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​Budgeting for a Monthly Grocery Shop - June 2016

​I liked the idea of monthly shopping, but my block to starting was not having the money to start. So I had a think about how was the best way to get this started. I have a free redraw on my mortgage, each week I have set up my weekly food budget to go into my mortgage. Then at the start of the month the money is available to transfer into my account to withdraw. I only use cash for groceries, when the money is spent that is it. If I need a more frugal month, living from pantry and freezer, I don't move the money. So I have the grocery money when I need it and I am saving interest on my mortgage as well. Best thought bubble I had to get me going.
Contributed by Michelle Ferey