Archive for the ‘Grocery Shopping’ Category

Buying Now for Fall Meals

Monday, August 3rd, 2009

In our kitchen, there is a change in what we buy during the fall and winter. We tend to cook soups, crock pot meals, beans, roasted meats and vegetables in the oven, and of course other hearty meals such as chili or pastas. One thing I have noticed in our city is that there are a few grocery stores that unload pastas and rice at discount prices. Da Vinci pastas were on sale so I backed up the truck and bought some of the pastas we like: twists, linguine, bucatini, dumplings, and orzo. I also bought two bags of Goya black beans that were on sale for well below regular price.

The stores you need to be familiar with for this type of sale are the traditional local grocery stores (i.e. IGA types, etc.), rather than the new model of “everyday low pricing” (i.e. Wal-Mart, ALDI). Many people avoid these traditional stores because they usually have higher prices on meats, milk, or a particular item you might buy on a regular basis. I make it a point to watch a few local grocery stores’ circulars and then go in and snatch up bargains such as Da Vinci Linguine for $0.77, 5 lbs of white rice for $3.49 or other such deals like the black beans I mentioned earlier. These stores will also run specials on other winter type items such as broth. Stock up on beans, broth, and pasta in July and August when the stores are desperate to move them! At one local store, I found a huge display of 1 lb Skinner spaghetti packages for $0.79 each. Another out of season bargain I found at our local store was Goya Adobo seasoning for only $1.39.

There are a few key concepts to buying discount staple food out of season:

  • Target local or regional stores that do not use the “everyday low pricing” concept
  • Make occasional trips to these stores only to purchase staples that are running at deep discounts
  • Focus on “out of season” items during the summer and those items on sale. For example: pastas, beans, winter cuts of meat such as roasts, and of course canned soups (Chunky Soups aren’t exactly moving off the shelves in July)
  • Use coupons at these stores wherever possible and avoid purchasing anything they sell at higher prices
  • Look for gourmet items that these local stores have gambled on and lost. I bought a great Jalapeno and Lime bean dip and a salsa by Original Juan (Micro Batch) for only $1.50 each on clearance when the store couldn’t sell their huge inventory. This is a boutique brand.

As with all of my strategies for saving money, every bit of money you save adds up. Once you get going with this type of thinking, you will find that all of a sudden your money is going further and that you have more of it left over.

Coupon Power: How To Win at Coupons

Wednesday, May 27th, 2009

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Ever notice that when you walk into a grocery store with a big stack of coupons, you always get the feeling you’re going to get a hard time from the cashier? I get that feeling every time. I can look at a line of cashiers and tell immediately who is going to give me a hard time. I suppose they somehow feel that you’re getting too good of a deal – “getting over” on them. If you have ever been in line and had a fast talking cashier tell you that your coupons are invalid or that you simply misunderstood how the coupon works, join the club! My advice is to know the coupons inside and out before you leave for the store, particularly if the coupons are conditional and require multiple purchases. There are other strategies but generally the best one is to be detailed, polite, and street smart.

Here are tips to get the cashier on your side or to win at using coupons:

  • Immediately strike up a conversation with the cashier. Don’t be skeptical about personal relationships, particularly if you are a regular customer.
  • Put your “free” items at the back of the conveyor belt so that the cashier doesn’t have to look these up – the cashiers appreciate this. Tell them you did it as well.
  • Keep track of the type of cashier that you work with the best. I recommend going through the high school kid’s line. The high school kids don’t care a lot about your coupons. Other than young kids, there is no profile of age, gender or race that is the best. It has to do with your personality. It’s worth standing in a longer line if you know there is a cooperative cashier who you’ve worked with before.
  • Put your coupons in order so that the bar codes face the same way. Cashiers appreciate this.
  • Know your coupons! Know how they work. Know your store’s coupon policy. If the cashier encounters any problem, their tendency is to try to bamboozle you into not using them. Make sure they know you’re going to stand there until it’s done right. In other words, have a winning mentality.
  • Do not raise your voice. Don’t start a war with a cashier. If there is a problem, make sure they know you’ll wait patiently until a manager comes to solve the problem. This is another good strategy.  
  • If all else fails, ask that the item be removed from your grocery order. I have found that the prospect of the cashier having to replace an item or multiple items on the shelf inspires a new attitude regarding my coupons and “working it out.” No employee, particularly at local stores, wants to explain to management why a customer is buying less or why a customer is unhappy. 
  • Remember that you are a regular customer and your business is valued by the store management. You are important and have power. This is particularly true if you aren’t just coming in for coupon items and you’ve got a basket full of other stuff. The store gets reimbursed for your coupons! 

How a Price Book Can Save You Money

Saturday, May 23rd, 2009

I’ve worked on my Price Book over the past week entering my grocery data into the Open Office spreadsheet. It’s a respectable amount of data and over time should help me better identify where I need to make changes if any are needed, as I’m sure they will be. As I continue to make purchases or a price changes, the data will continue to grow. I want to be able to see some historical data so some items may be listed twice but with different values. I may also have an item listed twice due to a price difference for two stores. I have one store that doubles one like coupon per transaction in my area up to $1.00, and while I think that many of the items are overpriced at this grocery store, a doubled coupon will sometimes beat the price of another store.

I have a few items listed that don’t include pricing information yet. For these entries I either can’t locate a receipt for the item or haven’t purchased it in quite some time and can’t remember the pricing information. I still want to include it in the price book because it is something that I will purchase in the future. Having the incomplete entries on my price sheet for things that I already buy will allow me to fill in the price while grocery shopping.

The price book comes in handy when an item is available in different sizes. I can quickly compare the unit price instead of relying on the price of the item to determine which is the better price. An example is an entry for shredded cheese purchased at Aldi in a 12 oz. package and Kraft Cheddar Cheese purchased at Buy4Less in an 8 oz. package. The unit price for Kraft Cheddar Cheese is $.19 and the unit price for shredded cheese at Aldi is $.25.  While not a huge difference in unit price, it is a difference of $.48 for 8oz. Here’s where the price book helps stretch my budget. At the $.19 unit price I would pay $5.92 for four 8oz packages of cheese, but at the $.25 unit price I would pay $8.00 for that same amount of cheese. The $.19 unit price clearly wins out, but not breaking it down by unit price would make it difficult to determine the savings.

My price sheet is now in the front of my coupon binder, and over time I think it will allow me to reduce my grocery budget, or at least identify items that don’t vary in price. Instead of putting it into a plastic sleeve I’ve left it accessible so that I can write any notes that I need to. Check here for more on What is a Price Book.

The Reward for Smart Buying: A Grocery Shopping Holiday

Sunday, May 17th, 2009

One of the most rewarding things about smart buying, stocking up, and opportunistic shopping is when you take inventory of what you have and you don’t really need much. I shop every two weeks for groceries and may make one trip in between for something I really need. This time I went through my freezer and found plenty of meat and frozen vegetables. I went through my pantry and found plenty of canned goods, cereal, rice, pasta, and other items. The result was that my shopping trip to the grocery store was for fresh fruit, milk, a few herbs and spices, olive oil, and a few other items. We had our standard amount in the budget for grocery shopping and now we can use that money for something else. Some may find a preoccupation with personal finance to be a little uninteresting or downright creepy, but practicing thrift in your life will pay big dividends. We generally spend $175.00 at the grocery store in a two week period for our family of 5. This time we spent around $75.00. We will have $100.00 in our budget to spend on something else or to save.

What is a Price Book?

Thursday, May 14th, 2009

What is a price book? A price book is an itemized list of grocery items that will allow you to easily identify the best price you’ve paid for an item in the past. Why a price book? I am starting a price book because I think it will help me determine areas where I can make further savings. I would like to see that the steps I’m taking are truly netting me the lowest price on an item at any particular time.

I also need a price book because I have a hard time remembering what I pay for items over the course of my shopping.  Sometimes this forgetfulness is due to infrequency of purchasing an item, and other times it’s just because I simply can’t remember all those prices in my head. I have a few items that I absolutely know the top price that I will pay for an item, like cereal for instance. I never buy generic cereal and I rarely pay more than a dollar for a box of cereal. I wait for a sale, combine the sale with my coupon and stock up while it is on sale. If it runs out during the sale, I get a rain check. The other thing a price book is good for is to determine if a sale price is actually a sale or if it is just the normal price.

A price book is really up to the individual to create since it is based on the items that they buy for their family. Since grocery prices vary by region and sometimes even in the same city, it only makes since that the price book is created by the individual that intends to use it. Price books are easy to start, and once you have an established price book, they are easy to maintain. To start your price book all you need are your last two or three grocery receipts which will give you the price. Then, hunt down the matching items in your cabinet or pantry to get the size of the product (unless of course you have that information memorized). With the price and the size you can determine the per unit price. The per unit price will be based on whatever makes sense for the item you are purchasing. If you are purchasing olive oil or a bottle of syrup it makes sense to use ounces. If you are purchasing sugar or flour it makes sense to use pounds for the per unit price. The per unit price will allow you to easily look at your price sheet and with the help of a calculator quickly determine if the sale price is truly a good price.

With a price book you will be able to identify quite easily if it is more economical to purchase an item in bulk at a club store or on sale at your local grocery store. Using a price book will also give you a clearer indication of a stores sales cycle and allow you to make your purchases during the lowest price possible.

I’m starting my price book in our Open Office program that is similar to Excel. This will allow me to put all my information in and easily add new items or categories, and then print the price sheet to keep in my coupon binder.  The great thing is that if the price doesn’t change there is nothing to do. The spreadsheet will allow the computer to calculate your per unit price. 

I will update my status on my endeavor to create a Price Book. Posting here will certainly give me motivation to get it started and finish it. 

On a side note, I’ve been searching for a coupon binder that zips. I can only imagine what I would feel like if my coupons went flying through the air. I finally found one at Staples a few nights ago. I went just to get a general price on the binders and after browsing the limited selection felt that the prices were a little steep. Prices varied from around $15 all the way up to $30ish. I had  passed a clearance rack on the way to the binders and thought I would give it a glance to see if they had any on clearance. Lo and behold a purple zipper binder (not my first color choice) was on clearance for $12 something. I thought I had better grab that while I had the chance. After I corralled the kids and finally made it to the register I was in total shock because the binder rang up at $2.50. I felt like I was stealing it. It was great! I further inspected the binder when I got home thinking there must be something wrong with it for the $2.50 price, but it’s perfect.

Deals: Reduced Price Meat and Lunch Meat

Sunday, May 10th, 2009

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When walking the meat section of your local grocery store, check for red stickers on meat. Check the lunch meat section as well. Many stores will reduce the prices on meat and lunch meat when it is almost time for a new shipment to come in and particularly if sales have been slow. I have found some exceptional deals on lean pork chops and lunch meat using this strategy. The expiration dates or “best if frozen or used by” dates are usually fast approaching on these deals, so it’s a good idea to have a plan. I usually start a brine or marinade right away or stick the package directly into the freezer. If you want to make meals for $10.00 or less for your family, this is a recommended shopping strategy.

Private Label Brands: Price and Value Matter

Wednesday, May 6th, 2009

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Our current economic recession has forced many Americans to reconsider private label brands (read: store brand or generic). Private label brands are simply the store’s brand of product that is likely produced by the name brand manufacturer with a slightly different formula. The quality is usually just as good, but in some cases can be a little “off” from the name brand. A good example of the quality being right on with the name brand is peanut butter. Another good example is frozen vegetables. A good example of private labels being of lesser quality is bread. My husband has a friend at church who works in the Sara Lee factory. The private label breads have a little more air and a little less flour. We simply will only settle for Cheez-Its if we want that type of cheese cracker. There is a noticeable difference.    

These distinctions between the name brand and private label goods bring up another topic altogether. Are you going to be frugal or are you going to be cheap. I define frugal as being someone that simply tries to find the best deal on the best product and use as little of it as possible. Being cheap means that you will settle for a lower quality product to save money. You are willing to gamble on quality or settle for lower quality. After examining our style, we think we are a little of both. When it comes to grape juice, we will not deviate from Welch’s. However, we are perfectly willing to use the store brand of boxed macaroni and cheese for our son’s occasional snack. The quality is very close.  

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Americans have been slow to adopt private label goods. Europeans purchase private label goods in such volume that they make up a great part of the market share. The recession has inspired Americans to re-think private label brands. According to a Nielsen article, the rising prices of commodities have driven American consumers to private label brands. In 2008, private label brands jumped 10.2% in market share. 

Here are examples of private label products we will buy: boxed macaroni and cheese, canned soups and broth, canned vegetables and beans, some seasonings, canned fruits, hot dogs, peanut butter, frozen vegetables, and chips.  ALDI excels at private label brands and Wal-Mart has improved. Many regional stores have made strides.

We will not buy private label products for these items.  For these items, there are no substitutes: Welch’s grape juice, Goya pigeon peas, Goya seasonings, Hodgson Mill products such as cous cous, Cheez-Its, Ovaltine mix, Bumble Bee Tuna, Saltine Crackers, cereal, granola bars, salad mix, and soft drinks (we drink them rarely).

What Exactly is ALDI?

Monday, May 4th, 2009

 

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I have received a number of emails asking about the ALDI stores. Many questions have been asked and it became apparent to me that ALDI is not in every state in America. I am going to use this post to answer these questions and explain the ALDI concept.

Where is ALDI?

Although ALDI is based in Germany, ALDI is currently in 29 states and has 1,000 stores in America. ALDI is huge in Germany and across Europe where consumers are much more likely to buy private label or “generic” brands of most grocery items. Many Americans haven’t caught on to the private label concept. Private label brands comprise over 50% of sales in Europe and it is well known that private label brands have a high quality. Americans are slow to catch on. When Con Agra’s Peter Pan brand of peanut butter was pulled from the shelves due to recall, it was no coincidence that Wal-Mart’s brand was also pulled. 

What is ALDI?

The company started with a concept similar to that of Wal-Mart. They wanted to offer low priced goods all the time without a lot of frills. The guys that started ALDI are no-nonsense. Many of the business practices from their German stores are used in America. These practices include: turnstiles that guide customers out the door after shopping, charging for bags, allowing customers to bring their own bags or boxes, charging a coin deposit to use a cart (to encourage the return of carts), “bankers hours,” the low price policy, and no acceptance of coupons. The stores in America will accept cash, certain debit cards, and Discover cards. Visa and Mastercard are not accepted unless they are debit cards and part of ALDI’s list of accepted networks.

What is unique about ALDI?

Their stores contain mostly private label or “generic” goods that in most cases are identical to the name brands that are available. Some gourmet or specialty items from Germany are also sold under various ALDI brand names. Our local stores have carried prosciutto, chicken sausage, and various other items that cannot be found at other discount grocery stores. The stores are not decorated. Pallets of their products are stacked beside each other with most of these products being displayed in their own boxes.

The checkers are also very fast. The staff at the stores generally consists of a manager, a checker, and one other person stocking items. No assistance is provided to customers beyond answering questions. This is not the place to go if you want to chat it up with a clerk or require someone to carry your groceries to the car. If you are slow, you may want to consider going during non-peak hours.

How I use ALDI

I use ALDI for most canned goods, many seasonings, sugar, milk, butter, cheese, sausage, rice, certain pastas, breads, produce, soups, tortillas, and bread. We don’t shop for everything at ALDI. Some of their private label items are great and some are not. Most of their private label brands are just as good as the name brands. Their canned fruit is excellent and their milk is produced by the same people that make the name brand milk (I saw the name brand truck delivering it to the store!). Their private label version of cheese crackers is not an acceptable substitute for Cheez-Its. We love to eat Cheez-Its and those are so good that a generic is just not an acceptable substitute. I like their canned black beans. We occasionally buy some of their unique and seasonal items like chicken sausage, prosciutto, chorizo, Mexican cheese, and others. Their stores are known to make special purchases on name brands and they keep a big display of those boxes as well. I sometimes find things I like on display there. If you live in one of the 29 states that has an ALDI in America, give it a try and be open minded. If saving money is important to you and you are willing to put forth some effort, you will be rewarded with a lot of savings. Another thing I like about the ALDI store is that I can keep track of our 3 year old son in there. The stores are small enough that he can walk around and I can keep my eye on him.

I do not purchase meat, canned tuna, or cleaning supplies at ALDI. I like their frozen Salmon filets and their frozen stir fry vegetable mix. I encourage you to try ALDI if you need to save money on groceries. When you shop there the savings will pile up item by item. You will save approximately 20%-30% over other grocery stores. We end up using our savings to subsidize either a trip to a restaurant or a high end meat or fish market purchase.

Don't forget the Rain check!

Thursday, April 30th, 2009

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I remember hearing the term “rain check” as a child growing up while shopping with my mom. At the time I really thought it had a lot to do with rain (wow, was I sheltered!). A rain check is another great tool to use for shopping that I frequently forget about.

Here’s the drill: you go shopping at your grocery or drug store and the item that is on sale isn’t in stock anymore. You make a mental note to remember to get a rain check for this item because it’s a great price. The thing about sale prices are that they are cyclical and will normally come back around again. Due to inflation and our economy we can’t guarantee that the price will remain the same the next time it’s on sale, so this is where a rain check will really help you out. At most grocery stores you will simply need to go to their customer service counter to request a rain check. At drugstores like Walgreens and CVS you can ask while checking out at the register. 

Rain checks are a great way to save money. On occasion an item will be excluded from rain checks, but any other time a rain check will definitely save you money in the long run.  Rain checks also come in handy and can save you some money on items where you get the sale price of the item and you have a coupon that will give you even more savings. If it’s something you use on a regular basis, get a rain check. Check your local grocery store for their procedures on issuing rain checks and when they expire.  CVS has rain checks that never expire, while Walgreens will put a time limitation on theirs occasionally.

Buying in Bulk: Reducing Grocery Expenses

Tuesday, April 28th, 2009

 

Buying in bulk pays off

Buying in bulk pays off

Bulk buying is one of the things you must start doing if you really want to reduce your grocery expenses.  Buying strategically when a good opportunity arises is what good business owners and entrepreneurs do. Why shouldn’t you run your personal finances this way?   

My husband and I sometimes like to go to a particular grocery store with our three year old on a Friday night and just relax. This grocery store has carts that have a little red car on the front and our son has a blast riding in it while we shop. This particular store is locally owned and has a few unique ethnic food sections, great produce, and of course a big display near the front of the store that has closeouts or specials. On this particular night we hit the jackpot.

They had 5 lb. bags of Canilla brand rice (by Goya) for $2.99 and 4 lb. bags of Goya brand pinto beans for $3.49. We knew a deal when we saw it so we grabbed a few bags. Goya is a good brand and most of their products sell at a higher than average price. We then divided the rice up into three separate zip lock bags for storage. The key to storing bulk items and keeping the product fresh is to avoid exposure to air and light. We save a lot of money by making purchases when the opportunity arises for a a special deal. These two bags will last us a while and help me with my Meals for less than $5.00 and Meals for less than $10.00.