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The bad news is that COLAs often lag behind real inflation.
She recommends organizing your fridge, freezer and pantry to take inventory of what you already have.
Once you know what you have on hand, she said, take a look at your week.
Being smart with points can create ongoing savings opportunities that are often better than one-time discounts, he said.
This can significantly help you save on the products you buy most frequently.
When it comes to brand choices, opt for store brands over name brands.
Another common misconception is that pre-made packaged food is cheaper than food you’re free to cook.
Some stores offer double, triple, and even quadruple points during gift card promotions.
It can also help you spot trends and potential overspending.
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