Daily Preparedness

So, you have your shopping list carefully coordinated with your menu plans and activities, you’ve taken an inventory of what you have on hand, have your menus planned, your coupons organized, you know your budget and you are ready to go to the store.

Hold the presses! Not so fast there, X-Treme Shoppers. Sit down for a moment and look at that list. How serious are you about trimming the X-cess from that X-treme list? Want to save 10%, 20%, 30% or even 50%? Do you NEED to save 50% or more? Let’s look at that list and find the hidden money-wasting time bombs that will blow your budget sky high. The top budget busters to be avoided by X-treme Savers are:

1. Prepared foods. That box of Hamburger Helper is an over-priced, well preserved & nutritional questionable box load of budget waster. Read a recipe and cook it from scratch–you’ll save 50% or more. Chicken fingers, frozen entrees, store-prepared entrees, etc, etc, etc are almost all low in nutritional value and high on cost per serving. Also avoid recipes that require you to purchase expensive premade items. For instance, while searching for a lemon chicken recipe, one ‘celebrity chef’ included a jar of lemon curd. Lemon curd is usually $4 to $5 a jar–a lemon is 50 cents! BUST them all off the list!

2. Single Serving Packaged Foods. Yep, anything that comes in a single serving size is probably over-priced and wiping your savings off the plate. Instead, buy the big size and portion it out yourself. You not only save money, but excess packaging to boot. It takes mere minutes to package up lunchbox goodies in mass.

3. Chips & Snack Foods. Nearly all are priced per pound higher than the best fresh fruit or meat. The average cost of potato chips is over $5lb. Apples average $1.79lb and are loaded with nutrition rather than empty calories. Substitute popcorn (yes, you can pop it one day and send it in lunch the next), fresh veggies or fruits for those snacks and chips. Your family will be healthier and your wallet fatter.

4. Baby juices, cereals & baby foods. Baby juices are merely ‘regular’ juice watered down. Water is cheap, so buy frozen juice and add extra water to it. Baby foods can be made in minutes at home with an inexpensive hand grinder, food processor or potato masher. Baby oatmeal can be made by whirring up some regular rolled oats in the blender before cooking. Add extra water to the oatmeal once it is cooked and you have baby oatmeal for pennies. Better yet, breast feed your baby and skip all of that baby food for a longer period of time!

5. Disposables. We throw away everything from diapers (one of the greatest health hazards in landfills) to wipes to plates, pans, cups, towels, toilet bowl cleaners, mops…on and on and on. Want to green up your wallet and the planet? Remember the three R’s–REDUCE, reuse, recycle. Substitute cloth diapers and save thousands of dollars between birth and potty training. (Some economists claim that getting rid of disposable diapers, wipes & ‘baby’ juices, etc is enough money to finance a child’s higher education–put that money in a tax-free account & Junior will go on to college). Make your own wipes if you must have disposable or use a washcloth at home! A dollar store toilet bowl brush and some bleach do a great job of cleaning the toilet. Paper towels? Use & wash cloth dish towels. Carefully scrutinize how many items (look at them as DOLLARS) you are hauling to the curb every week & think about what those dollars translate into. Google for ideas on making your own wipes, etc. for pennies on the dollar.

6. Cleaning Products. In addition to the disposable mops, dusting cloths, toilet bowl cleaners, most households spend ten times or more on cleaning products than they need to. Most household cleaning, including clearing clogged drains, can be accomplished with a short list of inexpensive products. Bleach, baking soda, vinegar and ammonia (DO NOT MIX THEM ALL TOGETHER) can take care of nearly any household mess you will ever need to clean up.

7. ‘Air fresheners’ and related ’smell good items’. Oh please, scratch these off your list. Home air fresheners either mask odors with chemicals OR coat the inside of your nasal passages with an oil that blocks smells. Both can be hazardous to pets and humans who suffer from respiratory ailments. Instead, open the windows, find the offensive smell or make your own boiling potpouri from citrus rinds, apple cores, some cinnamon and a bit of nutmeg. Boil it on the stove and then simmer for a few hours. Your home will smell apple pie welcoming and your neighbors will think you are baking.

8. Over-priced hair care. Compare prices occasionally between the grocery store, discounters and beauty suppliers. You can often buy the best products for much less if you purchase in bulk from a beauty supplier.

9. Name Brands. Always try a ‘generic’ version or store brand of your most commonly purchased items. Try them at least once and you may find that you like them! Start your children off with the generics and they’ll be happy. Many store brands are packaged in name brand factories and simply relabeled.

10. Impulse Items. Avoid anything near the registers. Smart shoppers often segregate impulse items from the rest of their groceries and harshly reconsider each item before checking out. If an item isn’t on your list, think not twice but three or four times about whether you need it and can afford it within your budget guidelines.

Again, review your list for budget busters and carefully weigh their value against fiscal restraint. Now, ask yourself these questions:

1. Do I have sufficient time to shop carefully?

2. Am I going to be hungry half way through the store? (if yes, have a snack now)

3. Am I too tired or stressed to shop carefully?

4. Are there other errands I can do on the way to the grocery store?

5. If the weather is warm, do I have a way to keep cold items cold on the way home?

6. Do I have my chosen method of payment with me?

If you passed this mini-quiz with flying colors, it is time to go to the grocery store! Join us next week as we battle the budget busting lay out of most grocery stores in order to claim victory. Cross the finish line with your budget intact, your pantry organized, your menus healthier and your time saved!