How a Stockpile Can Triple Your Grocery Budget Surplus

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Photo courtesy of Irish Typepad

People either think that I’m insane or a genius when they get a glimpse at my stockpile. The ones that ponder the former have no concept of profitable stockpiling is while the latter are privy to one of the biggest financial secrets ever.

When I first began building a stockpile it was because of a post just like this one. Someone, somewhere in bloggy land, explained the concept of buying in advance the things you’d need in the future.

The goal of stockpiling is to buy in advance large quantities of items your family will need when at it’s lowest prices. For example, in June of 2009 I bought 16 bottles of Hunts Tomato Ketchup for .17¢ a bottle. The man in line behind me sarcastically commented “That sure is a lot of ketchup”, to which I replied ‘It sure is’, with an angelic smile. What he didn’t know was that I was on my way to tripling my grocery budget surplus.

After this purchase I went home and figured out how many bottles of ketchup it would take to last me from June 2009 until June 2010. This would be when the best ketchup coupons would begin circulating again and ketchup would hit rock-bottom prices.

Once I figured out how many bottles my family would consume per month I multiplied that by twelve which gave me my stock up number. I headed back to the store and bought 28 more bottles of ketchup. I haven’t bought ketchup since nor had any went to waste. We have even donated some to my church and we still have a surplus. We are in good shape as we near the warmer months when ketchup deals will begin springing up again.

So how much did I spend in total:

  • 44 bottles of ketchup @ $1.29 (Regular Price)
  • 44 bottles at regular price = $56.76
  • Total I paid = $7.48 for 44 bottles (What I Paid)
  • Total saved = $49.28 (What I Saved!)

Now imaging applying that method to other nonperishable items. If you began saving $49.28 a year on just (5) items, you’d create a $246.00 annual surplus in your grocery budget. Now apply the same principle to the items below.

Paid .25¢ box of cereal = $10.25 for 41 boxes

Saved $3.75 a box x 41 boxes = $153.75 in savings

Paid .33¢ per can of veggies or $23.76 for 72 cans

Saved .59¢ a can x 72 cans = saved $42.48 in all by buying when on sale and using coupons


Paid $7.89 for 1 Tide laundry detergent, 80 rolls of tissue, 5 dish detergent and  120 cans of soda

Saved close to $200

See how the savings can begin to add up. If you leave those savings in your  budget each month. By the end of the year, you’ll have a nice surplus.


Think about how many months worth of supplies to you want to store. This will depend on your purpose for building a stockpile. We maintain a stock pile because:

  1. It saves us money
  2. We are prepared in case we were to ever lose our income for any period of time
  3. We want to be able to give to any family, friends, neighbors if the need arise
  4. We want to be able to donate to our church pantry with overly burdening ourselves

Our stockpile goal is 12 months plus a little extra for charity. Once you know how many months worth of surplus you’d like to accumulate, next make a list of items you want to be in your stockpile.

Now allocate a set amount each month to purchasing stockpile items. This amount cane be as little as $5 a month. With coupon-ing and sale shopping you can add a whole lot to your stockpile with a small amount of cash.

Educate yourself on when and item is a good deal. When you see a good deal, meaning the item is selling at it’s lowest price, It’s time to stock up.

Each week you’ll stock up on a different item. At first you’ll have a lot of one particular item but with time and patience your stockpile will balance out.

Note: Read my post titled Managing Your Stockpile for tips on making sure that nothing goes to waste.


As your stockpile begins to mature you’ll no longer need to buy the staple items in your pantry. Let’s say for example that you stockpiled for 12 months straight, making sure to rack up on one or two specific items a week. Now after those twelve months you would have most likely accumulated enough basic items to maintain you for the next 10 to 12 months.

Let’s say that the items you’ve accumulated use to cost you $100 or so to purchase month to month, but now that you have your stockpile, you won’t need to purchase them for awhile. The $100 you are now saving will become BUDGET SURPLUS. The $100 a month normally dedicated to shampoo, cereal, rice, etc., has now become your pay off.

But stockpiling doesn’t stop there. In order for this process to continue from year to year you’ll need to make stockpiling a monthly or bi-monthly habit. You’ll need to continue to stockpile sale items that your family uses as they begin to run low.


This decision for my family was the beginning of an ingenious plan that has contributed to us paying of all of our consumer debt. It has not only gotten us closer to being completely debt free but has also given us the ability to GIVE like God wants us to. There have been numerous spiritually benefits, three of which I’ll list below.

God has blessed us with even more compassion for those in need:

1 John 3:17-18 (King James Version)

But whoso hath this world’s good, and seeth his brother have need, and shutteth up his bowels of compassion from him, how dwelleth the love of God in him? My little children, let us not love in word, neither in tongue; but in deed and in truth.

He has blessed us with not only a heart to give but the resources to do it:

Luke 3:11 (King James Version)

He answereth and saith unto them, He that hath two coats, let him impart to him that hath none; and he that hath meat, let him do likewise.

And he has made sure that we all of our needs were met as a result of our trusting his plan:

Proverbs 28:27 (King James Version)

He that giveth unto the poor shall not lack: but he that hideth his eyes shall have many a curse.

Stockpiling will take planning and organization which is a characteristic of the wife described in Proverbs 31:7 “She looketh well to the ways of her household, and eateth not the bread of idleness.”

It will also take wisdom to know when to stock up and when to pass up a deal as mentioned in Proverbs 31:16 “She considereth a field, and buyeth it: with the fruit of her hands she planteth a vineyard.”

And finally, it will take time. You will need to know where the deals are and make a plan to go and get them as stated in Proverbs 31:14 “She is like the merchants’ ships; she bringeth her food from afar.”

I hope that you are encouraged to take your faith and finances to a whole new level this year.

Be Blessed!!


  1. says

    Great tips. We stockpile, but since we eat very few non-perishables, it means we have two big freezers. We have a huge pantry that is almost empty! We buy oats, rice, and beans in bulk, but besides that we have a few bottles of olive oil, some almond butter, ketchup, and that’s just about it! It does make a huge difference to buy whole chickens on sale for 88 cents a lb – and its so nice to have them and lots of homemade broth on hand!


  2. Amy L. Norman says

    Yay! I found the stockpile photo for your 12/08/11 FB Amazon gift card sweepstakes. Thank you for posting Biblical principles in your blog!


  3. Lori Stilger says

    Aha! I found it!! 😀 Thanks so much for your generosity, and your giving spirit. God blesses me through your help and your blog. 🙂


  4. says

    Thank you for the chance to win the Amazon GC. Christmas is pretty slim this year and it would be great to pick up a few extra things before the big day is here! God bless & Merry Christmas!


  5. says

    Found it!! Contest for December 8th, I also found TONS of others to go and read! I tried couponing before but failed miserably however this time things are different and I HAVE to and I have to say…I am now OBSESSED!! I am learning, reading anything and everything I can … WOW thank you!!


  6. Tia Buck says

    I’ve been wanting to do a stockpile for a while now, but unfortunately I have NO space for one! Kudos to you for your impressive skills!


  7. Melisse says

    Thank you so much for your reply regarding biblical references. I’m just beginning to be a better steward and your explanation has opened my eyes in many ways. From where and how to begin or start ‘stockpiling’ to having the means (supplies/food) to donate where and when the need arises. Thanks again.


    The Proverbs Wife Reply:

    You are welcome. I find stockpiling to be a valuable resources for saving money and being charitable to others. Without it there is no way that I could give away as much as I do if I didn’t stock up when things were on sale.


  8. says

    I am slowly trying to get into this. Things have been kinda tight, so I didn’t have anything to stockpile with, but I see it coming in the near future!
    Erica´s last blog post ..Do Something!


    The Proverbs Wife Reply:


    That’s good Erica. I started off scrimping together $10 a week from surveys, reward companies and saved coins.


  9. connie says

    How many beauty products such as face cream be bought at a time .dont they expire and which one
    has the best value but still guality for aging
    skin.Olay is going sky high


    The Proverbs Wife Reply:

    Hey Connie,

    My apologies for the delay in responding to your comment. I will answer your comment in an upcoming post. Stay tuned and be sure to subscribe to FREE updates so that you’ll be notified when I answer your question.


  10. says

    I’m not sure how I missed this post, but it’s a great one! We are actually starting to run low on some items and I need to keep my stockpile back up! Thanks for the tips!
    .-= Jamie @ I Am A Money Magnet´s last blog ..Thrifty Tip Tuesday: Spring Fever! =-.


    The Proverbs Wife Reply:

    I really enjoyed your post today because I have in fact cut back on shopping over the last 2-3 months. It feels weird to watch you guys get all those great deals while I’m just reading about them. Thanks for hosting the meme Jamie!


  11. Rachel says

    Thank you for this! I started couponing in September and I am just getting to where I a have a pretty nice stockpile. Every once and a while I have a thought that my stockpile might be me hoarding. So reading your post made me feel so much better! I have already been able to bless others with free items I’ve gotten from couponing or things I had in my stockpile, which we would not be able to give if they weren’t free/cheap. Plus I love being prepared when we run out of something!


  12. Theresa says

    You seem to have it under control both financially and spiritually. I can totally see how stockpiling could be a slippery slope into hoarding. If the tendency towards hoarding is present in an individual, stockpiling could be the tipping point. One cannot ever put their trust in stockpiles, but it isn’t sinful to be prudent.


  13. says

    Also related, has anyone here taken up canning or preserving?

    I have lookied into it and there are a bit high start up costs, but seems like it would pay itself off rather quickly.

    I would love to do that with produce. I just paid over 2 euro (almost 3 dollars) for a head of lettuce, in summer that are max 65 cents. and most times closer to 30
    .-= Rena´s last blog ..She’s back!!!! =-.


  14. says

    In terms of stock piling I have a few questions.

    First does anyone have any tips for doing so in a small area? I do have a section that is recessed from the wall in the hall, I thought of setting up some cupboards and draping a curtain in front.

    But also what do you recommend starting with? And how so? Do you just add a few items each time. Buy extra of what is on sale?

    How do you rotate?

    And how do you restock, as you go or a major haul.

    Thanks so much:)

    Oh and if anyone has suggestions for must have for the starter pantry or stockpile please do let me know.
    .-= Rena´s last blog ..She’s back!!!! =-.


  15. The Proverbs Wife says

    For those of you who think stockpiling may be wrong/sinful…I’d love to hear your thoughts regarding why you believe this to be so.


  16. says

    this post was an answer to prayer, i have been wondering if i was wrong for stockpiling and you set me straight lol thank you so much!!!
    .-= Tami Lewis´s last blog ..Another Quickie =-.


    The Proverbs Wife Reply:

    @Tami Lewis,

    Not that I meant to set you straight or anything Tami… lol!

    I think we have been conditioned to believe some falsehoods. People try to automatically imply that people who stockpile are greedy hoarders. That may be true for some but it’s not the case for all.

    Mathew 26:11 Jesus tells us that the poor we will have with us always…when he directs us on not giving everything to the poor.

    Knowing that poverty is a part of the natural order therefore I make preparations to do my part to help provide for them.

    If I were to wait until the need arose to buy items I intend to give to those in need I would then be guilty of squandering the Lords money. This does not hold true for everyone but it is the standard for my family. I don’t set standards for anyone else’s finances. If I knew that for the same $3.50 I’d pay for one bottle of ketchup, I could get 25 bottles with a little careful planning but I chose not to…well that just wouldn’t sit right with me.

    I don’t know if that is just something internal or what. If I bought the ketchup at $3.50 I would not be able to help as many families. This though process hold true for every purchase I make. I consider how many families will I be able to feed by stocking up on this item?

    I’m rambling. These are just my thoughts and justification for stockpiling. In my heart and according to scripture I have a duty to help those who are without and in order for me to do it on my husbands salary and not put us in the poorhouse, I must stock up when items are at their lowest prices.

    End of ramble.

    Thanks for stopping by Tami and I’d love to hear your thoughts.

    Be blessed.


  17. Christina Kelley says

    I love how you said buy it at the cheapest. I didn’t even think about it.


    The Proverbs Wife Reply:

    @Christina Kelley,
    Yep! You get more for your money that way. Thanks for stopping by Christina.


  18. Wendy says

    I never thought of stockpiling this way! Great lesson! Thank you so much!


    The Proverbs Wife Reply:


    Hi Wendy,

    I’m glad this post gave you a glimpse at the possibility of actually saving money by stockpiling. Do you already save money shopping with coupons?


  19. says

    Great post! Stockpiling is such a great way to save money and time, feel prepared, and be inspired to share. But how does it relate to what Jesus said about not storing up treasures for yourself on earth, not worrying about what you will eat, etc? I wonder about this sometimes…but I kind of feel like that must not be what he was talking about…what do you think?

    Your ketchup example made me think of a kid’s book we found in the library called Mrs. Pig’s Bulk Buy. 🙂 Did you ever read that one? It’s very funny!
    .-= ‘Becca´s last blog ..Excellent Educational Toy! =-.


    The Proverbs Wife Reply:


    Great question Becca. The bible tells us that the kings were in charge and ordered by the Lord to keep store houses for the purpose of collecting His tithe. The tithe was the cattle, the grain etc. in the old testament. We still hold this to evident today.

    Because we tithe of all of our increase not just our income, in essence a tenth of the stockpile is the Lords. In actuality it all belongs to the Lord. It is a portion of our tithe and our offering to the Lord. If He were to require that we give it all away for the edification of His Kingdom, we would. But that is not how he sees fit to disburse from our store house. He has commanded us to give on a monthly basis. In order to do that we must be good stewards of the income He has blessed us with. Therefore we stock-up when items are on sale in order to stretch the impact of the income the Lord has blessed us with.

    Here are some verses that show Gods support of storehouses:

    “…Blessed shall be thy basket and thy store…(Deut.28:5)

    “…The Lord shall command the blessing upon thee in thy storehouse…and he shall bless thee…(Deut. 28:8)

    This was a long response and hopefully not confusing. I probably did not answer your question well, but I will say this. If I am wrong for preparing for my household and preparing to meet the need of anyone in need then so be it. God knows my heart and knows I take no pride in having a stockpile. It is simple a tool to feed my family, others and big honor to the Lord.

    Be Blessed Becca.


    Sara Reply:


    I’m really glad this question was asked because it forced me to think about the spiritual aspects. I think the difference is in our attitude. There is a difference between hoarding and preparing. There are so many references in the Bible to preparing ahead and the wisdom of that. In Proverbs, ants are considered extremely wise because they store up their food in summer (30:25). Numerous places in the Old Testament God told his people to store up food to prepare for famine. Another reference to the wisdom of ants is Proverbs 6:6-11 “Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest. How long will you lie there, you sluggard? When will you get up from your sleep? A little sleep, a little slumber, a little folding of the hands to rest- and poverty will come on you like a bandit and scarcity like an armed man.”

    Also Provers 21:20 says, “In the house of the wise are stores of choice food and oil, but a foolish man devours all he has.”

    And about Jesus commanding us not to worry about what we’ll eat–I think we would all worry a lot less if we had a store. 🙂 But again, it’s in our attitude.

    There are many places in scripture called stewards (managers) of what the Lord has given us. A wise manager will look ahead and prepare, and be caretakers of what we’ve been given. This is in every aspect of life. It means keeping up our homes, caring for our neighbors and those in need, and in making our income stretch to cover the most needs.


    The Prudent Homemaker Reply:

    @’Becca, Jesus is specifically talking to his disciples about not worrying what to eat. This verse applies to missionaries. Having been a missionary, and having seen God provide clothing for me while in need of it, I know that He take care of His misionaries.

    Joseph of Egypt helped Pharoh prepare the people by having a surplus from 7 years of plenty. This saved the house of Israel from perishing.

    My own family has had to live from our pantry for more than a year at a time (no shopping at all the first year, and very little the second). We are now living that way again (no shopping at all), as my husband’s income has stopped. Nevertheless, I fear not for the snow on my household, because I have food for us to eat, and a garden providing fresh fruits and vegetables as well.


  20. says

    You hit on the number one way to save money at the grocery: don’t buy it when you need it, buy it when it is cheapest! I’ve got a pretty good stockpile, although nothing like a bazillion bottles of ketchup in it, LOL! But it sure is nice to reach for that 99 cent jar of mayo I bought a while back instead of having to go to the store and pay $3.99!


    The Proverbs Wife Reply:

    We don’t eat mayo much so when I buy it it’s always at full price 🙁


    The Proverbs Wife Reply:


    Thank for commenting on my stockpiling post. I stopped by your blog and I love the Daffodils and your crochet work. I am working on summer themed dish clothes.

    I’ve been doing a lot of garden prep work but not much is happening in my garden yet.

    Thanks for stopping by.


  21. Sara says

    I loved reading this, it’s a good motivator for me who is just starting the stockpiling phase. I can’t see any of the photos though except the first one?? Is that just me?


    The Proverbs Wife Reply:


    Hi Sara,

    Which browser are you using to view the site? Firefox, Internet Explorer or some other???

    I am so glad that this post was helpful. I really enjoyed writing it. It helps me see how important it is to manage my budget and purchases.

    Thank you for stopping by.


    Sara Reply:

    @The Proverbs Wife,
    I am viewing in IE. I noticed that when I click the spot where the picture is supposed to be, it takes me to a new page and there I can view it. But on this page there is only a red x.


    The Proverbs Wife Reply:


    I am trying to get the picture problem figured out. When I fix them in IE they don’t how in FF and vice versa.

    I get the red x in IE but nothing in FF. *sigh* I updated the text to give a better explanation for those wh cannot view the pictures.

    Thanks for alerting me Sara.


    Rena Reply:

    @The Proverbs Wife,

    I have the same issues with safari on mac 🙁
    .-= Rena´s last blog ..She’s back!!!! =-.


  22. Amy says

    Praise the lord. I am hoping to start a stockpile now from all your advice. Such a simple but effect idea. Thank you for sharing and i hope the Lord continues to bless your family.


    The Proverbs Wife Reply:


    Yes Amen…Praise the Lord! He has blessed us greatly. If you have any questions or need any ideas just let me know.

    Be Blessed!


  23. Shonda says

    AMEN! And thank you for all that you do!


    The Proverbs Wife Reply:


    Your welcome. Thank you for commenting. It let’s me know what topics are helpful. Have a blessed weekend.


  24. Sherry Gay says

    All I can say is AMEN, AMEN & AMEN, We have a stockpile in our home and it makes it so easy to give to others, the more I give away the more bargins I find, and my stockpile grows right back !! I know that most of sales I spot in different stores is a gentle touch on the shoulder to come down that asile again is the Lord blessing me with more for my family and to give away to members of My Lord’s Family that someday I will have the pleasure to meet!!! Thanks be uplifted to Our Father !!


    The Proverbs Wife Reply:

    @Sherry Gay,

    Isn’t it such a blessing to be able to GIVE? To see the Lord continue to open the door for more opportunities to replenish your stockpile sounds like it gives you even more motivation.

    I’d love for you to share more of your journey and your experience with stockpiling and coupon shopping here on the site. If you’d be interested just let me know.

    Have a blessed weekend!


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