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HomeBudgetLower Meals Prices with Our Grocery Planner Templates

Lower Meals Prices with Our Grocery Planner Templates

Grocery buying on a funds is one among budgeting’s biggest challenges—particularly as costs proceed to rise. Get organized and minimize prices with our free worth tracker and grocery planner templates.

Groceries have been a sore spot in my funds for years, and because the deadline approaches for assembly one among my private monetary objectives, I made a decision to actually give attention to this steadily fluctuating expense in order that I may funnel my financial savings in the direction of one thing that issues extra to me proper now. 

It’s taken a whole lot of trial and error, however over the past yr and a half, I really feel like I’ve lastly dialed it in. I’m going to share some numbers and techniques, however please take note: Grocery costs differ wildly throughout america and past. What I share here’s what works for me in Maine. If I lived in NYC or Seattle or principally wherever else, costs would most positively be completely different. My grocery invoice could be larger in some locations and decrease in others.

That’s why I don’t spend a whole lot of time evaluating my grocery funds to others. I give attention to my common since that’s an actual quantity that I can management. However with that being mentioned, implementing a couple of of those methods and placing our free worth tracker, kitchen stock, and meal planning printables (see beneath!) to make use of will help cut back your meals funds, too. 

Additionally, for readability’s sake, grocery spending for me contains all the things I purchase on the grocery retailer except for pet meals, which I observe individually. (I’ve three cats and a canine, so I actually need to know what they value me so I can put together appropriately.) Some folks select to listing their family items like cleansing provides or paper towels right into a separate funds class. Do no matter works for you! 

Grocery Spending Historical past (it’s some huge cash)

Alrighty then, with that out of the way in which, let’s have a look at a few of my grocery spending historical past. Being the funds nerd that I’m, I’ve information going again to December of 2016. (To be truthful, YNAB, my budgeting app, tracks this for me—managing this data alone for this lengthy would put me in a complete completely different class of budgeting glory.) 

A graph of spending data which shows that groceries averaged $261.38 per month in Erin's budget.
YNAB’s Spending Developments report reveals how a lot groceries have value via the years.

Can we simply cease for a second and have a look at that complete? I imply—wow. Over the previous 6+ years I’ve spent over $17,000 on groceries. As one particular person. That simply blows my thoughts. Oh, and that massive spike within the center? That was my “Oh my gosh there’s a pandemic I must go purchase all of the issues!!!” buying month. The spike a couple of months later? I used to be sick that month and actually wanted popsicle provide. Simply sayin’. Our funds tells the story of our lives. 

My month-to-month common over that point was $261.38. I’m buying only for me, and like I mentioned it contains non-food objects like shampoo, paper towels, cleansing provides—you get the concept. So actually, that’s not too dangerous. 

However over the previous few years, I began to actually really feel that I may do higher and unencumber more cash. So I made a decision to intention for spending $200 a month on grocery objects. To be completely trustworthy, I wasn’t positive I may do it. However setting my objective uncomfortably low pressured me to concentrate to my grocery spending in a means I hadn’t for some time. 

Seems I geek out on these items, so I made vital progress. 

Right here’s my grocery spending for 2021:

A graph showing that grocery shopping on a budget is paying off, with an average cost of $211.39 per month.

I used to be fairly dang near $200! I used to be actually happy with this. 

Then 2022 hit and meals costs have been on the rise. Truthfully, it didn’t have an effect on me at first (extra on that in a bit), however I’m feeling it now. However it’s making me shake my fist on the sky and say, “I can’t be deterred! I’ll keep at $200 a month for 2022! I can do that!” 

(Generally having a cussed aggressive streak is an asset!)

Tips on how to Scale back Your Grocery Funds 

Relating to grocery buying on a funds, it’s a must to determine which lever is extra essential to you: time or cash.

Right here’s what I imply by that: Proper now, I’m keen to spend extra time (worth buying, cooking, and so forth) with a view to decrease my prices. Time is one thing I’ve and I take pleasure in engaged on this. Nonetheless, my good friend and colleague Ernie has three teenage boys. Time is treasured to him. So he’s keen to spend more cash on groceries if it frees up time in his life. 

The place I’m keen to drive to some completely different shops to get one of the best costs, Ernie’s philosophy is “I’m going to position the order on-line and simply do curbside choose up and increase—I’ve bought my Saturday again.” (Sidenote: On-line ordering can be a good way to curb impulse shopping for.) 

I respect that. I’d most likely really feel the identical means if I had three youngsters. 

So I absolutely anticipate some folks studying this can be in Ernie’s camp and that’s A-OK. However for those who’re keen to place a while in, I’m your lady—and there’s rather a lot you are able to do to decrease your grocery spending.

Methods to Save Cash

In case you’re keen to spend a little bit time to economize, attempt incorporating the next suggestions, tips, and strategies into your buying, planning, and eating routines:

Obtain Our Grocery Planner Templates

There are such a lot of instruments accessible to assist manage buying and meal instances that it’s virtually overwhelming, which is why we tried to consolidate all the things you want into one useful PDF useful resource that’s each editable and printable.

A pantry inventory page from our grocery planner templates workbook.
Right here’s a sneak peek on the first web page of the Pantry Stock in our Grocery Planner templates workbook.

Our free Grocery Planner templates embrace a pantry stock with areas for a restocking listing, meal concepts, and an avocado ripeness tracker (as a result of not ripe, not ripe, not ripe, rotten appear to be the phases of avocado existence), a fridge and freezer stock, and a weekly meal planning template. Hit the button beneath and obtain it to get began.

Free Grocery Planner Templates

Know Your Costs

I’ve three grocery shops I am going to often which are near me. I believed I knew the costs, however I wished to make certain. I’ve longed for an app that may observe costs throughout the shops the way in which I need it to, however I haven’t had a lot luck discovering one. So I constructed a worth tracker in Google Sheets. It was eye opening to say the least!

Seize your self a replica of my worth tracker right here for those who’re . (Finest utilized by spreadsheet nerds). 

To make a replica, go to “File” and “Make a replica.” Principally, every row is an merchandise, and once you enter the costs for that row/merchandise, the cell with the bottom worth turns inexperienced. 

The value variations between my shops had been stunning to me—I can’t stress that sufficient. Sure, it was work to construct it out, however now retaining it up to date takes a couple of minutes right here and there once I sit right down to construct a buying listing. Costs for many shops can be found on-line, which makes it a bit simpler, so evaluate between Walmart, Aldi, Amazon, and your native grocery shops. And also you don’t must do it multi functional sitting. First, construct your grocery listing of things you often purchase. Then seize the costs for one retailer, then the following retailer one other time.

The opposite factor about taking note of costs on this means is I do know deal once I see one.

Preserve a Properly-Stocked Pantry

I bought higher at this in the course of the pandemic and now I’m a professional. I may simply go two weeks with out buying with out blinking a watch. Apart from that benefit, I may also whip up any variety of meals that I do know I’ll take pleasure in in a short time.

Our Grocery Planner templates embrace a listing listing on your pantry, fridge, and freezer, and a meal planning template, so make sure you obtain that and also you’ll all the time know what to refill on. 

This additionally helps restrict journeys to the grocery retailer—the extra journeys I make, the extra I are inclined to spend. Try this weblog publish about learn how to go grocery buying as soon as a month

Deal with Your Common

As I discussed above, I keep watch over my common. I’m not fearful about spending the very same quantity each month. Some months I run above $200 if I come throughout some nice offers and need to refill. When that occurs a couple of months in a row, I do know there’s meals accessible, so I prepare dinner from the pantry and freezer to deliver down the common.

Recent produce is essential to me, so in months the place I’m attempting to spend much less, that’s the place I proceed to splurge. Having recent vegetables and fruit readily available makes it simpler for me to make wholesome meals. 

Purchase Generics (Retailer Manufacturers)

Mindy over at See Mindy Mother did a fascinating evaluation of manufacturers versus generics. I largely purchase retailer manufacturers, with a couple of exceptions, so I used to be already doing this, however I had no concept how a lot cash it saved. In case you aren’t doing this, it’s price attempting. And for those who discover a retailer model of one thing you hate, effectively at the very least now you already know and you’ll return to the name-brand stuff guilt-free.

(Mindy is a good useful resource for funds household meals. 10 out of 10 would advocate her channel.)

Meal Plan 

That is price your time and it doesn’t should be tremendous fancy. You don’t want to determine each snack for each day. You simply want a framework. 

I do that on the weekend and prepare dinner a couple of greater issues that I can reheat over the course of the week. Right here’s a typical weekly menu for me.


  • In a single day Oats with Strawberries and Blueberries
  • Scrambled Eggs with Oven Baked Residence Fries


  • Egg Salad Sandwiches (typically with do-it-yourself bread)
  • Tossed Salads. I make up a couple of half dozen of those and retailer them in particular person glass containers. I simply pull one out every day—increase—completed.


  • Taco Soup
  • Inexperienced Chili Rooster Enchiladas


  • Fruit
  • Popcorn
  • Tortilla Chips with do-it-yourself salsa

That’s only one week, nevertheless it’s sufficient to maintain me completely satisfied and assist me keep away from take out. Use the meal planning template in our free printable to give you a straightforward meal plan of your individual. And take a look at this weblog publish on meal planning myths—it doesn’t must be tough or time consuming! 

Ten Go-Tos

One option to preserve meal planning manageable is to determine what your high ten meals are; select issues which are simple to make and budget-friendly. Right here’s my listing:

  1. Home made Pizza. I make this in a forged iron skillet. I make wonderful do-it-yourself pizza. It’s my superpower.
  2. Taco Soup (as talked about above)
  3. Burrito Bowls
  4. Home made Rooster/Turkey Pot Pie
  5. Roasted Veggies with Grilled Rooster Breasts
  6. English Muffin Pizzas—a little bit of an emergency meal for me. (Thanks Dad!)
  7. Baked Beans and Potato Salad
  8. Corn Chowder
  9. Home made Focaccia with Roasted Veggies
  10. Candy Chili Rooster Bowls

Want some low-cost and simple meal concepts? We’ve bought you coated.  

Eat What You Purchase

I’m satisfied all of us throw away an excessive amount of meals, myself included. (What number of instances have these recent greens was a mushy mess?) So my newest objective has been to complete what’s within the fridge earlier than making one thing else. Generally which means getting a little bit artistic, like turning that previously recent produce right into a smoothie. 

I additionally make an effort to not make an excessive amount of of anyone meal, and if I do make an enormous batch of one thing, I’ll throw half within the freezer straight away. 

Purchase Substances, Not Processed Meals

You gained’t see a whole lot of processed stuff in my cabinets. For probably the most half, I purchase components and use what I purchase throughout a number of recipes. There’s typically a mindset that for those who’re spending too little on meals, you may’t be maintaining a healthy diet meals. I’ve not discovered that to be true. If I purchased all natural from the native farmer’s market, yeah that may value extra. (And if that’s essential to you—go for it!) 

However there’s simply no query that cooking from scratch saves cash. And the psychological overhead of making ready a meal lessens as your expertise and habits get higher.

If you’d like assist studying to prepare dinner there are many channels on YouTube that may allow you to. Simply search round. I discussed See Mindy Mother; I additionally like Meals with Maria and Frugal Match Mother. All three are nice for those who simply need to binge watch to get concepts.

How I Combat Leftover Fatigue

Relating to leftovers, the battle is actual. I imply I loooove taco soup, however I don’t need to eat it each day for every week. That simply doesn’t work for me. The lengthy standing suggestion is to freeze half for later, and that works for some issues, however not a lot for others. 

I additionally wish to prepare dinner extra typically, so recently I’ve additionally been doing the alternative: I prepare dinner a half batch as a substitute of a full batch. This offers me much less to eat via, saves freezer house, and I get to attempt extra issues. 

You probably have an enormous household, this may increasingly not work as effectively for you so get within the behavior of dividing massive batches into smaller parts and perfecting your freezing routine. 

All of this may appear to be a whole lot of work, however you construct habits as you go. Make it extra manageable by selecting one space to enhance on first—begin evaluating costs, take stock of what you’ve got, create a listing of your 10 Go-To Meals, or work on a meal plan. 

Similar to you may select which financial savings lever to tug (time or cash), you may as well select your individual tempo for revamping your grocery spending. Possibly you’re prepared for a 100-yard sprint to the end line of frugality with an entire overhaul of your meal planning and buying. Maybe you’re a protracted distance marathon runner who must meander via Complete Meals a couple of extra instances. Any enchancment is an enchancment and saving in your grocery funds will help you’re employed in the direction of reaching monetary objectives that matter extra to you. 

So that you’ve downloaded our free Grocery Planner templates however have you ever began a funds? Strive YNAB without cost for 34 days and revel in much less cash stress with a monetary planning software that places your cash to be just right for you. 



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