5 Ways to Help Stick to Your Grocery Budget

Tracking Pixel5 Ways to Help Stick to Your Grocery Budget

An important part of every household budget is groceries. We all need to eat! The amount we spend on groceries can vary a lot from family to family. But, no matter how big a portion of your budget groceries take up, there are a few ways to make it a bit easier to stick to that budget.

Thank you to the Visa Clear Prepaid program and the Green Dot® Reloadable Prepaid Visa® Card for sponsoring this post as I share grocery shopping tips.

Make a List – The number one way to stick to your budget is to prepare a list before shopping. Just like it’s important to prepare your overall household budget, it’s important to prepare your shopping list. Looking through your store’s sales flier is a great way to start. Check out the loss leaders and plan your meals around those. Loss leaders are the items the store puts at super low prices. They got their name because they are items stores are willing to take a loss on to entice you to the store and hopefully buy more expensive items.

Don’t Shop While Hungry – We have all heard this one many times, but it’s true! Not only are those pricey desserts and snack food more tempting when we’re hungry, many of us don’t think clearly on an empty stomach. I know I tend to get lightheaded on an empty stomach and don’t make decisions as wisely as when I am full and have plenty of fuel for my brain.

Shop Alone – While this might not always be possible, you will generally buy fewer things if there are fewer people shopping. Everyone sees something that catches their eye that is begging to be put in the shopping cart, but if it is only you to deal with, eliminating those impulse purchases is much easier. You can also get through the store in less time – hopefully sticking only to what is on your list.

Assign Tasks to the Kids – If you must shop with your kids, let them be helpers rather than distracters. Give them their own simple list and tell them it’s their job to spot the items on their list as you go through the store. For little ones who can’t yet read, use pictures or grab a few items from their play kitchen and ask them to find matches in the store.

Use a Prepaid Card – By using a card like the Green Dot® Reloadable Prepaid Visa® Card you can set aside the exact amount you want to spend on groceries and load it to your card. That way you are restricted to only spend that amount without the possibility of making an error and going over your budget. The Green Dot card is easy to use and, as part of the Visa Clear Prepaid program, it clearly communicates its monthly fee plan. So, you’ll know when you pay a fee and when you won’t.

Grocery Cart Gren Dot

You can get your own Green Dot® Reloadable Prepaid Visa® Card at a local retailer like CVS, 7-Eleven, Kmart, Family Dollar, Dollar General, Rite Aid, Walgreen’s, Walmart, etc, or you can get one online. There are several ways to add funds to your Green Dot card. You can add cash at a local store, reload a card with a check at Walmart, or reload online with money from another Green Dot card or a bank account, all for a small fee. With the funds on your prepaid card, you can then shop online, pay bills, and make everyday purchases at stores, restaurants or anywhere Visa® debit cards are accepted in the U.S.

Some features of the Green Dot® Reloadable Prepaid Visa® Card:

  • No overdraft fees.
  • No credit check to get a card. No minimum balance.
  • Withdraw money for free through a nationwide network of 24,000 MoneyPass® ATMs.
  • Keep track of your spending with a mobile app or text them for your balance.
  • Shop everywhere Visa® debit cards are accepted in the U.S.

Green Dot® Reloadable Prepaid Visa® Card

Besides all of these convenient features, as part of the Visa Clear Prepaid program, your Green Dot® Reloadable Prepaid Visa® Card also provides you with strong consumer protection including:

  • No overdrafts permitted so you can’t incur fees or spend more money than you have
  • FDIC deposit insurance to protect your funds
  • Easy to understand fee plansVisa’s Zero Liability[1] fraud protection, providing added security if your card is lost or stolen.

When you get to the end of the month, you can easily see how much of your grocery budget is left with the Green Dot card by checking the app or via text. You can take those extra funds to buy a treat for the family, or maybe splurge and spoil yourself with a little end-of-the-month bonus for being a smart shopper.

Check out the Green Dot® Reloadable Prepaid Visa® Card HERE  and let us know how it can help YOU stick to your budget!

This is a sponsored post written by me on behalf of the Visa Clear Prepaid program and Green Dot® Reloadable Prepaid Visa® Card.

[1] *Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

thriftyjinxy@live.com' About Chrysa

Chrysa is the founder and owner of ThriftyJinxy.com, a site dedicated to living a fabulous life on a frugal budget. Her approach is that by spending less on the boring everyday stuff, you can have more money to splurge on the things you REALLY want, whether it’s travel, fashion, electronics – you name it! Chrysa is married, has a 8-year old nephew she dotes on, as well as three lovable cats and a big sweetie of a German Shepherd.


  1. Great info on how to stick to a budget!! The pre-paid visa makes a lot of sense!

  2. A prepaid card is a great idea for sticking to a grocery budget. I’m always grabbing things that I don’t need.

  3. These are great tips. I’m terrible about not sticking to my list. I’ll go in for a few things and come out with a cart full.

  4. Not shopping while you’re hungry is important. I always leave with too much food when I do.

  5. I NEVER shop while hungy. Every time I have I end up with three extra bags of food!

  6. These are all great tips to sticking to a grocery budget. I usually make a list but sometimes I forget and leave it at home. Not shopping while hungry is great advice.

  7. These are great tips! I could always use new ways to save money.

  8. Great tips! I never thought of using a PrePaid Visa to help stick to a budget. That totally makes sense though! I always make my weekly grocery list out according to each meal we will have throughout the week (including snacks and drinks) and I try to never add more than 2 items not on the list.

  9. I am so guilty of shopping while hungry!! Great tips Chrysa!!

  10. These are great grocery tips! I definitely can see how a prepaid card would help you stick to your list!

  11. Making a list is such a great idea! I feel so lost when I go without a list and always overspend.

  12. Annb10@rogers.com' Ann Bacciaglia says:

    These are great tips. I find it hard to stick to a budget with two teenagers. I need to start bringing a list.

  13. pumga69@gmail.com' Lisa Bristol says:

    I can not shop without a list. I would definitely overspend if i did not bring one.

  14. Do you know if the Green Dot® Reloadable Prepaid Visa® Card would also be helpful for traveling, so you don’t have to carry a ton of cash and these can have a stop put on them if they are ever lost or stolen, am I right?

  15. Haha, I need these tips. I always get tempted and buy things that aren’t on my grocery list.

  16. Great tips especially not shopping when hungry! The idea of using a prepaid card for grocery budgeting is genius!

  17. Great tips! I tend to overspend so I send my husband and he sticks to the budget. I make lists, and he sticks to them… Me, not so much all the time.

  18. Shop alone is a big thing. When hubs or kiddo go they beg, whine and throw stuff in the basket. So instead of $100, we are now at $200 and he complains that we spend too much money on food.

  19. hI would love to shop alone just for the peace and quiet. Using a prepaid card would be a big help for me staying on budget. Got to try that!

  20. These are great tips. I find that making a list really helps and I never shop when hungry!

  21. These are great tips. I am so guilty of shopping when I’m hungry and spending too much!

  22. I am always looking for ways to keep to the budget. I go over if I’m just going in to get strawberries. -_-

  23. Great tips! The grocery store budget is the hardest for me to stick to.

  24. Shopping without the kids saves me a lot! I try to stick to my list too!

  25. Great ideas! We are always looking for ways to save money when it comes to the grocery store!

  26. krystal@krystalskitsch.com' Krystal's Kitsch says:

    I love prepaid cards. I never have to worry about overspending. It helps me separate finances too.

  27. Super great tips! Will try to transition into this way of thinking! 🙂

  28. azalea4150@gmail.com' Nicole G says:

    I always make a list and I TRY not to shop while hungry. Good advice to shop alone! My husband ends up throwing so much in the cart that wasn’t on our list and destroys the budget lol.

  29. I always take cash for groceries. That way, I can’t “impulse buy.”

  30. Great tips for frugal grocery shopping. I always pay with cash – that way I can’t go over budget.

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