This month, I decided to try using cash only for groceries, with emphasis on trying.
With some health issues, bills, and less income, things are getting tight.
I’ve read so much about using cash only that I had to try this to see if it really works.
Going from using credit card to cash is challenging because I had to start planning out my grocery purchases more thoroughly.
I couldn’t just run out to the grocery store like I used to.
Instead, I had to put together my grocery list, the price of each item, and gather all of my relevant coupons. When I got to the store, I had to stick to my list as closely as possible.
What I wasn’t prepared for though, was the constant temptations at the store. I am always enticed to buy items not on my list! What an eye opener.
I drive 20 minutes to go to Whole Foods so if I’m there, I have to weigh out if I need that item now or if it can wait until my next trip. It’s a waste of gas to drive back if I only need one item.
So there’s a constant battle in my head. Can this wait or do I need this now?
It’s hard! Sometimes, I overbuy and other times I don’t buy enough. And if I run out and have to get it at a closer store, the item costs more!
But because I have a limited amount of cash with me, I always put stuff back. I do carry a little extra cash with me in case there’s an awesome sale on something I buy regularly. And I have seen a lot of great sales like buy one get one free deals, which I have advantage of.
What using cash only has done is helped me stick closer to our grocery budget and analyze buying habits.
This is only my first month of using cash for groceries so it will take some getting used to.
I only used my credit card for groceries 3 times this month, which is an improvement. And I enjoy seeing a lower credit card bill.
Do you use cash only to pay for groceries? What are your tips?
Photo Credit: JMR_Photography