Daily Preparedness

Sorry for the delay in completing our field trip–we have had one medical crisis after another!

It is off to the store; list, coupons, re-usable bags, thermal bag for frozen foods and our frugal wits about us! With your super-organized list you are going to come out a winner at the end of this race.

As you enter the store, check your list to see if you have prescriptions to drop off or pick up. Consider making the pharmacy your first stop, especially if you are dropping off a prescription. If you are picking one up, check to make sure it is ready. If it is ready, place the medications securely in your purse or return to your car to lock them in the trunk (unless they are heat sensitive!).

With your well organized shopping list, you are ready to fill that cart with bargains. When you are standing in front of the well organized shelves, keep in mind several tricks of those whose lives are dedicated to removing the maximum amount of cash from your budget.

Mark off items as you purchase them. If you are going to utilize a coupon, remove it from your coupon pile and place it in an envelope, a separate part of your clipboard or on top of your re-usable bags. One savvy shopper keeps a clip on her re-usable bags. As she picks up a coupon item, she attaches that coupon to the bag with the clip.

Generally, the most expensive, highly publicized brand will be at eye level. The cheaper brands, including house brands, tend to be lower or higher on the shelves. Remember to look up and down before deciding which to buy.

Scrutinize the small portion of the shelf price sticker that allows you to compare the cost of product per measurement. If your store doesn’t offer this option, go to a different store! Double check your coupons to be certain that you are truly saving money as compared to a different brand. Be extra cautious with laundry detergent as you need to compare the estimated number of loads a particular brand will do. Do NOT assume that the larger size is necessarily cheaper!

Wherever possible, purchase store brands. Remember the golden rule–the less prepared the item, the more you are likely to save.

Need items due to a special diet? Check the ingredients in the ‘regular’ aisles before heading to the speciality aisles. For instance, I needed dairy-free chocolate chips. In the ‘natural section’, the chips labeled in large print “Dairy-Free” were $10.50 a pound. GAG! Taking a few seconds to read the ingredients of the store brand dark chocolate chips in the ‘regular aisle’ revealed they were ‘dairy-free’ and less than $4 a pound.

Avoid money pits!

• Pre-packaged side dishes & entree mixes (5 to 10 times more $$$ than a dish you assemble yourself, plus more calories, fat & sodium), spaghetti sauce (2 to 6 times as much as homemade),
• Spice packets (10 to 30 times the cost of mixing your own)
• Single package snacks & treats (2 to 3 times more than bagging your own).
• Junk food in general, including fruit ‘roll-ups’ and ‘fruit snacks’ (which are really just well-named candy full of sugars and bad for little one’s teeth)!
• Power Bars, energy drinks and expensive trail mixes. Make your own trail mix from cereal, a few nuts, chocolate chips, dried fruits & miniature marshmallows for a fraction of the cost.
• Nearly anything packaged for children. Avoid paying extra to subsidize the marketing campaigns of this week’s favorite TV or movie kiddie-hero!

Check end caps for sale or special items. Likewise, check the area where the store places their ’scratch and dent’ items.

Stockpile items that you use frequently when they are deeply discounted. Remember, after holiday sales occur in grocery stores. The kids won’t really care if they are eating pink and red M&M’s in May!

Purchase all of your ‘dry goods’ first. This includes paper products, canned goods, packaged items–anything that does not require refrigeration.

Tempted by a ‘luxury food’ not on your list? Place it in a separate section of the cart so that you can review your decision before checking out.

Produce:

• Check your produce carefully to make certain it isn’t bruised, overly ripe or over-priced.
• Eat seasonally. Do you really need raspberries in the dead of winter?
• Remember cost per portion. If you purchase large apples and you don’t cut them in half for the little ones, they will probably waste a good portion of the apple.
• Consider the true cost of a few minutes of time. Those bags of salad? At least THREE times the cost of a few raw ingredients. Pre-cut stew vegetables? Probably more expensive than the meat you will purchase. Pre-cut celery, carrots, etc? Again, you are paying up to $40 an hour for someone to whack up a few vegetables. AND most are treated to keep them fresh.
• Whole vegetables will store longer, are less treated and more versatile.
• Treat your produce gently in your shopping cart!

Dairy department.

• Avoid the budget killers–little portions, ‘kiddie’ foods and high prices. Want Junior to eat yogurt? Great! Buy a larger container without the cutesy wrapping and save up to half!
• Look for unadvertised specials, seasonal close-outs and short-shelf-date sales. Know what type of sticker your store uses to highlight these items.
• Group your cold items together, beginning with dairy. During warm weather, put cold & frozen items in your thermal bag.

Meat department:

• Check first for mark downs! If you find an unexpected bargain, think of what you might need to serve with it. Add those items to your list & purchase them as you head to frozen foods.
• Place your meat in a thermal bag separate from the dairy & frozen foods.
• All meat should be placed in the lowest part of the cart away from fresh foods. Packages should ideally be handled with paper towels and placed in plastic bags.
• Compare the cost per pound for ‘family packs’ vs. smaller portions. You can save big by breaking down a family pack into meal-sized portions.
• Don’t buy a more expensive cut of meat than you need! If you are marinating a steak, you can purchase a less expensive cut.
• Consider replacing chicken breasts with thighs.
• Be certain that you aren’t paying for water or ‘flavor enhancers’ instead of meat. In many stores, chicken meat is infused with15% or more fluid. That fluid may be water or ‘flavorings’ (and who knows that means? Chemicals, most likely)
• REMEMBER, cost per serving!
• Meat department budget busters include pre-formed hamburger patties, gourmet cuts of meat, pre-marinated meats, ‘oven ready’ entrees and pre-cooked items.

Freezer department:

• Avoid Wallet Drains: Frozen entrees, ‘lean meals’ (translation: ‘You pay more, we give you less’), kiddie food, breakfast items (I once compared the cost of toaster waffles to the real thing–25 times the cost of a fresh waffle!), individual ice cream treats and gourmet ice creams are certain to sink your solvency ship.
• Protect your purchases. Add frozen foods to your cold items in the thermal bag.
• Maximize the smart choices, which can include plain vegetables (those microwave bags & veggies with sauce–RIP OFF!), plain fruits, juices (not juice blends which are primarily sweeteners), some pie crusts, some frozen doughs, some french fries and frozen pizzas for nights that you are caught without dinner.

Before getting in line:

• Review your list to be certain that everything is crossed off.
• Did you buy a cut of meat at a discount? Do you have everything you need to cook it?
• Have you picked up that prescription you dropped off?
• Look with a critical eye at any impulse items you added to the cart. Did you buy them because of an ad you saw? Were you just tempted due to fatigue or hunger? Do you really need it? Can you afford it? If in doubt, hand it back to the cashier.
• Keep your eye on the prize. All of those candy bars, little goodies, gadgets and magazines are placed there to tempt you out of your money! Focus on the task at hand and get out of that store with your budget intact.

Check Out Carefully:

• Hand the cashier your re-usable bags and coupons. The coupons should be left out where you can see them–they are the same as cash and you don’t want the cashier completing your purchase before deducting them.
• If the store has a loyality program that gives you sale prices, utilize it. If you don’t want a record of your purchases (though it can be useful for returns and recalls), simply use a different name.
• As you place items on the belt, keep raw meat away from other foods. Keep cold and frozen foods together. Have these items bagged into your thermal containers.
• Watch the prices as they are scanned–especially clearance & deeply discounted items. The percentage of errors in some stores is criminal. If in doubt of a price being rung up, ask. Many stores will give you the item for free if it rings up incorrectly. If you have a large number of deeply discounted items, keep them towards the end of your order so that you will be sure to have finished unloading your cart when they are rung up. Never hesitate to ask the cashier to price check an item.
• If you pay off your balances every month, consider using a credit card that offers cash back based on your purchases. With many of these cards (which you should NEVER pay an annual fee for), the rate of return is higher on groceries than other items.

You did it–all you have to do is pay, pat yourself on the back for the money you saved and load the car to drive home.

Oops…load the car carefully.

• Keep those frozen and cold things together.
• Keep heavy items down low. You don’t want a can of beans whacking you in the back of your head.
• Don’t obstruct the view. You need to be able to see out of your car.
• Drive cautiously, especially in the parking lot which is a haven for accidents.

• Don’t make other stops on your way home unless the outside temperature is below freezing and your cold items will stay cold!

Congratulations! You may have just saved 30% or more off of your grocery bill. If you followed all of the rules, avoided those money pits, shopped from a list and chose wisely, your savings will exceed 60% over the foolish shopper.

Next time: X-Treme Grocery Shopping puts the groceries away!

Are you ready to rumble? For those of you who are SERIOUS about saving yourselves time, money, energy (your’s, renewable, fossil fuel–whatever type you worry about), frustration and stress –come on and join the team! It is time to sign up for the X-Games Of Grocery Shopping!

The first step, of course, like any great sport, is training. You don’t just grab a golf club and immediately become Tiger Woods. Oh no, it takes thought, practice, patience and a bit of know how–in other words training. Unlike Tiger though, you don’t need to be born with a great talent to rid yourself of the waste most of us experience when dealing with the never-ending need to feed ourselves and our family.

This week, we will concentrate on visualization. No, not really–just getting ready to grocery shop. Getting ready? Don’t you just grab your wallet and go? Uh, not if you want to do it well. You must learn the fundamentals of the ‘game’ and then apply them to ensure success on the course/field/court/whatever.

The recipe for successful grocery planning includes these ingredients (go gather them):

Paper

Pencil

Perpetual Grocery List (if that is Greek to you, A PGL is a list you put on the ‘frig & everyone marks down when they need something or use up the last of something)

Your calendar, Blackberry, iPhone or whatever you use to organize your time (if you don’t have one, you really should get one right now!)

Grocery store ads

Your budget–do you know how much you can spend?

Prescriptions that need to be filled (if you use the grocery pharmacy and why wouldn’t you?)

A clipboard or something to put your list on so that it doesn’t end up at the bottom of the grocery cart

A quick peak in the ‘frig & pantry to notice things that are missing, old, growing fungus or nearly empty–add those to your PGL. Don’t forget basic non-food items such as toilet paper, facial tissue, plastic bags, etc. Throw out anything that has gone past its prime. This will allow you to start fresh when you come home from the grocery store. Salvage anything you can and add it to your menu before it goes bad!

Once you have gathered together the Preparation Recipe, you are ready to tear into making The List. True champions have advanced the PGL to a standardized list of commonly purchased items, preferably divided by appropriate sections of your favorite grocery store or at least by categories. This Gold Medal Level PGL is the ultimate in organization! If you frequent the same grocery store for most of your shopping, ask the service desk for a store map. Use this to prepare your customized PGL.

Another benefit of maintaining a PGL is that you can have someone else pick up items for you! This is especially helpful if you purchase specialty items from different stores. For instance, you might purchase organic peanut butter at just one store. If you know you need it, you can pick it up when you drive by that store. Or better yet–get someone else to do it on their way home! (Delegation is a very fine art)

Grab your calendar. Do you have any commitments coming up that will require the purchase of special items? Remember things like Johnny’s turn to bring snacks to soccer, Bertha’s Baby shower for which you said you’d make your famous spinach dip, that church potluck or a field trip requiring a packed lunch. Look two weeks in advance–further if you are REALLY organized!

With those commitments in mind, begin to look over the grocery store ads to see if anything is on sale that might fulfill those requirements. For instance, Johnny’s soccer snacks–ah ha ABC market has oranges on sale. And double ah ha–they also have graham crackers on sale! And you have a coupon for those. Mark both items on your list and put a small ‘c’ next to the graham crackers to remind you that you have a coupon. We’ll discuss how to protect those advanced purchases later–but keep a sharpie on hand in case you speed ahead of our tutorial. (Hint: You’ll want to mark those special purchases so they don’t get eaten too early)

As you peruse the sale ads, think through menu ideas. You do think about menus ahead of time, don’t you?? If chicken breasts are on sale, plan dinners around chicken breasts. What do you need to make your family’s favorite chicken cacciatore? Add whatever ingredients you are lacking to your list and put the menu idea on your calendar! You are now one step closer to being Super Organized!

Next, think about basic storage items that might be on sale. Which can you stock up on? Where will you put them? For instance, you don’t want to buy more frozen food than you have room for, so make certain you have the space for it! And the budget to cover it! Buying on sale can really rack up savings if you plan accordingly as well as extend your food storage plan.

Consult your calendar again for holidays coming up. What special foods do you need? Why not buy your Easter candy when it first comes out and then hide it from the little ones? If the tykes can’t read, just write on your calendar where you put it.

Ask family members if there is anything they need or activities they have failed to tell you about. With a bit of training, they will learn that if something they need doesn’t make it on the list in time, they will exercise their patience muscles or figure out how to get to the store themselves.

Once your list is fairly well finalized, check for coupons and attach those to the clipboard with your list. Be sure to add the small ‘c’ next to items that you have a coupon for. This will help you remember to check for a specific brand or size.

Attach any prescriptions that need to be filled. If you need to call in refills, do it far enough in advance that they’ll be ready for you.

Before going any further, be certain that your list coincides with your budget. It is pointless to spend more than you can afford as debt never saved anyone money.

Place the clipboard with your reusable grocery bags if you use them. If you are preparing a day in advance, put everything in the car or near the door where you won’t walk off without it. What would happen if Lance Armstrong forgot his bike? Tour de Oops??

You are now ready, primed, trained and set to enter the contest. Next week, we’ll ramp up your training a notch and GO TO THE GROCERY STORE well armed, toned, fit and ready to SAVE!