How To Save Money On Your Grocery Bill: Bible Money Matters

Posted: 01 Mar 2011 04:52 AM PST

Finding ways to save money takes a great deal of time. Matching up coupons with local sales, finding products online through advertisement, joining discount clubs, and discussing shopping tips with friends all consume time throughout the week. Here are a few tips to help you save money on your grocery bill.

Buy in Bulk

Buying in bulk can be misleading if you would not typically consume a large quantity of a product, but if you do use a lot of a product such as toilet paper, paper towels, shampoo, conditioner, coffee, or dry goods then it may be beneficial to buy in bulk. Bulk prices are comparable to many sale prices and buying direct can save even more. The biggest savings will come with time. If you plan to shop for these items you use continuously throughout the month then buying enough to last 30 to 60 days will reduce the time and cost of shopping each week.

Many online stores offer better prices in bulk and shipping cost is minimal, often less than the cost of time and fuel you would spend to drive to the store on numerous occasions. One example is shopping online at Meijer. Meijer offers thousands of popular items for delivery and even provides sale items on a weekly basis. Promotions are offered to encourage special savings with online sales. Percent off discounts, free shipping promotions, and better pricing methods help to offset the cost of shipping if it is not free. Other stores offer online shopping as well such as Sam’s Club, Wal-mart, Albertsons (select locations), Peapod (select locations), and AULSuperstore.

Plan Ahead

Plan ahead if you are going to shop weekly or online. Just because you still have half a bottle of ketchup doesn’t mean you shouldn’t buy any this week. Plan to buy products in advance while they are on sale or when you have a coupon. This will reduce the need to run out for just a few items and it will also reduce your long-term cost of food. If you don’t have a large pantry area in your home or apartment you can purchase storage containers to fit under your bed, in your closet, or even a storage cabinet for your garage. Keeping items you have purchased in a safe location is key to keeping your items usable. Make sure canned foods are in a safe location where they will not get dented or rust and keep dry foods such as cereal and cake mixes in a temperature controlled area.

Rotate Your Stock

Working on a first-in first-out basis doesn’t always work. You have to keep track of the dates of your products so you are not purchasing items when they are less expensive and never using the items. Mixes such as for cakes, pancakes, and muffins typically have long shelf lives, but don’t get carried away and buy too many. If these products expire you may encounter mold growth that can be harmful if eaten by someone who is allergic.

When you are putting items in your pantry you need to bring the older items to the front and check the dates of the items in your cabinet. If you do this continuously then you will be aware of items with close expiration dates and you will also be able to tell if you need to purchase more or less of an item. You may find that an occasional item has found its way into your pantry 10 times and you only consume the product once or twice a year.

Keeping track of what you have and what you need will help to reduce the cost of your grocery bill by eliminating the unneeded items from your list. This money can be used for more necessary groceries.

Prepare your Produce

Getting plenty of fresh fruits and vegetables is essential for a healthy lifestyle, but buying produce once a week or once every two weeks can be difficult to maintain. If you purchase products requiring preparation such as washing, peeling, or slicing, then you should prepare those within a day of purchase. Wash lettuce and place in a lettuce crisper, rinse apples and place in the refrigerator, wash grapes and broccoli and store in air tight containers in the refrigerator, and slice peppers for their intended purpose (i.e. stir fry, etc.).

Preparing produce in advance will help you during the week when you are rushed to prepare breakfast, pack lunches, or make dinner. You can simply pull out the broccoli and toss in a wok with a little water or you can grab a bag of grapes to quickly add to your lunch. Having access to your fruits and veggies that are ready to be used will encourage you to consume them and waste less. The less food we waste the less of a cost our grocery bill will be.

Use Your Freezer For More Than Processed Foods

Often freezers are packed full of frozen, preprocessed, ready-to-microwave meals, but it can be used for more than that. Buying meat such as chicken, hamburger, and steak while it is on sale can greatly reduce your grocery bill. Meat is on sale frequently especially around the holidays. Take into consideration how many pounds your family will consume each week then determine the amount in 3 or 6 months. Purchase that amount of meat when the product is on sale and prepare it for freezing when you arrive home.

Hamburger and fish are often ready to use right out of the store package and can be frozen as is, but chicken and other poultry need to be rinsed well before you use it. To save time, and ultimately money, prepare your chicken within two days of purchase. Rinse the chicken in cold water, remove any fat or unwanted pieces and discard, cut up the chicken for different meals (chunks or strips for stir fry, breast for baking, tenderloin strips for grilling, etc.). Then you can freeze the meat using a FoodSaver Vacuum Sealing System.

According to product claims, the FoodSaver saves up to $2700 per year based on buying in bulk, buying on sale, and not wasting food. Once the chicken is frozen you can quickly grab a bag out of your freezer, thaw it in the microwave, and cook it for dinner. Steaks can also be processed this way. You can purchase a large cut of meat to divide up for several meals reducing your overall cost of food. Rotate your stock in the freezer and use older items first to reduce waste. Preparing the meat in advance will encourage you to eat at home more, waste less food, and save dinning out for more special occasions.

Saving money on your grocery bill seems more important than ever. With tighter budgets and higher food cost every little bit helps. Once you get into a rhythm of where and when to buy products you will see the cost of your grocery bill decrease and the time you spend on saving decrease. Saving will become second nature and soon enough you will have extra money at the end of the month.

Jeremy represents a husband and wife team working together to establish a quick, visual guide to assist others in ordinary tasks. Together they are the founders and editors of His and Hers DIY. In short, with their experiences combined, they are a jack-of-all-trades. For further information visit His and Hers DIY | About. For free updates from hisandhersdiy.com please subscribe to their RSS feed, receive Free Email updates, or follow them on Twitter!

This article was written by Guest Poster. We love guest contributors here at Bible Money Matters. Would you like to write for us as well? Please check out out our guest post submission guidelines and then contact us with your post idea!

Banking With Your Phone? Be Sure To Protect It

Posted: 28 Feb 2011 05:03 AM PST

As we become a more mobile society, many of us are interested in taking everything with us. This includes email, contact information, access to the office and schedules. We even like to do our banking and investing on the go. Smart phones have made it possible for us to perform almost any function involving the exchange of information from just about anywhere. And, while mobile banking can be convenient, it is important to be careful. Your smart phone is vulnerable — and so is your personal information.

Protect Your Personal Financial Information on Your Smart Phone

If you use your phone for banking, it is a good idea to take some precautions. Remember that your smart phone is a lot like a computer. Your phone can catch viruses and be infected with spyware. Additionally, you can find yourself providing personal information to phishers via cell phone. Here are some things to do to protect yourself when banking or investing with your phone:

Avoid public Wi-Fi: It seems ideal, but public Wi-Fi is not your friend when it comes to secure transactions. If you are inputting passwords, conducting business or checking your bank account, you might be unpleasantly surprised. There are those who use public Wi-Fi to capture your information as you enter it. Instead, use only secure networks to conduct these functions, and protect your wi-fi connection.
Watch out for apps: You need to be careful of the money apps and software you download to your phone. Sometimes, when you download apps, you are providing certain permissions for access to your phone and the personal information it contains. This can include Trojan programs from those with malicious intent. On top of that, apps from sketchy sources can be spyware. Be sure to vet your apps before downloading them to your phone.
Consider security: Just as you should be sure that you are on a secure site (look for the “s” at the end of the “http” portion of the URL or for the “lock” symbol) on your computer at home, you want to be sure that you have similar security when banking on your cell phone. Make sure you are at your bank’s official web site, or using your bank’s official app, and make sure you are on a secure portion of the site, before conducting your business.
Security software: If you are really worried about the situation, you can actually install security software on your smart phone. While you may not necessarily want the kind that block viruses and detects malware, you might want to consider locking software. There are programs that allow you to lock your phone from a distance if it is lost or stolen. If your phone stores a lot of sensitive information, you might want to be able to disable it in the event that it falls into the wrong hands.

We live in a society that is more connected than ever. This provides you with the chance to enjoy greater convenience, but it also comes with increased risks. Protect your personal financial information to reduce the chances that your banking by phone turns into a case of identity theft.

This article was written by Miranda Marquit. Miranda is a freelance writer and professional blogger. She writes for a number of personal finance blogs, including the AllBusiness Personal Finance Corner. She has a M.A. in journalism, and is the coauthor of Community 101. Miranda lives Utah, where she enjoys spending her free time reading, traveling and playing with her son and husband.