In today’s economy, every dollar matters, especially at the grocery store. The cost of food has stayed high, and many Tennesseans are looking for ways to stretch their budgets. If you're searching for smart ways to save money on groceries, this guide is for you.

Even better? If you're short on cash because of a sudden emergency, a flex loan, payday loan, or title loan from Tennessee Title Loans, Inc. could help you bridge the gap without dipping into your savings.

Let’s explore some of the best money-saving grocery hacks, plus how to get an emergency loan when times are tight.

How To Save Money When Grocery Shopping

1. Stick To Store Brands

Granted, there are viable reasons for choosing popular brands (sometimes). However, when money is tight, it's worth going with store-owned-brand food.

Despite public perception, own-brand items are just as tasty as branded products. Most importantly, such foods carry considerably lower price tags so that you can save dollars on your grocery bill every week. 

Give it a try — you'll likely be surprised by how much you can save.

2. Look For Discounts

If you regularly shop at a specific supermarket, take advantage of all its discounts. Stores tend to offer discounts in the form of coupons or at the bottom or back of receipts.

But we live in a digital world. So, you'll likely lose these tiny bits of paper before your next shop. Instead, consider downloading apps that keep your discounts safe until your next visit. 

3. Participate In A Wholesale Club

Wholesale clubs, such as Costco, can offer incredible savings when buying in bulk. You know precisely how important this is if you have a large family. Just keep in mind that buying in bulk means spending more upfront. Therefore, it certainly isn't for everyone.

These clubs also have membership fees. Currently, Costco memberships start at $60 and can run as high as $120 for Gold Star Executive status. While this may seem astronomical, it can be worthwhile if you're regularly stocking up on staples. You can also optimize savings by utilizing cards such as the Costco Anywhere Visa Card by Citi, which doesn't come with an annual fee but necessitates an active Costco membership.

Costco is arguably the most popular one. However, you can shop at BJ's Wholesale Club, Sam's Club, or similar stores to gain near-identical savings.

4. Consider Your Burn Rate

Your burn rate describes how frequently you use products. You should figure out how long different products last you to stock up on deals accordingly. 

If you have space in your freezer to purchase extra discounted chicken. But if bags of chopped salad are on sale and you buy more than you can consume, you'll only waste money, the very thing you're trying to avoid!

5. Eat Before You Go Shopping

Going to the store when you're hungry will see you spend so much more on foods you can't wait to eat. This is a mistake. So, always have a bite to eat before going to the store to ensure hunger pangs don't cloud your judgment. Your bank account will thank you for it.

6. Check The Price Per Unit

The price per unit (i.e., per pound, gram, ounce, etc.) is printed on the pricing display in front of or next to the product. You can also use an online price calculator to determine the cost per unit. This information helps you understand the cost differences between identical products of different sizes. 

7. Protect Your Emergency Fund

Your emergency savings should only be used when absolutely necessary. If you’re facing a sudden expense like a job loss or medical issue, and groceries are unaffordable this week, consider applying for a title loan, payday loan, or flex loan.

But what if you don't have enough money saved to cover the situation? That's where an emergency loan from Tennessee Title Loans, Inc. can help!

When To Consider An Emergency Loan

Sometimes budgeting just isn’t enough. If your emergency fund is low or empty, a flex loan, payday loan, or title loan can help you cover urgent expenses like groceries, car repairs, or bills.

At Tennessee Title Loans, Inc., we make getting an emergency loan fast and easy. You don’t need perfect credit, and you can often get cash the same day you apply.

Types of Loans Tennessee Title Loans, Inc. Offers:

• Flex Loan – A line of credit with flexible repayment.
• Title Loan – Use your lien-free vehicle title as collateral.
• Payday Loan – Short-term cash advance based on income.

If you're over 18, you can turn to us for a line of credit, title loan, or payday loan. These loans are safe and convenient, allowing you to bridge one-off financial gaps without needing a fantastic credit score or waiting weeks for a traditional personal loan application to process. 

FAQ: Emergency Loans & Grocery Costs

What Is an Emergency Loan?

An emergency loan is a fast, short-term loan designed to cover urgent expenses like food, repairs, or medical bills.

Can I Get a Loan If My Credit Is Bad?

Yes! We accept all credit types. You may still qualify for a flex loan, payday loan, or title loan in Tennessee.

What Do I Need To Apply?

You’ll need:

• A government-issued ID
• Proof of income (paystub, benefits, etc.)
• Your vehicle and lien-free title (for title loans)

Bridge Financial Gaps With Tennessee Title Loans, Inc. Today!

Our tips and tricks above will help you save precious dollars when grocery shopping, relieving heavy financial burdens. But if you can't save enough money to fund a current crisis, our title, line of credit, and payday loans are an option.

Please fill out our online inquiry form to learn more about your emergency loan options. 

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.