JUNE Food Stamp Challenge....Grocery Shopping on Saturday

 The post is part of the June Food Stamp Challenge located HERE.


Being a couponer, I don't shop like most people on the planet.  Being on this Food Stamp Challenge has cramped how & where I shop a bit but it hasn't been something I can't handle.  Of course, if some of the stores that have been off limits to me this month since they don't accept EBT where off limits in the long term, I might be singing a different tune!  I suspect, I'd adapt my shopping habits if I was forced to avoid these stores indefinitely but it just might push me to seek out other low price alternatives.  And in all probability, I'd be forced to spend MORE on my groceries than I do now.

That being said, this challenge did push me to seek out and try a new shopping venue on Saturday.  A local produce market opened up near my town about a year ago and seeking lower priced produce from a EBT friendly source got me in the door.
And I am so glad I went!

Here is what I picked up.....

1 x Cantaloupe $1.49
1 x Romaine Lettuce $.99
1 x Tomato  $.44 ($.69lb)
1 x Blueberries(pint) $1.49
3 x Lemons  $.99
1 x Cucumber  $.33
4 x Squash  $2.26 ($.69lb)
2 x Red Peppers  $.76 ($.99lb)
1 x Liverwurst  $2.93($2.99 lb)*Yes, they had a deli dept. too.
Total...$11.68

These prices are well below what the chain and regional grocery stores in the area charge for produce!
While none of the items were locally sourced(it's too early here for harvesting locally)I have hopes that come picking time some of the items will have been grown in this area. 

Then we hit the local independent grocery store in town....

6 x chopped Clams BOGO sale($1.69, so $.84 ea.)=$5.04
1 x Real Goodness lactose-free Milk on sale=$2.00
2 x Krunchers Potato Chips on sale $2.50=$5.00
1 x Taster's Choice instant Coffee=$1.00
1 x Marcal recycled Facial Tissue on sale=$1.11
1 x Whack Biscuits(store brand)=$1.69
1 x Cream Cheese(store brand) on sale=$.99
1 x 1lb. Carrots on sale=$.99
SubTotal...$17.82

Coupons Used
1 x $1/1 Real Goodness Milk ManuQ=$1.00
2 x $1/1 Krunchers Chips ManuQ=$2.00
1 x FREE ITEM Catalina Q Taster's Choice=$1.00
1 x FREE ITEM ManuQ Marcal Item(up to $1)=$1.00
Coupon Total....$5.00

$17.82-$5.00=$12.82 + $.07 tax=$12.89

Then I went to Weis Supermarket for 1 item....

2 x OM Lunchmeat on sale BOGO($4.99)=$4.99

I used a FREE ITEM(up to $3)Coupon from Kraft...
$4.99-$3.00=$1.99 total for 2 packages of turkey breast.

Why I bought what I bought.....

I plan on making Club Sandwiches for dinner one night(the lunchmeat, tomato), Clam Chowder another night(clams, milk and enough clams for another batch later this summer), some meat grilled out with veggie skewers(squashes, pepper), the romaine, cuke and carrots for salads, and the fruit, cream cheese & whack biscuits are for breakfasts this week.  The liverwurst is for Hubs lunches at work & he can take chips in a reusable container.  The lemons are for my home brewed iced tea of course! ;-)

Saturday's spending.....$26.56

June Food Stamp Challenge Update
Spent to Date....$209.26
June Food Budget Left....$164.44
Days of Challenge Left....05

Sluggy

JUNE Food Stamp Challenge....Using Coupons with EBT/Snap

This post is part of the June Food Stamp Challenge located over HERE.

One way to make your EBT/SNAP/Food Stamps stretch further is to utilize store and/or manufacturers coupons.  Every dollar you use in coupons is one more dollar that isn't used of your food stamps allotment.
Pretty basic concept,huh?
But I've read where many people who receive governmental food benefits don't realize they can combine their food stamps with coupons.
I am sure as well that there are people who use food stamps who just don't care or want to take the time to clip coupons just like in the non-food stamp using population.
But we need to get the word out to people who just don't know that you CAN use coupons with your food stamp benefits.


If you live in a state that taxes food purchases, if you pay with food stamps, you are not taxed.  For example, if your state taxes food and you buy $50 of groceries and pay with cash or with a debit/credit card, you would be charged $50 + whatever the sales tax rate for your state is on that $50 purchase.
If you buy the same $50 in groceries and pay with EBT/Snap benefits, you would not be charged tax on the purchase.

However, if you use manufacturer's coupons along with your EBT/Snap benefits to pay for your groceries, you will owe CASH on the face value of the coupons at whatever the sales tax rate is for your state.
Store issued coupons on the other hand are NOT taxable.
Both types of coupons are solely an adjustment of the sales price of items and outside of the food stamp sales tax exemption.


Here's an example using my state of PA(sales tax rate of 6%)....
You buy $11 worth of eligible food.
You pay for your $11 of groceries with your EBT/Snap.
You are out of pocket no actual cash and $11 in EBT/Snap benefits for the month.
But--
You buy $11 worth of eligible food, using $1 worth of manufacturer’s discount coupons, and $10 in
food stamps.
Since the sales tax is imposed on the dollar amount of the coupon, the recipient
would pay $10.06 and would therefore have to supplement the $10 in food stamps with 6¢ in cash.
If the $1 coupon is a store issued coupon/discount it's not taxed, and the recipient pays $10.

While the coupons save you some EBT/Snap credit, you do have to pay out actual cash.
If you are in a situation where you can not afford using any of your cash to cover the tax on the coupons, you may not want to use manufacturers coupons.

Personally, I don't quite understand the reasoning of how this works.   You would think the government would encourage people to combine coupon use with EBT/Snap benefits so they could stretch their food credits further or be able to buy a higher quality/price of food.

Dinging someone with such low cash resources who wants to utilize coupons makes little sense to me.  You would think the government would do everything in it's power to encourage thrift among it's recipients!
Perhaps we need to get the rules changed and make manufacturer's coupons exempt from sales tax when used on food stamp eligible purchases.

Sluggy