Shrink your grocery bill

10 Aug 2026 · 17 min · 7 chapters

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In short

How to shrink grocery bills by calculating per-serving recipe costs, swapping ingredient ratios, shopping smarter, and using storage and assistance resources.

Guest

Beth MonseIIe, founder of BudgetBytes.com. Background: studied nutritional science; learned food costing methods used in restaurants/cafeterias.

Key claims

Cost ingredients, then divide total recipe cost by servings to spot patterns. Cut back on expensive items (meats, cheeses, dairy, nuts) and bulk with cheaper staples (beans/lentils/vegetables; especially cabbage; plus potatoes/onions/carrots). Freeze leftovers to prevent waste. Bulk buying isn’t always cheaper—compare unit prices and consider storage/use-by time.

Notable examples

Lentil bolognese costs $1.40/serving; carrot 15 cents, red lentils 67 cents, walnuts $1.07. Suggest using Flip app for weekly store flyers; start meal prep with one recipe/week; use food banks as a flexible bridge.

Written by AI. May contain mistakes. Listen to the episode to check what was said.

Chapters

Tap a time to open that second in VO

Costing Recipes for Savings

1:41 to 2:23

Beth explains how to cost out recipes to save money on meals.

“and share a lot more tips for how to save money on groceries.”

Costing Recipes for Savings

3:57 to 7:12

Beth explains how to cost out recipes to save money on meals.

“Walk me through how you think about cost as you're coming up with a recipe.”

Grocery Shopping Strategies

7:12 to 10:50

Tips on choosing grocery stores and planning meals effectively.

“And every time I open the freezer, I'm surprised to see them in there.”

Managing Grocery Deliveries

10:50 to 14:00

Advice on making grocery delivery affordable and efficient.

“I want to talk now about the moment that you're at the grocery store.”

Exploring Food Banks as a Resource

14:00 to 15:36

Learn how food banks can assist during tough financial times.

“And then you might have several other ingredients on that list that are being purchased that you don't even need anymore.”

Managing Emotions Around Grocery Budgeting

15:36 to 17:26

Discover tips for managing emotions related to cooking and budgeting.

“Yeah, it can definitely be overwhelming.”

Recap of Budget-Friendly Grocery Tips

17:26 to 18:53

Get a summary of key strategies to save money on groceries.

“We just did an episode on cleaning and we encouraged people to change their mindset about that too.”
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Transcript

Automatic transcript. May contain errors.

0:00Jenna Schwartz:This message comes from Schwab. At Schwab, you can get everything from self-directed investing to full-service wealth management all in one place. No matter your investing goal, life stage, amount to invest, or know-how, you can invest your way with Schwab.

0:16Rachel Hartman:You're listening to LifeKit from NPR. Hey everybody, it's Mariel Seguera. Take a moment and think about the last thing you cooked. How much do you think the carrot in that recipe costs? What about the three cups of vegetable broth? Beth Monsell could actually answer that question. She's the founder of BudgetBytes.com, a recipe website for folks with small budgets. She studied nutritional science in college, and she learned this costing method in her classes.

0:49Jenna Schwartz:So it's a technique that you will find a lot in food service operations like restaurants and cafeterias.

0:55Rachel Hartman:She says you figure out the price of that carrot, add it to the cost of all the other ingredients in the recipe, and then divide it by the number of servings so you know how much each of your meals is costing. Beth says when you do this, you start to notice patterns. For instance, her recipe for lentil bolognese costs$1.40 per serving. It's hard to get a meal that cheap at a restaurant. But some of the components are way cheaper than others. Like one carrot, 15 cents. One cup of red lentils, 67 cents. half a cup of walnuts,$1.07.

1:28Jenna Schwartz:I suggest everyone try costing at least once because it's so eye-opening. It really does make you rethink the way you look at all the ingredients that you're buying.

1:40Rachel Hartman:On this episode of Life Kit, Beth and I are going to talk about what to do with the things you learn from this exercise and share a lot more tips for how to save money on groceries.

1:55Jenna Schwartz:This message comes from Jerry. Are you tired of your car insurance rate going up, even with a clean driving record? That's why there's Jerry, your proactive insurance assistant. Jerry compares rates side-by-side from over 50 top insurers and helps you switch with ease. Jerry even tracks market rates and alerts you when it's best to shop. No spam calls, no hidden fees. Drivers who save with Jerry could save over$1 ,300 a year. Switch with confidence. Download the Jerry app or visit jerry.ai slash npr today. Support for this podcast and the following message come from strawberry.me. Be honest. Are you happy with your job?

2:36Jenna Schwartz:Are you stuck in a job you've outgrown or never wanted in the first place? Are your reasons for staying really just excuses for not leaving? Let a career coach from strawberry.me help you get unstuck. Discover the benefits of having a dedicated career coach in your corner and get 50 % off your first coaching session at strawberry.me.npr. This message comes from Charles Schwab with their original podcast, Choiceology, hosted by Katie Milkman, an award-winning behavioral scientist and author of the best-selling book, How to Change. Choiceology is a show about the psychology and economics behind people's decisions.

3:14Jenna Schwartz:Hear true stories from Nobel laureates, historians, authors, athletes, and more about why people do the things they do. Download the latest episode and subscribe at schwab.com slash podcast or wherever you listen. This message comes from Audible. Manifestos are a call to action, an artful scream. They capture people's anger and try to do something with it. Dan Taberski's Manifesto is a podcast that attempts to take the manifesto back from mass shooters and nihilists and return it to its rightful place with regular folks with just the right amount of crazy. Listen to Dan Taberski's Manifesto wherever you get your podcasts or binge the entire series right now only with Audible.

3:57Rachel Hartman:Walk me through how you think about cost as you're coming up with a recipe. Sure.

4:02Jenna Schwartz:So like if I make a pot of chili, normally a recipe for chili will include a pound at least of ground beef. So something that I like to do is reduce that ground beef by half. So I'm still getting that beefy flavor and that satisfying mouthfeel of actually eating beef. But then I bulk up the recipe with extra beans, maybe some lentils, or maybe even some extra vegetables if I have them, sometimes pasta and rice. Those are all far less expensive per pound than beef is going to be. Even if you just adjust the ratio slightly in your recipes, it can make a really big difference.

4:36Rachel Hartman:What are some of the other ingredients that tend to be cheaper that you could use as the bulk of your recipes? My favorite is cabbage.

4:44Jenna Schwartz:Cabbage is so versatile because it can go with so many different flavors and there's a lot of different ways you can prepare it and it's so filling. Don't forget about potatoes, onions, carrots. Even broccoli sometimes can be pretty inexpensive. So take a look in your produce aisle for the ingredients that are a little bit lower price and just try adding those into your recipes and it will really increase the number of servings without increasing the cost.

5:11Rachel Hartman:Okay. And then on the other side, what are some ingredients that tend to be on the more expensive side of things?

5:18Jenna Schwartz:So it's usually, unfortunately, the animal products, the ones that really make people drool, like meats and cheeses, dairy. but also nuts are pretty expensive. But most of these ingredients are super potent as far as the flavor. So if you just add a little bit, it really goes a long way. So like if I use bacon in a recipe, I am very rarely using the entire package of bacon. I'll use maybe two to four ounces. So like a quarter of the package and you still get all of that smoky flavor in your recipe. You get the fat that gives you a nice mouthfeel and it's way less expensive.

5:53Rachel Hartman:And then if you are buying stuff like that and you're only using a bit of it, do you have any tips on keeping fresh food fresh?

6:03Jenna Schwartz:Yes. So I rely on my freezer heavily for saving leftover ingredients. I often freeze leftover cheese. Leftover bread products freeze really well. And if you can't freeze what you have leftover, make sure to incorporate those ingredients in your menu for the next week or the next few days. And on our website, we have an ingredient index, which is really handy for that. So say you have like a leftover half a bunch of parsley that you don't want to go to waste. You can just click on parsley in our ingredient index and see all the different recipes we have.

6:37Rachel Hartman:Is it worth investing in any special freezer bags or other kinds of Tupperwares that'll keep things fresher?

6:47Jenna Schwartz:I don't think it's necessary. I think your best bet is to just stay on top of what you have on hand and make sure you're using it before it's been in the freezer for a really long time. So one way to stay on top of that is you can actually keep a list magnetized to the front of your freezer. And every time you put like a leftover ingredient in the freezer, you know, just write it down, write the date on it. And then if you use it, cross it off your list.

7:11Rachel Hartman:Yeah, I have like a half a bag of eggplant meatballs, meat is in quotations, in my freezer right now. And every time I open the freezer, I'm surprised to see them in there. And I'm like, maybe next time, maybe tomorrow I'll take those out. But yeah.

7:33Jenna Schwartz:Put it on your calendar. I find that if I put things on my Google calendar, then I don't forget.

7:40Rachel Hartman:Okay, noted. Cook the meatballs. Cook the meatballs. So what about when you are doing the actual shopping? How do you choose a grocery store?

7:51Jenna Schwartz:I really encourage people to look around in their area for what's available other than the main large chain grocery stores because you can find some really great deals in other types of stores. You might have some smaller local stores. Sometimes some ethnic grocery stores have some really great deals. And then also check out your farmer's markets. So once you get to know the stock and the average prices in each of those stores, you can kind of decide which one is the best for me to shop at this week or do I need to shop and get a bulk of my ingredients at one store and maybe stop at another one on the way home just to get the last couple of items.

8:25Jenna Schwartz:Another technique I use is I have an app called Flip, F-L-I-P-P. And it's a free app. And basically what it does is it aggregates the sales flyers from all of the stores in your area. And you can set it to only show you the stores that you want. But you can see what's on sale at that store that week. And that can also help inform your decision of where to shop that week.

8:47Rachel Hartman:Do you have a meal plan going into looking at those circulars or do you look at them and say, oh, cabbage is on sale, so I'm going to make a recipe that has cabbage in it?

9:03Jenna Schwartz:I would look at the sales flyer while you're developing your recipe for the week. So the main things that I take into consideration when deciding what to cook for the week ahead is A, what's already in my kitchen, in the pantry, freezer, refrigerator? Those items I want to use up first. Then go check those sales, see what might be on special that week, and pick your recipes that way. Every now and then there is a sale on something that you might not be able to use at that exact moment, but that's when your freezer will come into play again. You're essentially like locking in the sale price for the next time you want to use that ingredient.

9:34Jenna Schwartz:Do you find that it's usually cheaper to buy in bulk? Not all the time. I think it's really, really important to do comparison pricing for everything, not even if it's just in bulk, sometimes just different packaging. The same grocery store shelf will have drastically different prices. I see it all the time. But then you also have to take into consideration is A, do you have storage room for the item that you want to buy in bulk? And then B, are you really going to use it in a reasonable amount of time before it goes bad? So you really want to consider all of those things. But I personally don't really ever buy in bulk unless it's meat or something that I could freeze for later.

10:11Jenna Schwartz:We'll have more Life Kit after the break. This message comes from Jerry. Are you tired of your car insurance rate going up, even with a clean driving record? That's why there's Jerry, your proactive insurance assistant. Jerry compares rates side by side from over 50 top insurers and helps you switch with ease. Jerry even tracks market rates and alerts you when it's best to shop. No spam calls, no hidden fees. Drivers who save with Jerry could save over$1 ,300 a year. Switch with confidence. Download the Jerry app or visit jerry.ai slash npr today.

10:50Rachel Hartman:I want to talk now about the moment that you're at the grocery store. If you are shopping in person, it can be really overwhelming, right? You have so many choices. You have bright lights and music and crying babies and squeaking shopping carts. And it can just feel like you have to make a decision instantly. So do you have any tips on how to stay focused while you're shopping?

11:15Jenna Schwartz:Yes. So grocery shopping is probably one of my least favorite activities. So I make it as efficient as possible. So A, having a plan before you go in is absolutely essential. Know what recipes you're going to cook. write down the ingredients for all of those recipes. Before you go to the grocery store, take that list to your kitchen and just double check for each one of those items because you might not realize you already have some of those things on hand. And then once you have this on paper and you go to the grocery store, you know exactly what you need. You can stay focused. If you want to do a little bit of pre-shopping online, you can just type each ingredient into the search bar on your grocery store's website.

11:52Jenna Schwartz:It will show you what they have available at that store and you can price compare in the moment on your computer before you're in that overstimulating environment. Decide which one you're going to get. It often even tells you what aisle it is in so you know exactly where to find it. So I can get in, get what I need and get out and get on with my day.

12:11Rachel Hartman:Yeah, that's a hot tip. I did not know that. I just like to go on my way home from work when I'm starving and like, bad idea, bad idea. Kind of hangry, you know, have a bit of a headache. That's my fave way. No preparation, just vibes.

12:30Jenna Schwartz:And how much do you spend? Yeah, too much. Impulse buys. Yeah. And like, I don't know. I mean, not everyone has this luxury, but I try to go like in the least busy day and time of the week because it's just a little bit less chaotic then and it makes it less horrible. So if you have that option, try to do that too.

12:50Rachel Hartman:How does this quest for cheaper groceries change if you live, say, in a house in the suburbs versus in a small walk-up apartment in a city?

13:00Jenna Schwartz:Yeah. So you just basically have to be extra diligent about what you're buying and what you're using and having a plan. In that case, I would also try to probably lean more heavily on dried goods, things that don't have to be stored in the refrigerator or the freezer. So like dry lentils are a great one, pastas and rices, even canned goods can be a good option.

13:20Rachel Hartman:What if you are someone who needs to have groceries delivered for one reason or another? Do you have any tips on doing that, on getting grocery delivery as affordably as possible?

13:32Jenna Schwartz:I think the one good thing about doing grocery delivery is it's really easy to cost compare are different items. And then I would suggest using a service that is really good with communication as far as like doing replacement items or alternate options. Because if a grocery store is out of one thing that you need and the shopper doesn't ask if there's something you want instead, that can throw off your entire plan for the week. And then you might have several other ingredients on that list that are being purchased that you don't even need anymore. So I would go with a service that has a lot of flexibility that way and has shoppers who are really communicative.

14:12Rachel Hartman:So what if you're doing all the meal planning and all the budgeting, but you're still having trouble affording groceries? What are your options?

14:21Jenna Schwartz:I would look into what food banks are available in your area. I think it's a really great resource that is often overlooked or people think food banks are for people who only have no food, But really, it's like a bridge to help people through these tough times. So you don't have to be getting all of your food at a food bank. Maybe you just need an extra couple of items to help get you through, you know, till your next paycheck. And I don't think people should feel ashamed if they have to use a food bank. Everybody goes through hard times and that's what these services are there for.

14:54Rachel Hartman:And with a food bank, is it generally that you get a box of items but you don't choose what's inside? or do you choose, like, do you say, hey, I need cereal, I need milk?

Read the full transcript

15:07Jenna Schwartz:Yeah, usually you have an option. So a lot of them are set up kind of like a pantry. So you go there and you see what's available and then you can pick and choose what you need at that time. So it's pretty flexible and they're just so helpful.

15:20Rachel Hartman:And on the flip side of that, I guess if you have leftover groceries that you want to donate, food banks are a good place to bring them.

15:28Jenna Schwartz:Yes, if they're unopened, I think a lot of food banks do accept those, but you'll have to check with the food banks in your area to see exactly what they accept.

15:35Rachel Hartman:So I'm wondering, for folks whose circumstances have recently changed and now they have to put a lot more thought into how to afford groceries, how could they manage some of the emotions that come up around that?

15:48Jenna Schwartz:Yeah, it can definitely be overwhelming. And this is something I always tell people is to start small. Because if you try to start by cooking every single meal at home, you're going to get overwhelmed, you're going to give up and you're going to go back to ordering out. So start by planning one recipe for one week and just see how that goes. And then once you get comfortable with that, add a second recipe. And each of those recipes is going to make multiple servings. So it might even end up feeding you for a few days. And then the other really important piece is to keep track of that spending.

16:21Jenna Schwartz:If you see on paper just how much money you're saving by cooking that one recipe, you will make a mindset shift and you'll say, okay, I just saved $30 by cooking that one recipe or maybe even more. I think it's important to find the joy in the cooking and not see it as a chore. So if you have your Saturday morning set aside for doing some meal prep cooking, you know, turn on some music, make yourself a special coffee or a drink and have fun with it or get your friends and family involved. Cooking together with the people that you love is really great quality time and it's a fun event. It doesn't have to be a chore.

17:01Jenna Schwartz:And you know what I've noticed through a lot of our readers over the years is that they didn't think they liked cooking, but once they made that first recipe that was like a total success, it gave them a sense of pride. And then that encouraged them to try even more. And then before you know it, they loved cooking as a hobby because it's like, I made this really cool thing with my hands and then I get a really good meal out of it at the end too. And like, what's not to love about that? I mean, maybe the dishes, but.

17:31Rachel Hartman:Yeah. We just did an episode on cleaning and we encouraged people to change their mindset about that too. Also see them as doing the dishes as a kindness to yourself.

17:43Jenna Schwartz:That's a tough one, but

17:44Rachel Hartman:we could try. I'm still working on that.

17:46Jenna Schwartz:Yeah.

17:49Rachel Hartman:Beth, thank you so much. All of these have been really helpful.

17:54Jenna Schwartz:Thank you so much for having me. Yep.

18:00Rachel Hartman:All right, time for a recap. If you want to save money on groceries, spend the time to calculate the per serving cost of one of your go-to recipes. You'll notice that some ingredients are more expensive, and you can cut back on the amounts of those you use. Meats, cheeses, and dairy products tend to be in this category, and so are nuts. Look at the store circulars before you go shopping. Make a list of what you need. And remember, it's not always cheaper to buy in bulk. Also, if you're having groceries delivered, make sure they contact you about replacement items when something is out of stock.

18:36Rachel Hartman:Go slowly when it comes to meal prep. Start out by prepping one meal a week ahead of time. You don't want to burn out when you've just gotten started. Also, consider food banks. They can be a life-saving resource. And you're allowed to use them even if you can afford some groceries. Sometimes they're a way to fill in the gaps.

18:58Rachel Hartman:For more Life Kit, check out our other episodes. We have one on reducing food waste, another on composting, and another on meal prepping. You can find those at npr.org slash lifekit. And if you love Life Kit and want even more, subscribe to our newsletter at npr.org slash lifekitnewsletter. This episode of Life Kit was produced by Sylvie Douglas. Our visuals editor is CJ Riccolon, and our digital editor is Malika Grieb. Megan Cain is our senior supervising editor, and Lauren Gonzalez is our executive producer. Our production team also includes Andy Tegel, Margaret Serino, and Claire Marie Schneider.

19:34Rachel Hartman:Engineering support comes from Sina Lefredo and Jimmy Keeley. I'm Mariel Segarra. Thanks for listening.

19:48Jenna Schwartz:This message comes from IXL, a learning platform for helping kids build confidence and get up to speed fast. One subscription covers math, science, and reading for all children in a household. Receive 20 % off at IXL.com slash NPR. This message comes from Charles Schwab with their original podcast, Choiceology. Choiceology is a show about the psychology and economics behind people's decisions. Download the latest episode and subscribe at schwab.com slash podcast. This message comes from Jerry. Noticing your car insurance rate creep up even without tickets or claims? You're not alone. That's why there's Jerry.

20:29Jenna Schwartz:Jerry handles the legwork by comparing quotes side by side from over 50 top insurers so you can confidently hit buy. No spam calls. No hidden fees. Jerry even tracks rates and alerts you when it's best to shop. Drivers who save with Jerry could save over$1 ,300 a year. Don't overpay. Download the Jerry app or visit jerry.ai slash NPR today.

From the publisher
Groceries aren't cheap, but there are ways beyond just looking for sales to make budget meals. To help cut down your grocery bill, we have practical tips for saving money on the food you cook at home. This episode original published May 30, 2023.

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