Question

Grocery question: I use WalMart grocery pickup weekly for our groceries. You cannot pay with cash and do grocery pickup. So does anyone else use grocery pickup and just not do a cash envelope for groceries?!? I feel like I spend less doing the pickup because I don’t go in the store and see things I want but don’t need.  

Answer 1

‍♀️ I leave that amount in my account. I do groceries and gas this way

Comments

I do this as well ( for groceries) it works so well for me and I spend far less that what I do when I go into the store.  

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@braynard right! Me too!  

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@krueger. Some weeks I have to just throw something in there just to make the minimum for pick up!  

Answer 2

I use electronic envelopes for gas and target (because I do pick up there). You could try that! I made a form to keep in my binder to track it just like a regular envelope for me. Happy to share if you want.  

Answer 3

We also do walmart pickup. We just leave that amount in our account and make sure to track it so we dont go over budget

Answer 4

I use my checking account to cover my Walmart grocery pickup and then budget about $60 for miscellaneous groceries throughout the week for milk, bread, etc.  

Answer 5

Pay cash for Walmart gift cards maybe?  

Comments

@strachan that's insane! So weird.  

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@helterskelter I wish you could!  

Answer 6

I leave grocery money in my bank account & use Walmart pickup. I just make sure I track my spending accordingly.  

Answer 7

I leave grocery money and gas money in the account.  

Answer 8

‍♀️ I just leave the grocery budget on my debit card and then track.  

Answer 9

I do the same version of this through Kroger. I just use my debit card and account for it in my books. I DEFINITELY spend way less, I am able to look at my cupboards while assembling my list, and my time is worth the fee to me.  

Answer 10

I have a checking account with 1 debit card labeled gas/groceries. The only $ in that account is what’s budgeted for this exactly

Comments

@chemisorb530 that’s a great idea!  

Answer 11

We have a credit card for things like this and gas. When we charge on it the money is moved from the appropriate envelope into the credit card envelope. Then later that week I deposit the money and pay the card off.  

Answer 12

My grocery “envelope” is actually it’s own separate checking account for exactly this reason. I spend WAY LESS when I am not in the store. I work on my shopping list all week and tweak things and rearrange meal plans to fit my budget this way.  

Answer 13

I do, I just budget it and keep it in the checking.  

Answer 14

I pull money out of my envelope and put it back in my checking account after I pick up my groceries.  

Answer 15

Watch today’s Instagram story’s, Miko talks through how she handles it  

Answer 16

I leave that money in my checking account. I put the grocery pickup on my credit card to earn cash back rewards, and then pay it off. I created a tracker to track how much I've spent and how much is left in my "envelope".  

Answer 17

Just a thought but if you really are consistent with Wal-Mart how about a re loadable WM card. Then you can use that as your "envelope".  

Answer 18

Use checking account and then replenish with cash. Just make sure you track it.  

Answer 19

Groceries and gas stay in my checking account. Everything else is placed in a different area.  

Answer 20

I do pickup with target, Kroger and Walmart. All the same morning. I take cash out for Aldi if I go. They’re all next to each other, so it’s easy.  

Answer 21

I buy a gift card for my groceries and just use that for check out process

Answer 22

I’m going to get a prepaid Visa card from my bank and put 2 or 3 hundred dollars on it. That way I can shop online and pull money from the appropriate envelope and deposit it and reload the card.  

Answer 23

I get cash out but then immediately deposit it if I swiped my card for that category

Answer 24

We have a transfer envelope. I’ll budget and order groceries online (only like once a month though, usually I go to aldi) then my hubby swings by the back and deposit the cash otw to work

Answer 25

I keep it on my account and track I feel like I live at my bank these days lol

Answer 26

‍♀️ I put it in my Bill section

Answer 27

I would have a grocery budget for pickup and a separate small budget for cash based on how you typically spend.  

Answer 28

This doesn’t help with payment method, but if you use the Shopkick app for your Walmart grocery pickup you get 2, 000 kicks. You can cash out for a $25 gift card at 6, 250 kicks so this is like getting $8 cash back on every order.  

Answer 29

I use cashless envelopes where I have an index card with my monthly budget for each category, write down what I spend, and keep track that way. I use Walmart Pickup and do not have cash that I can take out readily.  

Answer 30

We do a separate sub-checking account and money comes directly out of that instead of using cash

Answer 31

I still use a grocery cash envelope, but I pay with a credit card and transfer the money to an online spending envelope. At the end of the month I pay off the credit card with the cash in the online spending envelope.  

Answer 32

We do cash but keep our grocery money in checking. :)

Answer 33

Purchase a gift card or a prepaid card.  

Comments

@percale4999 I don’t think Walmart grocery lets you use prepaid cards but you can use a gift card.  

Answer 34

I use Walmart grocery pickup every week too. My grocery budget is $400 per month. I just leave that amount in my checking account

Answer 35

Me! Or i will pull out money and then transfer back to the bank.  

Answer 36

I am trying something different this month. I took out my grocery cash and put it in the envelope. I use my paid off credit card for groceries because it gets me 2% cash back. Today I went to Costco, paid with the card, then I took the cash out and put it into the Pay Credit Card envelope. My plan is to only charge what I have cash for and then take the cash and deposit it to pay the card 2 days before the bill is due. I think I can handle this responsibility but we will see on Feb 24.  

Comments

@radiometer this is what I do

Answer 37

I try to use cash for everything, but I often don't have my envelopes with me when I need them. So I use my AmEx card, and I have an envelope section that says "back to AmEx". I take the cash for what I spent out of its category and put it in there. Then I use that cash at the end of the month to pay off my AmEx in full. But this way I only have to go to the bank once

Answer 38

Groceries is the one account that I leave in the bank. I have a completely separate account just for food that has a different ATM card for. It works for me because I only shop at the Walmart Pick up.  

Answer 39

Miko does this. She has an online envelope for that.  

Answer 40

We do pick up. Then subtract that amount from out budgeted amount. Take what’s left in cash.