20 Ways To Spend Less on Groceries For Holidays!
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"20 Ways To Spend Less on Groceries For Holidays!"

San Diego, CA.

1) Minimize number of trips to the store.
2) Always use a list designed on store layout to save time and money.
3) Shop alone and avoid going to the store just before a meal.
4) Always check store ads and flyers for on sale money saving specials.
5) Take advantage of the always plentiful coupons and rebates.
6) Shop stores that double or triple coupons for greater savings.
7) Cold cuts of meats usually cost less per pound at the deli-counter.
8) Save money on cheese: purchase in blocks, slice and shred at home.
9) Purchase fresh, unpeeled, unwashed, unpackaged vegetables.
10) Purchase fruits and vegetables by the bag for best value.
11) Purchase milk by the gallon, versus quarts, for best value.
12) Bulk buy whenever practical and save on cost per ounce or pound.
13) Avoid using expensive cuts of meats in stews or casseroles.
14) Compare prices on fresh/frozen turkeys for more edible meat per
pound.
15) Pre-packaged foods cost 10 to 20 times more.
16) Purchase generic or store brands when practical and money saving.
17) Purchase fresh seafood in season to avoid higher prices.
18) Avoid the more expensive single servings and so-called snack-packs
19) Purchase fruits and vegetables in season to avoid higher prices.
20) Items placed at eye level on shelves are often more expensive.

Editor's note: The MONEY HELPS packet is $1 for consumers who send the ICFE a 60 cent stamped self-addressed #10 envelope. MONEY HELPS includes: "Spender's Profile"; "15 steps to improve spending" "How to spend smarter for household and grocery items"; "How to set up and implement a spending-plan"; "Dealing with creditors"; "Steps to take to reduce indebtedness." Send to: ICFE Money Helps, PO Box 34070, San Diego, CA 92163-4070. The same information is available at: www.financial-education-icfe.org.
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About the ICFE:

The Institute of Consumer Financial Education (ICFE), founded in 1982 by the late Loren Dunton - creator of the "certified financial planner” (CFP) designation - is dedicated to helping consumers of all ages to improve their spending, increase savings and use credit more wisely. The years between 1984 and 2000, the ICFE was also known as the National Center for Financial Education (NCFE).

The ICFE is a nonprofit consumer education organization that has helped millions of people through its education programs and Resources. Over one million "Credit / Debit Card Warning Labels” and "Credit / Debit Card Sleeves” are in circulation world wide.

The ICFE's on-line help for consumers who spend too much was featured in PARADE Magazine (June 9th, 2002) in the Intelligence Report section. The money helps and tips are from the "Money Instruction Book," a course in personal finance, which was completely revised and updated in 2002 and is positioned to become among the premier programs in the new bankruptcy and debtor education initiatives.

The ICFE's "Do-It-Yourself Credit File Correction Guide," now in its Twelfth Printing, is in use by thousands of consumer credit and debt counselors in addition to tens of thousands of consumers. It received a "buy” rating in July, August and November from nationally syndicated financial columnist, Humberto Cruz in his column, "The Savings Game". BottomLine Personal newsletter gave the Guide a "Send For” rating in September 2001. The ICFE and our do-it-yourself approach to credit file correction was featured on NBC Nightly News on 04-30-02. The Spanish edition of the Guide premiered in January 2002. Syndicated columnist, Robert Heady also gave the ICFE Guide a "buy” rating.

The ICFE Web site at: www.financial-education-icfe.org helps consumers with mending spending, learn about the proper use of credit, budget and expense guidelines, how to set up and implement a spending-plan and also access financial education courses and videos and how to teach children about money. Other ICFE services include a free eNews, and an on-line resource center of financial education learning tools, including videos, books and personal finance courses.

Consumers may learn more on the Internet about the "Do-It-Yourself Credit File Correction Guide" here, or fill out our request form, indicating your areas of interest.

For more information contact Paul S. Richard ICFE Executive Director at 619-239-1401.
ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.
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ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.
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