This post is originally shared inside Traders Lounge Facebook group by Gandakoh in the hope of increasing financial literacy. This article includes some comments from TL members kind enough to share their knowledge.
As part of our Financial Literacy Topic lets talk about groceries/shopping saving tips.
Sa tingin natin di ito important but it actually is. Yung mga big expenses like buying a car or buying a house yung lagi natin tinututukan but the truth is yung mga petty expenses yung grabe effect sa finnces natin.
This topic I would be needing ur help since mas marami kayo alam na mga tips at magic tricks sa pgsave sa groceries at shopping. The funny thing about financial literacy is akala ng karamihan its all about emergency funds at investment. Its not. Its all aspects that has anything to do with our finances.
Dito sa TL since wala naman tayo binebenta aayusin natin financial literacy topic natin. Yung mapapakinabangan natin talaga.
Ok let me start the ball rolling.
Tip: Never go shopping or buy groceries kapag gutom. Kapag gutom ka you tend to buy things on impulse. Same reason bakit amoy bread or lechon sa grocery stores lagi. That’s part of making u hungry para mg impulse buying kayo.
Tip: Go to movies with family but buy groceries alone. You will be very efficient doing it.
Tip: bring calculator. I always have a calculator sa bag. Weird habit. Bring it pg nagshopping or nag groceries para ma compute mo prices. Sa mga may family make menus para kapag nag grocery ka specific mabibili mo.
Top comments from TL family...
“List down a grocery list to prevent you from making another grocery trip in case you forgot something. Buy in bigger portion, bottle etc kasi mas mura kesa tingi.”
-Mary Hope Ureta
“Those goods placed at the shelves at eye level are usually heavily marketed and thus, usually a bit more expensive. Try looking sa bottom shelf or sa taas for alternative goods and they’re more likely to be a few cents or pesos cheaper.”
“Pay using paymaya when doing groceries. Sulit ang cashback.”
“I do my groceries alone, hindi ko sinasama si hubby kasi mainipin tapos kung ano ano ang dinadampot hindi ko rin sinasama kids kasi same with hubby ang dami rin dinadampot, i just asked them kung ano gusto nila or may need sila.. i sometimes love to do groceries with my sisters-in-law kasi we can compare things, budget, etc plus bonding na rin. I always have a grocery list para stick sa budget and para mabilis lang ako. Mag inventory na ko a day before kung ano kulang sa house. I do my groceries twice a month lang, tipid sa gas, sa time and all. I’m not a fan of doing groceries online para i can personally choose esp sa meat.”
-Shiena Roque Grifaldo
“As much as you can, Do not buy vegetables or fruits sa grocery, the price is doubled already. Palengke paden ang the best mamili ng gulay at fruits mas malaki masave mo.”
“As per my Mommy’s strategy,
1) Have a fixed Budget (sample, 1k, 2k a week.)
2) Then make a list na pasok sa budget.
3) always compute Price per gram/ml
4) as much as possible buy what’s only necessary.
skl, naka survive kami ng 1k/week for almost 15 years maski nagka inflation na fix pa din si mommy sa 1k/week pag grocery. nung hindi na kaya sa mall, nag chaga kami sa palengke dahil dun mas mura.”
“-in most groceries, eye level products are d most expensive. make sure to check ang nsa tuktok and nsa baba
-shelf arrangement: mas malapit sa expiration ang nsa unahahan, ung nsa likod ang malayo pa
-products on sale/promo, check plagi ang expiry. ang iba 1 wk na lg, xpired na.
-for bundled items, usually mix of fast and slow moving products. make sure na u’ll be using both. minsan d worth bilhin ung bundled kc wlang may gusto sa slow moving at mppmahal
-not necessarily a tipid tip, but when u have d option to buy local, go for it. mas direct makakatulong sa tao vs big companies who can afford to miss out few sales
-wants vs needs: read dz somewhere. if deciding to buy big purchase, dnt buy right away. give it a wk at least and after that time, decide and if it’s a yes – go buy and enjoy”
“Tip: i do not bring my wife with me.”
-BC R Salayog
“Hello ka TL. Since grocery is my me time din. Heres what I do. Ung madalas ko buy na items, I compare prices and encode sa excel file para madali monitor. So say if I go sa Robinson and mas mura oil mas dagdagan k. Say sa SnR mas mura gatas, ganun din bulk na. Sa Snr also what I do, lalo na mga B1T1 pix k para pag dating sa cashier macompare, minsan kc iba price pra less hassle din sa cashier. I also use my citibank cashback para 6% rebate. And use it after cut off as much as possible para may 50days pa bago pay. (If ayaw nyo excel, pix nalang ts gawa folder sa cp na GROCERIES. Para organize. Hope nakatulong.”
“Don’t buy meat at the grocery, they’re too expensive and they tend to be frozen. Look for a proper butcher in your vicinity and get them there. Buy your fruits and vegetables and spices sa palengke, much cheaper and they have faster turnovers. Even canned goods are cheaper sa palengke area. Breads and pastries sa friendly neighborhood panaderia ka bumili. For those hard to find spices, vegetables, fruits and whatnots, you should be aware of small specialty shops selling these. Get them there. Last resort lang ang grocery stores or supermarkets, parang if you want convenience lang talaga. Kung hinid lang traffic dito sa MM, sobrang sarap mag-hunt for special items in those tiny little dainty shops. You’ll be helping small businesses pa, let them flourish, hindi puro SM, Ayala, Rustan’s, or Robinsons mall na lang parati.”
“Make a grocery list before you go. This will help you remember all things you need to buy and will prevent you from overstocking the same item. You can also take a picture of you ref or pantry for a quick look if no time to make a list.”
And here's some good budget apps that can help you budget your expenses.
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