We all gotta eat, so that means we must shop for groceries. Unless, of course, you've been fortunate enough to acquire the means to hire a personal chef or all your meals consist of take-out Chinese, pre-packaged convenience store "food," and trips through the local fast food drive-thru.

While some people love the process of strolling the aisles, gathering up the weeks' edibles, others dread the trip and wish the food would magically appear in their pantries and fridge. Perhaps it's the crowds of shoppers fighting for that last ripe avocado, the bright lights and slippery floors, or maybe it's the amount of dough they're spending on their dough (and other stuff) each time they hit up the local grocer.

Of the gripes one may have, the one they can control is how much money is spent each time it's time to go grocery shopping. Here are 5 money-saving tips anyone can use and still come home with bags full of fresh (or packaged) foods and beverages. Is your mouth watering yet?

Stick to Your List

Before heading out to the market, take inventory of what you're out of and what you plan to cook or eat during the week. After you've perused and planned, write out a simple list, organized by category (dairy, snacks, produce, etc.) or placement in the grocery store. This is your list and that's that. If you see something tempting at the store, if it's not on your list, you're not buying it. Simple as that. Allow your self-control to hold more weight than a seasonal display of pumpkin spice truffles.

As per PopSugar, "If you follow the list, you won't be buying more than you need or buying unnecessary items. There are even free printable grocery lists online that let you check off which groceries you need. A good one to check out is the very detailed Ultimatest grocery list."

Shop Mid-Week (and preferably, just once a week)

Annette Economides, the co-author of Cut Your Grocery Bill in Half with America's Cheapest Family tells Time Money, "The less you shop, the more you save." Sounds obvious, but when each trip is a new experience, it may not register how much you're spending overall for the week when it's spaced out. A $20 trip to the market may seem reasonable, but times that by 3 or 4 and the spend adds up quickly.

Additionally, certain days of the week may yield more savings. Andrea Woroch, consumer and money-saving expert tells Bankrate, "Wednesdays are a great time to get your hands on those manager markdowns. Food that is nearing its 'sell by' date is typically reduced midweek. Grocery stores also release new circulars on Wednesdays, so you get a double bonus since stores usually honor last week's deals, too." Looks like "hump day" is the best day to fill up your "paper or plastic!"

Consider Coupons

Clipping coupons and perusing weekly circulars won't take long but the money you save will go a long way. Compare and contrast brands and see if your favorite brand is really worth the money.

Store specials pop up every week and they are worth considering. If you normally buy a name brand pasta but the store brand is half-off, your family will never know the difference when they are asking for seconds of your famous penne primavera.

And couponing isn't what it used to be. Like nearly everything else, you can access coupons online. As per PopSugar, "Be sure to check out online coupon sites like Coupons.com, RedPlum.com, SmartSource.com, and CouponNetwork.com, which are apparently the best sites to print from. Further, 'like' your favorite brands on Facebook to get access to some of the coupons they give out over the social media network."

Huffington Post reminds us that savings from coupons can be stretched even further. "Double your savings by combining coupons with what's on sale at your local store. The store's circular is the best way to know what's being promoted." Plus, some stores offer a "double coupon day" where the savings can be multiplied, so try to shop on that day for even more money left in your pocket!

Snack Before You Shop

Going to the supermarket on an empty stomach is a recipe for disaster – both financially and for your waistline. Instead of sticking to your shopping list and buying the best foods for you and your family, you'll be tempted into anything and everything that looks delicious – many times high-priced and not-so-good-for-you items.

Time Money notes, "A study in the Journal of Consumer Research found that consumers are likely to spend more if their appetites have been stimulated beforehand. That's probably why baked goods and rotisserie chickens are placed by the entrance of the store. Combat those tempting odors by eating a mint—which satiates hunger and can help overwhelm other scents—or by making sure your belly is full."

You don't have to have a 3-course meal if that's not convenient or it's not the right time. Simply grab a piece of fruit or a protein bar. It will give you enough power to combat all those temptations. And don't bring along someone who's "hangry" either… they'll sabotage your willpower!

Try a Meal Delivery Service Instead

If all this grocery shopping how-to info's got ya down, a meal delivery service may be just what you need. Starting at just $8.74 per serving, Blue Apron will deliver farm-fresh, seasonal produce, no-hormone added meats and poultry, sustainably-sourced seafood, and all the other recipe needs you'll require in order to make healthy and quick meals for your family. Get started with a plan that's perfect for you.

Time to save and crave! Get shopping!

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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