Handy Tips to Save Money on Groceries

Apart from rent, groceries are likely the most regular expense on your budget. So, if you can save money on groceries – even just a little bit every time you visit the supermarket – those savings could really add up.

Having a few dollars leftover after each trip to the grocery store could go a long way to paying off debts, saving up for big purchases, or just treating yourself to nice things more often. Try these tips for saving money on groceries to discover the difference they can make.

Leave the Kids at Home

Crying Kid in Supermarket - Cigno Loans

Grocery stores aren’t designed at random. Snacks, toys and other items that appeal to children are deliberately placed at their eye level and near the front of the store, making it easier for little hands to sneak extra items into your trolley.

Going alone will let you stay focused on buying only the items you need – as well as making for a less stressful shopping experience. This way you can save on groceries without the distraction of complaining kids (or the temptation to say ‘yes’ just to keep them quiet).

Consider Loyalty Programs

Sure, a rewards card will give the supermarket access to all your shopping data. But is that really sensitive information? Investigate what kind of savings a loyalty membership could get you, and consider if it’s worth picking up a card.

For example, with Woolworths Rewards, you’ll save $10 for every $2,000 spent.

Shop Around

Shopping Around with Grocery Store App - Cigno Loans

Making separate trips to Coles, Woolworths and Aldi might be a little annoying. But if you’re getting the best price available on every item on your shopping list (and taking advantage of every sale), it’s worth the extra effort.

Get familiar with the costs of your frequent buys at each store so you know for sure you’re getting everything as cheaply as possible.

Use the stores’ websites and apps to price check your groceries on the go and keep on top of any sales and specials.

Base Your Meal Plans Around Sales and Seasonal Produce

Adapting your food schedule to suit what’s on special and in season is a great way of saving money at the supermarket – plus, you’ll naturally introduce a fun and healthy variety into your diet.

Buy More

Bulk Buying Groceries - Cigno Loans

This may seem counterintuitive, but one of the best ways to save money on groceries is to buy more of them during each trip.

This helps your budget in 3 ways:

  1. It reduces the number of return trips you need to make to replenish your fridge and pantry. This is especially handy if you have a habit of buying extra treats each time you shop.
  2. It ensures you have enough food to make packed lunches during the week and cook your own meals at night (less dining out = more money in your back pocket).
  3. Bulk-buying long-life items on sale can save you money in the long run.

Want to take advantage of an amazing sale by bulk-buying but don’t have the cash upfront right now? Consider getting a quick loan so you don’t miss out on the sale.

Only Enter the Supermarket with a Full Belly

Grocery shopping on an empty stomach is a recipe for disaster. Make sure you’ve eaten recently before heading down to the supermarket, so those unnecessary snacks won’t be quite so tempting. Maybe avoid the pastries section altogether if you can!

While you’re trying these tips to save money on groceries, consider other ways you can reduce your household bills too – this helpful article is a great place to start.

Disclaimer: Please be aware that Cigno Loans’ articles do not replace advice from an accountant or financial advisor. All information provided is intended to be used as a guide only, as it does not take into account your personal financial situation or needs. If you require assistance, it is recommended that you consult a licensed financial or tax advisor.


Ordered by the Federal Court of Australia

The Federal Court of Australia has found that Cigno Australia Pty Ltd (Cigno Australia) and BSF Solutions Pty Ltd (BSF Solutions) have breached the law by engaging in unlicensed credit activity and charging prohibited fees.

In the period from July 2022 to 3 October 2023, over 100,000 consumers have been lent a total of $34 million, and charged fees of over $70 million, under the ‘No Upfront Charge Loan Model’ operated by BSF Solutions and Cigno Australia. At no time has either BSF Solutions or Cigno Australia held an Australian Credit Licence.

The Court also found that Mark Swanepoel (director of Cigno Australia) and Brenton James Harrison (director of BSF Solutions) were involved in these breaches of the law.

With effect from 24 May 2024, the Court has granted permanent injunctions preventing Cigno Australia and BSF Solutions from:

  • demanding, receiving or accepting fees or charges, including amounts of loan principal, from consumers in relation to credit provided under the ‘No Upfront Charge Model’; and
  • engaging in further credit activity pursuant to the ‘No Upfront Charge Loan Model’, including by entering into new agreements with consumers, for so long as they do not hold an Australian Credit Licence.

Cigno Australia was ordered by the Court to, by 5th July 2024, send written communications to consumers who between July 2022 and December 2022 entered into agreements with Cigno Australia and BSF Solutions under the ‘No Upfront Charge Loan Model’.

The Court will later determine whether (among other things) Cigno Australia and Mark Swanepoel ought to pay a pecuniary penalty in respect of this conduct, and whether Mark Swanepoel should be restrained from carrying on a business engaging in credit activity.

Cigno Australia, BSF Solutions, Mr Swanepoel and Mr Harrison intend to appeal the decision of the Court and have filed an application for leave to appeal. If the appeal is successful, some or all of the orders of the Federal Court of Australia may be set aside.

Where can you get more information?

Where to go for further support

You can access legal advice in your state at: Free legal advice – Moneysmart.gov.au.

If you are experiencing trouble with debt, or money worries in general, contact:

  • the National Debt Helpline on 1800 007 007 or online chat (9:30am to 4.30pm, Monday to Friday).

If you need someone to talk to, contact:

  • Lifeline on 13 11 14 (24 hours) or their crisis support online chat or
  • Beyond Blue on 1300 22 46 36 (24 hours) or their webchat