For many people, cutting back on their grocery budgets can be an overwhelming experience.

Most people don't think they can live the frugal life and still be comfortable. I feed my family of four on $125 month. Over five years, when my husband earned an average of $22,000 per year, we paid off $20,000 debt. When cutting your grocery bill and paying off debt, it's the little things that add up.

Drink water for your meals.

If your family is used to drinking milk, juice or pop for every meal then start by cutting juice from one meal or snack a day and drinking only water. After you get used to this, cut from another meal until you drink only water for meals and a glass of juice or milk at snack time.

You can also try allowing one glass of juice at meal times and then water after it is gone.

You save over $500.00 a year by cutting just one glass of juice per person per day for a family of four.

Don't assume homemade is cheaper. If you get a very good deal on chocolate chips and ingredients for candies, it is cheaper to make them than buying them pre-made. Make sure you do the calculations, though! If you don't purchase them on sale, homemade candies can be more expensive than candies purchased at the store.

Stop wasting food. Give young children small portions. They can always have more if they are still hungry. Give them a half glass of juice and a half sandwich so you don't waste uneaten food. Put food in the refrigerator right after the meal so it doesn't spoil. Use leftovers for lunches, in other dishes or frozen in one-portion sizes for a quick meal.