Frugal hack: Grocery substitutions.

I discovered a great frugal hack the other day while trying to use a “weekly digital deal” coupon at Fred Meyer. The store, which is part of the Kroger chain, offered six-packs of 16-ounce soft drinks* for $3.49.  

Some days I don’t drink soda at all, and some days I’ll have two. Lately I’ve bought bottles rather than cans, so I don’t have to drink an entire serving at once. Tightly capped, a Diet Pepsi will hold over until the next day.

When I see a price like this one, I limit out until the next big sale. Unfortunately, the store didn’t have any Diet Pepsi. It had every other Pepsi flavor imaginable (and some I don’t like to think about**), but not the one I wanted.

No Diet? No problem! I headed off to another Fred Meyer and found the same empty spot on the shelves. A grocery manager looked everywhere and sadly reported they, too, were out. Damn those weekend barbecues and salmon-fishing trips!

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Senior Tuesday takedown.

The boneless/skinless chicken breasts featured at the supermarket entrance made me feel a little queasy today. Not because they looked bad; on the contrary, they looked fresh and appetizing. It was the $8.49-per-pound price tag that made me want to lie down with a cold cloth on my eyes. After all, it was Senior Tuesday and I’d hoped for some low prices to go with the extra 10% off store brands.

Good deals – really good deals – were about to be discovered, in two batches. That led DF and me to a new rule for bargain hunting, which I’ll explain below.

The total bill was $77.83 for a shopping trip that included 51 pounds of fresh meat, 23 cans of corned beef hash (more on that in a minute), salsa, sour cream, three pounds of bacon and a big bottle of creamer.

It was the meat that made us happiest, however. DF was so tickled by the markdowns that he added up the weights and noted the original prices vs. what we paid. Here’s how it all shook down:

  • Five pork roasts, ranging from 3¾ to 4½ pounds, for $1.06 each (96 cents after the senior discount)
  • Five whole chickens, two of them organic, averaging five pounds each, for 96 to 98 cents apiece (86 to 88 cents with discount)
  • Two packages of organic boneless/skinless chicken breasts, totaling 5.65 pounds, for $1.95 each ($1.69 with discount)
  • Five one-pound packages of Angus beef burgers with barbecue seasoning for 98 cents each (88 cents with discount)
  • Three pounds of bacon, which would normally total $18.87, for $12.02 thanks to store coupons

The 51 pounds of meat (excluding the bacon) would have originally cost $233.72. After the senior discount, we paid $17.97 for 51 pounds of animal protein.

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Always check the register receipt.

Recently I wrote a piece about why you should always check the clearance section. The other day, DF and I were reminded why you should always check your register receipt, too.

While shopping on Senior Tuesday (10 percent off all Kroger brands), we noticed that boneless, skinless chicken breasts were on sale at an almost agreeable price. Since I wanted to try a new recipe (butter chicken in the slow cooker), we decided to spring for a package rather than buy a whole chicken and cut it up.

(Maybe not the most frugal move, but he recently had a major health issue and since then we have sweated far less small stuff. Besides, it would be loads cheaper than going to an Indian restaurant.)

Generally I do check the register receipt; in fact, I tend to watch items as they get rung up, to make sure that sale prices show up correctly. On that day, however, we were both a bit distracted. At one point he did glance at the electronic readout and said, “Wait – did that say 99 cents a pound? … No, I guess that was the discount per pound.”

When we got home I checked the receipt to see how much we’d saved overall – and noticed that the boneless, skinless chicken had indeed rung up at 99 cents a pound. D’oh!

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Life as a personal grocery shopper.

We found chicken for less than 12 cents per pound yesterday, a discovery too good to keep to ourselves. Instead, I did what I always do: Texted my niece and my neighbor to see how many packages they might want. While I never wanted to be a personal grocery shopper, I can’t keep deals like that to myself.

Those poultry deals were five-pound-plus packages of chicken drumsticks for 64 cents, and boneless, skinless, organic chicken breasts (2½ to 2¾ pounds) for $1.28 apiece.

We left the store with a lot of chicken. It helped them, and it helped us reach our goal of getting a free turkey* through a store offer.

Sharing deals is a sort of frugal ministry for me. Maybe it could be for you, too.

I’m not saying you must do this every time you hit the store. Or maybe at all, if it doesn’t fit your current life. But given how expensive food is getting, think what a gift this could be to others. 

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Support the reader economy: Giveaway #9.

How’s your household budget doing? Yeah, mine too. Inflation is allegedly easing, but I haven’t noticed this much. In fact, gasoline is going back up and milk is now $4.29 a gallon.

The reason I started the “support the reader economy” giveaway series is to bring a (small!) boost to someone’s budget. Sad to say that $25 isn’t much these days – unless, of course, you’re $25 short on groceries or you need to get to work for two more days until payday.

Thus I am offering a $25 e-gift card of the winner’s choice, whether that’s a supermarket, gas station, big-box retailer or, yes, Starbucks. It’s hot out there, and if you’ve cut back on cold drinks (or drinks away from home, period) then a caramel macchiato whatchamacallit might be exactly the small boost you need to keep on keeping on.

Or maybe you’re thinking bigger-picture thoughts. For example, Hannukah is just 125 days from now, Christmas is 143 days away and Kwanzaa starts in 144 days. If you’re planning to give gifts, it’s a good idea to at least make a list. Bonus frugal points for starting (or having started) to look for affordable presents via clearance sections (virtual or IRL), yard sales and your Buy Nothing Facebook group. A $25 card to Target or Amazon or wherever might not make much difference, but it’s a start.

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A free “Credit Score Boot Camp.”

Concerned about your credit score? You should be. Like it or not, that three-digit number can make a big difference in your life. Credit expert Beverly Harzog can help, with a free e-mail course called “Credit Score Boot Camp.”

Every week for six weeks, you’ll get true, actionable advice from Harzog on how to increase your score. Already have a decent FICO? Her tips can help you keep it that way.

The course author is a consumer finance analyst for U.S. News & World Report. But she’s no talking head who looks down on those who have credit issues. In fact, she freely admits she’s had issues of her own: The title of one of her books is “Confessions of a Credit Junkie: Everything You Need to Know to Avoid the Mistakes I Made.” (As an Amazon affiliate, I may receive a small fee for items bought through my links.)

 

Beverly may have a highfalutin title, but she’s one of the most down-to-earth people I know. And yep, I know her in real life, as the kids say. I’ve even stayed in her home and petted her impossibly cute pup, Marshall.

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Low- or no-spend February 2023, Weeks 2 and 3. (I’m back.)

Running a little late, obviously. I was already a bit tardy with the low- or no-spend February challenge update when a stomach bug made me almost completely work-avoidant. Many quarts of hydration and loads of hours of sleep later, I am much healthier. But catching up on belated assignments meant missing a week.

While mildly ill, I was reminded yet again that sickness means either spending way too much (medical co-pays, prescriptions, special foods) or feeling too crummy to spend much at all.

This time around it was the latter, fortunately. I was also reminded that I live in a low-maintenance prepper paradise where just about anything I needed was already in hand (and likely bought on sale or at Costco). Powerade? We got it. Canned chicken soup? Ditto. Generic ibuprofen PM, so I could sleep for 12 hours at a stretch? You bet.

That sleep was some of the coziest ever, thanks to the brand-new-to-us down comforter  whose frugal purchase was detailed in the first roundup. Reading some of the comments on that piece, I was impressed by a couple of readers’ stirring tales of thrift.

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Unclaimed funds: Look for them!

Recently an acquaintance was contacted by a company that specializes in finding unclaimed property. If she would authorize them to act in her name, they’d make sure she got the money – minus their 10 percent finder’s fee. She wondered if this were legit or some kind of scam.

Apparently there’s some kind of software that matches unclaimed funds to last known addresses. If even half the folks contacted respond with, “Sure, go ahead,” that company stands to make a lot of money.

But why give it away without at least trying to get it yourself?

In about 60 seconds I was able to search online and tell her that yes, the state is holding a bunch of money for you. And while I was in there, I learned that both DF and I were also owed some unclaimed funds.

Not a lot of money: just $19.71. But as someone who picks up found coins, the chance to get almost 20 unexpected bucks sounded pretty good. And as you can see from the illustration above, that money is now in my bank account instead of the state of Washington’s.

Not sure how much DF will be getting, because he’s still waiting for the results. However, the acquaintance was owed more than two grand. If that company hadn’t reached out, all three of us would still be owed money. But this way we get to keep it instead of forking over a 10 percent fee.

You, too, might be owed money – so why not look for it? Here’s how.

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Low- or no-spend February 2023: Who’s in?

This is not a new idea, and in fact many bloggers make it a strictly no-spend February. But I like to keep things a bit looser because not everyone can just stop buying things.

Not that you have to stop buying entirely. If you get a head cold in late February, you don’t have to wait until March 1 to hit the drugstore.

And obviously you’ll still have to gas up your car/renew your transit pass as needed, or pick up fresh produce or milk when you run out (and if you decide you can’t live without these things).

The point of this 28-day exercise is to try not to spend, and to be intentional about what you do end up buying. Pretty sure you guys are already good at that.

So: Who’s in?

Instead of buying on autopilot, a low- or no-spend February asks you to think critically about everything you want to put into the shopping cart:

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