From sky-high egg prices to shrinking cereal boxes, grocery shopping has become a game of strategy. While inflation has cooled slightly, food prices remain stubbornly high—and new tariffs and “shrinkflation” (smaller packages for the same price) aren’t helping.
But don’t worry—you don’t have to live on ramen or peanut butter sandwiches to stay on budget. With a few smart habits, you can stretch your grocery dollars without sacrificing flavor, variety, or nutrition.
Plan your meals like a pro
Meal planning might sound tedious, but it’s one of the most effective ways to save money and reduce food waste. By mapping out your meals for the week, you’ll avoid last-minute takeout and impulse buys. Use a meal planning app, a notes app on your phone, or go old-school with pen and paper—whatever helps you stay consistent.
Build (and stick to) a grocery list
Once your meals are planned, create a detailed shopping list. Start by checking what you already have at home to avoid buying duplicates. Then, add only what you need for your planned meals and pantry staples.
Pro tip: If you’re prone to impulse buys, consider using curbside pickup. Ordering online helps you avoid temptation—and wandering the snack aisle.
Never shop hungry
It’s a classic mistake: shopping on an empty stomach. Suddenly, that $8 wedge of artisanal cheese feels like a necessity. Eat a snack or meal before you shop to help you make more rational, budget-friendly choices.
Skip the convenience premium
Pre-cut produce and ready-made meals are tempting time-savers, but they come at a cost. Buying whole fruits and vegetables, and cooking from scratch, is almost always cheaper. Plus, you’ll have more control over ingredients, which can mean healthier meals.
Give store brands a shot
Brand loyalty can be expensive. Many store-brand products are nearly identical to their name-brand counterparts—sometimes even made in the same factories. Compare ingredients and nutrition labels to make sure you’re getting a good deal without compromising quality.
Compare unit prices, not just stickers
A bigger box doesn’t always mean a better deal. Check the unit price (cost per ounce, pound, etc.) to find the best value. If math isn’t your thing, use a unit price calculator app to do the work for you.
Use loyalty programs and store apps
Sign up for your grocery store’s loyalty program and download their app. You’ll often unlock exclusive discounts, digital coupons, and rewards—like a free turkey during the holidays. Follow your favorite brands on social media or join their email lists for even more savings.
Buy in bulk—but be smart about it
Buying in bulk can save money, but only if you actually use what you buy. Avoid waste by portioning out perishables and freezing what you won’t use right away. Shopping with a friend and splitting bulk items is another great way to save without overbuying.
Grow your own groceries
Even if you don’t have a backyard, you can grow herbs, tomatoes, or leafy greens in containers or on a sunny windowsill. Start with foods you actually eat, and consider buying starter plants if seeds feel intimidating. It’s a fun, rewarding way to cut costs—and add fresh flavor to your meals.
Visit Fidelity Learn to get even more ways to save: Saving and budgeting money
Bonus tips to save even more
If you’re ready to take your savings to the next level, here are a few extra strategies that can help you keep more money in your wallet:
- Shop your pantry first: Before heading to the store, check what you already have. You might be able to build meals around ingredients you forgot you had.
- Time your trips wisely: Shopping mid-week or early in the day can help you snag markdowns and avoid crowds.
- Shop around: If you’re lucky enough to have several markets in the vicinity, there may be multiple options for savings. Find out which store offers the best deals on your favorite items and shop multiple stores to finish your grocery shopping.
- Use rewards credit cards: Some credit cards offer bonus rewards for shopping in certain categories, or you might get cash-back rewards to save and invest when you use the Fidelity® Rewards Visa Signature® Credit Card.
- Buy seasonal produce: In-season fruits and veggies are usually cheaper and fresher. Consider freezing extras for later.
- Explore discount and ethnic markets: These stores often have lower prices on staples and unique ingredients.
- Avoid single-serve packaging: Buy in bulk and portion snacks or yogurt yourself to save money.
- Bring your own bags: Some stores offer small discounts for reusable bags—and it’s eco-friendly too.
For even more tips, read Fidelity Smart Money: How to save money at the grocery store