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Do you wonder why you never have enough money to save some? Why there’s always so much month left at the end of the money? Maybe it’s time to consider that you’ve been handing over your savings to local restaurants, drive-thrus, diners and coffee shops. Think about it.

man-holding-empty-wallet

What if you didn’t eat out so often? What if you were strategic in buying basic ingredients and then cooking great meals at home? What if you had more of your money tucked away in savings rather than in the coffers of local eating joints?

No matter your lifestyle, I am confident that with the right strategies, you really can reduce the amount of money you spend on food in order to have more money to save—and still eat healthy, satisfying meals.

MORE TIME THAN MONEY

If yours is a single-income household struggling to survive in a two-income world, keeping food on the table and the bills paid can be quite a challenge. The good news is that time is on your side. The one not working outside the home has the time—it takes time to carry out the best strategies—to keep the cost at rock bottom without sacrificing quality.

MULTIPLE STORES. All grocery stores and supermarkets have tremendous weekly sales—even Whole Foods and Sprouts. And they announce these details in their weekly flyers—in print and online.

MORE: 25 Ways to Chop Your Food Bill

EAT THE SALES. Buy only loss leaders and items that are on sale. You won’t starve and you’ll have a huge variety of food items to choose from and in every department. All food stores, even Whole Foods and Sprouts, have weekly sales. When your budget is really, really tight don’t give in to the temptation to buy more just because it’s on sale.

COUPON LIKE CRAZY. Matching coupons to sales is the best weapon you have against rising food costs. There are free websites like CouponMom.com that will hook you up with the best coupons out there—and teach you how to use them to your best advantage.

BECOME AN EXPERT. Invest five weeks and $39 in Erin Chase’s Grocery Budget Makeover! (she’s the $5 Dinner Mom). You’ll gain expert status in no time—and recoup the cost the first five minutes you put this valuable information to work. Registration for the class closes soon, so if you’re interested, do not delay.

LITTLE TIME, TIGHT BUDGET

For dual-income families with kids, time becomes an especially valuable commodity. It’s scarce. Both of you work full-time jobs. Kids are in school plus all of their extra-curricular activities.

Then there’s church and weekends filled with sports and just playing catchup to get ready for the next week. You don’t have time to visit every store; to take advantage of a variety of sales. But money is still really tight, which makes the challenge even greater.

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