30 tips to help you eat for less – Clockwise Credit Union (2024)

According to 2021 figures, the average UK household (2.4 people) spends around £97 a week on food.

If you’re food shopping on a budget, you’ll want to make sure the food you buy goes as far as possible.

In this post, we’ll give you practical advice that will help you eat for less.

How to prepare for your food shop

Like many things, food shopping on a budget is easiest if you do a little planning.

Here are some simple things you can do before you shop that will help with food budgeting and reduce what you spend.

1. Get a loyalty card

If you don’t already have one, consider getting a loyalty card for the supermarket you use most often. Scanning your card with each shop will help you build up points that you can exchange for vouchers towards your shopping.

2. Check your fridge, freezer and cupboards

Before buying more food, do a stocktake and check the expiry dates. This will help you plan your food shop better and avoid doubling up on items you already have.

3. Use up leftovers first

After you’ve checked your fridge, freezer and cupboards to see what you have left over, make a plan to use these items first. Decide what ingredients you’ll need to make your leftovers into a meal and add them to your shopping list.

4. Plan your meals in advance

Before you do your weekly food shop, plan how many meals you’ll need to prepare for each day and evening and how many portions you’ll need.

Remember to include breakfasts, packed lunches and evening meals.

5. Be flexible

We all have weeks when our plans might be variable, so allow for some flexibility.

Keep some food in the freezer in case you need an extra meal. And buy some fresh food that can be frozen if you find you’re not going to use it.

6. Make a loose shopping list

A loose shopping list gives you more freedom when you’re shopping. This means you can take advantage of special offers and discounts.

For example, writing down meat instead of beef or chicken gives you the option to see what’s on sale.

7. Check if you have vouchers to redeem

If you’re a supermarket loyalty cardholder, you may receive coupons at the till or via your smartphone app. These coupons will give you discounts on certain products next time you shop.

If you plan to use the coupons, keep them safe in your purse or wallet and check them before you shop so you remember to buy the items.

How to do your food shop

Now you’re ready for your food shop, you can go out, or log in, and get it done.

Here are some tips to help you stay focused, avoid those shiny impulse buys and stick to your food budgeting plan.

8. Eat before you shop

Studies show that you buy more if you shop when you’re hungry. Eating beforehand will help you stay focused on what you really need and avoid picking up extra items.

9. Shop online

Shopping online makes it easier to stay focused and stick to your list. There are fewer distractions and temptations, so you can avoid those impulse buys that will bump up your bill.

And because you do the shop in advance of collecting it or having it delivered, you have the time to change it and delete any items you decide you don’t really need.

10. Check for discounts

Supermarkets usually sell off food that’s going out of date that day. If you can use or freeze the marked down items before they expire, you can get some good deals.

Further special offers can usually be found on the ends of the aisles.

11. Buy food to cook from scratch

When you’re food budgeting, it’s much cheaper and healthier to buy raw ingredients than pre-prepared convenience foods and ready meals.

Keeping a stock of cupboard and fridge essentials makes it easy to supplement your ingredients and put together a meal.

Good cupboard essentials to have include:

  • Dry rice and pasta
  • Dried pulses, such as lentils, beans and peas
  • Tinned vegetables, especially tomatoes
  • Dry herbs and spices
  • Cooking oil
  • Plain flour
  • Cheese
  • Eggs
  • Milk.

12. Buy whole vegetables

Whole vegetables and salad items are often much cheaper than pre-prepared ones — and they keep longer, too.

In some stores, you can grab a bag for smaller items and fill it with just what you need. This means there’s less chance of wasting anything.

13. Limit how much fresh food you buy

Fresh food is at its freshest on the day you buy it. So it makes sense to buy it every couple of days as you need it — if you can.

Fruit and veg that’s past its best can often still be used. Keep reading to find out how.

14. Try the supermarket’s own brands

One of the simplest food budgeting tricks is to switch to your supermarket’s own brand products.

Supermarket own-brand foods can be just as good — and sometimes better — than the big brands. And they’re much cheaper, too.

If you’re wary about taking the plunge, read the reviews online and see what other shoppers have said before you buy.

15. Buy in bulk

If you want to eat for less, it’s often cheaper to buy food in larger packs or to take advantage of buy-one-get-one-free offers.

If you can afford to, and you have the storage space, this can be a good way to save money.

How to prepare food and save money

Food budgeting doesn’t stop when you’ve done your shop. When you get your food home, you’ll want to make the food you’ve bought stretch as far as possible.

Here are some ideas to help you.

16. Be wise about portion size

Many of us cook more food than we really need. This means we either eat too much or end up wasting food.

The BDA’s Portion Sizes Fact Sheet is a simple guide to help you portion your food properly so you’re only preparing what you actually need.

17. Prep your meals in advance

We all have those days when we’re tired and can’t be bothered to cook. But you can save yourself time and effort by prepping several meals in one go.

Preparing your meals in advance means all the hard work is done — and there’ll be less washing up to do after you eat.

It’s also the best way to use up all your ingredients and avoid the temptation to spend more money on takeaways or eating out.

18. Cook in bulk

If you buy in bulk, you can also cook in bulk. Make double portions of your meals and freeze half for another day. This means you’ll always have something on hand that’s ready to reheat at short notice.

This can be particularly useful if your plans change, you’re late home or you have an unexpected guest for dinner.

19. Pack your own lunches

Packing your own lunches is much cheaper than buying ready-made. And it can be healthier too.

For example, you could pack your own:

  • Soups
  • Salads
  • Sandwiches
  • Cold leftovers.

How to avoid wasting food

It’s estimated that the UK throws away around 9.5 million tonnes of food every year. This is shocking — especially when you consider that 8.4 million people in the UK are living in food poverty.

Here are some tips to help ensure the food you buy ends up in your stomach rather than your waste bin.

20. Check the temperature of your fridge/freezer

Making sure your fridge and freezer are set to the correct temperature will help to keep your food fresh and at its best.

According to Currys, the ideal temperature for your fridge is between 3ºC and 5ºC and your freezer should be –18ºC.

If your appliances don’t have a temperature display, you can use a thermometer to check them.

21. Freeze food at its freshest

You can freeze most foods, but the length of time you can freeze them for does vary. There’s a good breakdown of optimal freezing times over at Good Housekeeping.

If you’re going to freeze fresh food, do it as soon as you can so it freezes in the best condition.

For example, if you’re buying fresh bread, freeze what you know you’re not going to need straight away. This will mean it will still be like fresh when you defrost it.

22. Use by vs best before

When checking the dates on your food labels, make sure you understand the meaning of use by vs best before.

If your food has a use by date, it means the food may no longer be safe to eat after this date, so you should be cautious.

If your food has a best before date, it means the food is at its best quality before this date, but it will still be safe to eat if it has been handled and stored correctly.

Lots of people throw away food that’s past its best before date, but is still perfectly safe to eat.

23. Rotate your stock

If you have stocks of food in your house, you need to rotate them, just like the shops do. Pull your existing foods to the front of the cupboard or top of the freezer drawer and put the new ones behind or underneath them.

This will mean you use up the old stock first and all of your food stays at its best and within the expiry date.

24. Put leftover dinner in the fridge

Leftovers from dinner can often be used to make a lunch for the following day.

There are some foods you need to be careful with to avoid the risk of food poisoning. One of these is rice.

For advice on reheating your leftovers, see this post at BBC Good Food.

25. Use up leftover vegetables

Leftover vegetables can be used to make soups, stews or casseroles. Or you can pickle them and use them in your sandwiches and salads.

If they’ve gone a bit soft, roasting them in the oven will help to crisp them up. Then you can either serve them as they are or make them into a healthy soup.

26. Use up leftover fruit

If you have fruit that’s gone past its best, you can stew it and freeze it. The stewed fruit will keep well in the freezer and can be used at a later time to make pies, crumbles and other desserts.

And there are lots of recipes to use up leftover and overripe bananas in your fruit bowl.

27. Use up stale bread

Bread that has gone stale can still be used for toast and other recipes, such as:

28. Save your vegetable scraps

You can save any vegetable scraps to make your own vegetable stock. This can include anything you discard after prepping your vegetables, including tops, tails, peelings, skins, stalks and stems.

Collect up the scraps each time you prepare your vegetables. Wash them thoroughly and keep them in the freezer until you have enough to make your stock.

The stock can be used as a base for soups, sauces, gravy and risotto. Once made, it will keep in the fridge for up to four days or in the freezer for up to three months.

29. Save your citrus fruit skins

Skins from citrus fruits, like oranges, lemons and limes, can be stored in the freezer, then used to make candied peel. This can be used to add a citrusy twist to your fruit cakes, muffins, cookies and desserts.

The peel can also be used to make flavoured gin or vodka.

30. Join OLIO to help reduce food waste

OLIO is an app that allows neighbours and local businesses to donate their spare food items to people in need.

If you have food you’re not going to use, you can post it on the app. And if you find yourself in need, you can check the listings to see what’s available in your area.

Have you made a food budgeting saving?

If our food budgeting tips have helped you eat for less and save some money, you might be wondering what to do with it.

Clockwise Credit Union offers a number of savings accounts. You can pay what you save into one of these accounts each month and watch it grow.

How you use your savings is up to you. Keep them for emergencies or save towards something you really want, like a holiday or car.

Some accounts give you instant access to your money, so you can withdraw it when you need to, without any penalties. This can be handy if you need it to cover the cost of an unexpected repair.

About Clockwise Credit Union

Clockwise Credit Union is one of the UK’s most exciting, dynamic and fast growing financial co-operatives.

We help members in Leicestershire, Rutland, Northamptonshire, Coventry and Warwickshire with a range of loans and savings accounts.

30 tips to help you eat for less – Clockwise Credit Union (2024)

FAQs

How to save money when money is tight? ›

11 Ways to save money on a tight budget
  1. Tracking expenses. Expense tracking is key to making budgets work. ...
  2. Identifying essentials. ...
  3. Setting achievable saving goals. ...
  4. Strategic shopping. ...
  5. Clamping down on household costs. ...
  6. Stopping impulse buys. ...
  7. Prioritizing high-interest debt. ...
  8. Consolidating debt.

How to save money in a credit union? ›

There are several ways you can save with a credit union – via local collection points, by direct debit or by having money deducted directly from your wages. Some credit unions offer a fixed rate of interest on savings, but most give you a yearly pay-out called a 'dividend'.

How to live on a tight budget in the UK? ›

50 frugal money-saving tips
  1. Plan meals.
  2. Choose cheaper recipes.
  3. Make a shopping list.
  4. Don't shop when you're hungry.
  5. Visit cheaper supermarkets.
  6. Buy supermarket own-label products.
  7. Eat less meat.
  8. Buy in bulk – but only if you'll use it.

How to live on a tight budget? ›

13 ways to save money on a tight budget
  1. Focus on small changes in various budget categories.
  2. Automate your savings into a high-yield savings account.
  3. Earn interest on your checking account.
  4. Use those three-payday months to save more.
  5. Keep a budget.
  6. Shop around for insurance rates.
  7. Refinance your mortgage.
Oct 19, 2023

What is the 50 30 20 rule? ›

The 50-30-20 budget rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must have or must do. The remaining half should dedicate 20% to savings, leaving 30% to be spent on things you want but don't necessarily need.

What is the 10 rule for saving money? ›

Key Takeaways:

The 60/30/10 budgeting method says you should put 60% of your monthly income toward your needs, 30% towards your wants and 10% towards your savings. It's trending as an alternative to the longer-standing 50/30/20 method. Experts warn that putting just 10% of your income into savings may not be enough.

Should I keep all my money in a credit union? ›

Your money is safer in a Credit Unions hands because all accounts are federally insured up to $250,000 and backed by the U.S. government.

Is money safer in bank or credit union? ›

One question that often arises is, "Are Credit Unions Safer than Banks?" If you're looking for a short answer, you'll be happy to know that we're not making you read the whole post: Credit Unions and banks are roughly identical in safety because deposits at both are insured by the Federal government to $250,000.

What is one disadvantage of a credit union? ›

Membership required. Credit unions require their customers to be members. Account holders must meet eligibility requirements to use the products and services.

What is the cheapest food to live off of? ›

Cheapest Foods to Live On:
  • Oatmeal.
  • Eggs.
  • Bread.
  • Rice.
  • Bananas.
  • Beans.
  • Apples.
  • Pasta.

How to live extremely frugal? ›

So, frugal living is being wise with your money, time and other resources—which can look different for everyone.
  1. 12 Tips for Frugal Living. ...
  2. Choose quality over quantity. ...
  3. Prioritize value over price. ...
  4. Use credit wisely. ...
  5. Declutter regularly. ...
  6. Use a budget to guide your spending. ...
  7. Know the difference between wants and needs.
Jun 20, 2024

How to be frugal but not cheap? ›

15 Tips for Living Frugally Without Looking Cheap
  1. Eliminate monthly subscriptions.
  2. Shop for new insurance.
  3. Reduce prescription costs.
  4. Buy used items.
  5. Rent, don't own.
  6. Purchase at the right time.
  7. Buy high-quality products.
  8. Enlist your friends.

How to really save money on groceries? ›

How to Save Money on Groceries
  1. Redefine dinner. ...
  2. Crunch some numbers while you shop. ...
  3. Round up your grocery cost estimates. ...
  4. Raid your pantry. ...
  5. Think before you buy in bulk. ...
  6. Know when to shop. ...
  7. Start freezing and storing meals now. ...
  8. Pay with cash.
Jan 18, 2024

How to live super cheap? ›

What are some tips for being frugal?
  1. Create a budget and stick to it. Being frugal begins with this tip. ...
  2. Shop around for the best deals. Buy what you need from the first store you see, but don't just go to the first one you see. ...
  3. Buy used instead of new. ...
  4. Make your own stuff. ...
  5. Repurpose and recycle. ...
  6. Be patient.
Aug 22, 2023

How to stay positive when money is tight? ›

One of the best ways to do this is to practice gratitude. If you can find things each day to be grateful for, it can be easier to stay positive on a tight budget. Take time once a day to write down three things you're grateful for.

How do you stay calm when money is tight? ›

How to survive financial stress
  1. Stay active. Keep seeing your friends, keep your CV up to date, and try to keep paying the bills. ...
  2. Get advice. If you're going into debt, get advice on how to prioritise your debts. ...
  3. Do not drink too much alcohol. ...
  4. Do not give up your daily routine.

What to buy when money is tight? ›

Strategies for Grocery Shopping on a Tight Budget
  • Look for produce that's in season. Pay attention to seasonal produce; it will be fresh and generally cheaper.
  • Take advantage of weekly specials and sales. ...
  • Don't ignore the center of the store. ...
  • Consider canned fruits and vegetables. ...
  • Stay away from heavily processed foods.
Aug 1, 2024

How can I save money if I barely make anything? ›

11 Foolproof Ways to Save Money On a Low Income
  1. Create a Budget. ...
  2. Open a Savings Account or Savings Pod. ...
  3. Drop Unneeded Monthly Memberships. ...
  4. Take a Hard Look at Your 'Unavoidable' Expenses. ...
  5. Save Money on Food. ...
  6. Save Money on Utilities. ...
  7. Commit to Buying Nothing New. ...
  8. Change Where You Keep Your Money.
Jan 4, 2023

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