5 ways to save on your grocery budget in Singapore

Does your supermarket bill often turn out to be more expensive than you had planned? It seems that we often find extra items that we 'need' while doing our grocery shopping, doesn't it?

If you are looking to stick to a grocery budget, or simply to find ways to save on groceries, we at GET.com have some suggestions for you. Here we will show you 5 simple ways to save on your grocery shopping.

1. Set a monthly budget, but plan a weekly list

If you haven't come up with your monthly shopping budget yet, you should track your spending for a month to get an idea of your spending habits. This will help you set an appropriate budget for each category.

While it's difficult to buy a month's worth of groceries (unless you've got a huge fridge), you can still make a monthly budget but do your grocery shopping on a weekly basis.

Plan your grocery list ahead of your shopping trip and stick to it. Engage a family member to come with you to help you stay on course!

It also helps if your list is specific. Don't just write fruit, specify how many apples you want to buy, or how many cartons of milk you intend to stock up on.

2. Buy whole foods

Most people go overboard on junk food, not whole foods. However, it's also the junk food or snacks that cost more than 'real' food like poultry or vegetables.

To save money on food, one of the best ways is to shop on the perimeter of the supermarket - where the whole foods are.

Not only are they cheaper than canned food or anything out of a package, they are better for your health as well.

The only exception to the rule is frozen whole foods. It can be cheaper to buy frozen vegetables, fish fillets and chicken, and they are not necessarily worse off in their nutritional value.

Just remember to read the labels - the less ingredients the better, because it means there are less additives added. It also helps to save costs if you choose local produce of house brands instead of imported and organic produce.

3. Go meatless

Heard of meatless Mondays? While we are not asking you to quit eating meat entirely just to save some money, you can consider picking a day of the week to eat vegetarian food.

Why so? Not only does going meatless come with a host of health benefits such as limiting cancer risk and fighting diabetes, it also reduces your carbon footprints. You can substitute your animal protein with plant proteins such as beans or beancurd, which adds to your money savings as well.

4. Use credit cards with grocery rebates

While Singapore does not have a huge coupon culture for grocery shopping, what we do have are rebates on our credit cards!

There are a number of credit cards in the market that specially target grocery shopping - UOB Delight Credit Card, Citibank SMRT Platinum Visa Card and NTUC Plus! Visa Credit Card, just to name a few.

For example, with Citibank SMRT Platinum Visa Card you can enjoy up to 12 per cent savings on groceries at Giant, Sheng Siong, FairPrice Supermarket and FairPrice Xtra - Kallang Wave. That's a whole lot of savings on your grocery purchases! You need to get your card approved by 31 Dec, 2015 in order to benefit from this promotion.

Choose a card that gives you the most discounts/rebates on the supermarket chain you frequent the most, and remember to take advantage of perks such as free delivery on your online purchases! Here is our pick of the 2 best credit cards for grocery shopping in Singapore.

5. Buy online

A number of online retailers specialising in groceries and fresh produce have been spotted in Singapore over the years.

Many of them are not more expensive than your brick-and-mortar store (but of course, compare the prices first!), offer a huge variety of products and offer free delivery with a minimum purchase.

In fact, some of them are able to import rarely-seen grocery products from our neighbouring countries, thus offering some good deals.

Buying online also makes it easier to stick to your budget, since you will have an idea of the total cost before you pay. Subscribe to the supermarket's email newsletters or social media channels to be informed of exclusive discounts!

To save even more on your online purchases you can use a credit card that rewards you with cashback. Here is our pick of the two best cashback credit cards for online shopping.

This article was originally on GET.com at: 5 Ways To Save On Your Grocery Budget In Singapore.

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