If you try hard to stick to your budget, you know that food makes up a large portion of monthly spending. Grocery prices seem to be on the rise most of the time, and it can be hard to stick to your spending limit. However, if you are careful, you can find ways that the grocery stores actually help you to save time and money with your food shopping! Here are a few that we have found:
Does your favorite grocery store have a rewards card? If it does, it more than likely will also have digital coupons. These are easier than regular coupons because you don’t have to spend time cutting them out, plus they often coincide with the sales at that particular store. This makes it easier and faster for you to save money for things you need.
Many stores will have “super sales” where, for a couple of days only, some items are extremely discounted. This often goes along with coupons on your rewards card or even upcoming holidays. Keep your eyes peeled each week for the sale paper from all of the local stores and make a list of items that are on super sale that you may need. When you get to the sale, stock up on those items for 6 weeks. That is how long it usually takes for the sale to cycle back around. It’s also a good idea to plan your meals around the sales to get the most bang for your buck.
Delivery & Pickup
Lately more and more grocery stores have introduced wonderful time-saving services such as grocery delivery and grocery pickup. If you are short on time, then these services are for you! You order your groceries online with these services so it automatically helps you stick to your budget because you aren’t tempted to buy things that aren’t on your list. Plus, a running total is kept on the screen to help you see if you are going over budget. If you see you are spending too much, just delete items out of your cart. If you are on strict budget or short on time, check to see if your local stores have any of these services to keep you on track.
So you see, the stores actually make it easier for you to shop if you take advantage of all they have to offer! Use those coupons, shop the sales and do it quickly with their services, and you will definitely have the tools you need to stick to your grocery budget each and every week.
Money can often be a sore subject in many relationships. Whether you have been married one year or 50 years, you know that you need to be on the same page with your spouse financially to avoid money arguments. Here are a few tips on how you can help keep your married life and financial life on track together.
One key point to keeping money arguments at bay is to always make major financial decisions together. This includes deciding on a budget and making major purchases. Before you make any substantial money decisions, always ask yourself if you would be mad if your partner made that decision before talking to you. If the answer is yes, have a discussion first. When you work together as a couple, you will not have to worry about pesky little arguments over money issues.
To stay on the same page financially, it’s wise to have a monthly money meeting with your spouse. This is a time for you to lay it all out on the table and talk things over like what your budget will be for the month, any special expenses expected and how much money you have in all of your accounts. That way you and your spouse will always be in the loop on what is going on financially in your life. Being on the same page always makes a relationship much easier.
Share and Track
Along the same lines as meeting together monthly, it’s always a good idea to share anything financial that may come up in between meetings. Talk about things you want to purchase and any unexpected expenses that pop up during the month. Also, make sure you both track your expenses the same way. This will solve any confusion that may come about or any misunderstandings. Decide together on the best way to track for your financial situation, and stick with it.
All of these points have one underlying theme to them–communication. When you communicate with your partner about money, you are less likely to have arguments that lead to unhappy marriage situations.
If things didn’t go so well for you finance-wise in 2018 (or even if it did), you can turn it around with the new year. The beginning of a new year is always a great time to think about your money in a new light. Here are some tips to help you get started moving toward a financially healthy 2019.
A new year is always a great time to take an inventory of the state of your finances from the past year. What worked for you? What didn’t work? Look at every aspect of your budget, accounts, debt (if you have any) and your 2018 goals and see where you stand in each category. From there, you can formulate plans for 2019 to stay on track.
Check Credit Report
The beginning of the year is a great time to check your credit report. Checking it the same time each year can be a great reminder to see where you stand with your credit. Depending on what you find, you can use that information to help make goals and plans for your finances for the year.
Write and Post Your Goals
We’ve talked about the importance of setting attainable goals before. However, it’s equally important that you write them down and put them somewhere where you can see them regularly. This will keep your mind on the goal and help you to not get off track.
These are just suggestions on how to get your year started on the right foot financially. Even if you are far from where you need to be with your money, the first step to success is recognizing where you are and finding the starting point to help you go forward.
Learn about how WCU is SERVING MEMBERS during this pandemic.