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How To Help Keep Your Grocery Shopping On Budget Using a Visa Prepaid Card!

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Last month we covered a few creative ways to plan a vacation or staycation on a budget.  While I only used $150 for my staycation budget the tips would still apply for a larger budget.  This month I wanted to cover a few other ways you can budget using a Visa Prepaid card, because not everyone believes in taking a vacation. Since we all have to buy food or go grocery shopping I thought that would be a great place to start. Thanks to the Visa Clear Prepaid program and the Kaiku®  Visa®  Prepaid Card for sponsoring this post.

During the summer it’s easy to want to stray from your budget because of all the fun things there are to do, eat or buy. However, when it comes to financial planning and attaining financial freedom, sometimes sacrifices must be made and discipline has to be exercised. One reason I love the idea of having my Kaiku® Visa® Prepaid Card is, I can put an amount on it each month and I’ll be forced to stick to it unless I want to reload my card.  Sounds easy enough, but the thought of reloading your card will make you think twice because you’ll know you’re going over the budget you have set. So let’s talk about ways to put together a realistic shopping budget and stick to it!

Tip 1: Write Out A List Of All The NEEDS You Have!

In general, I don’t recommend going grocery shopping without a list.  When you don’t have a list to stick to it’s easy to go rogue, lol, or forget things you need.  These things will end up costing you more money in the long run.  I recommend considering some meal planning to help decide what you need to buy each month. Once you have all the NEEDS jotted down, then you can add the wants.  Be sure to estimate cost as you go so you can keep up with you budget.

How To Help Keep Your Grocery Shopping On Budget Using a Visa Prepaid Card!

Tip 2: Maximize Your Shopping Budget With Coupons!

Now that you have a list to work from, it’s time to go coupon clipping.  These days it’s so much easier to use coupons because we can use them from apps or a lot of stores have discount cards on which you can pre-load coupons. I’m not asking you to become an extreme coupon clipper, that takes a lot of time and dedication… but I am saying that it doesn’t take a ton of effort to have an app, use a discount card, or even check what grocery specials are happening while you plan your list.

How To Help Keep Your Grocery Shopping On Budget Using a Visa Prepaid Card!

Tip 3: Plan Your Trip & Shop In Bulk

I always recommend planning a day to go shopping so you can make sure you’re in the right mind frame.  Which means; don’t go on an empty stomach, don’t go during traffic, and you have your list and coupons prepared… seems like little things, but they usually cause us to spend more money. Another tip is, when you can, Shop in BULK! Shopping in bulk allows for you to make less trips to the store. If I’ve set a budget of $150 to shop each month and I go to the store 3 times and spend $50 each time… I’ve also just spent more gas vs. going to the store once and spending my $150.

Using your Kaiku Card is also great way to show your kids how to budget or control a spending budget for allowances.  One account can have up to three cards so you would be able to add money for monthly allowances easily.  Another great way to use it is for your teen that’s going off to college.  Sometimes it’s hard to get money to them when they’re so far away and you also want to teach them discipline with their spending.  With a Kaiku Card you can add money whenever and also make sure you keep them on a previously discussed monthly spending limit. Those are just a few other ways you can use your Kaiku Card!

 How To Help Keep Your Grocery Shopping On Budget Using a Visa Prepaid Card!

So… How Does Your Kaiku® Visa® Prepaid Card Work?

Getting your card is very easy, just visit kaiku.com and select the Get a Card button on the upper right hand side. Once you’re there you have the option to select the color of your card.

Next, enter your personal information including name, zip code, mobile phone, email, date of birth and social security card information. You will also be asked to provide a password and select a security question. *Note: A credit check will not be run.*

You will receive your personalized Kaiku card in 7-10 business days. Once you receive your card in the mail, call (855) 285-2458 or go online to kaiku.com/activate to activate. You will likely be asked for the card number, the security code on the back, and a pin to activate the card.

Once you’ve activated your card, you can load it 3 ways; by cash at any Visa Readylink location in your area, *Note: Using a Visa Readylink location to load cash is the quickest way to load your card. Fees to load the card vary by location and range from $2.95 – $4.95.*, by check with Kaiku’s mobile app but that option can take 7-10 business days, and by transferring funds directly from your bank account which can take 2-4 business days.

Now that you have your money loaded, you’re ready to SPEND! You can find the full list of fees to keep in mind here.

At the end of the day, I know that I feel better knowing that I can enjoy my mini break with the type of protection that the Visa Clear Prepaid program provides me.  That includes; easy to understand fee plans, no overdrafts, deposit or share insurance to protect my money AND Visa’s Zero Liability* fraud protection for if my card is lost or stolen.

Now THAT’s a way to spend with a clear head!

This is a sponsored post written by me on behalf of Visa Clear Prepaid and Kaiku® Visa® Prepaid Card.

*Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

About the Author
Da Vinci, Editor in Chief of Your Life After 25, has carved out her own position as a Realistic Optimist, and modern day Renaissance woman. Your Life After 25 is the women's magazine for all women, but we put a spin on things and also make sure to embrace life for ladies over 25. Whether you're 25, 30, 35, 40, 50 or older we have something for you! Your Life After 25 "Believe It Or Not, It Does Go On"
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