Makes Cents to Me!

by Tammy Trail

Our reality is we have no savings. We are rich in debt, and poor in cash flow. Can anyone else relate? My husband and I  struggle to save money. We have taken the Dave Ramsey course–Financial Peace University–our antelope has broken legs. Dave teaches that we should all have $1,000.00 emergency fund. Typically, when we can get a nice sum saved something happens. A car needs big repairs, an appliance goes on the fritz, or my husband’s commission check goes up in smoke.Our savings account may be bare, but we do manage to find ways to save money. It allows us to treat ourselves to a movie, or a nice meal in a restaurant.

I recall in my youth, our family would spend Sunday dinners seated around my Grandma Quigley’s big dining room table. My mother and I still marvel over how she fed all those family members with the meager salary my Grandpa brought home. Grandma sure knew how to make the food stretch, and I think she passed that gene onto me.

When my darling husband complains about spending too much at the grocery store I know it’s time to go back to my habit of making menus. It is a time-consuming task, but someone has to do it.

The family helps by giving meal suggestions. I take a blank calendar to give each day a meal. Then I pull out my box of recipes and begin making a list. I make columns for my list–one for meat, one for dairy, canned goods, produce, etc. Once I have my list done,   I make sure to have a quarter, and my own shopping bags for a visit to Aldi’s. The quarter is used to rent a shopping cart. You bag your own groceries. I usually buy all my produce, dairy, and canned goods here.

Next, is a stop at Sam’s Club. Here is where I purchase meats  in bulk, frozen vegetables, and frozen items the teenagers will eat for their lunches. After this trip, I spend a bit of time separating the meat to freeze. For instance, I buy a very large tube of ground beef and separate it into one pound zip lock bags for future use.

The plan is not to go back to the store for the month, unless it’s absolutely necessary. I will need to replenish paper goods, bread, and milk.  I try to restrain myself from buying anything else. Do I save money? Every time I go to the store without a plan, I spend $20.00 to $30.00 more. So, yes. I think I do save money.

I remember a time when we had no money for food, days away from a pay check. I took every leftover we had in the refrigerator and mixed it together, tossed cheese on top, and baked it. It was actually pretty good! My kids also know what happens when I tell them it’s the “end of the month slump”. That means beans and rice for a few days.

Click to tweet: Our savings may be bare, but we do find ways to save money.

Writing Prompt: Share your favorite money-saving trick when you go to the grocery store. Consider adding it to a story you’re working on.

2 thoughts on “Makes Cents to Me!

  1. My husband and I work better with a list for the grocery store. However, we always seem to put something extra in the cart. We save money by using paper coupons and the store digital coupons. Also, Kroger offers a Free Friday download every Friday. Every penny saved is a great thing for us. 🙂

  2. Making shopping lists is critical for me. My mom taught me that when I was a little girl. Every time I’ve gone to the store without one, I’ve bought things I didn’t need (not realizing I already had some) and have spent more than I would have otherwise.

    I also follow Dave Ramsey’s advice of having cash envelopes for my expenses (except gas). It’s amazing how much less we spend when we have to pay cash. Some people would sat it’s just psychological, but that’s the whole point. We operate out of our psyche, which is why it works!

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