If you want to spend less, determined efforts to cut top-up shops helps a lot.
We have a supermarket delivery on a Monday. There are fruits like berries, plus bananas, apples, tangerines and grapes. The berries go first. After that there are no more berries until the following Monday and people eat bananas, tangerines, grapes and apples. We order enough for the week.
Think about what you buy in top-up shops. People seem to ref fruit a lot and sometimes milk. Fresh stuff makes sense but there are ways round needing to do it as mentioned above.
Sekf duscuoline is needed to break a habit of nipping into the Express supermarket on a whim for dinner or something you haven’t got at home….esp if it’s a regular thing. £20 is v easy to spend. So, if an ingredient is missing, do without it until the next shop and use what you have to cook something different. Don’t allow impromptu meal switches unless everything is already in house …no extras allowed. Expect to plan the weekly shop to include stuff for the number of main meals you’ll be at home and lunches and breakfasts you need.
To start with it needs a mindset change and doing an effective weekly shop is a bit of an effort. It’s harder if both adults aren’t on board with cutting out or significantly reducing top-ups. But if both are on board, it quickly becomes the new norm and I think many families would save £100-£250 per month.
Of course, if you’re happy with what you’re spending through bigger shop plus top-ups, all fine. But it is an expensive way to shop and means you probably buy more and spend more in total.