Creative (and Effective) Ways To Save On Groceries

1. PC Plus™ (Canada)


The PC Plus™ rewards program offers personalized offers based on your grocery shopping habits. Every week, you will receive an email with your personalized offers, which can be loaded to your card. For example, buying bananas may earn you an extra 200 points. When you grocery shop that week and purchase bananas, 200 points will be awarded onto your PC card.

There are also in store offers with a PC sticker near some products, which offer even more points.

PC Plus™ Points Offer
PC Plus™ Points Offer

Joining the PC Plus™ program is free of charge. You must be at least 14 years of age. You will receive a key tag or a card to collect the points.

Read More: Quick Tips on How to Save During Grocery Trips 

Collecting and Redeeming Points:

1000 points is equal to $1. Once 20,000 points is accumulated, you can redeem $20 off your grocery bill. The points must be redeemed in increments of 10,000 points. For example, if you have 46,000 points, $40 can be redeemed off your grocery bill. Personally, I collect the points until I have enough to redeem for a free grocery trip, this way you really feel what the program has to offer, which is ultimately free groceries! The PC Plus™ program is available at the the following stores across Canada. Atlantic Superstore, Dominion (Newfoundland and Labrador), Bloor Street Market, Extra Foods, Fortinos, Loblaws, Loblaws City Market, No Frills, Loblaws Great Food, Maxi, Maxi & Cie, No Frills, Provigo, Provigo Le Marché, Real Canadian Superstore, Save Easy, Valu-mart, Your Independent Grocer, and Zehrs. You can also earn points on fuel at select Gas Bar, Refuel, At the Pump and Plein a gaz stations.

2. Take a picture of your grocery receipt – Checkout 51

Checkout 51
Checkout 51

Checkout 51 is a program which offers cash back for some of your grocery items. It’s an app available on most smart phones. Every week various offers are uploaded onto the app, you can accumulate cash back for any of the items purchased and matched to the offers. Of course you don’t want to buy items you

Checkout 51 Offers as of Feb 19, 2015
Checkout 51 Offers as of Feb 19, 2015

weren’t going to be in the first place. Therefore this is just a simple way of getting a little bit of cash back for your grocery shopping.

The good part is, it’s not just groceries, they have offers on wine, spirits, hygiene products and more. Simply take a photo of your grocery receipt and mark off the items matching the offers. The cash will be added into your Checkout 51 account, once at least $20 is accumulated, they will send you a cheque  in the mail.  

3. A SALE is NOT always a good thing

You can save by simply mastering your self control skills and identifying good vs. bad sales. A sale is not always a good thing. For example, there is a sale on potato chips at my local grocery store, the offer is 2 for $5.50 or $2.99 each. Many may see this as an opportunity to save 50 cents. However, this is actually an opportunity to spend an extra $1.50. (Unless you are a chips fanatic, then it’s your lucky day!)

The strategy of deferring payments is the way to save on your groceries. When it comes to grocery shopping, paying later is always better than paying now. See if you spend an extra $1.50 here and $2.00 there and so on, this money will definitely add up to significant amounts over time. Pick and choose your sales and always decipher the products between wants and needs, or necessities (main meal) vs. indulgences (chocolate, junk food etc).

4. Download the flyers on your smart phone


You can quickly browse through all your favourite store flyers on a smart phone app called Flipp. It offers all the deals of the week, no need to pick up the local flyers or wait for it in the mail. Simply flip through Flipp on your lunch, coffee break etc. and plan out your grocery shopping destination within minutes. In the app, you can get your daily local flyers, make a shopping list and find and clip the best deals. The best part is it saves not only money, but also time, since you won’t have to wait for the flyers to be mailed out, and the app can be used anywhere you go.

Category: BloggingCreativeLifeSavingsTips and Advice


  1. Man groceries are always a huge part of my budget. Especially now that my babies have grown into toddlers and preschoolers. These kids can eat a metric ton lol. Thanks for the tips!

  2. These are all great tips! I live in the US, but I have learned that sales at the local grocery store is not the best price. We shop at Costco, Trader Joe’s, and Walmart for almost all our groceries. It’s amazing the different of what $200 at those stores can get you compared to our local grocery store.

  3. Hi Anna, thank you for yet another wonderful article! I love saving with the PC card and when I don’t have time with late work nights and kids’ activities I just order on Instabuggy, but usually when I need more than $60 worth of things to get their free delivery.

    Btw, I love your shot of crossing the street. Was this photographed in Toronto? 🙂


    1. Hi Tara, Checkout 51 and PC Plus have been serving me well so far, at no extra cost! I save about $10 a week on my groceries, but I know the savings may vary based on your family size and the products you buy. 🙂

  4. Ask your local electric or gas utility for a free or low-cost home energy audit. The audit may reveal inexpensive ways to reduce home heating and cooling costs by hundreds of dollars a year. Keep in mind that a payback period of less than three years, or even five years, usually will save you lots of money in the long-term.

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Article by: Anna Suzdenkova

Employed in the financial sector for over 7 years. Held various roles including financial advisor, auto claims adjuster and manager of customer service. Attained an accounting degree with Honours. Mutual fund licensed. Passionate about helping people. Forever an optimist, positivity is the key to a happy life. Enjoys helping people decipher the banking world and use it to their advantage!