Sorry, you need to enable JavaScript to visit this website.
Skip to main content

Wednesday, March 29, 2023

How to save on groceries

How to save on groceries

Groceries and produce

Key takeaways 

Prices are going up all over the place because of rising inflation — and your local supermarket is likely no exception. According to the Labor Department, consumer goods have increased by more than 8% in 2022, the highest spike the U.S. has seen in over 40 years. 

Ray Sobczyk

Lower your grocery bill with these 10 tips

Dreading going to the grocery store these days?

Welcome to the wholesale club.

Prices are going up all over the place because of rising inflation — and your local supermarket is likely no exception. According to the Labor Department, consumer goods have increased by more than 8% in 2022, the highest spike the U.S. has seen in over 40 years. Everything from produce to dairy to beef have jumped up in value, with a cart of groceries costing Americans 12% more than at this time in 2021.1,2,3

While the sticker shock may take some time to wear off, follow our list of tips and tricks to help keep your grocery bill as low as possible.


If it’s time to fill your cart, it’s best to have a full belly. Many studies, even scientific theories, show shopping on an empty stomach could lead to more impulsive, hunger-inspired purchases when you’re strolling down each aisle at the supermarket. Before you head out the door and to the store, be sure to grab a snack to satisfy your appetite. Doing so could help you resist temptation while reducing your spending.4,5,6


Taking inventory on what you already have in stock at home can prevent you from wasting dollars on products that you don’t quite need yet. Double-check your pantry, freezer and refrigerator for household staples such as condiments, seasonings and grains as well as frozen foods and canned goods.7 Oftentimes, you may discover there’s enough ketchup and mustard left to get you by for another week or two.


Everyone is guilty of grabbing random things off the shelf and tossing them into the basket from time to time, but this may cause your grocery bill to spiral out of control. Whether you use an app on your phone or a regular ole pen and paper, you could trim $100 off your weekly grocery bill by simply shopping with a list and sticking to it.8,9

Going alone, and leaving the family at home, can also help you stay committed to what you need and what you don’t.

Infographic. 2 shopping carts with text: A cart of groceries costs Americans 12% more than at this time in 2021.


Snipping coupons from the newspaper is still a great way to score a great deal. But if that sounds archaic to you, a can’t-miss BOGO (buy one, get one) special on something like your favorite ice cream may be just a click away. For the latest promotions, see if your grocery store offers digital discounts or rebates through their mobile app. If the coupons are on your phone, then you likely won’t forget to bring them.10


Is it winter, spring, summer or fall? When you’re perusing the produce section, don’t just grab the first fruits and veggies you see. Depending on the time of year, the price you pay for each produce item will be impacted. In-season foods will typically cost more than ones out of season, which are being grown and shipped from warmer states or countries. Some common fruits and vegetables, like apples, bananas and carrots, are harvested throughout the year and usually don’t shift too much in price.11

What’s in-season where you live? Check out this super friendly seasonal food guide to find the best foods, at the best times, near you.12


Sometimes, when you’re trying not break the bank at the grocery store, it’s all about sacrifice and savviness.

Ground beef is up roughly 75 cents (per pound) from this time a year ago, so consider substituting cheaper but protein-packed ingredients such as black beans for a similar taste in your traditional casserole.13 For chicken, up over 13% in the last 12 months, one expert recommends subbing in white beans in your go-to recipes. Instead of buying cereal for the mornings, oatmeal is usually a less expensive and much healthier alternative.14,15,16


Just because it’s sliced up, piled up and wrapped up doesn’t mean it always has the prettiest price on the package. While they may be super convenient, prepackaged fruits, veggies and cheeses can also be super costly. In general, precut produce in a container is three times more expensive than a whole item, like a watermelon. They also have a much more shorter shelf life, so they won’t last as long in the fridge.17

A grocery bag overflows with fruits and vegetables


Who doesn’t love the real deal when it comes to popular items like laundry detergent, toilet paper and pain medication? But passing up on the big names could mean big savings. Premium brands are often the safe and simple choice for a variety of household products, but they usually come with a high price tag. In fact, swapping out well-known logos for generic labels could help cut your receipt in half.


Most national chains will allow you to sign up for their loyalty program to gain access to additional perks. Points can typically add up fast and can be redeemed for member-only rewards, such as scoring 10 cents off per gallon at the gas pump. Other specials and sales can help you save even more each trip.18

Even better, many major credit card companies offer exclusive cash-back credit cards when used at a grocery store. For example, you can earn back anywhere from 1% to 8% on some of the more popular cards when you tap it to pay for groceries. That’s essentially free money you can stockpile for future visits.19


When you’re checking out, put your phone down and your head up. You owe it to yourself — and to your wallet — to do your due diligence at the cash register by making sure everything rings up at the correct price and nothing scans twice. It may be tedious process, but reviewing the monitor for any errors, glitches or mistakes provides an extra layer of protection so you don’t accidentally overpay for anything.20


In addition to the ideas above, there are many other ways you can save at the grocery store. From searching the clearance aisle after a holiday to limiting your trips to once a week to buying items in bulk, anything and everything can help you pinch pennies. It’s important to do what works for you and fits your lifestyle.21,22

1 CNBC, “Rising inflation has made it more expensive to eat at home — here’s how much grocery prices have increased,” April 2022.

2 Axios, “Rising food prices are changing the way we eat and shop,” June 2022.

3 U.S. Bureau Labor Statistics.

4 USC News, “Are you hungry? Best to eat first and shop later, study finds,” March 2015.

5 CDC,

6 The Penny Hoarder, “How to Save Money on Groceries: 28 Tools and Tricks to Save $100 or More,” June 2022.

7 AOL, “15 Tips for Stocking Your Pantry on a Budget,” June 2022.

8 U.S. News, “How Much Should I Spend on Groceries?” May 2022.

9 Real Simple, “Here's How I Save $100+ Per Week By Shopping With a Grocery List,” June 2021.

10 CNBC, “11 tips for saving money at the grocery store,” January 2022.

11 Eat This, Not That, “30 Shopping Hacks to Save Money at the Grocery Store,” July 2021.


13 NBC News, “Track grocery price trends,” June 2022.

14 CNBC, “Here are 5 tips for grocery shopping on a budget now that prices are going up,” June 2022.

15 The Penny Hoarder, “How to Save Money on Groceries: 28 Tools and Tricks to Save $100 or More,” June 2022.

16 U.S. News, “10 Grocery Items Getting Pricier and Alternatives to Buy Instead,” June 2022.

17 Huff Post, “Why You May Want To Reconsider Buying Precut Vegetables And Fruits,” January 2021.

18 The Penny Hoarder, “These 26 Grocery Fuel Rewards Programs Will Help Fill Your Tank for Less,” June 2022.

19 Nerd Wallet, “8 Best Credit Cards for Groceries of July 2022,” July 2022.

20 Eat This, Not That, “13 Amazing Tricks for Saving Money at the Grocery Store, According to Employees,” January 2021.

21 Go Banking Rates, “16 Ways To Save Money on Food Now That Prices Are Rising,” June 2022.

22 Go Banking Rates, “15 Tips for Stocking Your Pantry on a Budget,” July 2022.


Ray Sobczyk, Empower author

Ray Sobczyk

Content contributor

Ray is a longtime professional journalist who has produced stories on a diverse range of topics, from community to people to money. He is now a writer for Empower focusing on financial health and well-being.

The content contained in this blog post is intended for general informational purposes only and is not meant to constitute legal, tax, accounting or investment advice. You should consult a qualified legal or tax professional regarding your specific situation. No part of this blog, nor the links contained therein is a solicitation or offer to sell securities. Compensation for freelance contributions not to exceed $1,250. Third party data is obtained from sources believed to be reliable; however, Empower cannot guarantee the accuracy, timeliness, completeness or fitness of this data for any particular purpose. Third party links are provided solely as a convenience and do not imply an affiliation, endorsement or approval by Empower of the contents on such third party websites. Certain sections of this blog may contain forward-looking statements that are based on our reasonable expectations, estimates, projections and assumptions. Past performance is not a guarantee of future return, nor is it indicative of future performance. Investing involves risk. The value of your investment will fluctuate and you may lose money. Advisory services are provided for a fee by either Personal Capital Advisors Corporation ("PCAC") or Empower Advisory Group, LLC (“EAG”) depending on your specific investment advisory services agreement. Both PCAC and EAG are registered investment advisers with the Securities and Exchange Commission (“SEC”) and subsidiaries of Empower Annuity Insurance Company of America. Registration does not imply a certain level of skill or training. © 2023 Empower Annuity Insurance Company of America. All rights reserved. “EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America.

“EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. ©2023 Empower Annuity Insurance Company of America. All rights reserved.