See rates and fees Terms apply. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits or at Amazon. If you buy groceries online, the Chase Sapphire Preferred may be a great option.

It offers 3X points on online grocery purchases excluding Target®, Walmart® and wholesale clubs , along with discounts and credits on Instacart. This means you'll effectively earn 3. You could potentially get even greater value if you take advantage of Chase's various airline and hotel transfer partners to book trips.

Read our Chase Sapphire Preferred® Card review. Most grocery stores offer loyalty programs that are free to join. By signing up, you can benefit from member-only discounts that automatically deduct at checkout — without the need to clip coupons.

After you've signed up for your favorite grocery store's loyalty program, maximize your savings by clipping coupons for additional discounts.

Look out for the weekly circular in the mail and sift through the pages for deals that matter to you. Cut out any coupons and save them for your next grocery run.

There are also digital options that are just as easy to use, if not easier. Download your favorite grocery store's mobile app, browse available discounts and click to load coupons onto your digital loyalty card. Then when you checkout in-store, the discounts will automatically be applied.

Wholesale clubs like Costco can help you rack up savings for buying in bulk. If you have a large family, joining a wholesale club can be a good idea.

This may not be an option depending on your cash flow. Also, note that clubs come with membership fees. The cost can be worthwhile if you frequently stock up on items. Plus you can optimize savings by using the Costco Anywhere Visa® Card by Citi which has no annual fee, but requires an active Costco membership.

Read our review of the Costco Anywhere Visa Card. You may also want to consider eating first or leaving the kids at home to avoid spur-of-the-moment items. Supermarkets are always running various promotions that can help you save on everything from staples, like milk and eggs, to sweets, like ice cream and cookies.

Consider buying items on sale whenever possible, especially if the cost is normally high. Sale items are often displayed in prominent locations throughout the store, such as at the entrance and ends of the aisles. While buying pre-cut veggies or pre-shredded cheese can save you time while cooking, stores often charge more for the convenience.

Opt for whole items, like fresh or frozen veggies and block cheese, to save money. If you live near various grocery stores, consider shopping at a few and comparing prices.

You can learn which store has the items you need for less and also look at the sales they run. If you currently shop at a high-end grocery store, consider switching to a store that's known for more affordable food prices like Walmart, Aldi or Trader Joe's. Supermarkets put costly, name-brand items at eye level, which can tempt you to spend more money on high-cost items.

Next time you go shopping, opt for a generic brand to save money. If you bring reusable shopping bags to the store, you can often receive a discount on your order total. Depending on your city and state, stores like Target and Whole Foods Market can give you up to a cent discount per bag you bring.

There are a handful of rebate apps, such as Ibotta and Rakuten , that give you cash back for buying groceries. You can register for free with one of these services to save more on top of loyalty benefits and credit card rewards.

Depending on the app, you may need to link a loyalty card or submit receipts to receive a rebate. While inflation is slowing down, grocery prices continue to be high as a result of supply chain shortages and post-pandemic consumer demand.

Aldi is the most budget-friendly grocery store in America, according to a February study by Marketforce. Aldi is in 39 states and will be the country's 3rd largest grocery retailer by the end of Check out the USDA's Official Food Plans for more tailored information.

Traditional Medicare does not offer a grocery allowance. However, some Medicare Advantage plans, like some Special Needs Plans SNPs , do. Reach out to your provider to understand your benefits. Groceries can take up a sizeable portion of your budget, especially in times of high inflation.

Fortunately, by maximizing discounts and other opportunities to save, you can offset these costs. It also helps if you have a credit card that earns a high rewards rate on grocery purchases.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.

To avoid overspending, stick to your list and resist the urge to throw unnecessary items into your cart.

Additionally, shopping on a full stomach can help curb impulsive purchases. Another helpful tip is to set a grocery budget and bring only the amount of cash you plan to spend. This way, you won't be tempted to go over your budget by using credit cards or debit cards. Meal prepping is a time-saving technique that can also help you save money.

By cooking and portioning meals in advance , you can limit food waste and ensure that all ingredients are utilized effectively. When meal prepping, consider using ingredients that can be used in multiple meals.

For example, if you're cooking chicken for one meal, cook extra to use in salads or sandwiches throughout the week. This way, you can make the most out of your ingredients and reduce the need to buy additional items. To create a grocery list that saves money, focus on buying versatile ingredients that can be used in multiple meals.

Consider buying in bulk for non-perishable items and take advantage of sales and discounts whenever possible. When making your grocery list, prioritize essential items such as fruits, vegetables, grains, and proteins.

Look for seasonal produce, as they are often more affordable and fresher. Additionally, consider substituting expensive ingredients with more affordable alternatives without compromising taste or nutrition.

By following these strategies and making informed choices, you can create a grocery list that not only saves you money but also ensures that you have all the necessary ingredients to prepare delicious and nutritious meals at home.

Grocery store sales, discounts, and seasonal pricing play a significant role in saving money on groceries. Being aware of these factors can help you maximize your savings and make the most out of your budget.

When it comes to grocery shopping, every penny counts. That's why understanding the ins and outs of sales, discounts, and seasonal pricing is crucial.

By taking advantage of these strategies, you can stretch your budget further and enjoy more for less. Grocery stores frequently offer sales and promotions on various products. Keep an eye on weekly ads and take advantage of these deals when planning your shopping trips.

However, be cautious of buying items you don't genuinely need just because they are on sale. It's easy to get caught up in the excitement of a sale, but it's essential to stay focused on your shopping list. Before heading to the store, take a few minutes to review the sales and promotions.

Identify the items you regularly use and determine if the discounted price is worth stocking up on. Remember, buying in bulk can save you money in the long run, but only if it's something you will actually use. Another tip for navigating grocery store sales is to compare prices across different stores.

While one store may have a particular item on sale, another store might have a better deal on a similar product. By doing a quick comparison, you can ensure you're getting the best price possible.

Seasonal produce is not only fresher and tastier but also more affordable. Find out which fruits and vegetables are in season and incorporate them into your meal planning. Not only will you enjoy more flavorful meals, but you'll also save money in the process.

When fruits and vegetables are in season, they are abundant, which leads to lower prices. Farmers and grocery stores often offer discounts on seasonal produce to encourage customers to buy. Take advantage of these lower prices to stock up on your favorite fruits and vegetables.

In addition to being cost-effective, seasonal produce is also more nutritious. Fruits and vegetables that are in season are picked at their peak ripeness, meaning they contain more vitamins and minerals.

By incorporating seasonal produce into your meals, you're not only saving money but also nourishing your body with the best nature has to offer. Many grocery stores offer loyalty programs and memberships that provide exclusive discounts and rewards. Take advantage of these programs to further reduce your grocery expenses.

Additionally, some stores offer special discounts for specific groups like students, seniors, or military personnel. Signing up for a loyalty program or store membership is a simple way to unlock additional savings.

These programs often offer exclusive discounts, personalized coupons, and even cashback rewards. By swiping your loyalty card or scanning your membership barcode at the checkout, you can enjoy instant savings on your grocery bill. Keep an eye out for special promotions and events exclusively available to loyalty program members.

Some stores offer double or triple points on certain days, allowing you to accumulate rewards faster. Others may host member-only sales, giving you access to even more significant discounts.

Comparing prices is an essential skill for budget-friendly shopping. Dedicate time to research and compare the prices of common grocery items across different stores.

Take note of the unit prices to identify the best bargains and don't forget to factor in the quality of the products. When comparing prices, it's crucial to consider the overall value of the product. A lower price doesn't always mean a better deal if the quality is compromised.

Pay attention to the brand, ingredients, and nutritional information to ensure you're getting the best bang for your buck. Keep an eye out for special promotions like buy-one-get-one-free BOGO offers or discounts on bulk purchases. These deals can significantly reduce your grocery expenses, especially for non-perishable items or products you use frequently.

Being a savvy shopper goes beyond just looking at the price tag. Take into account factors such as the product's shelf life, your personal preferences, and any additional benefits or rewards associated with the purchase.

Bulk buying and choosing the right store are strategic decisions that can significantly impact your grocery budget. By knowing when to buy in bulk and selecting the best store for your needs, you can optimize your savings and make your money go further.

When it comes to managing your grocery budget, there are several factors to consider. One important aspect is understanding when to buy in bulk. Buying in bulk can be cost-effective for certain items, such as non-perishable goods or items you frequently use.

The idea behind bulk buying is to take advantage of lower unit prices and stock up on items that have a longer shelf life. However, before making bulk purchases, it is essential to assess your needs and storage capacity. Buying more than you can consume or store may result in waste and unnecessary expenses.

It's crucial to strike a balance between cost and need. In addition to knowing when to buy in bulk, choosing the right store for your budget is equally important. Not all grocery stores are created equal, and finding the right store for your budget can make a significant difference in your savings.

When selecting a store, it's essential to compare prices, quality, and available discounts. Look for stores that offer the best value for your money. Consider exploring local markets as they often have competitive prices and fresh products.

Supporting local businesses can also have a positive impact on your community. Buying in bulk can be an excellent way to save money on certain items. However, it's crucial to strike a balance between cost and need. While purchasing items in larger quantities can lead to lower unit prices, it's essential to consider your consumption rate and storage capacity.

Before making bulk purchases, ask yourself if you will be able to use all the items before they expire or go bad. It's also important to evaluate whether you have enough space to store bulk items. If you buy more than you can consume or store, you may end up wasting food and money. When it comes to non-perishable goods or items you frequently use, buying in bulk can be a smart decision.

It allows you to stock up on essentials and save money in the long run. However, for perishable items or products with a shorter shelf life, it's best to buy smaller quantities to avoid waste.

By carefully considering your needs and storage capacity, you can make informed decisions about when to buy in bulk. Choosing the right store for your grocery shopping is a crucial step in optimizing your savings. With so many options available, it's important to compare prices, quality, and available discounts to find the best value for your money.

Supermarkets are a common choice for many people due to their convenience and wide range of products. They often offer regular discounts and promotions, allowing you to save money on your grocery purchases.

However, it's important to keep in mind that not all supermarkets are equal. Some may have higher prices compared to others, so it's worth doing some research and price comparisons before making your decision.

Local markets are another option to consider when choosing a store for your grocery shopping. They often offer fresh produce at competitive prices. By supporting local farmers and businesses, you not only get access to quality products but also contribute to the local economy.

Local markets may have a more limited selection compared to supermarkets, but they can be a great choice for those looking for fresh and affordable options. Wholesale clubs like Costco or Sam's Club are known for offering significant savings on certain items when bought in bulk. These clubs often require a membership fee, which can be a deterrent for some shoppers.

However, if you frequently use the items available at wholesale clubs and have enough storage space, the savings can outweigh the membership fee. One advantage of wholesale clubs is the ability to buy in bulk, which can lead to substantial savings over time.

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