I do a lot of grocery shopping because it is difficult to get paleo food at hawker centres in Singapore. I like to buy meat at the rotisserie as well as other snack staples such as avocados, cheese and nuts.
These food are not cheap. It’s not the same as buying a $3 plate of rice at the hawker centre. Adding to that problem is the issue of location – the nearest supermarket to my workplace is Cold Storage, which is more expensive than NTUC Fairprice and Giant.
In order to save some money while shopping for my costly groceries (I am addicted to cheese), I have utilised the strategy of getting instant cash rebates. This is achieved via two cards: the Citibank Dividend card and the PAssion card. The former is just another credit card from Citibank and the latter is a membership card for People’s Association (PA). It can also be used as an EZ-link card for public transport.
This is what I bought today (the brie was excellent, by the way):
If you notice, my initial bill was $20.81. Following the use of the Citibank card and the PAssion card, I paid $19.83, which amounted to a $0.98 discount. It’s not a lot but these cents add up when you buy a lot of (expensive) groceries.
The Citibank card works by giving me a 2% cash rebate. The PAssion card gives me one point for every dollar spent, and 150 points equates to a $1 cash rebate. However, you can still redeem your points even if you have less than 150 points, which was what I did in this case.
If I wanted to save even more money, I should apply for the HSBC Visa Platinum credit card, which gives a 5% rebate at Cold Storage and Giant. The only thing stopping me from switching is the lack of petrol rebates at Esso, where I usually pump petro for the car; the Citibank Dividend card gives a 5% cash rebate.
Do you have any money saving tips to help reduce grocery bills? I would love to hear your thoughts!
P.S. I have the crazy idea of making my own cheese. Will that be cheaper than buying it?
P.P.S. I know it’s quite easy to make your own yoghurt. My friend tried it and she said the taste was good, although it’s more work if you want very thick Fage-like consistency.