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Amber Erickson: Denver Content Marketing Strategist & Freelance Health and Lifestyle Writer

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3 Ways to Save on Organic Food

by Amber Erickson

picture of blackberry bush - how to save on organic foodFood is expensive. Organic foods are really expensive. For some of us, it’s non-negotiable and the cost doesn’t matter. For others (probably most), it’s hard to justify organic when the price is drastically different. Eating well on a budget is totally do-able. Here are three simple ways to save on organic food.

 Save on organic foods tip # 1: Shop Bulk

The bulk aisle is a great way to save, especially when it comes to packaging. Not all bulk is cheaper, so pay attention, but for many items, it’s definitely the way to go. Especially check out beans, nuts, legumes and spices. Some stores also have oils, vinegars, honey, nut butters, dried fruit, granola, cereal, candy and  other options.

The best thing about bulk is only buying what you need. I like to refill spice jars/containers. I once filled one of those small plastic containers with organic dried basil for less than a dollar. That’s huge savings over buying a new container full. We attempt to refill anything we can – olive oil, almond butter, rice, honey, soy sauce, etc. It’s usually cheaper and cuts down on packaging waste.

Make sure you bring your own containers and weigh them prior to filling. That is called the tare and most places will deduct that weight to make sure you’re only paying for the items you’re purchasing.

Save on organic foods tip #2: Prioritize organic fruits and veggies

While going strictly organic is noble, sometimes it’s just not possible or economical. If you’re doing a combo shopping, with some organic and some conventional, make sure you know the dirty dozen. Every year, the Environmental Working Group (EWG) puts out the dirty dozen. These are the 12 items to only buy organic. Some fruits and veggies are treated with different chemicals and the chemicals react differently in them, making some more potentially dangerous than others. Check out the dirty dozen and clean 15 here.

Also look for stuff in between. I’ve seen pesticide-free or natural on labels before. This usually tells you that the farm isn’t certified organic (which is a lengthy and costly legal designation), but practices more sustainable methods. Especially if shopping at farmers markets, talk to the farmer or stand worker to understand their practices. Sometimes conventional doesn’t mean laden with chemicals.

Save on organic foods tip #3: Compare prices

You may not want to drive all over town buying partial groceries at various stores, but sometimes it’s worthwhile to seperate. For example, Costco carries select organic items, such as grass fed beef, natural chicken breasts, lemonade, etc. You will need to weigh the cost of membership against potential savings, but especially for families, this could be a viable option.

For those in smaller towns, check out all the competition. Compare prices and selection at your grocery stores and although part of me feels slimy for even saying it, I hear Walmart has a decent selection as well.

If you have a co-op in your area, ask about what membership means. All co-ops work differently and have different member benefits. We used to belong to a co-op in Minnesota where once a month you could get 10% off all purchases. I would do a bigger shop on those days. The co-op in my town in Colorado has a low yearly membership fee, but if you work a four hour per week volunteer shift, you get 20% off. Considering we do 95% of our shopping there, this discount equals $30 or so a week in savings.

Perhaps the most cost-effective route for you is different. Don’t forget about CSA shares, buying meat directly from farmers and farmer’s markets or growing your own food.

Does this all take a little more time and potentially a little more money? Yes. But is it worth it? That is up to you to decide. Each person’s shopping list and preferences vary, so take these suggestions into account and make the decision that’s best for your family.

Did you find these tips helpful? Share your experience with saving on organic food in the comments.

Filed Under: Blog, Environment, Food, Holistic Health, Home, Money Tagged With: budget, food, groceries, organic, shopping

Are You Financially Whole? Three Steps to Get There

by Amber Erickson

Note: This post originally ran on the Prescribe Nutrition blog. Prescribe Nutrition is about nutrition for real life, meeting people where they are and offering resources to eat clean and feel your best. Run by two functional nutritionists, the programs are online, available to anyone, anywhere and they will change your life. For the better. Check them out – you won’t be disappointed. 
 
Financial Wellness

When we think about wellness, it’s easy to look to the obvious facets: physical, mental/psychological and perhaps spiritual, but there are several other factors that influence our overall well-being. These include intellectual, occupational, emotional, environmental and everyone’s favorite, financial. Some facets affect health and well-being more directly than others, but they are all important in being truly healthy, well and whole.

Financial wellness is a tough one because most of us are never really happy with where we’re at. Financial situations change, stuff comes up, challenges arise and we may go from financially well to unwell, and vice versa, many times over the course of life. Start by asking yourself if you have enough money. If the answer is no, begin to contemplate why and what could change.

Being financially unwell is stressful and puts excess strain on our bodies, minds and spirits. It’s tough, I’m with you there. Money troubles seep into every area of life and have far more implications than we usually realize. Luckily, there is hope.

Remember that finances are a lifelong journey, don’t get overwhelmed. Just take it one step at a time. Here are three topics for you to consider in becoming more financially well:

Understand Your Whole Financial Picture

Finances don’t have to be complex, but you need to be aware of every piece of it and how it all works together. Take some time to look at everything you have, including:

  • Checking Accounts
  • Savings Accounts
  • Credit Cards
  • Store Credit Cards
  • CD’s/Savings Bonds
  • School Loans
  • Car Loans
  • Other Loans
  • Mortgage
  • 401K/IRA (Retirement)
  • Employee Stock Plans
  • HSA
  • Monthly Bills (Utilities, Groceries)
  • Car Insurance
  • Health Insurance
  • Other Debts

Start by making a list of everything related to money in your life, without assessing or criticizing it. What are you spending, where is your money going and when or how frequently? What are you saving, into what accounts and how frequently? Consider keeping individual files to help stay organized.

Once you have your comprehensive list, sit with it. Think about it. Become friends with it. Nothing on that list is good or bad, it just is. Now is a good time to put some goals around this list. Spend time considering what your financial goals are – do you want to buy a home in the next year? Quit your job to go solo? Pay down debt? Simplify your finances? Make a note of these goals and what items those goals focus on.

To be truly financially well, we need to have a full understanding of our finances. That doesn’t mean our finances have to be perfect, but we need to be in a position where our finances aren’t controlling us, stressing us out or limiting our potential to reach our goals. What that means for you is yours to figure out.

Assess Your Finances

Once you have an idea of your financial picture, the next step is to assess those items. This might be a dirty process, but is necessary. Set aside some undisrupted time and start with the accounts you use regularly. For many of us, this is checking, savings and credit cards. Print spending reports or find statements for the past 6 months for all those accounts and dig into the details.

I like to go through line-by-line and categorize everything, starting with regular expenses, perhaps more of the ‘need’ items (rent/mortgage, utilities, groceries, gas/transportation, car payment, school loans, etc.). Move onto the ‘wants’ which may include shopping, personal care/beauty, dining out, entertainment, etc. This is where the cringing begins ($500 on Starbucks, yikes!) or you might begin to notice trends in your spending.

Next, go through and assess income. If you have a steady job, this will be easy, but for those of us with less traditional income streams, this is especially important.

The first rule of financial wellness is to make more than you spend.

Once you have your assessment done, set it aside (maybe make a cocktail) and give yourself a break. After a bit, go back and start making some decisions. Use your goals as a guide and go through one category at a time with a fine-tooth comb. Could you save on gas by taking the bus more or working from home? Could you eat out less, choose less expensive places or cut out the drinks/appetizer/dessert? Could you turn your heat down a couple of degrees to conserve energy? Could you cancel subscriptions you don’t use? Cancel cable? Lower your phone plan? Change to a bank with fewer fees? Is there cheaper housing available? Should you get another or a different job? If you have a surplus, are you putting your savings into the best places? Could you capitalize more on pre-tax contributions?

If you don’t like what you see, consider instituting a budget – as simple or complex as you see fit. This is your financially process, and you will need to find a system that is appropriate for you and sustainable.

Finally, assess your other accounts. For loans, retirement accounts and the like – stuff that doesn’t see a high volume of debits and credits – check for fees or charges, make sure you are paying it on time and make note of whether there is a way to minimize that amount. For loans, can you refinance at a lower rate or consolidate? Is there a credit card with lower interest rate?

Be Honest About Your Finances

This is the hardest of all for many of us. You’ve done all the work to assess your finances, you understand where your money is going and you see areas that need improvement. Now you need make peace with that and make the necessary changes. If you can’t pay off your credit card each month, don’t spend recklessly. If you are invited to do something outside of your budget, tell them you can’t afford to do it. The truth is, you can’t. So don’t go.

I know, I know, this is a major burden on your social life or fun, but it’s the truth and ignoring this fact or being in denial about your financial situation will only make it worse. Debt, or spending more than you make, is a major energy drain and is stressful. What if you could get rid of that debt just by staying home a few nights a week – worth it? I think so, but ultimately, that’s your decision to make.

You don’t have to make a lot of money to be financially well, you just have to be responsible about the money you do have.

It’s easier to be in denial or ignore our financial woes, but that isn’t serving anybody. It’s time to get well. Take control of your finances and begin taking small steps to get to where you want to be. Set your goals, create a budget, become intimate friends with your financial situation and begin on a path toward financially wellness. It may not be easy, but it’s totally worth it.

Share you successes: Do you have any financial wellness tips to share? Put them in the comments.

 

{Photo Credit: Flickr Tax Credits}

Filed Under: Blog, Creativity, Holistic Health, Mindfulness, Money Tagged With: banking, budget, debt, expenses, finances, financial wellness, money, salary

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amber@mindfullywritten.com
952-250-1739

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