Something to consider

Currently Jewel is offering 10% back if you buy a gift card. For example if you buy a $250.00 gift card you would get an additional $25.00, or $30.00 additional for $300.00. I am purchasing one to encourage me to stick to my budget for groceries. You would just use the gift card instead of cash everytime you went to Jewel and once it is gone, you are out of Jewel until you meet what should have been your target date. If you make it to your target date and there is money left, take that cash from your checking account and move it into savings because you would be that much under budget. For example, $275.00 at Jewel would last me about 6 weeks. With that in mind, I would budget my weekly spending based on $43.00 per week. If I go over one week, I need to be under the next. Once I have the card for 6 weeks, I would make a deposit into my savings account of the balance left of the gift card and obviously still use the gift card until it runs out. I am confident I will be making a deposit into savings and I am getting $25.00 of "free" money from Jewel to buy more food.