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Eating healthy seems to be getting harder these days with busy schedules, a high cost of living and low wages, everything can feel like it’s against you making a healthy grocery list on a budget.

Getting the most for your money is always the ideal solution, so even if you aren’t “on a budget” trying to get the most for your money means that you have more cash to spend elsewhere.

But we care about our family’s health and nutrition and even feeding picky toddlers healthy meals can feel like a challenge when all they want to do is load up on Mc Donald’s nuggets and fries.

These 3 tips can help you get the most for your grocery budget and let you eat healthy foods without costing you a fortune.

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Many people at one point or another experience a reduction in their income. We’ve been there before. When my husband’s Army contract ended, we lost everything and it took about 2 years to gain it back and get ahead in life. Now we’re doing better than ever, but I’m a frugal gal at heart so even with an increase in income, we still live cheaply when possible.

For some, it may take longer to get out of poverty, and that’s okay. Setting the financial goals needed and taking the right steps to move up in life can take time, and any progress is progress.

Sometimes you may even have setbacks, God knows we had our fair share! But staying financially motivated is key to success, so stay true to the path and you’ll find your way.

But with so many financial struggles and crazy routines, how can you make healthy meals for your family WITHOUT loading them up on so many unhealthy foods?

Honestly, it’s pretty easy to make a healthy grocery list on a budget

The most important things to do are:

  1. Budgeting
  2. Meal Planning
  3. Food Portioning

If you can do those 3 things and do them well, then you’re golden. That being said, there are a lot of factors to consider for each as they aren’t so cut and dry. You should also note not to give too little attention to either category as they all play big roles in this adventure.

Grocery Budgeting

Before Making a Grocery List

Budgeting for your food is something that you should both start with and end with. You have to first determine how much money to spend and make your grocery budget so that you don’t accidentally spend too much.

By having an actual allotted amount of money for groceries and staying aware of it, you can be better at meal planning and forming your grocery list so that you don’t overspend. It also helps to keep you in line and avoiding impulsive purchases.

After Making a Grocery List

After you make your shopping list, add up the estimates totals and see if it is still within your budget. If it’s not, then figure out where you can trim costs. Most of the time you can save a few cents or bucks right off of the top by simply choosing a cheaper alternative (especially if you’re trying to save money on meat).

Some examples include:

  • Switching a beef roast for a pork roast. Pork is almost always cheaper than beef, and sometimes less than half the sticker price!
  • Choosing dark meat pieces of chicken, like quarters, thighs, or drum sticks can be a lot cheaper than chicken breasts.
  • An entire chicken (whole) can be cheaper than buying individual pieces
  • A beef chuck roast is cheaper per pound than a chuck steak. It’s the same cut of beef, but one was more processed.
  • Pork shoulders or pork butts are often fairly cheap per pound and can be a great ham or roast. Buying bone-in also means you can use a bone for a future batch of soup, broth, or beans.

I will always choose pork roasts over beef roasts simply because of the price alone. With a good sale, I can get bone-in pork shoulders for about $10-$15 and cut them into 3 smaller portion roasts for my family of 4.

There are a ton of ways to switch up and adjust the meats to make a dent on your grocery budget, and these were just the “tip of the iceberg.”

What do you do if your healthy grocery list comes in under budget?

While most people might think “instant savings” and be thankful that there is money to put towards other things, a frugal shopper with a positive money mindset can see that extra money, and see ways to spend it now, that will help the family in the future.

Buying pantry staples and essentials like rice, brown sugar, flour, oats, and butter can all be great because they can be used in millions of recipes and will be used in one way or another.

If you can fit them into your budget, then do so, but do so wisely.

Compare store ads first and think ahead to the current sales cycles that we’re experiencing or will be soon. Just because you can afford to spend $5 on bag large bag of sugar that you don’t need now doesn’t mean it’s a great deal, especially if it’s going to be half price next week (or next month).

By creating a little stockpile of pantry goods and freezable groceries like discounted bread, you’re opening yourself up to future savings. Just make sure that you rotate the goods and don’t let them expire or become food waste (because that is a waste of money too).

If you fear you have food going to waste, do a no spend pantry challenge to use up what you have. This can save you money on groceries this month and afford to replenish the little stockpile the following month or save enough money to pay off a debt or buy something nice.

My biggest tip for grocery budgeting-

Overestimate the cost of your groceries, and always try to be under budget. This will help you with the end of shopping taxes and fees that get added on as well as allows you to walk away with some savings.

If your lime is $0.20 each write it off in your mind as costing an entire dollar. This not only makes math easier, but we all know that things can ring up wrong at the register and we don’t notice until after it’s too late.

Having this buffer in the budget means that you can afford these small inconveniences without feeling the shame of putting items back.

Also, if you plan on using any money making/saving apps like the rebate app Ibotta, you’ll want to not include their savings in your budget planning and instead think of the money back savings on your receipt as a happy bonus.

Meal Planning

This is possibly the most time consuming portion of the entire thing. Trying to eat healthy on a budget is crazy difficult when you have picky eaters or the things you want aren’t on sale.

Not only that, but meal planning means that you have to know what you want to eat days/weeks in advance! I don’t know about you but a majority of the time, I don’t know what I want to eat until there’s about an hour left on the clock and then I’m scrambling to find something I can make with frozen meat or making meals with leftovers.

Meal planning and grocery budgeting go hand in hand. With grocery budgeting, you’re lowering your expenses to fit within a set limit, and with meal planning, you’re taking what you can afford and turning it into as many meals as possible

There is so much more to meal planning than simply taking a blank calendar and slapping some meals on every date and I’m going to share some incredible meal planning tips to help you get the most out of your healthy groceries and make meal planning easy.

Tips for meal planning

First, let me blow your mind with this tidbit of knowledge- there are two ways to meal plan and depending on your organization/planning skills as a person one may be better for you than the other, so don’t feel bad if you try traditional meal planning and fall short of expectations.

Traditional meal planning and reverse meal planning are both equally important. Traditional is the look, plan, shop, and reverse is the look, shop, plan. You can read more in depth about these two meal planning methods here.

Things to do before grocery shopping

  • Before you go grocery shopping take an inventory of what is already inside of your home.
  • Visualize some of the meals that these items can be used for.
  • Decide how long you’ll be shopping for and think of the obligations and time commitments you’ll have during this time. Making a healthy grocery list on a budget means not stocking up on fresh produce that will spoil before it can be used, so make sure you have the time in your week to properly use prep and cook them.
  • Look at store sales and figure out what’s currently on sale, if the store’s weekly sales are about to change, look ahead and see what will be on sale and figure out if its best to shop now or later. (Most grocery stores have online ad previews).
  • If you notice one store is cheaper than the other, consider doing the bulk of your shopping there but don’t be afraid of dividing your shopping trip into multiple stores to get the biggest bang for your buck.

If you’re a traditional meal planner now is when you make your cheap weekly or monthly meal plan. If you’re a reverse meal planner, now is when you head to the store and look for deals that pair with what you have at home. Creating a mental meal plan (or written) as you shop. Come home and get it written on a calendar so that it is official and unforgettable.

Try to give a few days for leftovers or to use those for lunches to save money, food waste, and time. Don’t be afraid of tossing a few frugal meals or cheap family dinners into the mix because a few days of unhealthy filling food isn’t going to hurt if you eat balanced enough.

The biggest tip for eating healthy on a budget-

Make food from scratch whenever possible and cut out processed foods.

  • Instead of buying boxed stuffing mix, dry your bread ends and make your own.
  • Take leftover hot dog buns and make bread pudding.
  • Make pancakes and bread from scratch (those are significantly cheaper to make at home unless you have a discount bread store).
  • Don’t buy canned condensed soups, make your own using a roux and chicken bullion (significantly less salt this way too!)
  • Chicken stock can be an overnight thing in the crockpot and makes a bunch!

There are so many things that you can do with flour, sugar, butter, and spices that you’re spending a fortune on at the store. It might cost you a little time, but it saves your money and gives you the health benefits of fewer preservatives and knowing what’s in your food.

What if the grocery budget is tight and you need more food for your meal plans?

  • Make the food swaps for cheaper (similar items) I discussed this already, so I won’t go back into detail on that.
  • Use coupons and instant savings.
  • Check the discounted sections!
  • Use help if you need it.


Using coupons is super easy once you get the hang of it. As an avid “extreme” couponer myself, I could easily write a novel about using coupons and how they’re so great. I’ll try to keep this short though.

Coupons are becoming more digital with stores, simply clip in an app and add to your card. This helps you to avoid the hassle of carrying the paper around in stores and can help you to avoid mistakes (accidentally grabbing wrong product size, ineligible items, etc.) the digital coupons will only work on valid items.

Paper coupons can still be found online and in the Sunday newspaper inserts. There are tons of couponing groups on Facebook, simply searching for these can help you to get a better grasp of couponing language and understanding shopping secrets they’ve learned over the years.

Discounted products

Most grocery stores have a section (or several) dedicated to selling discounted items. Either returns, damaged boxes, close to sell by date, or discontinued items.

I love checking mine out- I always find goodies.

Discounted produce and dairy products like sour cream and yogurt are great if they’ll be eaten before they truly go bad.

Discounted meats often have some people turning up their noses because they think it’s bad, but trust me- if the meat was bad, you’d smell it from a few feet away and the stench doesn’t go away after cooking.

Some meats will turn brown when exposed to the air, this process is called oxidation, and bloody meats were roughly handled at one point, but they are still fine if the package isn’t leaking or ripped open anywhere.

Accepting help

If you’re a low income family struggling to make ends meet, use the resources available to help you to eat a healthier diet than just ramen and canned tuna.

To keep this section short I’m linking my low income/struggling posts to help you with more in depth articles on the subjects.

Hopefully, these posts can help to shed light on ways that you can get a good deal of healthier foods even on the tightest of budgets.

Food portioning

Creating a budget and making a meal plan would be pointless without food portioning.

As a parent I know that if I spent $200 on snacks that my kids like and want them to last an entire month, I have to hide 99& of them and distribute accordingly to have them stretch.

The moment the kids see that there is a lot- they’ll want a lot.

The same goes for pretty much everything. You’re more likely to overeat when the house is full of food. Snack binging while watching tv, going back for another treat to hold you over until dinner, etc.

And before you know it, the end of the month (or week) is here and you’ve got a few days until grocery shopping again and you’re house is empty.

Portioning out food is important!

If you want leftovers from a meal, to make another meal with, portion that amount out before offering dinner up to the family. If you serve plates with the portions already on them, you can be in control of how much of what is being eaten. But there are some things to consider:

  • You have to have a good understanding of how much someone is able to eat. You don’t want to overfill their plates.
  • Kids and adults don’t eat the same amount, but kids are growing and often go through growth spurts where they can eat more than an adult and still not feel full. So there should always be an option for kids to eat more or something that they can eat after dinner if they’re hungry again.
  • Kids often get hunger and thirst confused, so offering them a tall glass of water to accompany dinner can help them to feel fuller.

A family of 3 can stretch an entire chicken into about 7 meals without “feeling the hurt.” Night one, cook it whole and only cut off a breast to eat for dinner. serve it sliced into coins and pile plates with veggies and a starch.

Shred the remaining meat and save it in 1 cup bags for other meals. Soups, casseroles, pot pie, enchilada filling, salad topping, etc.

Food portioning is all about creativity in the kitchen for this category because the chef and their vision are what really pull meals together and get things to stretch further.

So to recap-

What I call the fun part, finding those hidden savings everywhere and making small switches to get things to stay in the budget you have set. Rounding up when shopping and coming in under budget.

Meal Planning-
The hardest part, but the most essential. All about working with what you have, and making it work for your family as well.

Food portioning-
All about creativity in the kitchen, and giving portions you know you’re family will eat as opposed to filling plates and wasting food.

With these three simple things, you can make healthy grocery lists on a budget and enjoy some tasty savings.

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