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8 Ways to Save on Groceries You May Not Have Considered

December 10, 2021

With inflation on the rise, finding ways to save on groceries has become a priority of many of us.  As costs go up at the grocery store, finding ways to reduce our grocery bills becomes more and more important.  That’s because grocery expenses are one of the few things in most budget’s that are flexible.  You can’t reduce the cost of your rent or mortgage but you can always find ways to save on groceries!  Here are 8 ways to save on groceries that you may not have considered!

 

This post may contain affiliate links. You can read my disclosure policy here.

#1 - Do Your Research When Writing Your Grocery List

First, let me start off this section by saying if you aren’t meal planning, you should be!  It can really help you reel in your spending at the grocery store.  When I have a meal plan and a grocery list, I almost never give in to impulse purchases at the grocery store.

Once you have a meal plan, it is easy to write up a grocery list for every item you will need for the week.  I do this sitting at my desk with my laptop.  The reason for this is because I usually go to 3 stores a week. Aldi is my main store and where I get the bulk of my groceries.  But Aldi doesn’t carry everything and I also can’t ignore the fact that occasionally there are better bargains at other grocery store chains.  These better deals usually come in the form of the weekly ad’s loss leader items or by buying sale items and stacking coupons on top of that.

What I use my laptop for is to check out the weekly ad deals at not only Aldi, but also the other stores I might go to. I do this before I meal plan.  Then with my meal plan I create a list of items I will need broken up by store.  I use the store’s website to see how has the best deal on an item.  This is only when I know Aldi might not be the best deal so I am not looking up every item and the price comparison part of my grocery list writing doesn’t take very long.  All in all, I usually spend less than a half hour a week writing my grocery list out and maybe 15 minutes or so creating my meal plan. It’s time well invested because I know it is saving me time and money!

Side note: Does anyone else have a brain full of grocery store prices or am I the only one?  I usually know to the penny what something costs at Aldi.  It’s useful but weird 🙂 If you don’t know grocery store prices, you can create a price list of your frequently bought items to help you with creating your grocery list.  It’s a great way to stay on budget!

#2 - Shop Multiple Stores

This is one of the most important ways to save money on groceries.  If you are serious about saving money and you have the time to spare, it can really be worthwhile to your grocery budget to shop at least 2-3 stores a week.  

While I do the majority (80-90% most weeks) of my grocery shopping at Aldi, I also go to one or two other stores a week.  This allows me to take advantage of the loss leader deals and other great sales that they might have.  Also, Aldi is usually but not always the best deal on groceries.  So if I can get it cheaper somewhere else, I will!  I group my errands together so I hit all three stores in one trip and it usually only takes about an hour to an hour and a half of my morning to hit all three.  Totally worth it to save some money! 

Another advantage of hitting more stores is that you are increasing your odds of finding some markdowns!

# 3 - Customer Loyalty Programs

Join the customer loyalty programs at the stores you shop at. Not only can these savings cards help get you the sales prices at the stores you are shopping at, they often have other benefits as well.  

For instance, when I lived in Michigan my Kroger Rewards card earned me gas points.  Every $100 I spent earned my $0.10 off per gallon at the gas pump.  Often times they offered double fuel point coupons I could add to my card. 

Also, by having my information Kroger knew my buying patterns and sent me coupons in the mail at least once a month that were tailored to my shopping preferences.  Every month, at least one of these coupons was for a free item!  

Most stores also have websites where you can create accounts with your shopper’s card and then add digital coupons to it.

It can really be worthwhile to sign up for a customer loyalty card at your favorite grocery store chains and then spend a little bit of time getting to know their program and finding ways to maximize the benefits it offers!

#4 - Know All the Places to Find Coupons

While years ago the main source for coupons was the Sunday edition of the newspaper, the age of the internet has given us even more (and more convenient) ways to save money on groceries with coupons.

 As I mentioned above, you can create accounts on the websites of the grocery stores you shop at.  This will allow you to add digital coupons the store offers to your customer loyalty card.  I make a habit of checking the new coupons weekly at the stores I shop at and adding any that I might use to my account.  

Maximize Printable Coupon Savings with Swagbucks

Another way to get coupons is to print them online at websites such coupons.com.  I usually do this through the Swagbucks website because I then get Swagbucks for not only printing the coupons but also for redeeming them.  

Currently, they are offering 1 Swagbuck per each coupon printed and 50 Swagbucks for each coupon that is redeemed.  A Swagbuck is usually equivalent to about one cent so this is pretty decent because you could earn $0.51 for using a coupon in addition to the amount you get off the product from the coupon itself!  

If you don’t belong to Swagbucks, I recommend checking it out.  I have earned over $3000 in gift cards over the past 6 years using Swagbucks.

Check Manufacturer’s Websites Directly for Coupons

You can also often print coupons directly from manufacturer’s websites so if you are looking for a coupon for a specific product, just do a search engine search for it and you are likely to find something if one is available!

#5 - Score Grocery Deals at Big Lot

Big Lot can be a surprising source of grocery bargains if you play your cards right.  If you are looking for new ways to save money on groceries I recommend giving it a try.  First, before shopping there make sure to sign up for  customer rewards program.

They are constantly emailing me coupons.  Often it’s for 15-20% off a purchase.  Sometimes I get a coupon for $5 off a $15 purchase.  This is really an awesome deal. 

So what are some great deals you can get on food at Big Lot?  I often find great deals on cereals, baking supplies (especially vanilla extract!), bread and more.  

By using the coupons they send from their reward program I am able to get really awesome deals on these items.  Big Lot can also be a great place to find bargains on household items like paper towels, toilet paper, cleaning supplies, and laundry detergent especially when you have a 20% off coupon to use!

#6 - Check Out Dollar Tree for $1 Grocery Deals

Dollar Tree is another really good place to get some grocery bargains. One thing I have often found at Dollar Tree over the years is canned calms. At $1 a can, this is a great deal since I usually pay over $2 a can at the grocery store chains. Dollar Tree is also a great place to get spices, snacks such as cookies and chips, bread, and movie candy. We often go there to get boxes of candy for our family movie nights! They have a variety of boxed candy such as Milk Duds, Raisenettes, Hot Tamales, Swedish Fish, Twizzlers, Junior Mints, M&M’s and more. It’s an easy way to stock the home theater snack cart on a budget 🙂

#7 - Eat More Satiating Foods

Another of the really great ways to save on groceries is to eat more satiating foods.  This tip has greatly reduced the amount of snacking we do, therefore reducing our grocery bill. 

I try to include as many satiating foods in our weekly meal plan as possible.  Not only has this cut back on the amount of food we consume, but it has also helped me lose (and keep off!) 15 lbs over the past year.

What are some satiating foods that you could add to your meal plan and grocery list? 

Here’s a short list to consider with some meal ideas:

Eggs – Eggs are affordable and satisfying and there are dozens of ways to enjoy them.  Good in casseroles, scrambled, over easy, boiled, poached, etc.  You can make omelets, quiche, and more.  Egg salad sandwiches are another option.  We do a lot of breakfast burritos, breakfast paninis, and egg sandwiches on croissants, English muffins, or biscuits.  

Oatmeal – This is my breakfast most mornings.  Especially in the cooler months.  A large canister of oatmeal lasts a while and you only need some milk (or water) to make it happen.  I add frozen blueberries to mine for a little sweetness.  Between the oatmeal and the berries, I get enough fiber to keep me satisfied until lunchtime!

Fish and Seafood – Fish and other seafood options such as shrimp are lean and high in protein.  They really help fill us up and keep us satisfied.  We often have marinated shrimp skewers that I cook on the indoor grill.  Shrimp tacos are also another favorite. 

Tilapia is extremely budget friendly and delicious if prepared the right way. Here is a simple and yummy recipe for Parmesan Crusted Tilapia. Paired with some brown rice and a salad or steamed veggies you have a meal that is high in protein and fiber.  A perfect combo for a satiating meal!

Meat – Lean meats that are high in protein are another satiating food to consider.  Think chicken breasts and lean cuts of pork like center cut pork chops.

Beans – We often eat beans at least once and sometimes twice a day.  They are affordable, easy, and full of protein and fiber.  Refried beans are an easy add on to lunch that I have most days.  We often will eat them as a side to our dinners as well, especially on Mexican night!  Bean soups and chilis are another way to get more beans.  They are inexpensive and filling meals. 

A final way to try to eat more beans is in salads.  I love this Mexican Bean Salad recipe. It’s delicious and it makes a lot!  It usually lasts our family of 4 for several days.  It’s good as a main dish or as a side dish to a meal.  I also like to make greek salads for my lunch and add chickpeas to them.  It’s so tasty and keeps me full for hours!

Vegetables – We add a serving or two of vegetables to lunch and dinner.  They are good for getting nutrients and most of them are great sources of fiber so they really are great satiating us!  I prefer fresh and frozen vegetables over canned.  Canned are cheaper but I don’t usually find them as satisfying so we only use them on occasion. 

A good way to get more vegetables is to make a big garden salad at the beginning of the week and keep it in a produce keeper in the fridge.  Then you have an easy veggie side to serve with dinner all week.  I usually do romaine lettuce, cucumbers, bell peppers, and red onions.

Fruit – Just like vegetables, fruit is full of fiber and nutrients.  I also find that it helps satisfy my sweet tooth.  We incorporate into meals throughout the day.  A piece of fruit with some toast or some berries in our oatmeal for breakfast Then another piece of fruit or a serving of berries with lunch.  I usually keep grapes, pineapple, and cantaloupe cleaned cut up in the fridge to throw together quick fruit salads with dinner a few times a week.  Fruit also makes a great snack!

Potatoes – They are cheap and make a great side.  They also fill you up!  We often have baked potatoes as a side to our dinner.  I often make extra because my son will eat them for lunch.  Roasted potatoes also make a great and filling side to meals.

So as you can see, there are a lot of ways to get more satiating foods into your diet and at the same time reduce your grocery spending by reducing the amount of food your family consumes.  Being full leads to less snacking and also more leftovers.  If a meal is filling, they don’t go back for seconds 🙂

#8 - Use Grocery Savings Apps

There are many savings apps allow you to save money on groceries by uploading your receipts after you make certain purchases.  Here are a couple to consider:

Ibotta – This is a good one because they will often have any brand offers that can be used at Aldi.  Typically the offers are for specific name brand grocery items which means you can’t redeem them at Aldi since they mostly carry their own brand of products.  However, in Ibotta right now I have an offer for $0.50 any brand eggs and $0.50 off any brand bread which can be used at Aldi.

Also, with Ibotta upon signing up I was offered a $5 bonus if I redeem my first offer within 14 days of registering and a $15 bonus if I redeem 9 offers within 14 days.

Go through the app and select the offers you are interested in.  Then go shopping and upload your receipt to have your account credited.  You can cash out your account when it reaches $20.

Other Grocery Savings Apps to Consider

  • Checkout 51
  • Fetch Rewards

Aldi Recipes:

  • Meatball Sub Casserole
  • Hoagie Bake

Cheap Aldi Meals Ideas

  • Easy Chili Mac – Feeds 4 in minutes people for less than $4!

More Blog Posts You Might Enjoy:

  • Aldi Thanksgiving Dinner on a Budget
  • 10 Grocery Budget Hacks You Can Implement to Start Saving Today!

What are your favorite ways to cut costs on groceries?

Aldi Review: L’Oven Fresh Garlic Knots

December 7, 2021

Aldi L'Oven Fresh Garlic Knots

We recently tried the Aldi L’Oven Fresh Garlic Knots.   This was our first time trying them and we were pleasantly surprised!This was an item that I somehow overlooked at Aldi before now.

My husband and I were at Disney World in October and he had wanted to try garlic knots they had at one of the quick service restaurants there.  They ended up being out of them the whole week we were there.  So when I noticed these at Aldi upon returning from our trip, I knew we had to give them a try 🙂

Bag of Aldi LOven Fresh Garlic Knots

Aldi L’Oven Fresh Garlic Knots Review: Overall Impression

The Aldi L’Oven Fresh Garlic Knots were easy to prepare. In fact, they were super easy!  All you have to do is poke a few holes in the bag they come in, stick them on a baking tray, and pop them in the oven for 9 minutes.  

They came out soft and smelling heavenly.  The garlic was very noticeable but not overwhelming.  The bread was soft and not too dense.  In fact, that was pretty much the exact words my youngest son used to describe them.  He said they were softer and less dense than the garlic knots we had from Papa John’s a few weeks ago.  My husband and I were also impressed with how soft and delicious they were.

We ended up eating them with cheese ravioli in pasta sauce and a garden salad.  It complimented the meal well.  I could see them going well with a wide variety of meals.

They were a little on the pricier side.  The bag comes with 8 knots for $2.75.  This is a little pricier than some of the other bread/roll options I often purchase at Aldi.  Their Hawaiian Dinner Rolls for example usually sell for about $1.69 for 12 rolls. The Brown N Serve Dinner Rolls they sell around the holidays are usually $0.99 for 12 rolls.  On the flip side, Aldi’s Mama Cozzi’s Cheesy Bread Sticks sells for $4.39 for 9 bread sticks.  So the garlic knots fall in the middle of all that.

We found them to be very tasty so it is something I will buy again but because of the price point, it definitely won’t be on our menu every week.

Aldi Loven Fresh Nutrition Facts

Aldi L’Oven Fresh Garlic Knots Nutritional Information and Ingredients

Here is the nurtitional info, ingredients, and allergen info for the Aldi L’Oven Fresh Garlic Knots.  I find this useful as we have food allergies in our house so I’m sure there are others out there that need this info 🙂

The Aldi L’Oven Fresh Garlic Knots contains wheat and soy and may contain milk and eggs.

There are 8 garlic knots in the bag.  A serving size is one knot which is 120 calories.

Aldi LOven Fresh Garlic Knots

Aldi L’Oven Fresh Garlic Knots Serving Suggestions

These garlic knots are versatile and will go great with a wide variety of meals.  They would also make a great snack.  Here are some meal ideas to serve them with!

  • Ravioli and a Garden Salad
  • Pot Roast with Roasted Potatoes and Carrots
  • Grilled Chicken with Rice and Caesar salad
  • Pizza and a Garden Salad
  • Chicken Stroganoff with Noodles and Green Beans
  • Grilled Salmon with Sweet Potatoes and Broccoli
  • Spaghetti and Meatballs with a Garden Salad
  • Pork Chops with Baked Potatoes and Sautéed Spinach
  • Soups, Stews, or Chilis

 

Other Aldi Product Reviews

  • Mama Cozzi’s Cheesy Bread Sticks
  • Bremer Alfredo Chicken

Aldi Recipes:

  • Meatball Sub Casserole
  • Hoagie Bake

Cheap Aldi Meals Ideas

  • Easy Chili Mac – Feeds 4 in minutes people for less than $4!

More Blog Posts You Might Enjoy:

  • 8 Ways to Save on Groceries You May Not Have Considered
  • Aldi Thanksgiving Dinner on a Budget
  • 10 Grocery Budget Hacks You Can Implement to Start Saving Today!

Aldi Thanksgiving Dinner on a Budget

November 22, 2021

Even with inflation on the rise this year, it is still possible to have an Aldi Thanksgiving Dinner for less than $3 per person.  

This Aldi Thanksgiving Meal Plan is both affordable and easy to make.  If you are looking to keep things simple and budget friendly this Thanksgiving, then you might want to give this a whirl 🙂

There is room for variation in this meal plan that will allow you to cater it to your family’s personal preferences while still staying under $20 for the entire meal.

The plan I laid out will feed 4-6 people.  I would say it’s safe to assume you could feed 6 people with average appetites or 4 with hearty ones. Also, if you like a lot of leftovers, this may not be the Thanksgiving meal plan for you unless you make some adjustments, perhaps doubling the sides or adding some more.

Aldi Thanksgiving Meal for Under $20 - What to Buy

  • 1 24 oz. Turkey Tenderloin $5.59
  • 1 Box Chef’s Cupboard Stuffing Mix $0.69
  • 1 Package Idahoan Mashed Potatoes $0.99
  • 1 Jar Chef’s Cupboard Turkey Gravy $0.97
  • 2 Cans Happy Harvest Cut Green Beans $.0.88
  • 1 Can Sweet Harvest Cranberry Sauce $0.89
  • 1 Package L’oven Fresh Brown and Serve Rolls $0.99
  • 1 Sara Lee Pumpkin Pie 34 oz. $3.99
  • 1 Can Friendly Farms Whipped Dairy Topping $2.89

Grand Total: $17.88

 

Aldi Thanksgiving Dinner - Just $3 per Person with Dessert

Here is what a plate looks like with the included Aldi Thanksgiving menu above.  The meal, which costs just under $3 per serving also includes dessert…..

The meal plan includes a Sara Lee Pumpkin Pie and a can of whipped cream for dessert.  This will actually give you 8 servings of dessert.  If you are gonna have leftovers, dessert is the best type to have, am I right? 😉

If pumpkin pie isn’t your thing, Aldi does have other dessert options that you can choose from and still stay within the budget of this meal plan.  In fact, each aspect of the meal plan can be tweaked a little to meet your needs.  Let’s examine some ways that can be done, shall we?

Customize an Affordable Aldi Thanksgiving Dinner with These Options

More Affordable Aldi Turkey Options

Here is a couple of other affordable turkey options at Aldi:

  • Kirkwood Boneless Turkey Breast 48 oz. $8.99
  • Butterball Turkeys $0.87/lb.

The boneless turkey breast is a great option if you want more meat for your Thanksgiving dinner.  It costs $3.40 more than the turkey tenderloin, but will give you twice as much turkey.  If you want bigger portions or leftovers, this is the most cost effective way to do it.

The Butterball turkeys will cost more.  The average turkey is probably around 16 lbs. so you are looking at around $14 and up if you go that route.  That is $8.00+ more than a turkey tenderloin and $5.00+ more than the boneless turkey breast.

Other Affordable Veggie Options at Aldi

The meal plan has canned green beans.  If that is not your cup of tea, here are some other budget friendly vegetable options you can consider at Aldi:

  • Frozen Brussel Sprouts $.1.15
  • Frozen Sweet Peas $0.75
  • Frozen Green Beans $0.79
  • Frozen Sweet Corn $0.75
  • Frozen Broccoli Florets $0.89

More Potato and Stuffing Side Options

The meal plan has a packet of Idahoian mashed potatoes ($0.99), a jar of gravy ($0.97), and a box of stuffing ($0.69).

Some other budget friendly options you could consider:

  • Happy Harvest Yams $1.65
  • Stuffing Mix, Herb or Cornbread $1.69
  • Chef’s Cupboard Mashed Potato Packets (Buttery, Cheese, or Roasted Garlic) $0.59

The Chef’s Cupboard mashed potato packets are cheaper than the Idahoian brand used in the suggested meal plan so that is another way to cut costs.  At $0.59, you could also get 2 packets for just a little more than one packet of the Idahoian brand.  This is good option if you and your family like a hearty serving of mashed potatoes.

I personally went with the Idahoian ones because I like their loaded ones.  I’ve had the Aldi brand mashed potatoes too and they aren’t bad!

More Budget Friendly Aldi Bread, Rolls, and Biscuit Options for Thanksgiving

The suggested Thanksgiving meal plan above includes L’oven Fresh Brown and Serve Rolls which are $0.99.  Here are some other budget friendly options Aldi had for bread, rolls, etc…

  • Jiffy Corn Muffin Mix $0.47
  • Bake House Creations Jumbo Flaky Biscuits $0.99
  • Bake House Creations Crescent Rolls $0.87
  • L’Oven Fresh Hawaiian Sweet Rolls $1.69

 

 

Other Affordable Aldi Dessert Options for Thanksgiving Dinner

The meal plan above has pumpkin pie and a can of whipped cream for dessert which comes to a total of $6.88.  Here are some cheaper alternative dessert options for your Aldi Thanksgiving meal:

  • Bake Shop Fresh Dutch Apple or Cherry Pie $3.49
  • Brownie Mix (Double Chocolate or Walnut) $1.69
  • Cool Whip $1.25 – a cheaper alternative to the can of whipped cream (which costs $2.89) if you are having pumpkin pie

Lots of Possibilities for a Aldi Thanksgiving Dinner on a Tight Budget

So as you can see, there are a lot of possibilities to have a nice Thanksgiving dinner from Aldi even if you are on a tight budget.  

Not only are these options affordable, but also quick and easy to make which saves you time too.  More time for watching the parade, your favorite football team, or just resting up before heading out for all those awesome Black Friday deals 🙂

Are you doing Thanksgiving on a budget this year?  What does your Thanksgiving menu look like?

Aldi Recipes:

  • Meatball Sub Casserole
  • Hoagie Bake

Cheap Aldi Meals Ideas

  • Easy Chili Mac – Feeds 4 in minutes people for less than $4!

More Blog Posts You Might Enjoy:

  • 8 Ways to Save on Groceries You May Not Have Considered
  • 10 Grocery Budget Hacks You Can Implement to Start Saving Today!
  • Ultimate Aldi Thanksgiving Dinner Planning Guide

Relocating to Another State? 6 Things to Consider Financially Before You Decide to Move Somewhere New!

July 16, 2021

Thinking of relocating to another state?  My husband and I have lived all over the country in our 21 years together and we aren’t done yet.  

Each move to a new state (we are on our fourth!) or city (six and counting!) has taught us something new about relocation and the things that we need to consider when undertaking future moves.  We are hoping that our next move will be our final one but you never know and we get itchy feet really easy! 🙂

With all these different relocations under our belts we have found there are some major things we have learned to look for before deciding if a relocation will make sense for us financially.  

Since all of our relocations thus far have been due to job opportunities, we carefully examined if what is being gained financially by the new job opportunity is going to be washed away by cost of living expenses.  It is amazing how much some of life’s major expenses can vary from state to state and in some cases in different areas of the same state!

6 Things to Consider Financially before Relocating to a New State

Here are the six budgetary items we always take into consideration before deciding if a relocation makes sense to us:

#1 - Grocery Costs

Grocery Costs – Some places in the country are just more expensive for groceries.  This is unfortunately the way it is. 

I have found though that over the last 20+ years I have been able to keep our grocery expenses pretty consistent even as we lived to four different states. 

That’s because something was always cheaper where we lived.  When we were in the Phoenix area, I always got great prices on produce year round because so much of it is grown right there in Arizona and California. 

In Michigan, milk was really cheap as was certain produce like apples, corn, etc at certain times of the year. 

I was thrown for a loop on our most recent move by something I have never had to consider before.  In Missouri, we are being taxed on food purchases.  We have never lived anywhere where groceries were taxed before so I’m having to account for this by tweaking our grocery budget. 

It is adding almost 6% to our grocery budget every month.  In Arizona, one of the counties we lived on the border of had a 2% tax on groceries so I made sure I always made grocery purchases in the county that didn’t have the tax.  These are things you may want to research when choosing to relocate to a new area.

Paying this sales tax is adding about $7 to our grocery expenses every week.  That adds up to over $350 a year which I will have to account for in our budget somewhere!

#2 - Car Insurance Rates

Car insurance policy when relocating to a new state

Car Insurance Rates – It’s pretty common knowledge that car insurance rates can vary greatly from state to state due to different laws, rules, and regulations.  But we’ve also seen significant differences even moving from one location to another within the same metropolitan area.  

When living in the Metro Detroit area we moved from a city that was more rural and on the outskirts of the area to a city that brought us into a more populated area which was also much closer to the city of Detroit.  We were shocked when Progressive (our long time car insurance provider at the time) wanted to more than double our rates!  

Luckily my husband was able to call around and find another provider that offered us close to what we had been paying if we bundled our home insurance with the policy.

My car insurance rates also went down by hundreds of dollars when at 21, I moved from the Metro Detroit area to Las Vegas.  This was so shocking to me at the time because Las Vegas is a 24 hour drinking town but Michigan has laws in place such as No Fault and PIP that make it one of the most expensive state’s in the country to buy car insurance in.

So be sure to consider car insurance rates when moving to a new state.

It can vary by hundreds and sometimes thousands a year depending on your state and city.  I recommend calling your provider and seeing if you can get a quote before you move to give you idea of what it will be should you move.

#3 - Income Taxes

Income taxes when moving to a new state

Income Taxes – Besides paying state and federal income taxes, some counties and cities also like to take a cut of your paycheck too.  

This one was a new one to us when we recently moved to the Kansas City area.  We were surprised to find out when my husband got his first paycheck that the city had claimed what amounted to almost 1% of it for themselves.  

Fortunately we are in a short term apartment lease while we look for a home.  This did lead us to chose a home in a suburb which doesn’t have this tax.  It will save us hundreds and hundreds of dollars a year.

Certain states don’t have state income taxes which is nice.  We didn’t pay any when we lived in Nevada.  As of the writing of this article, it looks like there are currently 9 states that don’t have state income tax.  They are:

  • Alaska
  • Florida
  • Nevada
  • New Hampshire
  • South Dakota
  • Tennessee
  • Texas
  • Washington
  • Wyoming

#4 - Housing Costs

Cost of a home – The cost of a home can vary greatly from one area to another.  It has also been a major deciding factor for us many times when we have chosen to relocate.  

We left Las Vegas in 2005 right after housing prices went through the roof and it became almost impossible for us to afford a mortgage there.  At the time, our oldest was 2 years old and I was looking to become a stay at home mom.  There was no way that we were going to pull that off on one income at the time if we had to purchase a house for between $250,000 and $300,000.  

So my husband sought out career opportunities in the Phoenix area which hadn’t yet experienced the same real estate boom.  We were able to buy a starter home for $130,000 before the market went completely nuts there (for the first time…I see they are currently experiencing another real estate boom!).

In our most recent relocation, we knew that our mortgage was going to cost us more.  We had bought our latest house in Michigan while the market was still low and the Kansas City area where my husband’s job was relocating us to is booming but we weighed our options and decided the increase in salary he was going to receive justified the $400 or so more a month we would have to pay for housing in our new location.

#5 - Property Taxes

Property taxes when relocating to a new state

Property Taxes – Some cities can have higher property taxes than others.  Take this into consideration when considering whether your relocation makes sense for you financially.  

In our most recent move, we found that property taxes in the city of Liberty where we ultimately ended up purchasing a home were $600 to $1000 cheaper a year than they were on a comparably priced and sized home in the city of Kansas City were we were renting an apartment.  This lead us to focus our home search more heavily in Liberty.  

We have had relocations we considered in the past that we ended up changing our minds about when we did some online house hunting and saw how expensive the property taxes were in that area.  

For instance, years ago we considered leaving Phoenix and relocating to Austin, Texas but after some research into whether it was a plausible option for us we decided it wasn’t after discovering property taxes cost $5000 or more a year.  

Since at the time we were paying just over $700 a year in property taxes on our home in the Phoenix area, that was complete sticker shock!

#6 - Home Owner's Insurance

Home owner's insurance policy when relocating to a new state

Home Owner’s Insurance – This is another expense that can vary greatly based on your location.  If you are moving to an area with a higher rate of tornadoes, hurricanes, or other natural disasters, you can expect to pay higher insurance rates.

This happened to us on our most recent move.  Moving from Michigan to Kansas City, Missouri which is very close to tornado alley caused our home owner’s insurance to go up 33% on a very similar sized home.  

This was even after my husband called several insurance providers and had them tweak the policy as much as possible to get us a rate we were comfortable with.  

So be aware that this is yet another expense that could change by a great deal when you relocate to another state.

These are the major expenses you will want to consider when deciding to relocate to new state.  Don’t forget to also consider moving expenses!  Those can also add up quickly.  We’ve always saved on this by doing it by ourselves.

Looking at all these factors can help you get a good idea of whether a relocation to a new state is going to be worth it or not for you financially!

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Hi, I’m Rebecca—a blogger and budget-savvy wife and mom who loves helping women live intentionally without overspending.
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Blog Mission Statement

Helping women create the life of their dreams—on purpose, on budget, and one simple step at a time.

Through intentional habits, budget-savvy choices, and doable daily systems, I’ll help you take control of your time, money, and mindset. Let’s make real change feel totally possible.

Recent Posts

  • The Spending Audit: How to Find & Cut Wasteful Expenses
  • How to Live a Values-Based Life: 5 Steps to Realign Your Time, Money, and Mindset
  • What Is a Meal Planning Framework (And Why You Need One)
  • From Dreaming to Doing: Your Roadmap to Stress-Free Travel Planning
  • Why You Need a Sunday Reset Routine (& What Happens Without One)
  • The Difference Between Cheap and Frugal (And Why It Matters)

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