How to Save Money on Groceries and Dining Out

5 September 2025

Eating well doesn’t have to cost a fortune. Whether you’re shopping for groceries or dining out, there are plenty of ways to cut costs without sacrificing quality. With a little planning, smart shopping techniques, and mindful spending habits, you can stretch your food budget further than you ever thought possible.

In this guide, we’ll explore practical tips to help you save money on groceries and dining out while still enjoying delicious, satisfying meals.

Saving Money on Groceries

1. Make a Shopping List and Stick to It

One of the easiest ways to overspend on groceries is shopping without a plan. Ever walked into the grocery store for "just a few things" and walked out with a cart full of random items? It happens to the best of us.

To avoid impulse purchases, make a list before you head to the store. Base your list on your weekly meal plan, and stick to it like glue! Not only does this prevent unnecessary spending, but it also minimizes food waste.

2. Set a Grocery Budget

If you don’t track your grocery spending, it’s easy to go overboard. Set a grocery budget that aligns with your income and lifestyle. A good rule of thumb is to aim for about 10-15% of your monthly earnings on groceries.

Using cash envelopes or budgeting apps like Mint or YNAB can help you stay within your limit and avoid unnecessary purchases.

3. Buy in Bulk (When It Makes Sense)

Buying in bulk can save you a ton of money—especially on pantry staples like rice, pasta, canned goods, and frozen foods. Stores like Costco and Sam’s Club offer great deals for bulk purchases.

However, don’t buy perishables in large quantities unless you’re sure you’ll use them before they spoil. Wasting food negates the savings!

4. Use Coupons and Cashback Apps

Coupons aren’t just for extreme couponers. Many grocery stores offer digital coupons, and apps like Ibotta, Rakuten, and Fetch Rewards give you cashback on everyday purchases.

Before heading to the store, check for deals on the items you need. Even saving a dollar here and there adds up over time.

5. Shop Store Brands Instead of Name Brands

Did you know that many store-brand products are made by the same manufacturers as name-brand products? The only difference is the label (and sometimes the price tag!).

Most of the time, the quality is just as good—or even better. Choosing store brands over name brands can cut your grocery bill by 20-30%.

6. Buy Fresh Produce in Season

Fresh fruits and veggies can be pricey, especially when they’re out of season. Stick to seasonal produce for the best prices and flavors.

Want strawberries in the middle of winter? Opt for frozen—they’re often cheaper and just as nutritious!

7. Plan Your Meals Around Sales and Discounts

Instead of planning meals first and shopping second, flip the script! Check out weekly sales at your local grocery store and plan meals based on discounted ingredients.

For example, if chicken is on sale, plan chicken-based meals for the week instead of buying expensive beef or seafood.

8. Reduce Meat Consumption

Meat is often one of the most expensive items on a grocery list. Try incorporating more plant-based meals a few times a week.

Beans, lentils, eggs, and tofu are affordable protein sources that can help you cut costs without sacrificing nutrition.

9. Avoid Shopping When Hungry

Ever noticed how everything looks more appealing when you’re hungry? That’s because hunger can cloud your judgment, making you more likely to buy snacks and impulse items.

Eat a small meal or snack before heading to the store to keep your cravings (and spending) in check.

10. Limit Convenience and Processed Foods

Pre-packaged meals, frozen dinners, and snacks are convenient, but they come at a premium price. Cooking from scratch is almost always cheaper—and healthier!

If time is an issue, try meal prepping on weekends to have quick, homemade meals ready throughout the week.

Saving Money on Dining Out

1. Set a Dining Out Budget

Eating out is fun, but it can drain your wallet fast. Set a monthly budget for dining out and stick to it. If you love dining at restaurants, consider cutting back a little—maybe limit it to special occasions or once a week.

2. Take Advantage of Happy Hours & Specials

Many restaurants offer happy hour deals, lunch specials, or discounted menu items on certain days. Dining during these times can save you a significant amount.

Instead of splurging on dinner, try going out for lunch, where meals are often cheaper!

3. Skip Drinks & Desserts

Alcoholic beverages and desserts can double your bill. A few cocktails or an expensive slice of cheesecake can add up fast.

Consider skipping drinks and desserts at restaurants and enjoying them at home for a fraction of the price.

4. Order Water Instead of Soft Drinks

Soft drinks, iced tea, or specialty beverages can cost $3-$5 each. Drinking water instead is not only healthier but also saves you money.

If you really crave a soda, buy a pack from the grocery store for much less than what restaurants charge per glass.

5. Share a Meal or Take Leftovers Home

Restaurant portions are often huge—sometimes enough for two meals! Consider sharing an entrée with a friend or packing up leftovers for another meal.

A single meal can turn into lunch for the next day, effectively cutting your dining-out expenses in half.

6. Use Coupons, Deals, and Reward Programs

Many restaurants offer discount coupons, loyalty programs, and birthday freebies. Sign up for your favorite restaurants’ email lists or download their apps to score discounts and special offers.

Apps like Groupon, Restaurant.com, and OpenTable can also help you find great dining deals.

7. Opt for Takeout Instead of Dining In

While dining in offers ambiance, restaurants often charge extra for service, tip expectations, and other fees. Ordering takeout eliminates tipping (or at least reduces it), saving you a little extra cash.

Plus, you can enjoy your meal in the comfort of your home without the added costs!

8. Cook More Meals at Home

This one might seem obvious, but cooking at home is always cheaper than dining out. Even a simple dish like homemade pasta can cost a fraction of what you’d pay at a restaurant.

Planning meals, experimenting with new recipes, and making cooking fun can reduce the temptation to eat out. Try hosting a potluck with friends instead of going to a restaurant—it’s social and budget-friendly!

9. Order Appetizers or Small Plates Instead of Full Meals

If you’re dining out but trying to save money, consider ordering an appetizer or small plate instead of a full entrée. Many appetizers are filling enough to satisfy your hunger at a lower price.

Buffets and “all-you-can-eat” places might seem like a great deal, but ask yourself—will you really eat enough to make it worth the price?

10. Choose Restaurants Wisely

Some restaurants are naturally more expensive than others. If you’re on a budget, opt for casual dining or local eateries instead of high-end restaurants.

Fast-casual spots often serve high-quality food at a fraction of the price of fine dining establishments.

Final Thoughts

Saving money on groceries and dining out doesn’t mean you have to survive on rice and beans or skip all restaurant visits. With smart spending habits and a little planning, you can enjoy delicious meals while keeping your budget in check.

By making mindful choices—whether at the grocery store or your favorite restaurant—you’ll not only save money but also gain more control over your finances. Happy saving and happy eating!