Excerpts

ONE Strategic Grocery Shopping Here is where I'll share how I went from "just getting groceries" and spending more than $500 a month to really saving money on my groceries and spending less than $300 a month. The strategies outlined in the following chapters all play an important role in making the most out of each trip to the grocery store and, of course, they are essential to making $5 Dinners. Before I get into the temptations and obstacles that are thrown my way every time I go to the store, I'd like to share with you what kind of shopper I used to be, and what kind of shopper I am now. Shopper Profiles I used to be the kind of shopper who just went to the store and did all that I could to keep the children entertained and happy. I paid little attention to what I added to the cart. I just wanted to make sure there would be enough food to last until the next week, when we'd load into the car and do it all over again. I was happy to see thesale tags on some of the products that I purchased each week, but did not seek out sale items or use coupons. Although I wouldn't call myself an "Impulse Shopper," I certainly wasn't being smart in my grocery spending. I knew that I could do better. I wanted to become a "Savvy Shopper." I wrote up a little quiz that will help you determine what kind of shopper you are. It's a quick ten questions that will help you think about your grocery shopping and spending habits. "WHAT KIND OF SHOPPER ARE YOU" QUIZ Answer the following questions to determine what kind of shopper you are: 1. When it comes to the grocery store circular, I... a. Don't know where to find it or when it comes out. b. Toss it out with the rest of the newspaper ads. c. Review it each week to see what is on sale at my grocery store. 2. In my family, the grocery bud get is... a. A free- for- all. No care or attention is paid to how much is spent at the store. b. Loose. But I know I'm spending too much money each week. c. Tight. I know exactly how much I have to spend each week. 3. When I go through the grocery store, I... a. Grab what I think I need or might use and get out of there as fast as I can. b. Have a list, but still find myself buying eight items not found on my list, as I just can't help but grab a box of donuts and bag of chocolate. c. Have a list, a stack of coupons, and only get what I need each week. 4. I use coupons... a. Never. I don't have time or energy to devote to couponing. b. Sometimes. I use them for a few products on my grocery list. c. Always. I plan how I will use my coupons, and try to use them only when the product is already on sale. 5. I am willing to sacrifice quality and taste to save money. a. True. I simply can't afford the highest- quality items in the store. b. False. I would rather pay a little more for higher- quality ingredients. c. False. I still buy the same great quality products, but only when they are on sale. 6. The thought of taking my children with me to the grocery store makes me want to... a. Shrug. Doesn't bother me at all to bring the kids along. b. Pout. I wish I didn't have to take them with me, but I don't have a choice. c. Cringe. I would never take my kids with me to the grocery store. They always make me spend more money than I want to. 7. When I see a fantastic sale price for my favorite product, I... a. Don't seem to notice that it's on sale. b. Grab several boxes and add them to my cart. c. Will hunt down coupons so that I can replenish my stockpile. 8. Meal planning is something that... a. I've never heard of or thought of doing. b. Happens on occasion, but doesn't seem to be a consistency in my house. c. Occurs every week in my kitchen. 9. If I see a product on "super sale" at a grocery store where I don't typically shop, I... a. Never think to compare prices at other stores. b. Am glad that I have an appointment near that store later in the week, so I can stop in to buy it. c. Would drive out of my way just to get the great deal because I need to get more of that product. 10.The cashier hands me my receipt and says, "Thanks for shopping with us today, your total savings were..." What is the percentage of savings? a. 0% b. 25% c. 60% Total # As Total # Bs Total # Cs QUIZ RESULTS If you answered mostly As, then you are an "Impulse Shopper." If you answered mostly Bs, then you are a "Decent Shopper." If you answered mostly Cs, then you are one "Savvy Shopper." My Quiz Results: Before the summer of 2008, I would have classified myself somewhere between an "Impulse Shopper" and a "Decent Shopper." Since discovering and implementing the following strategies and learning to be more disciplined while in the store, I declare myself a "Savvy Shopper." Temptations and Obstacles in the Grocery Store A savvy shopper understands the temptations and obstacles within the grocery store, and comes armed and ready to fight. I had to learn about the many stumbling blocks found through the aisles of the grocery store. I had to learn to spot a real deal and a fake deal. And I had to learn the common marketing tactics that manufacturers and grocery stores use to get consumers to buy more products. Let me share an overview. First, I want to share a little about what I call, "Sensory Overloadâ€"Grocery-Store Style." At first I misclassified this as "reverse grocery store culture shock." After so many years shopping in Dominican Republic grocery stores, I was not used to the culture of the American grocery stores. Upon re- entry into the American culture, I found myself in "reverse culture shock," both in life and when in the grocery store. My first few trips to the grocery store in the United States were overwhelming. Not just the one- hundred choices of toothpaste, but the sights and smells that floated through the air. It was almost too much for my "third- world brain" to take in. It took me many months to realize that this sensory overload was not going anywhere. I had grown accustomed to the number of choices in the store and the reverse culture shock had worn off . But the sensory overload remained. Have you ever noticed how intense and bold the sights and smells are when you walk into the grocery store? In the summer months, I can hear the flowers in a store's entryway shouting, "Buy Me. No, pick me. Hey, look at my pretty petals." And then I walk through the doors, right past the ginormous table of pies and cookies. Geesh! I don't know how much more of this I can take. Next, I stroll right on past the floral department, admiring what could be that week's centerpiece on my dining room table, and head through the produce department picking up bags and bags of fresh produce, only to find myself next to the bakery. I can smell it from the potatoes. It just has that powerful luring effect. The donuts and cookie cakes cry out for my attention as I speed on by. It's tempting, it really is! I manage to make it to the other end of the store, only to find that the in- store homemade potato chipâ€" making machine is in full gear, cranking out the most delicious and fresh- tasting chips known to man. Or at least known to me. Knowing that they were made right there from real potatoes somehow makes them healthier. But it's the smell that gets me every time. The smell of fresh fried potato chips... mmmmm. I've had enough of these fabulous sights and smells. I have got to get out of here before I run back for that floral centerpiece, a dozen donuts, and seven bags of homemade potato chips. I remind myself that I only have $60 cash and I don't have enough for such luxuries. I've almost made it! Finally, it's time to check out. Whether I just popped into the store for bananas, eggs, and milk, or I have a cart full of groceries, the final battle takes place in the checkout line. This one is the toughest for me to fight because I'm a sucker for celebrity gossip and chocolate. I'm losing the battle before I even walk into the line. Focus. Focus. Don't read the headlines. Get your coupons ready. Do something other than stare at the chocolate bars or pick up that magazine. But come on, I just want to know what's happening with Brad and Angelina this week! Thankfully there is no line and I don't have to stand waiting and fighting the chocolate and gossip temptations. GROCERY STORE MARKETING STRATEGIES Now that I've walked you through the grocery store from my vantage point, let's talk specifics as far as grocery store marketing tactics. There are some other important marketing strategies that grocery stores use to better display and market the products for sale. A major marketing strategy used by grocery stores is the endcap. The endcap is the set of shelves at the end of the aisle used to display popular items that are on sale that week. The purpose of the endcap is to allow the customer to grab the sale item while they walk down the main aisle without having to walk allthe way through the middle aisles looking for the item. But I have discovered that the prices on the endcap products are not always the best price for that product. It may be on sale, but there may be other cheaper options down the aisle. The store wants you to buy the more expensive product, even if the product is technically on sale. The products on endcaps are attractive, but might not be the best bargain. A second strategy that grocery stores utilize is strategically placing specialty items in the middle of the aisle so that customers have to walk past other commonly purchased items to find the specialty item. I will use the example of the coffee in my grocery store. The coffee is located in the middle/back of the "drink" aisle. On the way to grab a bag of coffee, customers must go past the bottled water, juices, and chocolate syrup. On the way back out of the "drink" aisle, many customers' carts will have a case or two of bottled water, a jug of fruit juice, and a bottle of chocolate syrup. Even though they intended on grabbing one bag of coffee, they ended up with water and acai berry juice to go with their chocolatey mocha for breakfast. A third marketing tool that manufacturers utilize is the "eye- level" strategy. Companies pay a premium to get their products displayed at "eye level" so that customers will see them first and add them to their cart. The problem for the customer is that the premium that the companies pay is reflected in a higher price for the product. When looking for the better deal, look high and low for similar products that cost less. A fourth, and very potent marketing tool for any grocery store is the "location tool." Location, location, location. What are the three most common items that people run into the store to grab? Bananas, milk, and eggs. And where are these products located? In my grocery store, they are located in three opposite corners of the store. That is not random. The purpose of this is to get customers to walk through the entire store for their three items. Inevitably, the customer will pick up two to nine other items along the way that they don't need. Think about that next time you have to run into the store for bananas, eggs, and milk. The store did its job. It enticed me into purchasing more than I intended to. But I did my job as well. I did not fall for such temptations and I stuck to my budget and my list. With a little practice and discipline, I have learned not to succumb to these strategies. The temptations and obstacles will always be there, but as long as I remember to stick to my list, I won't come up short on change at the cash register. Victory! How to Get the Most for your Time and Money at the Store So I figured out how to resist the temptations and obstacles while browsing through the aisles, but it came time for me to put my own consumer strategies into play. I needed to figure out how to get in and out of the store as fast as possible, spending the least amount of money. I needed a plan. STORE CIRCULARS Store circulars are released each week, letting shoppers know what is on sale in the store that week. Each store arranges their circulars in a different way, but one feature is consistent across the board for all grocery stores; the products with the best sale prices will be on the front page of the circular. These products are called "loss leaders." A loss leader is a product that is on sale at such a low price that the grocery store will take a loss on the sale. By advertising popular products for at-cost or below-cost prices, grocery stores can entice consumers to come into their store. The word "leader" in the phrase indicates that once the consumer is in the store to get the great deal, they will be led to purchase other groceries, which will in turn make up for the profit loss on the loss- leader product. Prices in the store circular, and especially on loss- leader products, are often listed as follows: 1 DOZEN EGGS, 10/$10, OR 10 FOR $10 This does not mean that I have to purchase ten dozen eggs to get this great price of $1/dozen. This is a gimmick that stores use to encourage consumers to buy more than what they really need of products that are on sale. I would just buy one or two dozen at this price to last for a week or two. I have spoken with many consumers who assumed that ten dozen had to be purchased to "get the deal." Loss leaders can certainly be alluring. It would take an amazing bargain to get me to drive out of my way to get a product from somewhere other than my normal grocery store. It happens on occasion, but I am sure to only buy that one product that drew me into the store. I will not be tempted by other deals I might spot in the other store. I am there for one reason and one reason only. That specific loss- leader product. Once I decide which loss leaders are worth buying each week, I continue looking through the circular circling items that I need to buy for the week. I will look at the different cuts of meat that are on sale and decide if I should write a meal using thatmeat into my weekly meal plan, or if I should buy a few extra packages and "stockpile" them in the freezer. Once the best deals have been marked, they are added to my grocery list. When it comes time for matching coupons with sale prices, store circulars are crucial. After I've circled all the products that I'm interested in purchasing, whether because of the sale price or the need for the product, I go back through the circular to look for coupon matches. By using coupons when the product is on sale, I can maximize my savings in the store. (More on this in chapter 2.) Another way to use the store circular is to track sale prices and keep a record of them in a price book. I like to call this list my "never- pay- more- than" list. I created this list over time, and make updates to it when necessary. I began keeping track of the prices of my favorite meat cuts and fruits and vegetables, since their sale prices can fluctuate throughout the seasons and sale cycles. Paying attention to these prices allowed me to come up with a sale price that "was worth paying." Some sale prices are just pennies or dimes below the original retail price. While this does help save here and there, it doesn't typically make a large impact in the savings percentage. My "never- pay- more- than" list helps me keep track of my favorite products and when they go on sale for 40 to 50 percent off their original price. Here are a few examples from my "never pay more than" list. Please note these prices are sale prices with coupon matchup, if applicable. • Fresh strawberries, blueberries, raspberries - $1.50 a pint or quart • Frozen vegetable bags (16 ounces) - $.88 • 10- pound bag of potatoes - $2.99 • Sweet potatoes - $.88/pound • Canned tomatoes (15 ounces) - $.59 • Olive oil (25.5 ounces) - $5.99 • Diapers - $8.99/Jumbo pack • Antibacterial hand soap - $.30/bottle • Shampoo - $1/bottle • Toothpaste - Free! By matching a $1 coupon with a $1 sale price, toothpaste can often be purchased for free. I also add to my "never- pay- more- than" list after shopping trips. Because what is in the store circular is only about one- third of what is actually on sale in the store, I often find other great deals that I didn't know about going into the store. I will quickly jot down the price (if I don't buy it and have record on my receipt) and add it to my "never- pay- more- than" list when I get home. By analyzing and planning my grocery trip with the store circular, I can save both time spent in the store, as well as money in my pocket. But, there are a few other essential tools I use to make it out of the store "under budget." MAKING THE GROCERY LIST Each week I create a shopping list. I need a list for two reasons, the first being that I will forget something that I need if it's not written down (yet, strangely my brain remembers the prices on products!). The second is that I want to buy only what I need for that week. My bud get doesn't allow for impulses and randomly adding products to my cart. I have learned that having a list is essential for saving money at the grocery store. I make my grocery list based on sales in the store circular, my weekly menu plan, and what I already have stored in the cupboards, refrigerator, and freezer. My list always includes milk, yogurt, eggs, apple juice, fruits, and vegetables. After those few items, the list varies week by week, depending on the sales and my menu plan. Making a list and sticking to it will also prevent those quick trips into the grocery store for a single ingredient that inevitably turns into a mini shopping spree. Occasionally I will come up short an ingredient, but I like to think of it as "part of the fun." It gives me an opportunity to be creative with ingredient substitutions while cooking. If I don't have taco seasoning mix, I can substitute it with spices like ground cumin, chili powder, garlic powder, and onion powder. I often find myself out of butter on a night when I'm making mashed potatoes. I have discovered that olive oil is a lovely, and healthier, substitute for the butter. When I'm out of BBQ sauce or Sloppy Joe sauce, I can make my own using ketchup or tomato sauce, mustard, brown sugar, and a few spices. By utilizing what I already have on hand, I can save myself those few extra dollars each time I "need" to run back to the store for just one ingredient. CASH AND A CALCULATOR The question remains... how do I actually stay within my bud get? What practical tools do I use to accomplish this task? I've got my grocery list and my stack of coupons, but there are two items that help me stay accountable to my bud get each week. 1. A calculator 2. Cash Yep, that's right. I carry a calculator and cash only. No "plastic" allowed in the grocery store. I used to be able to keep a running total in my head as I went through the store, but I have found that a calculator is much more effective and less stressful. Because I have a finite amount of money in my pocket, I can't go over bud get. I have to keep track of how much I will be spending. My state does not have a sales tax on food, so I typically can run right up to my total bud get without worrying about going over because of sales tax. I even did a little plastic- versus- cash experiment. My credit card offered five times the "points" for purchases made at the grocery store. I thought, What if I make use of my credit card to buy a $300 gift card to my grocery store to use each month? That way I have a "finite" amount of money to spend at the store, plus I got five times the "points" on my credit card. I tried this method for two months. I did not go over bud get and spend more than my gift card during either month. But I did find that my "plastic" mentality still existed each week. Well, I could just get a few more things and just spend less next week. Or, I really should get an extra bag of flour, even though it's not on my list, because I know we'll need it. It's okay if I go over my $60 for this week. That plastic mentality left me with just $25 to spend the last week of the month, during both months. That really wasn't enough, but I was left to plan meals based on what I had on hand from previous shopping trips. It left little room for "stockpiling" sale items those weeks because I had not been disciplined enough in previous weeks. After my experiment, I settled on cash and a calculator. I could not show up at the cashier with $82 worth of products and only $60 in my pocket. Using cash forced me to be disciplined in my spending and challenged me to be more creative with my meal plans. Excerpted from The $5 Dinner Mom Cookbook by Erin Chase. Copyright © 2009 by Erin Chase. Published in January 2010 by St.Martin's Griffin. All rights reserved. This work is protected under copyright laws and reproduction is strictly prohibited. Permission to reproduce the material in any manner or medium must be secured from the Publisher. Excerpted from The $5 Dinner Mom Cookbook: 200 Recipes for Quick, Delicious, and Nourishing Meals That Are Easy on the Budget and a Snap to Prepare by Erin Chase All rights reserved by the original copyright owners. Excerpts are provided for display purposes only and may not be reproduced, reprinted or distributed without the written permission of the publisher.