3 Ways You Can Save Money This Fourth of July

Life Style

Independence Day is upon us!

This time of year incorporates four of my favorite Fs: Fun, Food, Family, and Fireworks!

It’s also a great time to find a good bargain, which is useful if you want to have a bit of fun while still maintaining a tight budget.

Here at Financial Helpers, we’re always on the lookout for great deals we can pass on to you! No one should have to skip out on holiday fun.

Thankfully, this time of year is ripe with HUGE savings, but only if you know where to look.

Here are three key areas where you can save the most money:

1) Food

Ahh, summer. The time of barbeques and get-togethers. The 4th of July is a great time to get food at a decent price.

Meat is the main staple of any grilling activity, and stores love to stock up on this essential holiday food to meet the higher demand.

As we get closer to July 4th, many stores might think they have too much meat that won’t sell in time, so they’ll slash some prices to help it move faster.

Also, right now is the perfect time to get your hands on some fresh produce! July is the peak of the growing season, so there’s an abundance of amazing fruits and veggies ripe for the picking.

Produce is generally cheaper in the summer, so take advantage and stock up while you can.

2) Holiday Decorations

You don’t have to shell out a ton of money for holiday decorations. Most dollar stores have them for…you guessed it…a dollar! They’re every bit as good as what you’ll buy in the store, but a lot cheaper and more budget friendly.

3) Clothes

You might think that the middle of summer is the worst time to buy a swimsuit or summer clothing, but in a lot of cases, it’s the best time!

Believe it or not, Back-to-School is right around the corner, so stores put out good deals to get rid of their summer stock to make room for fall.

Summer clothing is usually the most expensive at the start of spring, so now is the perfect time to take advantage of lower prices.

Great deals are out there! You’ll just have to do a bit of research and keep your eyes open to find them.

If you can, wait until a day or two before the 4th to do your shopping, and keep the ads close so you can compare prices, you’ll definitely save a bit of cash and keep your budget in good order.

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5 Ways to Eat Healthy on a Tight Budget

Saving

If you’ve spent any time in college, then you know how to eat on a budget. Most of us can think back to Ramen-fueled study sessions and cold leftover pizza breakfasts. Even if you’ve never been to college, living on a tight budget makes it more difficult to get the proper nutrition we need to stay healthy.

As we get older, eating healthy becomes more important. The problem is, according to a Harvard study, eating green and clean costs about $1.50 more per day than buying garbage food. The food manufacturers love it! They can mass produce low-quality food at a cheap price, and when you’re on a tight budget, you might think that’s all you can afford.

There are ways to overcome this problem and still eat healthy, no matter your budget! With some planning and extra work, you can do it! Let’s dive right in.

1) Understand the Psychology of Food

This is a HUGE problem not many people know about. Food is big business, and like every other big business, they know how to get you to keep buying their product. They produce cheap products that offer little nutritional value. Have you ever sat down and mindlessly eaten a whole bag of chips while watching your favorite show?

These foods are cheap for a reason. Because they offer little nutritious value, they burn up quickly, send your energy levels plummeting, and leave you hungry. So, while it might not cost as much to eat this way, you’ll find yourself buying twice as much of it.

 

When you eat the right type of foods that nourish your body properly, you won’t be as hungry. You can eat less, spend less, and overall be healthier for it.

2) Follow the Seasons

Farmer’s markets in our local communities are becoming increasingly popular, and for a very good reason. You can get great produce at a cheaper price than you can find in the store. Why is it cheaper? It’s because the foods they sell are locally produced and are in-season. That cuts down on shipping costs and follows the law of supply and demand.

If there’s a certain food in-season right now, that means there’s an abundance of it and you can get it at a great price. On the flip side, it’s going to cost a store more money to ship in fresh strawberries from South America, so the price is going to be higher. Look up the seasonal foods in your area at any given time and enjoy the savings.

3) Have a Plan and a List

One thing stores LOVE to make money on are impulse buyers. These are the people who run in with a few things on their mind, but end up leaving with much more than they intended on buying. It goes back to point #1 about the psychology of food.

The layout of grocery stores is not random. They’re carefully designed following the law of Power of Perimeter. If you haven’t noticed, most of the stuff we need on a regular basis is found along the outside wall of the whole store. If you need a gallon of milk, you’re going to the very back to find it. Meats, breads, etc, are also on the outer perimeter.

With the most common products at the back of the store, it forces you to walk through the Little Debbie aisle and the frozen food section. They count on you seeing that one thing you know you shouldn’t buy and tossing it into your cart. Then, when it’s time to roll up to an aisle, there are plenty of other impulse items there as well.

Don’t fall for it! Don’t go to the store hungry. Take your time and actively plan out your grocery list. Clip coupons. Find great deals. It will take extra time, but you’ll save money in the end.

4) Do Your Own Prep

One of the more expensive aspects of grocery shopping includes buying products that have been already cleaned, cut, and prepared for you. This includes meats, fruits, and veggies. A tiny container of pre-cut fruit, while convenient, is much more expensive than just buying the whole fruit and cutting it yourself.

Instead of hitting the meat section of your store, go to a local butcher. Not only will your food be cleaner and not sprayed with chemicals to help preserve it, you can get more of it at a cheaper price. As part of your grocery regimen (planning/shopping/couponing), take the time after you shop to chop, cut, and prepare the foods yourself. You’ll save a lot of money.

5) Grow Your Own

If you have the space for it, there’s nothing better than growing your own garden. Yes, it takes work, but can be extremely therapeutic. Even if you live in an apartment, you can find a way to grow your own fruits and vegetables. There are a thousand ways you can research online to grow in various types of light, space, and circumstances.

Also, learning how to can is a huge asset. It may seem like a practice from a bygone area, but it has been roaring back to life in the past few years. People actually desire to grow clean, healthy food and to can it themselves and spare the extra preservatives and chemicals food companies add in.

Grocery shopping is one of our biggest expenses, and food isn’t going to get cheaper anytime soon. By learning how to shop properly and by taking these steps, you can improve the quality of the food you eat on any budget.

 

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