How to Save Money Food Shopping

With food prices rising, here are 19 ways to optimize your shopping dollars at the grocery store

Person looking at produce at the grocery store. Photo: Getty Images

Karin Hasch Gee of Tulare County, Calif., tries a cartful of money-saving tactics when she grocery shops these days. She avoids pricey processed foods. She buys cheaper cuts of meat. She’s switched to store brands from pricey name brands, and eats fruit for dessert—not cake. She and her husband even reuse coffee grounds, topping them off with fresh grounds before brewing—with a pinch of salt to mask the bitterness.

Some steps—like hunting for weekly sale items—are practices the Gees abandoned during more flush times. But, Gee says, "we’ve had to start using them again."

And that’s no wonder. The food we eat at home has risen in price by 10.1 percent between May 2021 and 2022—the highest increase in more than 40 years, according to the Bureau of Labor Statistics’ most recent Consumer Price Index report. Processed food prices have risen even faster than that average: Bacon, sausage, and related products were up 15.6 percent; frozen and freeze-dried prepared foods rose 15 percent; margarine prices ballooned 25 percent.

More on Grocery Stores & Supermarkets

What’s more, it could be a while before prices come down, or even just level off. Even with the Federal Reserve’s recent 0.75 percentage point interest-rate hike—intended to dampen inflation—other forces could keep food prices high, experts say.

Burt Flickinger III, managing director at Strategic Resource Group, a retail consulting company based in New York, notes that the Russia-Ukraine war has not only raised U.S. gasoline prices—affecting the processing and transport of food—it also threatens Russian imports of grain and fertilizer, which could affect this year’s crops.

“If farmers let their fields go fallow because they can’t get fertilizer, that’s going to depress the supply and increase prices for food that much more, especially for grains, fruits, and vegetables,” Flickinger says. As a result, he expects consumers could see additional increases in grocery prices—perhaps another 15 percent—by early fall.

“For at least the next year, people are going to have to strategize to save money on groceries,” Flickinger says.

Finding Tactics That Work

Use these tactics from experts and CR’s Facebook followers to shave dollars off your bill. Some not only will save you money but also could lead you to healthier eating.

1. Find alternative protein sources. Prices for dried beans, peas, and lentils have gone up 10.5 percent in the last year, but that’s less than the double-digit rises seen for most animal proteins. (Fresh and frozen chicken parts, for instance, are up 19.3 percent.)

In spite of their price inflation, beans and other legumes remain a good nutrition bet, says Amy Keating, RD, a registered dietitian who oversees Consumer Reports’ food testing. “They are linked to many health benefits, are inexpensive, and are a great alternative source of protein,” she says. Check out CR’s ideas for other tasty meatless options.

Adding more egg-based recipes to your repertoire is another option, Keating says. Though eggs have risen in price by nearly a third in the past year, they’re still a relatively inexpensive protein and are extremely versatile.

2. Frequent low-cost grocers. More than a dozen grocers around the country received high marks for price competitiveness in Consumer Reports’ survey-based ratings of grocery stores and supermarkets. (Flickinger gives a particular shoutout to membership clubs BJ’s and Costco, which, in addition to keeping their inventories high at a time when most grocers are struggling to fill shelves, are keeping price increases lower, thanks to the big volume discounts they receive from suppliers.) If you can get into, or know someone with access to, the Department of Defense’s Commissary, take advantage. Commissary, which serves active and retired military personnel, strictly limits its markups. (Eligibility to this nationwide grocer was expanded in January 2020.)

3. Plan before you shop. Make a list and stick to it. This can reduce your impulse purchases and save time. A good place to start is perusing grocery circulars, which typically are available online. “If you can save $30 by spending 15 minutes looking at grocery ads, is it worth it?” asks Annette Economides of Scottsdale, Ariz., who with her husband, Steve, runs the website MoneySmartFamily. “I certainly think it is.”

4. Use a store loyalty card. Most grocery chains’ loyalty programs offer special member deals. Some, notably those of Safeway and Stop & Shop, also let you build rewards toward gas purchases at affiliated gas stations.

5. Utilize shopping apps. Download your favorite store’s app to find this week’s sales and coupons. Also look into independent apps; three we like are Basket, Ibotta, and Flipp. Basket shows real-time grocery prices online and in-store at local grocers, so you can see where to shop for the best deals; it crowdsources its data, the same way a traffic app like Waze works. Ibotta and Flipp both identify manufacturer promotions and coupons, and offer direct rebates after you buy from a participating retailer.

6. Compare unit prices. Unit price shelf stickers under each product can help you better compare prices of like items. But if the store doesn’t have the stickers, download a unit price calculator on your smartphone to do the work for you: We found free ones for both iOS and Android phones.

7. Go with store brands. Manufacturers of store-brand products—also called private label—are having some of the same supply-chain problems finding raw materials that brand manufacturers are having, Flickinger says. Nonetheless, when you can find store-brand foods and beverages, they can cost 20 to 25 percent less than name brands of the same product. (When CR members were surveyed about the grocery stores and supermarkets they liked best, three grocers earned top marks for their store brands: national names Costco and Trader Joe’s, and Central Market, which is based in San Antonio and is a subsidiary of the privately owned H-E-B supermarket chain.) You can often find store brands on shelves just to the right or left of comparable name-brand items.

8. Use a cash-back credit card. Some offer rewards for grocery purchases. If you’re looking for a new one, consider the American Express Blue Cash Preferred card; it returns 6 percent on the first $6,000 in groceries each year, among other benefits. The card is currently offering a $300 rebate for spending $3,000 in the first six months, and the $95 annual fee is waived for the first year. Keep in mind that you may need a credit score of 700 or higher to qualify, says Ted Rossman, an industry analyst at CreditCards.com. The annual percentage rate on this card ranges from 14 percent to 24 percent, so it’s best to use it only if you can pay off your balance each month.

9. Embrace coupons. Stores may double or even triple the value of manufacturers’ coupons at checkout. In the Northeast, for instance, Stop & Shop doubles manufacturers’ paper coupons every day (restrictions apply).

10. Focus on reducing food waste. A four-person family could lose at least $1,500 per year on wasted food, says the Natural Resources Defense Council. Check out the organization’s SaveTheFood hub for numerous tips and tools on how to reduce food waste and save money, and read in CR how an expert optimizes the items in her fridge and pantry. Also, use the free FoodKeeper app from the Department of Agriculture for guidelines on how to store foods.

11. Get senior discounts. Harris Teeter and Hy-Vee offer 5 percent discounts, either on specific days or when you present a special store ID card. Fred Meyer and New Seasons Market discounts are 10 percent. In some cases, you can be as young as 55 to qualify; in other cases, you’ll need to be at least 60. The discount may be available only on certain days or on select items.

12. Buy in bulk. When 10 cans of your favorite soup go on sale for $10, it’s always wise to load up. And larger packages often have lower per-unit pricing. WinCo Foods, based in Boise, Idaho, is one notable vendor of such products, selling low-cost bulk barrels and bins of dried fruits, pasta, spices, snacks, legumes, nuts, candies, and other items.

13. Barter and share. If you buy in bulk or find yourself with more of some items than you need, consider trading with neighbors and friends. Economides says she has bartered the citrus that grows on her property for food from folks she has found through a local Facebook gardening group. Early in the pandemic, for instance, she got a carton of eggs, which had been hard to come by, in return for oranges and rosemary that grow on her property. “It was a great deal for me,” she says.

14. Track prices. For a few weeks, record prices of the items you buy the most when food shopping. You’ll be able to find the best prices for specific goods and can stock up when a true price drop happens. Price-tracking also helps you see when a “10 packages for $10” sale really is a sale and not just a come-on.

15. Do the math on grocery delivery annual memberships. If you expect to use grocery delivery on a regular basis, calculate the value of an annual membership before you sign up. For instance, Instacart Express costs $99 per year; you pay no additional delivery fee if your orders cost $35 or more. Minimum order fees are $3.99 outside of Instacart Express, so you’ll break even on the annual fee after 25 orders. (Over a year of use, that means you order about every two weeks.)

Alternatively, skip the delivery altogether and opt for pickup, which is typically free, though you may want to tip the person who loads your car. While Walmart’s annual delivery fee is $98 after a 15-day free trial, its pickup is free and its employees do not accept tips.

16. Look for “as is” items. The overripe bananas you’ll find at a discount could be perfect for homemade banana bread. Learn where stores have their clearance sections, Economides says.

17. Grow your own. Though it’s summer, it’s still possible in some parts of the country to plant pre-started veggies in a summer garden and get yields into the fall. Yvette Beltran-Southwell, who lives north of Dallas, says her family grows rosemary, English thyme, two types of oregano, sage, Italian parsley, basil, and numerous other herbs to economize and reduce food waste. “I have a garden, but even when we were in a town house with limited space, I grew herbs outside in containers,” she says. Homegrown plants also last longer than bunches purchased at the store and refrigerated, she says. And of course, they regenerate throughout the growing season.

18. Get creative with how you use, store, and eat food. “We choose recipes that are more plant-based, with meat as a side dish,” Beltran-Southwell says. “On occasion we have breakfast for dinner because it’s fun and cheaper.” Linda Test of Mena, Ark., supplements meat servings with lentils and beans, and eats vegetarian twice a week, and uses up fresh fruits and vegetables in the order they go bad. “Salads and spinach are first,” she says. “Carrots or rutabaga are last.”

19. Use your freezer right. Freezing large quantities of sale and seasonal food saves the average family of four $2,000 per year, Economides says. “Buying fresh blueberries in season, and stocking your freezer, is so much better than paying two to three times that rate for frozen blueberries year-round,” she says. The Economideses even freeze milk and cheese. Every 30 to 60 days, they check the freezer and build menus based on what’s there.


Tobie Stanger

I cover the money side of home-related purchases and improvements: avoiding scams, making sense of warranties and insurance, finding the best financing, and getting the most value for your dollar. For CR, I've also written about digital payments, credit and debit, taxes, supermarkets, financial planners, airlines, retirement and estate planning, shopping for electronics and hearing aids—even how to throw a knockout wedding on a shoestring. I am never bored. Find me on Twitter: @TobieStanger