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My shopping routine is a little intense, but since I’ve started using it religiously I’ve been earning a lot more rebates, saving a lot more with coupons, lowered my grocery budget by 25% while eating better food, stopped shopping in the grocery store except for quick trips, and I’m saving a lot on gas when I have to fill up the car each week. So, while it’s a little complicated, I definitely think it’s worth the time. First, here’s the list, then I’ll go into how each step works.

  1. Check out sales for Kroger
  2. Look up ecoupons, printable coupons & rebates that match sale items
  3. Order groceries online through ClickList.
  4. Day of grocery shopping, buy Amazon gift card to get the fuel points, if I will be doing any Amazon shopping
  5. Pay with PayPal to get 1% cash back
  6. Use fuel points from grocery shopping, Clicklist feedback surveys & gift card purchases to save on weekly fill up.
  7. Use Swagbucks to shop on Amazon to get reward points, if I can earn 5SB or more per dollar spent.
  8. Submit receipts from shopping to ReceiptPal and ReceiptHog
  9. Snack order from Love with Food (automatic)
  10. Use leftover money to make bulk purchases from Jet and Boxed

Stick To Your Budget with these DIY Cash Envelope Systems

For $4.99 this pattern is a great bargain! I love these envelopes with their tabs, they would work well in a large clutch style wallet like the one I have. This $5 envelope pattern from MP Digital Shop is a great little pattern. For the price, you can't beat it and...
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6 Simple Ways to Save Money on Meat

So, can I just level with you? I tried to do the vegetarian thing for my husband. I mean, not entirely vegetarian because I don't believe that's a healthy choice. Growing up, my mother in law had bad reactions to beef and apparently they burned out on chicken, so...
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15 Minute System For Creating An Effective Budget

I used to struggle with budgeting until three things happened: the first was I for my food budget under control with a consistent system that worked. That's a huge area where I used to overspend, and it really messed up our budget. The second area was our income,...
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The Best Maternity & Nursing Tops for Under $40

I had the hardest time finding cute clothes that fit me right when I was a nursing mom, especially since I was on a tight budget. There were tons of cute tops I couldn't afford, so I ended up making this list, as much for myself for when I want to start nursing, as to...
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How to Save Tons of Money on Non-Food Items

Since I launched my ecourse, Become a Food Budget Boss, I've heard from a lot of homemakers that they have trouble managing the non-food parts of their budget. I know how frustrating it is to be trying to budget and not being able to get into a groove because little...
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The 8 Mistakes We Made While Paying Off Debt

There are a lot of reasons why I am methodical about how we are paying off our debt. Firstly, I'm kind of obsessed with keeping everything organized so I can spend time doing things that are productive and help keep us moving toward our goals instead of spending my...
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Things We’re Not Doing While We Get Out of Debt

I'm kind of obsessed with being out of debt. I would love to say that we are working hard to be out of debt just for the sake of being responsible, but I have some really crazy financial goals. I want things, and being out of debt means we'll be able to achieve them....
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Credit Score Rehab

Blogging is kind of a terrible job. I mean, don't get me wrong, I love it! But if you're like me and you're a little bit of a no-holding-back kind of person then you just can't but share some of your dirty laundry with your readers, no matter how embarrassed and...
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SwagBucks Math – How Much Are Your SB Worth?

I really love SwagBucks' rewards program. I know a lot of bloggers talk about it how much they earn. I haven't earned a ton, but I don't really put a lot of effort into it these days. Over my lifetime I've only earned just a little over 6,000 points, which is around...
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How We’re Using Rebates to Go Debt-Free Faster

I really like shopping online. I love the convenience, the ability to do an instant price check without wasting gas, and I don't have to time my shopping trip in between naps, feeding children and the dozens of other things I do on a normal day. One of the beautiful...
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Paying Off Our Last Small Debt in our Debt Snowball!

This morning I made a debt payment for $309.15 and I could not be more excited because that means we've gotten every small item off our debt snowball and all we have left now are our student loans and our car. We didn't do our debt snowball exactly to the Dave Ramsey...
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Dealing With Rude Debt Collectors

If you're getting out of debt, then chances are you might have an account, or five, in collections like I did. This morning I was so excited to pay off an old debt that I had owed for a while, so I called and was treated with a rude and snobby attitude, the woman was...
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Monthly Check-In: November 2015

Time to be really straight with you: I've been having a hard time with impulse spending with fast food this month so far. I'm so tired and having a hard time staying motivated to cook, so I've been really bad about just grabbing something quick and easy. Of course,...
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Monthly Check-In: October 2015

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Monthly Check-In: September 2015

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Monthly Check-In: August 2015

This month is our first big month of paying off debt, and I'm really excited. I sat down and really looked at our budget, compared our income to our debt and looked at our credit scores. We have roughly $17,000 in debt, make well under $50,000 a year, my credit score...
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1.Check out sales for Kroger

I used to shop at a lot of stores, but I don’t anymore. I explain why in this blog post.

2. Coupons & Rebates

I love using coupons, but I hate spending time on them. My rule of thumb is I try to save 50% on all snack foods and convenience foods I buy for my husband’s work snacks and our travel snacks. I use my SwagBucks coupons to earn me SB if I can, or I use my own if we’re talking about printable coupons, but I also use eCoupons pretty much every week.

3. Order Groceries

ClickList and I are BFFs. Seriously. I pay $4.95 per order and they get all my groceries ready and get them loaded into the car for me. I can use paper coupons, so I can still take advantage of great sales and coupon savings combined and it’s awesome. I save so much time, and with having Logan and Autumn both, it’s just easier to not have to coordinate nap time and all that around big grocery store trip. I already have a pretty solid routine that helps keep things sane with me working from home with both of the littles and I don’t like to mess with that too much if I don’t have to.

4. Amazon gift cards

I do a lot of shopping on Amazon, so I realized a little while back that I was missing out on getting Fuel Points for the money I was already spending anyway, so I started getting my Amazon cards there. I usually wait until they are doing a double or quadruple points weekend, saving my Amazon budget money until the cards give me a ton of fuel points, then buy them and get tons of fuel points.

5. Cash Back

love using my PayPal card, and since it’s a debit card I don’t have to worry about anything like the temptation to overspend because it’s a credit card or anything like that. But I get 1% back, which is great. 1% isn’t a ton, but it’s better than the nothing I would have gotten with my usual bank card. We don’t use the rebates for our ‘normal’ budget, but I apply them to our debt snowball.

6. Fuel Points & Gas Savings

Once I’ve gotten the groceries, I go to the Kroger gas station and do our weekly fill-up, where I rarely save less then $0.40 a gallon. Of course, I also use my PayPal card here and get 1% cash back. It adds up!

7. Amazon Shopping

I love using companies like Ebates, but I don’t ever use them for Amazon because I’ve never gotten money back from them for my Amazon purchases. I guess I just shop in the wrong categories. I use my SwagBucks account to make any purchases and it adds up pretty quickly. To maximize my SBs earned using the principles I talk about in this post, I make a lot more and save a lot when I redeem them for gift cards… it’s a great system.

8. Submit Receipts to Reward Programs

There are amazing benefits to using receipt rewards, like free gift cards! These gift cards paid for more than one week of groceries, special at-home date night treats and other splurges. We’ve also used them to pay off debt.! I use to ReceiptPal and ReceiptHog, although I’m a lot more faithful to to using ReceiptPal because they automatically take my email receipts from my email inbox, and since I use my PayPal debit card for almost everything, basically all of my transactions are automatically sent to them. I like ReceiptHog too, but automatically earning gift cards is a lot easier. Right? 😉

9. Snack Order

I realized after Logan was born that I had been sabotaging our grocery budget by not getting snacks. We are very snacky people. Between me being hungry all the time because I’m a human milk factory, and Ian wanting to have something quick and easy to eat on his breaks at work that travels well – it all added up to us spending a lot of ‘just a little snack’ money that wasn’t in the budget. I did two things that made a huge difference.

The first thing I did was get a Love with Food Subscription. I tend to get into a habit where I buy the same things week after week, which is fine by me but Ian loves variety. He talks a lot about how when he was a kid how he ended up eating a lot of the same things over and over (especially pasta) so it just makes him crazy. It’s one of his quirks, and I don’t really mind. So I decided to get the Love with Food membership so we would have fun new things to try, but I wasn’t going to be spending a fortune.

10. Ordering online with Jet and Boxed

love ordering from Jet and Boxed, it’s like having a Sam’s Clup or Boxed membership. I love Jet because you can buy small or large quantities, which is great when I don’t need huge quantities of things. I always meet the minimum for free shipping, so I really save a lot.

I love ordering in bulk from Boxed. Their things are a lot more like a big box store (go figure) and they come in big packs. I love them for their wine selection and household items like laundry soap, they are a staple for normal day-to-day items.

This system has helped me cut my budget so much. It has been a huge help toward us getting out of debt faster, because it’s just that much more we can set aside for student loan debt. Every little bit counts.

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