How to save money on groceries with 13 budget-saving hacks

How to save money on groceries became a personal mission for me after realizing I was spending over $600 a month on food for a two-person household, far above the national average. 

According to the U.S. Department of Agriculture (USDA), a moderate grocery budget for two adults is around $550/month (2024 data), yet many of us unknowingly exceed this due to impulse buys, lack of planning, and food waste.

At H2T Funding, we’ve worked with dozens of families who’ve cut grocery expenses by up to 25% just by applying a few smart shopping strategies. In this guide, we’re sharing 13 practical, real-life hacks that help you take control of your food spending while still enjoying delicious, nutritious meals.

1. Why are grocery costs rising?

Grocery prices have surged significantly in recent years, impacting household budgets worldwide. Understanding the reasons behind these increases helps shoppers adopt smart strategies to manage costs effectively. Below are the key factors driving higher grocery prices, along with why strategic shopping is essential for stretching your budget.

• Inflation and rising input costs: Inflation has driven up costs for agricultural inputs like fertilizer, fuel, and labor, increasing food production expenses. Since 2019, food prices in the U.S. have risen 31%, outpacing general inflation at 19%. These costs are often passed to consumers, making groceries pricier. 
• Supply chain disruptions: Global events like the COVID-19 pandemic and the Russia-Ukraine war have disrupted supply chains, causing shortages of goods like wheat, and oil. Port delays and transportation bottlenecks further raise costs.
• Extreme weather and climate impacts: Droughts, floods, and heat waves have reduced crop yields, particularly for fruits, vegetables, and grains. A U.S. drought in 2022 and erratic monsoons in India spiked prices for sugar and produce. Opting for frozen or seasonal produce can reduce costs while maintaining quality.
• Energy price hikes: Higher fuel costs increase transportation and production expenses, impacting food prices. For instance, diesel prices rose from $3.06/gallon in 2019 to $3.55 in 2024. 

By understanding these factors, shoppers can adopt how to save money on groceries, and strategies as meal planning, using rebate apps, or shopping at discount stores to control costs. Smart shopping empowers consumers to navigate rising prices while maintaining a balanced diet and budget.

2. 13 Top strategies: How to save money on groceries

Looking for how to save money on groceries without sacrificing quality or variety? You’re not alone. With rising food prices impacting households everywhere, finding practical ways to cut grocery costs has become essential. In this guide, I will explore 13 top strategies that can help you stretch your budget while still filling your cart with the essentials, and a few treats, too.

2.1. Plan your meals and create a shopping list

Meal planning is the foundation of budget-friendly shopping, helping you avoid costly impulse buys. A well-crafted list ensures you purchase only what you need for the week. Checking your pantry first maximizes savings by using what you already have.

• Benefits of meal planning: Planning meals cuts impulse purchases by up to 23%, saving money and reducing waste. It helps you focus on recipes using affordable, in-season ingredients. Weekly menus prevent reliance on expensive takeout. Apps like Mealime simplify the process.
• Creating a detailed grocery List: Build your list around weekly recipes, prioritizing sale items and staples. Group items by store aisle for efficiency and include exact quantities. Use apps like AnyList to stay organized and avoid overbuying. Share lists with family for coordination.
• Review pantry inventory: Check your pantry, fridge, and freezer before shopping to avoid duplicates. Use existing ingredients to inspire meals, reducing unnecessary purchases. Apps like Supercook generate recipes based on current stock. This step saves time and money.

2.2. Stick to your grocery list

Discipline is key to avoiding unplanned purchases that inflate your grocery bill. Retailers design stores to tempt you with extras, but a list keeps you focused. Use simple tactics to stay on track and shop within your budget.

• Importance of discipline: Sticking to a list prevents grabbing costly items like snacks or pre-packaged foods. It ensures you stay within your budget, saving 10-15% per trip. Retailers place pricier items at eye level to lure you. A list helps you resist these tactics.
• Tips for staying focused: Set a budget before shopping and use cash to limit spending. Avoid aisles with non-essential items like candy or gadgets. Shop during quieter hours to reduce distractions. Apps like Out of Milk can send reminders to stick to your list.

2.3. Shop with a grocery rewards card

Grocery rewards cards offer cashback or points, turning everyday purchases into savings. They provide instant discounts or rewards for future use, but choosing the right card matters. Weigh the benefits against potential drawbacks to maximize value.

• How rewards cards work: Cards like the Blue Cash Preferred® Card offer up to 6% cashback on groceries (up to $6,000/year). Store-specific cards provide discounts or fuel points at chains like Kroger. Rewards accumulate for statement credits or gift cards. Always pay off balances to avoid interest.
• Popular cards: The Citi Double Cash® Card gives 2% cashback (1% on purchase, 1% on payment). Store cards from Walmart or Target offer exclusive deals. Check for no-annual-fee options to save more. Compare cards to match your shopping habits.
• Pros and cons: Pros include cashback, discounts, and fuel rewards; cons include annual fees or high interest if unpaid. Pay balances monthly to avoid negating savings. Be cautious of overspending to chase rewards. Choose cards with rewards that align with your grocery budget.

2.4. Use coupons and rebate apps

Coupons and rebate apps unlock instant or post-purchase savings, reducing your grocery bill significantly. Digital tools make finding and using them easier than ever. Combine these with sales for maximum impact.

• Finding and using coupons: Digital coupons on store apps like Kroger or Safeway apply at checkout. Websites like Coupons.com offer printable or digital options for specific brands. Check Sunday mailers for traditional coupons. Always match coupons to items you need.
• Recommended rebate apps: Ibotta offers cashback on groceries after uploading receipts, with $10-20 monthly savings. Fetch Rewards gives points for any receipt, redeemable for gift cards. Rakuten provides cashback for online grocery purchases. Download multiple apps for flexibility.
• Combining coupons with sales: Stack digital coupons with store sales for up to 50% savings on select items. Check apps like Flipp for weekly deals to plan purchases. Avoid buying items just for rebates. Focus on essentials to ensure true savings.

2.5. Buy generic or store brands

Generic brands offer significant savings without sacrificing quality, often costing 20-40% less than name brands. They’re ideal for staples and everyday items. Testing them ensures you find reliable options for your household.

• Cost savings: Generic brands save 20-40% on items like canned goods, pasta, or spices. For example, store-brand cereal can cost $2 less per box than name brands. Quality is often comparable, as many are made in the same facilities. Savings add up over time.
• Addressing quality concerns: Start with low-risk items like salt or flour to test quality. Read labels to compare ingredients with name brands. If unsatisfied, mix generics with trusted brands for balance. Most retailers offer money-back guarantees for store brands.
• Examples of generic items: Opt for store-brand canned vegetables, rice, or baking essentials. Chains like Aldi or Costco offer reliable generics like Kirkland Signature products. Try generics for snacks or cleaning supplies. Experiment to find your favorites.

2.6. Shop sales and seasonal items

Timing your shopping around sales and seasonal produce can slash your grocery bill. In-season items are cheaper and fresher, while sales offer deep discounts. Tracking store promotions ensures you maximize savings.

• Shop on sale days: Visit stores on new sales days (often Wednesdays or Thursdays) to catch deals before items sell out. Check weekly flyers or apps like Flipp for discounts. Stock up on non-perishables during major sales. Plan meals around discounted items.
• Benefits of seasonal produce: In-season fruits and vegetables, like summer tomatoes or fall apples, cost less due to local abundance. They’re fresher, tastier, and eco-friendly with lower transport costs. Buy extras for freezing to save year-round. Use seasonal guides for planning.
• Track sales cycles: Monitor store sales patterns (e.g., monthly meat discounts) using apps like Grocery King. Sign up for store newsletters for deal alerts. Visit farmers’ markets late in the day for discounted produce. Compare prices across local stores.

2.7. Buy in bulk wisely

Bulk buying can lower per-unit costs but risks waste if not planned carefully. It’s ideal for staples and large households with storage space. Checking unit prices ensures true savings.

• Pros and cons: Bulk purchases save 20-25% on items like rice or canned goods, but require upfront costs and storage. Overbuying perishables leads to waste, negating savings. It’s best for non-perishables or freezeable items. Avoid bulk if cash flow is tight.
• Recommended items: Buy staples like pasta, beans, or toilet paper in bulk at warehouse clubs like Costco. Split purchases with friends to manage quantities. Ensure you’ll use items before they expire. Bulk spices are often cheaper than small jars.
• Check unit prices: Compare unit prices (e.g., price per ounce) on shelf tags to confirm savings. Larger packages aren’t always cheaper; smaller ones may be on sale. Use a calculator app for quick comparisons. Avoid bulk buys for short-shelf-life items.

2.8. Avoid pre-packaged or convenience foods

Pre-packaged foods like chopped vegetables or meal kits inflate costs significantly. Preparing meals from scratch saves money and reduces waste. Simple recipes make this approach accessible.

• Higher costs: Pre-cut produce or meal kits can cost 2-3 times more than whole ingredients. For example, a 400g bag of carrot batons costs 79p vs. 33p for 500g whole carrots. Packaging adds to expenses and waste. Cooking at home is cheaper.
• Prepare from scratch: Buy whole vegetables, fruits, or bulk grains to save up to $100 monthly. Invest in tools like a food chopper to save time. Batch-prep ingredients for quick meals. Store leftovers properly to avoid spoilage.
• Budget-friendly recipes: Try one-pot chili (beans, tomatoes, ground beef) or vegetable stir-fry with rice. Use pantry staples like lentils or pasta for affordable casseroles. Online recipes from Budget Bytes offer cheap, tasty ideas. Prep in bulk for efficiency.

2.9. Shop at different stores for the best deals

Comparing prices across stores helps you snag the lowest costs for your groceries. Discount stores and online tools make it easier to save. Exploring multiple options maximizes value.

• Compare store prices: Check prices at supermarkets, Aldi, Lidl, or farmers’ markets for savings. Walmart and Target often match competitors’ prices if you show proof. Visit discount stores for staples like bread or canned goods. Plan routes to save gas.
• Use online tools: Apps like Flipp or Basket compare prices across local stores in real-time. Check store websites for digital coupons or weekly deals. Join loyalty programs for exclusive discounts. Price tracking saves 10-15% on frequent purchases.
• Benefits of discount stores: Aldi and Lidl offer up to 30% lower prices on generics and produce. Their streamlined inventory reduces costs without sacrificing quality. Farmers’ markets provide fresh, local deals late in the day. Combine stores for optimal savings.

2.10. Freeze and store food to reduce waste

Freezing leftovers and bulk items extends shelf life, cutting waste and costs. Proper storage keeps food fresh and usable. Batch cooking saves time and money.

• Save with freezing: Freezing sale-priced meat, produce, or leftovers saves $1,500 annually for a family of four. Buy seasonal berries or meat in bulk and freeze for later. Use freezer bags to portion items. Reduce trips to the store.
• Proper storage tips: Store food in airtight containers or vacuum-sealed bags to prevent freezer burn. Label items with dates to track freshness. Keep freezers at 0°F and fridges at 40°F. Use the USDA’s FoodKeeper app for storage guidelines.
• Batch cooking: Prepare large batches of soups, casseroles, or sauces and freeze in portions. Reheat for quick, cheap meals during busy weeks. 

2.11. Shop solo and avoid peak times

Shopping alone and during quieter hours minimizes distractions and impulse buys. A calm store environment allows for thoughtful decision-making, keeping your budget on track. This approach helps you stick to your list and avoid costly detours.

• Reducing impulse buys: Shopping solo prevents family members or kids from adding unplanned items like snacks to your cart. It helps you stay focused on your list, saving up to 15% per trip. Discuss needs with family beforehand to include their requests. This keeps everyone happy without extra costs.
• Off-Peak shopping: Shop early mornings or late evenings (e.g., after 8 p.m.) when stores are less crowded, like Tuesday evenings. A relaxed pace lets you compare prices and avoid rushed choices. Check store hours to find the quietest times. Less crowding means better focus.
• Calm environment benefits: A quieter store reduces stress, helping you make deliberate choices. You’re less likely to grab eye-level, pricier items in a rush. Take time to check unit prices or deals. A calm setting can cut impulse spending by 10%.

2.12. Don’t shop when hungry

Hunger can derail your budget by triggering cravings for expensive snacks. Eating before shopping keeps you focused on your list and financial goals. Simple discipline tactics ensure you avoid budget-busting impulse buys.

• Hunger and Impulse Purchases: Hunger increases impulse buys by up to 20%, as you’re drawn to high-calorie snacks or convenience foods. A 2018 study showed hungry shoppers prioritize cravings over nutrition. Eating a meal beforehand reduces this urge. Your wallet and diet benefit.
• Pre-Shopping Snack or Meal: Eat a protein-rich snack like yogurt or nuts before shopping to stabilize blood sugar. A full stomach curbs cravings for items like chips or candy. Plan shopping after meals, like post-breakfast. This keeps decision-making rational.
• Discipline Tips: Stick to a list and avoid snack aisles to minimize temptation. Set a timer for quick trips to stay focused. Use cash to limit spending to your budget. If tempted, wait until the next trip to reconsider purchases.

2.13. Consider online grocery shopping

Online shopping streamlines price comparisons and reduces in-store distractions. It offers exclusive deals and curbside pickup options to save time and money. Reviewing orders before checkout ensures you only buy essentials.

• Benefits of online shopping: Online platforms let you compare prices across brands easily, saving 10-15% on average. Fewer distractions reduce impulse buys compared to in-store shopping. Real-time cart totals help you stick to budgets. You can shop at your own pace.
• Online-exclusive deals: Services like Walmart or Kroger offer digital coupons and free pickup on minimum orders. First-time customer discounts can save $10-40 per order. Check platforms like Amazon Fresh for bulk deals. Always verify deals before adding items.
• Review orders before checkout: Double-check your online cart to remove unnecessary items, like suggested add-ons. Use stored lists to reorder staples, avoiding duplicates. Pause before confirming to ensure alignment with your meal plan. This step prevents overspending. 

See more related articles:

• 10 Best budgeting apps 2025 to save you thousands annually
• Meal planning to save money: a practical guide for smart shoppers
• 10 Real-life sinking fund examples to improve your budgeting

3. Additional tips for specific audiences

Different households have unique grocery needs, but smart strategies can help everyone save. Whether you’re feeding a large family, shopping for one, or buying online, these tips are tailored to cut costs effectively. Apply them to stretch your budget while enjoying nutritious meals.

3.1. Saving for large families

Large families face higher grocery bills, but strategic planning can keep costs down. Meal planning and bulk buying are key to feeding many without breaking the bank. Cost-effective recipes make it easier to satisfy everyone.

• Meal planning for large households: Plan weekly menus around sales and pantry staples to save 20-30% on groceries. Use apps like eMeals to create budget-friendly family meals. Involve family members to ensure everyone’s preferences are met. Double recipes for leftovers to reduce cooking time.
• Bulk buying tips: Buy non-perishables like rice, beans, or pasta in bulk at Costco or Sam’s Club for 15-25% savings. Freeze extra meat or produce from sales to avoid waste. Split bulk purchases with another family to manage quantities. Check unit prices to confirm deals.
• Cost-effective recipes: Make one-pot dishes like turkey chili or vegetable casserole to feed 6-8 people for under $15. Use affordable ingredients like lentils, potatoes, or canned tomatoes. Try Budget Bytes’ recipes for hearty soups or pasta bakes. Prep in bulk for multiple meals.

3.2. Saving for individuals

Solo shoppers can avoid waste by focusing on smaller portions and efficient meal prep. Single-serving meals keep costs low while maintaining variety. Smart buying habits ensure freshness without overspending.

• Buying smaller portions: Purchase single-serving items like individual yogurt or small produce packs to prevent spoilage. Shop bulk bins for exact amounts of grains or nuts, saving up to 20%. Check “seconds” produce at farmers’ markets for cheaper, smaller quantities. Avoid large packages that go unused.
• Single-serving meal prep ideas: Prep meals like overnight oats or mason jar salads for quick, $2-3 meals. Cook one chicken breast and pair with frozen veggies for 2-3 servings. Use MyPlate Kitchen for single-serving recipes like tuna wraps. Freeze extras in small portions for later.
• Reducing waste: Check your fridge before shopping to use existing ingredients first. Store leftovers in airtight containers to extend freshness. Plan 3-4 meals weekly to avoid overbuying perishables. Apps like My Fridge Food suggest recipes based on current stock.

4. How much should you spend on groceries?

For a single adult (19-50), monthly grocery costs range from $260 to $451, based on USDA’s March 2025 data, with men spending $287-$434 and women $256-$401. A family of four (two adults, two children ages 6-11) averages $996-$1,568, with thrifty plans at $996 and moderate at $1,360. These figures adjust for location and diet but exclude eating out.

Singles should aim for $250-$400 monthly, roughly 10-15% of income for median earners ($5,000/month). Couples can budget $530-$882, while families of four target $980-$1,360, per USDA guidelines. In high-cost areas like Hawaii, budgets may exceed $550 for singles; special diets add 10-20%. 

So, to save money on groceries, you can track your spending over 3-6 months by using apps like YNAB to find your baseline, then aim 5-10% below to save. Set a budget using the 50/30/20 rule, allocating 10-15% of income (e.g., $500 - $5,000 take-home) for groceries. 

Use cash or prepaid cards to limit overspending and shop at discount stores for 20-30% savings. Plan meals around sales, use apps like Ibotta for cashback, and freeze extras to reduce waste.

5. FAQs - Frequently Asked Questions

5.1. Which grocery stores are the most affordable?

Aldi leads as the cheapest grocery store, offering up to 30% savings over traditional supermarkets with private-label products and a no-frills experience. Lidl follows closely, with 20-25% lower prices, especially on produce and baked goods. Walmart provides 10-25% savings with a wide selection and price-matching policies. 

5.2. How can I save on groceries without sacrificing quality?

Choose generic or store brands, which cost 20-30% less than name brands while offering comparable quality, especially for staples like pasta or canned goods. Buy seasonal produce, like summer berries or fall squash, for fresher, cheaper options. Use apps like Ibotta for cashback and shop sales at discount stores like Aldi. These strategies ensure quality meals at lower costs.

5.3. What is a realistic grocery budget for a family?

A family of four should budget $996-$1,568 monthly, per USDA 2025 data, with thrifty plans at $996 and moderate at $1,360. Couples can aim for $530-$882, while larger families benefit from bulk buying, spending less per person. 

6. Conclusion

Learning how to save money on groceries is achievable with practical strategies like meal planning, choosing store brands, and shopping sales at stores like Aldi or Walmart. These tips help you cut costs without sacrificing nutrition or variety. Start small by making a list or using apps like Flipp to find deals. Consistent small changes lead to significant savings over time.

Explore more ways to stretch your budget and share your own grocery-saving tips. For additional financial advice, visit Strategies section on H2T Funding to discover budgeting tools and resources. Take control of your grocery spending today and keep your finances on track.