead you come up with a whole lot of items you didn’t need then you get home and you remember when you are about to cook what you needed. So use the shopping list it would save you money.
Set a budget for your grocery
I withdraw cash for my shopping that way I have no leeway of overspending. So when I set my budget I allocate an extra amount for miscellaneous things I might have forgotten to put on the list. For some reason I always forget to buy salt.
For those who do not know what a budget is; this is a plan detailing how you will spend your money.
I shared this at my speaking engagement last week about using cash. The ladies said if they used cash and they were over budget then they will swipe the card. Of which I said that this is a self-discipline issue if you swipe the card then you will not be sticking to the budget.
Set an allocation for your kids treats
I like to treat my kids every time I go grocery shopping so I set aside a certain amount and then give it to them. They can buy whatever they want but it has to be within the amount given to them. That way I am teaching them money skills at the same time.
Be money savvy by read my article which reveals the big supermarket secrets you do not know 7 Tricks Supermarkets do not want you to know
Be empowered and be the master over your finances
Thank you for reading,
Love & blessings