Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Welcome to How Do They Afford That? The podcast that
peeks into the financial lives of every day Australians. I'm
Michael Thompson. I'm an author and the co host of
the podcast Fear and Greed Business News. As always, I'm
with Canna Campbell, financial planner, founder of Sugar Mama TV,
the financial literacy platform covering YouTube, podcast books, Instagram, threads,
TikTok and more. Hello, Canna Goodne. We are talking groceries today.
(00:24):
I don't know about you. I'm speaking on behalf of
myself only, but we cannot get our grocery bill under
control no matter what we try. And the worst part
of it is, and this is me now having a
little bit of a rant, it's almost asough we don't
have anything to show for it, the fact that we
are spending more and more and more and more. We
don't have extravagant taste. We're just feeding a couple of adults,
(00:47):
a couple of kids, and it just seems to either
kind of stay at a very high level or just
kind of keep on just edging up higher a little bit.
So today I'm going to ask you, I'm going to
beg you for a list of ten supermarket tricks to
(01:08):
slash one hundred dollars off the weekly bill. So you
can do it. You could do one tip that just
gets the whole hundred dollars, or you can give us
ten ten dollar tips.
Speaker 2 (01:16):
I am going to help everyone in all the different situations.
It's actually something I have recently got down.
Speaker 1 (01:23):
Have you succeeded in? Yeah?
Speaker 2 (01:25):
So we were spending about five hundred dollars a week
on groceries. I've got it down to around about three
hundred and fifty.
Speaker 1 (01:33):
Oh wow.
Speaker 2 (01:34):
Yeah, and I'm actually quite impressed with myself.
Speaker 1 (01:36):
Oh you should be.
Speaker 2 (01:39):
Allow now that we've got down to allow a bit
of a buffer for expensive weekends and stuff like that
were entertaining. But yeah, I'm actually quite proud of what
I'm doing.
Speaker 1 (01:49):
Yeah, please don't tell me that the trick is two
meals a day. Have you lasted ten days fasting three
days a week? Okay, let's go. We've got a list.
Speaker 2 (01:59):
Yes, number one, All right, chopping your pantry and freezer first.
So many times we just head to the supermarket without
actually stopping to check. All right, whatever we already got
at home we could use up and even just going
you know, what, we've got a bit of a hodgepodge
ad different items. Why don't we just go and do
the grocery shop maybe tomorrow and prioritizing eating up all
the little bits, and you know that can buy a
(02:21):
day in your budget, which helps, you know, save money
for that particular pay cycle.
Speaker 1 (02:26):
I like that. I love a good old fashioned freezer dive.
We're just like, yeah, it's like, let's see what we
can find. Go in there.
Speaker 2 (02:33):
It's like a homemade pokey bowl. But yeah, the leftover
carrots or a bit of leftover dinner from the night before.
And I think I had a piece of salmon actually
in my fridge this morning to go towards our eat
up the bit stay.
Speaker 1 (02:47):
You know what my favorite tip about the freezer is,
please please make sure that you write number one what
it is on the outside and number two when it
was frozen, because yes, a freezer extends life, it does
not extend it indefinitely. And all of a sudden that
you have something that they're like, I don't remember last
(03:08):
eating this. In fact, I think we last ate it
three years ago. I don't think that's okay, So freezer dive.
Speaker 2 (03:15):
The next thing is having a list before you go
to the supermarket and a budget. The amount of people
who complain to me about groceries and how much they
spend at the supermarket and they're spending a lot, And
I said to them, all, have you got a list
or do you have a cap or thresholders to how
much you can spend? And they say no, And I'm like,
well there's your problem. Sitting down and actually going all right,
(03:38):
we've got this already at home and doing a bit
of a plan as to what we actually need can
save you so much money and it stops you buying,
you know, duplicates things, you know, stops you buying things
that are going to end up going being wasted. It
also stops those impulse buys. And I will admit I
like this even more so we shopping online because you
(04:00):
can see your tally, you know, the total as you're
shopping online, and before I go to check out, I
can actually go through and quickly take a few things
off that I've the treats that I've tried to squeeze in.
Speaker 1 (04:11):
And it's almost, I would say, easier to shop to
a list if you're shopping online, because you know you've
got to get okay, chicken and rice and celery and carrots,
and you are just going, okay, type in chicken, then
type in rice, then type in celery, type in carrots,
rather than having to trape through the aisles of the shop,
(04:32):
and in doing so you see this and that and
that and that and that, and you grab those as
you go just in case. Whereas this you can just
go directly to what you need by doing it online,
and you can shop directly to your list.
Speaker 2 (04:43):
And also like if you think of something you need
to say clean rap, you can quickly, you know, pop
into the kitchen and check if you've got enough clean rap, yeah.
Speaker 1 (04:50):
Rather than having to ring home and hope somebody answers
the phone and say, hey, can you check the kitchen
draw if we've got any clean rap, and say and
then otherwise you end up just buying it just to
be safe, and then you've got double and then you
money times like me with w D forty when I'm
at Bunnings, so you always walk out of there with
an extra can of w D forty and then you
(05:12):
get home like, oh, I've got four cans of WD forty.
That many squeaky doors anyway, go on number three.
Speaker 2 (05:18):
All right, switching to the home hero brands. Talking of
clean wrap, you know, clean wraps actually can be sometimes
quite expensive if you look at like, you know, Wool
Worse or Coals. They have their own in house brands.
I'm a massive fan of the almond clusters that Coals
make actually, which remember you interviewed Tom, Yes, and my
partner Tom that is, and he tried to say that
(05:39):
I waste money on expensive gourmete musi, which is not
the truth, because I buy the Coals home brand musically,
which is peanut clusters. If anyone listening, four dollars fifty
a huge bag, You've been really good value for money.
Speaker 1 (05:51):
You've been sitting on that one for a while, haven't you.
That was that was what eighteen months ago that I
to go and you have waited that long to get
that off your chest and fight back.
Speaker 2 (06:00):
Really pissed me off.
Speaker 1 (06:02):
I'm getting that from you. There are signs, it's that
little twitch in your forehead.
Speaker 2 (06:06):
Correct defamation anyway, So home brands are great. I do
love Tom very much. I'm not I'm only joking, but
really annoyed me that one.
Speaker 1 (06:16):
Until you see him in court. Geez, okay, number So
that's home brands free. What's number four? Right?
Speaker 2 (06:23):
It's the obvious comparing the unit prices, which is easier
again to do online because it's clearly marked. You've got
to look zoom into the label when you're in the store,
and if you're a bit time or there's also people
slowing you down, that obviously can make it hard. But
looking at and comparing the price per unit is fascinating,
(06:45):
particularly when they're on sale, because one brand you think
is always the cheapest, but then there's another one on
sale which actually does now make it better value for money.
Speaker 1 (06:52):
So no, I love the unit pricing and getting it
for whatever it is per hundred grams or per individual light.
It just it just makes it so much easier. Do
you remember the pre unit pricing days? Standing there so
colmon trying to calculate things. I can't figure this out.
Speaker 2 (07:10):
Yeah, thank goodness, they sound old discussing.
Speaker 1 (07:18):
I was buying a six pack of cockles. I don't
know do you buy cockles back in the day? Anyway?
It's a seafood like it's a little kind of a
it's a like a shellfish. I have heard of it
because it's from the olden days.
Speaker 2 (07:32):
Please go brings me to my fifth point is don't
buy processed or prepackaged food.
Speaker 1 (07:38):
It gets your cockles fresh.
Speaker 2 (07:40):
I mean, I'm assuming cockles is processed.
Speaker 1 (07:45):
Cockles.
Speaker 2 (07:45):
It's not a whole food like.
Speaker 1 (07:46):
A Yeah, it's like a little clam.
Speaker 2 (07:49):
Oh okay, so it doesn't I have never bought. I'm
thinking it's in the frozen frozen fish.
Speaker 1 (07:57):
Probably I have. Honestly, is the first thing that came
into my head. I have never bought a cockle in
my life.
Speaker 2 (08:03):
See, you're a fraud. Wow, I know.
Speaker 1 (08:08):
I am joining Tom's laws here. Okay, please, So what
was number five? You said?
Speaker 2 (08:13):
You know, processed or prepackaged food. So things like a pumpkin.
I mean, I will admit I hate cutting up a pumpkin.
But if you look at the price of buying pre
cut pumpkin versus buying a whole pumpkin or watermelon, for example,
or even grated cheese versus a block of cheese, there
is a significant convenience tax being impolied here, no implied
(08:35):
charge here.
Speaker 1 (08:35):
I should say, all right, so processed food, so steering
clear of them. If you can process and package. The
pumpkin example is a good one. Anything that is kind
of cut up for you for the convenience. If you
do it a lot, do it yourself and say things. Now,
I know this is a podcast and you can't see
what I'm showing you. I'll show you can because we're
(08:57):
in the studio together. That is a hole.
Speaker 2 (09:01):
Oh like a pippy.
Speaker 1 (09:02):
Yeah, it's like a little pippy.
Speaker 2 (09:03):
I like pippy.
Speaker 1 (09:04):
I said. It was like a little kind of clam
kind of seafood thing. So yeah, I don't know where
you would find it.
Speaker 2 (09:10):
I don't feel like that. I feel like they're more
of a delicacy that you would have to go and
get from the fish shop or from like the fish markets.
Even I don't feel like that's actually in everyone's every
day supermarket.
Speaker 1 (09:22):
No, I don't think so either. As I said, I
have never bought them. I've never seen them in there.
It was the first thing that came into my head.
And you know, all of a sudden, when you've committed
to something.
Speaker 2 (09:30):
And keep going, Yeah, it's no backing out.
Speaker 1 (09:32):
Yep, I've done that to myself. Okay, so that's our
first five quick break. We'll come back with the second
half of our list, all right, Can we are halfway
through our list of ten supermarket tricks to slash one
hundred dollars off your weekly bill. How much you reckon
we're up to so far.
Speaker 2 (09:53):
I feel like there's a good thirty to seventy dollars
of savings in what I've just shared if you're doing
it properly.
Speaker 1 (10:00):
Shopping to a list is a big one that saves
you a lot of cash. And also shopping going to
your pantry and your freezer first, Like you could save
if you find some frozen meat in your in your freezer,
that's thirty forty dollars kind of saved instantly.
Speaker 2 (10:14):
And you know, I sort of look at the you
know that pay cycle. If you can push it, you know,
delay going to the supermarket for a few more days.
Come pay day, you'll have a little bit more money
left in your account.
Speaker 1 (10:24):
Yeah, this is great, OK, the.
Speaker 2 (10:26):
Day before paid actually.
Speaker 1 (10:27):
Number six on the list. What have you got?
Speaker 2 (10:30):
Shop weekly not daily? So this was a big one
for us. I was finding that I was shopping probably
three or four times a week just because I wasn't organized.
I had a lot going on, and I would then
pop into the supermarket and I couldn't just pop in
and grab the five things that we needed for dinner
that night. I would grab some chips, so I'd grab
(10:52):
myself a little stack, I'd grab some chocolate. You know,
you would just be buying stuff. And it was also
incredibly inefficient use of time. So just by going doing
one key shop once a week, or at least eighty
percent of your shop once a week, it stops all
those little top ups here and there that are never
(11:13):
we never stick to budget. And obviously it saves you
so much time as well. I'm like, why do you
going and surround yourself with temptation? So what I do
is I do our grocery shopping online every Sunday, and
I look at my diary and look at what's going on,
so I can sort of plan some meals out and
what we're going to eat and make sure it's balanced.
And then I will do that shop. And then I
allow myself a little buffer for things that maybe have
(11:35):
gone off or need to be replaced, or there's a
little ingredient that I like to use in a particular meal,
and that's it.
Speaker 1 (11:41):
Okay, Yeah, And how do you deal with those fresh
produce and things? So if you're getting say celery stuff,
by if you're only shopping on the Sunday. By Friday
or Saturday, that celery is as limp as.
Speaker 2 (11:57):
Heck, well, no, my salary looking perfectly happy. Look, I
try a meal plan just four days in advance, okay, yeah,
so but I still have I still have a lot
of stuff in my freezer as well, like you know,
bolon Azer's sources. I'm a massive fan of a slow
cooker as well, so there's there's always stuff to go.
Speaker 1 (12:16):
Okay. So in that way, you're actually if you're planning,
say three to four days ahead, four days okay, then
really you are just buying the fresh stuff that you
need for those four days, and then by the end
of the week when you're getting to Friday, Saturday, Sunday,
it's not necessarily with that stuff that could have not
necessarily perished, but isn't in prime condition anymore.
Speaker 2 (12:39):
So what I try and do is eat as healthy
as possible earlier in the week.
Speaker 1 (12:44):
Okay.
Speaker 2 (12:45):
I just know for myself personally, it was the end
of the week, I'm starting to get tired, I don't
feel inspired to eat as healthily. So if I try
and sort of front load, you know, including my exercises
as well, I will tend to consume a more nutritious meal,
and so do my kids as well.
Speaker 1 (13:03):
Today being Wednesday, are you feeling healthy today? You're kind
of at the midway point of your healthiness through the week.
Speaker 2 (13:10):
Well, technically you've caught me out because I did a
big grocery shop on Sunday, but I had to go
away for work, and my meal planning has been thrown
in chaos because my O pair who's looking at the
kids is used up a lot of the food, mixed
up my whole food planning. So I'm kind of in
a bit of a chaos, I know. And she's got
to put the meat that we were supposed to have
(13:31):
tonight in the freezer, which I didn't realize until this morning.
So I actually do have to make a little trip
to the supermarket today. But that's a very rare I mean,
I never go away from work. But you can see
how you've got to kind of really be on top
of us, and the communication is key. So I know,
for myself, I need to tell Tom, do not make
a pit stop to wool Worse on your way home.
Speaker 1 (13:52):
Otherwise it'll be chaos in the Campbell household. Extraordinary, that's
number six. Number seven, so.
Speaker 2 (14:02):
Bolt buying the essentials when they're on special. So the
non perishable like toilet paper, flour, rice, rice is a
big one. And then uc that's is never going to
go off or it's going to take a long time
to go off. You can goods rice pasta. They obviously
really do help save money and they're great fillers as
well to help make economical meals.
Speaker 1 (14:24):
I really like that because it's an easy thing to
do as you just look for it on special and
on that week your your spend is going to be
a little bit higher.
Speaker 2 (14:34):
But these items either.
Speaker 1 (14:35):
No, no, no, that's a good point. Number eight.
Speaker 2 (14:39):
Buying seasonal produce, which includes the you know, the odd
bunch or the imperfect pick.
Speaker 1 (14:45):
Okay, yeah, seasonal And look, anyone with young kids knows
when it's berry season, things are good. When it's not
berry season, you may as well get a second mortgage,
right I know.
Speaker 2 (14:58):
Oh god, I bought some blueberries and didn't It wasn't
concentrating and my four year old inhaled them within about
two minutes. The whole punnet that was twelve dollars. I
know he's got them out.
Speaker 1 (15:10):
You can have two each day, you're rashing about.
Speaker 2 (15:13):
I love that this is where frozen frozen berries are
excellent as well, great value for money.
Speaker 1 (15:18):
And I like the odd bunch as you mentioned, but
also not.
Speaker 2 (15:21):
Just from a saving point of money point of view,
but just support our farmers and landfill. We should all
it should be mandatory to shop the odd bunch.
Speaker 1 (15:29):
Yeah, the odd bunch is the kind of the misshapen
carrots or their slightly blemished apples and things that in
previous years, in years gone by, the cockles years that
we're kind of talking about, before they would have been
chucked out, they wouldn't have even made it off the farm.
They get they get turfed because the supermarkets didn't want them.
But now there is a greater willingness by the supermarkets
(15:50):
to see those products actually make their way into the
hands of consumers. And that is a good thing, good
for the consumers, good for good for us because you
do get it at a slightly cheaper price. But it's
just it's good for the planet.
Speaker 2 (16:03):
Yes, it's very responsible.
Speaker 1 (16:04):
Everybody wins out of that one. At number nine, we
are racing through this list and I'm seeing the savings
just stacking up.
Speaker 2 (16:12):
And that is loyalty programs. Now, I know you are
a massive fan of Flybys, which I do have as well.
Good and I am a massive fan of Woolworth's every
day of rewards. I love Woolworths every day of rewards
and I also have my pet insurance as well through
woolworth so I get great discounts. That's good.
Speaker 1 (16:33):
And the thing is you can be in both. You
should be in. You should be yeah. And you know
the best part is that it's getting really easy to
save with Colds and Flybys that and this sounds like
they are an advertiser. They are not an advertiser more than.
Speaker 2 (16:48):
A happy welcome to be advertised good.
Speaker 1 (16:50):
They certainly are. The fact is that now when you
go and you do your shopping at Coals and you
put your groceries through and then you scan your Flyby
card and it pops up if you built up any points,
and it says you have X number of points, would
you like to take ten dollars off your shop? And
it actually just offers that to you at the checkout.
(17:11):
It is that easy. You don't need to go into
any kind of complicated redemption process or anything. It is
just do you want money off? Your shop. Heah please,
and I accept it.
Speaker 2 (17:22):
Well. With the warburs every day rards, you can bank
your savings so you can like stockpile your savings and
then use it at an expensive time of the year,
you know, such as Christmas time.
Speaker 1 (17:30):
Yes, great idea. So that's loyalty programs. That's number nine.
Have you got a big exciting one to finish on
number ten? This will be the best one of all,
the biggest saving. I'm setting you up here.
Speaker 2 (17:42):
Invest in a slow cooker.
Speaker 1 (17:44):
Well, that is good.
Speaker 2 (17:45):
Yeah, And that's one of the other reasons why I've
managed to get our grocery build down. I'm using us
slow cooker so much. Now. I hate hate cooking, I
hate mess cleaning up, but you throw everything into it.
It is the day the other day, turn it on
and walk away eight hours later, and it makes your
(18:05):
house smell delicious, and it is there. It is most
of the time. It is highly nutritious because you're using
you know, like meats and lots of vegetables. It's the
meat is so tender, but you can use cheaper cuts
of meat.
Speaker 1 (18:18):
I was going to say that all of a sudden,
you can be you can be doing your silver side
and things like that, and it is extraordinary, out.
Speaker 2 (18:25):
Of so good. And we do a lot of tacos
as well. Like you know, I think in this show
has always turned off a bit these slow cooks because
I was thinking like stews and just.
Speaker 1 (18:34):
Like these kind of everything quite stodgy.
Speaker 2 (18:36):
Yeah, but we do the best tacos in us slow
cooker and my kids and you would be amazed as
to how much the food goes, how far the food stretches.
Speaker 1 (18:47):
Like I ask you how you do your tacos in there,
because I always figure that as something that you kind
of you fry up the meat.
Speaker 2 (18:54):
You put the chicken breasts in with the can of tomatoes,
the seasoning, the lentils or the black kidney, black beans,
and you literally just and then a can of corn
as well, and then literally just leave it there for
eight hours and then you get two forks and you
just shred it. And then that is your base to
go in your burrito or your taco whatever you like,
(19:16):
or even just on a like plate of rice or
if you like, on a beautiful salad.
Speaker 1 (19:23):
I won't be doing that option. But we have lost
the power cord for our slow cooker. I don't know
cannot find.
Speaker 2 (19:32):
It, but do you replace it?
Speaker 1 (19:34):
Well? I just I mean, that was the epiphany that
I just had while you were talking about it. I
could probably jump onto Amazon or to somewhere online and
find a replacement power cord better than buying a whole
new slow cooker. It means I can get back on
board the slow cooker wagon.
Speaker 2 (19:49):
As slow cooker I worked out must be at least
fourteen to fifteen years old.
Speaker 1 (19:53):
Yeah, as would be a decade old. That's why we've
lost the power cord.
Speaker 2 (19:56):
Name one appliance that has lasted nearly as close as that.
Speaker 1 (20:03):
I cannot.
Speaker 2 (20:04):
Yeah, don't make them like they used to, clearly.
Speaker 1 (20:08):
Yeah you know what they don't make like they used to.
Speaker 2 (20:11):
What cock cockles?
Speaker 1 (20:15):
I had to go there, you had to, all right?
Great list very in rapid fire. Number one shop pantry
and freezer. First shop to a list. Home brands compare
unit prices, process foods and prepackaged food. Steer clear of them,
shop weekly, not daily. Bulk by your non perishables when
they are on special seasonal purchases, particularly when it relates
(20:37):
to your fruit and veg loyalty programs. Join them all
and use your slow cooker and I reckon if you
do all of those, you will easily slash the one
hundred dollars off your weekly bill that we're aiming to
probably more.
Speaker 2 (20:51):
To be honest, I think if you go in with
a budget and a list, you're on your way from there.
Speaker 1 (20:58):
I'm in awe of the fact that you've cut hundred
and fifty dollars off yours.
Speaker 2 (21:02):
You know what. It was actually surprisingly easy. And then
I thought, oh no, I just must have gotten lucky.
You know, a cost of things must have maybe come off.
I just happened to shop some great specials. But no,
I've actually been able to maintain that as well.
Speaker 1 (21:12):
Well done. All right, If anybody wants more of these
fantastic food hacks, where do they find you?
Speaker 2 (21:18):
The best place to reach out to me is on
Instagram at sugar Mama TV or Canna Campbell Official.
Speaker 1 (21:23):
You can hear me every day with Sean aylm or
on Fear and Greed Business News. You can use that
as a podcast. Thank you for listening to how do
they afford that? Remember to hit follow on the show.
And the very best thing that you can do is
tell somebody else send them a link to this episode
and spread the word about how do they afford that
Thank you for your company, join us again next week.