...so I was asked a couple of weeks ago to teach a class for our Triward Relief Society activity today. I guess it is good to be known as a frugal shopper! I got so excited that I might have over prepared just a bit. I thought I was going to have 45 min., and I was sure I could talk fast enough so I prepared a good hour and a half worth of Smart Shopping goodness. Well I ended up with only 30 min. so you all get to be blessed with the WHOLE darn spiel (that is German and said sh-p-eel I just learned something new when I couldn't figure out how to spell that darn word) BUT if you stick with me I have 4 prizes left since I didn't have time to give them away they are yours for participating...(I don't even care if you where there and know the answers)
So here is the game...can you correctly price these items? For the prize I am interested in the TOTAL retail price of these items (the food was bought at Walmart and the clothes at Shopko)
_______1 bunch of spinach
_______2 bunches of celery
_______1 broccoli flower
_______3 red onions
_______7 tomatoes
_______1 medium bag of carrots
_______1 small watermelon
_______1 cantaloupe
_______1 small pkg of black berries
_______8 plums
_______7 apples
_______1 bag green grapes
_______2 bunches banana
_______Total Cost
What about these ones-(just a hint if you guess it is under $100 you haven't been shopping for kids clothes at Shopko for a while)
_______Beach Tote
_______ 1 Girl Swim Suit
_______Boys Swim Suit
_______7 Girls Shirts (4 T-shirts)
_______4 Boys Shirts (3 T-shirts)
_______Girl Flannel Pajama Bottom
_______Boys Flannel Pajama Bottom
_______Small stuffed monkey
_______Small Stuffed Dog
_______Child Size Fleece Blanket
_______Total Cost
and finally...
_______Walmart brand disinfecting spray
_______Clorox Wipes (75 ct)
_______Lysol Wipes (75 ct)
_______1.42 gallons of Walmart brand bleach
for the prize
How much money can you save by making your own disinfecting spray?_________
How much money can you save by making your own spray and NOT buying wipes?_______
I have 4 prizes left and they go to the people that come closest on any of these answers.
Now on to the lecture...sorry if it sounds a little monotone, but really I guess that is your fault. To avoid that read this with enthusiasm :)
The first thing to remember is that saying
“I never said it would be easy, I only said it would be worth it” just like everything in life it is only worth it if you have to work to perfect it! Smart shopping takes time, and effort but in the end it can be so worth it!
The first step is figuring out your
BUDGET This is going to be different for all of us so figure out what the LEAST amount that you can get away with and go from there. Be specific and realistic! Make a specific budget for:
Food-
Gas-
Clothing-
Extras-this is going to be your dance fees, your sports fees, your school project fees, your hair or nail fee. (this should not exceed your food budget, if it does you might want to rethink a few things!)
Consider a
cash only plan. It is what it sounds like you pay cash for everything. If you don't have the cash you don't buy it. This is an EXCELLENT way to keep you (or your husband in my case) from buying on impulse. How embarrassing would it be to get to the check out and be short $0.50. This will require you to keep a running total in your head. If you find that your budget is blown from month to month this would probably be a good option for you! Keep an emergency $20 in the glove box so you aren't ever stranded and then leave your credit/debit cards at home.
Because sticking to a budget is hard work set up a
reward system. For Greg and I we set our budget and any money that we did not spend went into MY pocket for something I wanted one day. This makes shopping more of a game and with every trip to the store you will try harder to save even more money than last week. Being frugal is a JOB find a way to get rewarded for doing it well!
Alright let's talk about each budget in a little more detail and I will share my favorite tips.
Food: Tip 1) One stop shopping is meant to save you time NOT money. If you really want to get the best for your money know what to buy and which store. I used to think that was the dumbest thing ever, until I had to start being even more frugal. It is true...inconvenient at times, but true. When I make my shopping lists now I do it with Clark's Ad, Smiths Ad, and Walmart and I will usually hit all 3 stores in a week.
Tip 2) Avoid being an Isle Shopper...you know you have done it before. Grabbed a cart and gone up and down every isle and threw random things in your cart because you didn't have any at home.
Tip 3) Make a list! I know you have all heard this before so we are going to try to take your list(s) one step further and save you even more money.
There are 3 types of lists:
1) Meal lists: where you make a menu for a week (or more) and shop for the things you need off of this list. When you make this list I suggest that you write down EVERY meal AND snack and then write down every ingredient you need for the meals. Even if you know you have it on hand write it down for now. Once you have a complete list of everything you need to make for every meal (I put * next to the item every time I need it for a different meal so for example if I am having sandwiches twice in a week and I know we will eat 10 slices I put ** so I know I need to buy 2 loaves) start crossing off the items you have on hand. So when you go to the store you are sure to get EVERYTHING on your list and there will be no need for small trips later in the week. On average if you go into the store for 1 item you will walk out with 3.
2) Food storage lists: this is the list you keep in your cupboard or pantry and every time you use a can of green beans or any item that is in your food storage (frozen meat included) you write it down. Then when you go shopping you replace the items you used. This is a great idea because your food storage is constantly being rotated, you know what is in your food storage, you know whether or not you will eat it, and you know how to cook with it.
3) Ad lists: This is the BEST list to make and we combine the two other lists into this one. When you are making your menu you do it with the ad right in front of you. You make a note of all the food storage items that are on sale and buy those now. At the end of your shopping trip you really should have a "you saved" after every item rung up.
Tip 4) Pay attention to your "sale" items and ALWAYS compare your price/oz. On the price tag there is usually 2 prices the price you will pay and the price the item costs per ounce. There have been many times I will go in thinking I will buy the item that is on sale and instead buy the item next to it that is not on sale because the price/oz is a better deal.
Tip 5) Make shopping FUN! If possible find a time you can go by yourself. You wont have to worry about kids wanting treats or husbands "sneaking" unnecessary items into your cart.
The Shopping List Game: to make you aware of how much everything costs, play this a few times and you will be a pro and never pay more for an item at one store when you know you can get it cheaper at another one.
So how do you play? Write your shopping list and next to each item estimate how much it is going to cost. Round to the nearest $1 (if it is less that .50 you round down if it is more than .50 you round up-how said we wouldn't ever need our elementary math skills?). Add everything up and make sure that it is in your budget. If you are over your budget you better find some things you can do without. Your estimate HAS to be below your budget by $10 this will give you a little wiggle room (which hopefully you wont need) and account for sales tax.
Take a pen with you while shopping and keep a tally of how much over and under you were with this. Say for example you need 7 tomatoes and you estimated that they would cost $6 and you are pleased to see they only cost $4 you get a +2 tally mark. But if you have bread on your list and you thought it was on sale for $1 but it was really $2 you are -1 tally now making your total tally +1. At the end of the game your tallies have to be in the positive side-if not take some things out of the cart because you will be over your budget if you don't. See how accurate you can get. This game is no longer fun for me because I can estimate within about $2 the cost of my grocery bill. But I still make shopping a fun challenge by seeing if I can save more this month than last month. I am determined to one day pocket 1/2 my food budget because I am just that good!
Tip 6) Watch out for your Costco and Sams Clubs. I know I am not the only one out there that leaves one of these stores thinking "holy Hannah how did I spend so much money? I know I am not the only one because these stores hire people to study human behavior, they know where to strategically place certain items (or people) how many times do we buy an item because they were demoed and we liked it? (not dissing the demo ladies-although I don't know any of them anymore so I guess I am safe) I read a NY Times article about how Costco stocks what it stocks. On average it will stock 10,000 items and 6,000 of those items are "for a limited time only" items. It is a game they play with your head. You see an item that you really want and think "nope I am going to stick with my list and buy it next time I come in." well next time you come in that item is no longer there, but you see another item you really like and think I better buy it now because it might not be here next time I come, even though it is not on my list and I really don't need it.
Tip 7) Buy generic! Even as I type this I can hear my husband groan. He is much better now, but in the beginning he would swear he could tell the difference. So if you do have one of these in your house (or if you are one yourself) I challenge you to a food taste test. Buy one of each and see if you can honestly say without a doubt you can tell the difference. There are a few things I can tell a difference with and I do still buy a few names for a few items, but most of the time generic is good enough.
Tip 8) Because you would never go shopping without a list stick to it! If you are known to buy impulsively add 2-3 impulse items, but once you have put them in the cart cross them off and don’t buy anything else. (oh and when we say impulse items here we don’t mean big screen TVS we are talking a pack of gum or a treat for the drive home, or that one item you know you need but it isn’t on the list…your bad, make sure your list is complete before you leave home! It counts against you!)
Tip 9) Make your own seasoning mixes, store them in freezer bags in the freezer and they will last FOREVER-or just about. www.budget101.com has some GREAT recipes for making your own.
Tip 10) They say shop for a whole month at once, but I find I save more and waste less by shopping weekly. So find what works best for you and your budget.
Gas:Tip 1) If you are going to buy food anyways why not save a little on gas while you are at it. At Smiths if you $30 worth of food you save .05 on gas, $60 you save .10 $90 you save .15.
Tip 2) Stick with your budget. Of course your budget was realistic so it is do able living out here in the sticks like we do. If you know you only have enough money left in the budget to fill up one more time this month and it is only the middle of the month you better be consolidating some of your trips to make it last.
Tip 3) Split your budget up evenly for the weeks. If your monthly budget is $75 fill your tank up at the first of the month and divide the rest out so you have some money every week. For example with our van it costs $50 to fill it up (when I buy it on sale at Smiths) so let's say to top off the tank last week I put it $15 that means after I do my grocery shopping every week I will put in $20 of gas.
Tip 4) When we travel to Utah our gas money does not come out of our monthly gas fund-if it did we would never be able to go. It comes out of our Extras budget.
Clothing (and other retail goods): I feel like I have a very good source for the inside scoop of the retail world. Greg worked 10 years in retail 9 of which were in management, and I have been able to weasel some secrets out of him (okay he might have been more than happy to share)
Tip 1) Shop off season!! Seriously I think I should add about 10 more !! just to make sure you got this one. If you want summer clothes wait until October to buy them. If you want new winter clothes wait until April to buy them. I think with the exception of growing teens we moms know about the rate our kids are growing. My kids are pretty much right on with their age with the exception of a few things. Sure you might miss out on some of the most popular clothes, but really do you want that shirt that everyone else is wearing? I just bought me my swim suit for next year and spent $7 on a $50 suit. RIDICULOUS!
Tip 2) Shop Online: continuing on from the last tip. Online shopping provides you with a clearance section that no store is going to give you, and often it is even cheaper. For example last winter all of my kids were in serious need of some new coats. I went to Walmart (about our only option around here) and found some for $18 on the clearance rack...not bad! I came home and looked online to see if they had different colors to choose from and their prices were only $13 for the coat. Even better!
Tip 3) Shop E-bay, just make sure you price match before locking in your bid. Once you bid you are legally responsible for paying for the item if you win, so you want to be careful. When you are price matching you also need to make sure you are aware of how much the seller is charging for shipping. A lot of times this will be overpriced to make up for a short sale. You can find just about anything new and used on e-bay!
Tip 4) When shopping on line avoid paying full price for anything there is always a coupon out there for you.
Tip 5) Shopko, Sears, and Kmart all have a replacement program for kids jeans. If they wear them out before they out grow them they will replace them. Keep your receipt!
Tip 6) Sales aren’t always sales. Stores are known to on select items to mark them up before marking them down so it appears you are getting 25% off but in reality you could have bought the same shoe last month at the same price. The big SALE letters just get you to look at the item where last month you wouldn’t have. So before buying on SALE know what you are buying and shop around.
Tip 7) Door Buster Sales-are HUGE gimmicks to get you in the door and then companies prey on your impulse to buy pretty things! Occasionally the door buster item will be exactly what you want and you will save the money, but more often than not they are cheap versions of what you really want. So you buy them and 3 months later it is sitting in your basement collecting dust. Shop around before you go. Google the item with “review” in your search and read other consumers reviews of your item.
Tip 8) When shopping online ALWAYS be sure their site is legit and secure before giving them your info. You will see a secure icon (lock) in the address bar if the site is secure. In older versions you might find the secure icon at the bottom right if it is not in or next to the address bar. There should also be a drop down menu that you can click on to see how it is secure.
Extras: This would be your medication, your laundry, dish, bar, bathroom soap, your cleaning supplies...
Tip 1) On medicine: go generic!
Tip 2) If you can make it yourself do it! Cleaning supplies, laundry soap, etc. are ridiculously marked up. For example disinfecting spray the liquid inside the 32oz bottle only cost $0.01 (ONE CENT) if we figure that most retail stores mark up 20-40%.
Tip 3) If you aren't going to make it yourself vow to never buy it unless it is on sale. Walgreens, Rite Aide (do we have any of those around here) always have sales and you can always find additional coupons for them online. Then when you do find a good sale stock up on it!
Here are a few of my favorite websites for tips, tricks and just good info. I would love to know what your favorites are too.
www.retailmenot.com never submit an online order without first checking for coupon codes here!
www.pinchingyourpennies.com they will tell you where the best deals are!
www.budget101.com they have some great make it yourself recipes!
Okay I know that was WAY long, but don't forget our game I have prizes people, real actual prizes. Leave your answers in the comments section and feel free to share this blog with anyone you think would benefit from it...I had a GREAT time teaching my class and wish I could have gone on a bit longer-what can I say I like to hear myself talk :)