On a Budget - Online Grocery Shopping

Hey-oh!  

I've got another good quality option for you that will help you stick to your budgets each month! 

Online grocery shopping has been a huge game changer for me in sticking to my budgets with groceries and toiletries each month. I used to do price matching but even with that I was still always going over the set dollar amount, and because I'd spend all of this time at the register listing the cheaper prices so the cashier could type them in, if I was over my budget after they said the total, I'd feel embarrassed to then say "oh, take off the chips then" or "I guess I don't want the sippy cups this time."   I had my grocery list and was tallying up the prices by each listed item and was even rounding up for taxes, but I could never get the accurate amount totaled beforehand. (And let's be real, I've always been more of an English girl, Math is not my strong suit!) But don't get me wrong, I do enjoy price matching and I think it has saved me a lot of money over the years, but with price matching alone I still struggled to stick to my food budget month after month. 

So what's a girl to do in order to stick to her grocery budgets?! Online grocery shopping, that's what! My days of being over budget with groceries are now looonnnggg behind me, thanks to this beautiful creation.  

There are a few options of stores that let you grocery shop online now: Walmart, Winderfarms and Macey's. (Possibly more, but let's just focus on these ones!) Some may charge a fee each time (ex: Macey's is $2 each order) but I shop with Walmart and their service is free. 

#Realtalk: Everybody loves to hate on Walmart, but truthfully, if you want to stick to a tight food budget, this place is often going to be your best bet. Their prices of items per ounce etc is the cheapest on pretty much every single item, so without couponing or price matching elsewhere, I personally think it would be hard to get the same low price for the majority of your groceries. Some people prefer the less hectic, less crowded atmosphere when they shop at other groceries stores and to them that is worth the price of paying a little extra with each item, but if you are sticking to a tight budget, paying a little more for each item may very well not be what you can afford. (Although shopping online would save you from their stores, while still enjoying their prices.) I've also heard people say that they don't think that Walmart's produce is as good as other stores. I personally have always thought our produce from Walmart has been just fine, but if you disagree, I'd suggest purchasing all other groceries at Walmart and getting your produce where you prefer. In my opinion, the more you can purchase at Walmart as opposed to a different store, the more you'll save. Hate 'em all you want, but they are the kings of low prices.

What I love about Online Grocery Shopping:  

 -It shows you your cart total at all times, and before you purchase your groceries, the website lets you check through your cart and change amounts or delete items that you don't really need or have too much of. Now I know exactly where I'm at within my budget and I can easily see when I'm going over. No embarrassment at the checking line when I need to take off an item or two, huzzah! 

Those innocent little faces could break out in fits at any moment.. 😉

- I don't have to entertain two children while pushing them through the store for an hour or two. Oof. Going out in public by myself with my two little ones is still just hard for me. Sometimes it's great, other times it's terrible, and I just prefer to avoid it when possible. With online grocery shopping I just order my groceries, call when I'm on my way, and sit in my car while they load them up for me. No drama, no tears!  

- It's SO fast! It takes me about 15-20 minutes to grocery shop for two weeks worth of food- amazing right?! I just pull the link up on my phone, order from my "essentials" (the groceries I tend to buy each time) and boom. Done. The first time I did it it took a little over an hour because I had to search each item, but I was able to save each item I bought regularly and now they list those items all in one place for me, so it's crazy fast. 

Things to be aware of:  

I've only had experience with Walmarts online grocery shopping, so I can't vouch for any other store, but I have heard people have been very happy with the other options. 

Keep in mind that every location for that grocery store may not do grocery pickup. For example, I live inbetween two Walmart's. The one south of me does not do grocery pickup, but the one north of me does. Make sure to pay attention to which address you are choosing so you don't accidentally order groceries 4 hours away from you. 

If you order online and then notice a product is damaged or some fruit that doesn't look the best at pickup, don't be afraid to say something. You don't want to be over the top of course, but if you notice the potatoes you just bought are already molding, tell the employees and they'll switch it out for you. 

Well, there you go! Online grocery shopping has helped me stick to my budget time and time again- in fact, ever since I started online grocery shopping 9 months ago, I haven't gone over my food budget once. It's kind of a miracle. Try it out!  

On a Budget - How to Create Realistic Budgets

Now that we've learned about the best way to stick to budgets, let's talk about actually setting them!  

It can be so easy to see budgets as a very restrictive, lock-the-door-and-throw-away-the-key kind of setup. We see them as the absolute kill-joy of all that is fun and exciting, and I think that's part of the issue with sticking to them. Often times when we set budgets, we don't make them realistically, and we don't keep talking about them and adjusting them. But before we get to the HOW of setting budgets, let's talk about our financial situation first. Frequently, when we are setting budgets, we seem to fall in one of these two categories:

Setting tight budgets out of necessity: 

Our income is barely enough to pay our bills, so we are forced to spend a very limited amount on everything and have absolutely no money saved, or only very little saved. 

Setting a budget in order to save up for a future purchase: 

Whether it's for a house, college funds, traveling or just to have money saved for the what-ifs in the future, we are making enough to be comfortable while also trying to tuck enough away for big things we really want or need.

First things first, decide which category you're in.

If you're in the first category, the first thing I'd suggest you do is take a look at all of your bills. Is each one necessary? Are you paying more for certain things than you need to be? Things like TV subscriptions, cellphones and plans, car payments and home/rent payments are the perfect places to examine first.

Oftentimes, if we want to have realistic budgets and the ability to save each month, we have to trade off and get rid of some of the items we currently have in order to get what we need, or want for our future. Sure, you may WANT some of those things, but do you NEED them? 

A technique my husband and I use to help us in deciding on items like phones and cars is paying cash for those things upfront. That way we don't have a monthly payment while we are using them. This usually means that the most expensive and top of the line products aren't going to be realistic for us to have, but I promise that there are plenty of good phones and cars you can save up for that don't require a huge chunk of payment each month (Tip:  Don't compare what you have to what others have. That is a great way to break your resolve to stick to your budget and you will always want to keep up with the Jones', which is a fantastic way to spend beyond your means and never save.) This also means that we often have to wait a few months longer to upgrade at times in order to have the cash in hand, but waiting a few months sure beats paying a monthly bill for years. Plus, you often end up paying far more than the original price if these items have interest.* 

Another good way to make sure you are living within your means is to consider your home and car payment. Add up how much you're paying for those two items every month- it should equal no more than half of your monthly income. (44% of it to be exact**) If it's more than that, you might want to reevaluate if those items are important enough to be living paycheck to paycheck without any freedom within your budgets, and if those things are already the tightest you can go for your needs, you might need to find a higher paying job or a way to bring in more income. 

If you are in the second category, it's important that you evaluate future goals and needs in order to be motivated to save. It's too easy to think you have enough for your current needs, but keep in mind that accidents happen, disasters strike, and kids are expensive. We can't predict the future, but we sure can save and be prepared for it to the best of our abilities.  

Once you have figured out which category you are in and have looked through your bills and decided on future goals you have for saving or paying off debt, it's time to actually set up the budgets! This part used to stress me out and I would feel angry and defeated, time and time again. But then I realized I was doing it wrong! I didn't realize that budgeting was a process, an ongoing conversation, and a team effort.

Keep in mind that this initial budget set up meeting may be difficult, a little frustrating, and maybe even painful but it DOES get better! (Living proof here!) 

Sit down with your spouse (or whomever you are sharing incomes with for your household) and list out everything you could possibly think of that you would need a budget for, as well as other monthly costs you have. (Utilities, insurance etc.) Some typical items are groceries, toiletries, phone bills, house repairs, car repairs, date night, a fun budget for each spouse, family outings, a budget for childrens needs/fun things, birthday gifts, Christmas gifts etc. There are so many you can create. List out a budget for every possible area you would need to spend money on each month and then put a price amount next to each one- a number that is both realistic but also your ideal number. 

These dollar amounts are completely random ones I made up and do not reflect what Kyler and I put towards each of these budgets in our own personal budgeting. 

After you've listed out each dollar amount, calculate how much that would leave you to save each month. Is that an amount you feel good about? Is it realistic for your future needs and wants? If not, it's time to go through each budget and make a few sacrifices. 

Talk about each budget. With some sacrifice, (big or small) could you drop that amount to something that would help your saving goals? Groceries is often the hardest to control, but with so many options like price matching, couponing, shopping at Walmart as opposed to Macy's etc, are there different things you could try and put effort into in order to save money and put it towards something else you'd like or need? Talk about each number, and decide on an amount that you BOTH feel good about.

Circle it when the amount feels right to both of you, but keep slashing each dollar amount until it's realistic but also helping you put enough away into your savings or towards paying off debts. 

It's so important to be open and honest at this part of budgeting! If you agree to an amount but actually find it unfair or unrealistic, your budgets don't stand a chance. Or, if you feel that your spouse spends way too much in one area, tactfully share that with them. Feelings may be hurt regardless but the truth is that our spending habits affect each other, whether they are too tight or too free. (This is not an open invitation to be rude, degrading, or shaming to your spouse. That is a great way to never have budgets work.) Open up, be honest, and figure it out TOGETHER. This may take days or even weeks to finish up, but set a deadline (i.e. "budgets will be finalized by the end of this month" etc) and stick to it. It may even be beneficial to you to work a financial advisor if you both can't come to any agreements. 

In the past, I often kept quiet and agreed to stick to a low budget that I didn't find realistic, but because I was so frustrated with even having to make budgets, I acted like my hands were tied and just went along with whatever my spouse thought would work. But, because of my lack of communication, we set unrealistic budgets thatdidn't  work out. Or, we set realistic budgets but with no real commitment from me, and therefore they failed over and over as well. Don't set yourself up for failure! Talk openly and honestly and KINDLY to one another and you will figure it out. If you decide on it together, it's much easier to keep it together.

One form of keeping budgets- cash in envelopes  

I'll admit, most occasions where we set budgets in the past, I cried a lot. It seemed to be more than I could do. I didn't even want to do it in the first place and I hated that we had to. I often felt like the failure because since I did the grocery shopping and maintained the home etc. it was typically me going over in the budgets. (About 99% of the time... whoops!) and honestly, I was the one failing, because I was refusing to commit. I was kicking and screaming and my choices were affecting my family. But once I found my WHY, truly dedicated myself to the joint effort, and we figured out the best way to communicate about budgets, the tears stopped and I became excited about making and keeping them! It felt like an exciting challenge that I wanted to prove I could do. 

Once you've finalized your budget, set a timeline within the next few months (maybe around 3-4 months) where you will reevaluate them together and see how things are going. Make sure to promise each other (and keep that promise) to stick to these dollar amounts 100% within that time frame. Make your absolute best effort to keep to these budgets. At the end of the 3-4 month period, meet together and again speak openly about how it went sticking with those budgets. Was your grocery amount realistic or were you scraping by and not getting the nutrition and diversity your family needs? Were some budgets way too high and that money could be put in to savings or rearranged and spent elsewhere? Readjust them and try again. Talk again in another 3-4 months and see how things are going.

Keep in mind that you will likely have forgotten some areas to budget for. That's okay! Add them to the list and evaluate how much they should have in them. It's far better to have it all out there on the table than to skip adding them to the list and then wondering where all of your money goes a year later. Budgets are not a "one and done" conversation- they need to be flexible and ever changing for the needs of your household. If they are uncomfortable to talk about, that's a good sign that you aren't talking about them enough. 

If you want to be successful at maintaining budgets- keep the conversation going! Don't set them and then never talk about them again for the rest of the year- that just wastes time and money and leads to resentment towards each other. Keep checking in with each other and adjusting the price amounts until your saving the amount you'd like to while also having sufficient for your current needs. 

In summary, setting budgets requires:

1- Looking at your current bills and future goals. Can some things be altered or changed in order to make sure you are living within your means and giving you more freedom within your budgets? What future goals do you have for yourself and your family?  

2- Listing out each area you want and need to put money towards each month and deciding how much money should go towards each budget. Talk it out together, be realistic, honest, and make sure you're sticking to your savings goals. Slash until the price is right, and set a time to discuss them again months down the road after they've been put to practice. Give your word and your best effort to stick to these preliminary dollar amounts. You don't truly know until you've truly tried. 

3-Keeping the conversation going! Talk about the budgets every few months and adjust them to be more suitable to your needs and goals. 

Save that money!! 👍🏻 

Putting each of these steps into practice has been a game changer for our own budget keeping goals! You can do it! Set a time to talk about finances with your spouse today, it's never too late to change your situation! 

Missed the previous article from the series On a Budget? Read about finding your WHY, here. 

* http://www.investipedia.com/articles/realestate/12/monthly-payment-trap.asp 

** http://articles.chicagotribune.com/2010-05-06/business/sc-ym-0509-spending-karp-20100506_1_mutual-car-repair-income