Top Ways to Save on Groceries and Retail
Your grocery bill is one of the largest and most flexible parts of your monthly budget. With the right strategies, you can easily trim 10 to 25 percent off your spending without changing the quality of the food on your table. It all comes down to smart planning and taking advantage of the programs designed specifically for you.
Master the Senior Discount Day
One of the easiest ways to get an instant discount is to shop on a designated senior discount day. Many national and regional grocery chains offer a special day of the week, typically a Tuesday or Wednesday, where shoppers above a certain age (usually 55 or 60) receive a percentage off their total bill. This is a key question to ask: what grocery stores offer a senior discount day?
Chains like Fred Meyer, Harris Teeter, and Hy-Vee have been known to offer these programs, but availability and rules can vary dramatically by location. The most reliable method is to call your local stores directly and ask the manager. Inquire about the specific day, the age requirement, and any exclusions (like alcohol, tobacco, or prescriptions). Once you know the schedule, plan your big weekly shopping trip for that day to maximize your savings.
Build Your AARP Discount Arsenal
An AARP membership is one of the most valuable tools for frugal living. For a small annual fee, you gain access to a vast network of discounts. It’s essential to browse the complete AARP discounts list on their website, as new partners are added all the time. For everyday shopping, this can translate into real savings.
For example, AARP members can get exclusive points and deals at Walgreens. You can also find discounts at retailers like Tanger Outlets and The UPS Store. Before you make any significant purchase, from a new pair of shoes to a gift for a loved one, make it a habit to check the AARP app or website. You might be surprised to find a discount at a store you already frequent.
Clip, Click, and Save with Coupons
Coupons are a timeless way to save money, and they are now available in more forms than ever. You can still find great deals in the Sunday paper, but the digital world has opened up a universe of savings. Most major grocery stores, like Kroger and Safeway, have their own apps where you can “clip” digital coupons directly to your loyalty card. These are applied automatically when you check out.
Don’t be afraid to “stack” your savings. This means using a store coupon on top of a manufacturer’s coupon for the same item. Combine this with a sale price and a senior discount day, and you can achieve incredible savings on a single shopping trip. It takes a little planning, but the payoff is well worth the effort.
Join Every Loyalty Program
Nearly every retailer, from the supermarket to the pharmacy, has a free loyalty program. If you shop at a store more than once a month, you should be a member. These programs offer member-only pricing, accumulate points that can be redeemed for cash off future purchases, and send you personalized coupons based on your shopping habits. Signing up is usually as simple as providing your phone number or email address at the register. It’s a zero-cost way to ensure you’re always getting the best price available in that store.
Embrace Store Brands
One of the simplest switches you can make to lower your grocery bill is to choose store brands (also known as generic or private label) over name brands. There’s a common misconception that store brands are of lower quality, but this is rarely the case. Many are produced in the same facilities as their more expensive counterparts. For pantry staples like flour, sugar, canned vegetables, and pasta, the difference in taste is often unnoticeable, but the difference in price is substantial. Try swapping out a few items on your next trip and see the savings add up.
For consumer advice and protection against bad deals, consult the CFPB. Major discount programs are often detailed by AARP.
