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The Ultimate Costco Meal Plan | Part 2


The Ultimate Costco Meal Plan | Part 2

In Part 2 of the Ultimate Costco Meal Plan, we outlay the staples we purchase to crush the Grocery Bill

 This meal plan focuses on Simplicity and Repetition. It is well suited to buying in bulk at discount prices. We tailor 80% of our meals around what we can buy in bulk at Costco and fill in the blanks with special deals on pre-made dishes or specialty cuts of meat.

Many grocery staples are very cheap. As you might imagine, oatmeal and rice are cheap. In contrast  steak and fish can be expensive. Compare 20¢ per serving to $10 per serving

The key here is not to convince you to eat only oatmeal or all steak but to find the balance that provides maximal satisfaction for the most efficient cost. If you were to eat lobster every day at some point, it starts to taste like soap. If you have smoothies every day you will stop enjoying it. So how can we minimize our time in the kitchen, maximize the money in our wallet, and still have a great time enjoying all the options that we are blessed to have?

There are  15 to 20 staple items  I buy every month that I buy on a regular basis. These items make the core base of our monthly meal plan. The remaining 20% gets filled in, and I will share our strategy for that as well.

Costco Meal Plan | Ingredients

1. Flour – 5.59

Bread cost anywhere from $3 to $6 dollars per loaf, so we make our own bread. And because time is precious, and we both work we use a bread maker. So 1  to 2 nights per week I put the 5 to 6 ingredients in the bread machine and the next morning I wake up to a fresh loaf.

Total Cost: $5.59

Cost Per Loaf: 0.18¢

Serves: 31 Loafs (94 cups total)

Once you add in the other ingredients including butter, the cost approaches 50¢ per loaf. Each loaf provides 15-25 slices( we prefer thin slices). A loaf will last us 3-5 days for two people and at three slices per serving our cost is 5¢ to 10¢ per serving. We use the bread for toast, sides with soup, sandwiches, and to make paninis.

Whole wheat bread, white bread, and rosemary cheese bread. Oh yeah!

If you want to know what bread maker we use, as well as our other product recommendations please see our links below.

the ultimate costco meal plan flour
Flour for Less
Ultimate Costco Meal Plan English Muffin Bread
English Muffin Bread Using Bread Maker

2. Oats – 7.99

We also start at least half of our mornings with oats. Sometimes we dress them up with a banana or some raisin cinnamon. Oats are very inexpensive and very versatile.

Total Cost: $7.99

Cost per Serving (½ cup): 7¢

Serves: 114

We often add Bananas or cranberry or raisins, maybe some type of nut and a sweetener such as honey, brown sugar or maple syrup. But the average cost of this meal is 25¢ per serving. This is our breakfast at least 15 out of 30 days.

Fun fact you can use your oats to make oatmeal bread in your bread maker as well.

Oats are the perfect staple
Oats AKA Oatmeal, Homemade Granola, Bread

3. Greek Yogurt – 5.79

We add this to smoothies and occasionally to oatmeal

Total Cost: $5.79

Cost per Serving (½ cup): 36¢

Serves: 16

Unbelievable value
Costco is giving it away at this price

 4. Berries/Mango (Frozen)  – 9.99

We use in our smoothies, we will also substitute Frozen mango when available. We use a ½ cup serving each and get 20-25 servings per bag

 Total Cost: $9.99

Cost per Serving (½ cup): 0.39¢

Serves: 20-25

Smoothies anyone?
The Ultimate Costco Meal Plan - Mango Smoothie
Smoothies anyone?

5. Kale, Spinach or Mixed Greens  – 3.99

These can be used in salads or smoothies, and each will provide anywhere from 15 to 20 servings depending on how much you use. We use 1-2 cups and estimate the cost at 20¢ per serving

Total Cost: $3.89

Cost per Serving (1 cup): 20¢

Serves: 20



And at this point, if you’re Thinking, Bread and Kale ugh!

Trust me, with a little creativity it can be awesome!

So Far we have spent 33.25

The Ultimate Costco Meal Plan Kale
Kale & Apple can be used in a smoothie
The Ultimate Costco Meal Plan -Panini-Salad-Soup
Panini and Salad
The Ultimate Costco Meal Plan - Bread and Kale make a gourmet meal
Apple Fritter Bread
The Ultimate Costco Meal Plan Red Pepper Tomato Soup

 6. Black Beans  – 4.69

  • We make chipotle at home
  • Chili Recipes
  • Bay leaf and lime and rice

7. Rice

  • fantastic with Chipotle at home
  • Pair with beans to make a complete protein
Black Beans
The Ultimate Costco Meal Plan Basmati Rice
Basmati Rice

8. Potatoes – 7.49

  • Roast for 45 minutes at 400 Fahrenheit
  • pair with onions, sweet potatoes and other vegetables

use a mandolin, chef knife or a kitchen grate to make hash browns

9. Onions – 

  • We use in omelets
  • Roasted vegetables

10. Sweet Potatoes

  • This may be the perfect carb
  • I could have one every night at dinner
  • I typically just microwave for 6 minutes then allow to cool down and add cinnamon and just a small amount of butter
    • Unbelievable tasty and healthy


The Ultimate Costco Meal Plan Potatoes
My wife loves mini potatoes
My favorite carb

11. Cereal 8.69

  • Very few brands meet the nutrition requirements to come home with us
  • We buy Kashi and Granola at Costco
  • We also like making our granola from scratch- very simple and cheap
    • we will share our recipe for the granola in a future post



The Ultimate Costco Meal plan - Granola
The Ultimate Costco Meal Plan Kashi

12. Eggs -8.59

Costco has moved to organic cage free eggs, and while I often buy them there just out of convenience you can probably find them cheaper somewhere else

  • one of our staple breakfast is scrambeled eggs or an omelet with bacon onion and avacado

The Ultimate Costco Meal Plan- cage free eggs
Cage Free Eggs

13. Almond Milk 5.99

  • We use in smoothies, it has a longer expiration date than milk
  • And Less GI issues





14. Maple Syrup 10.49

  • Maple syrup is our sweetener of choice in smoothies and homemade granola. It can be very expensive if you buy it at a grocery store, but very affordable at Costco in bulk. This will last us 3 months
The Ultimate Costco Meal plan Almond Milk
Almond milk
Maple Syrup

15. Peanut Butter 9.29

  • Although we prefer the natural peanut butter, and use it in smoothies and on toast and sandwiches we often end up with JIF
  • We also make some healthier desert options using oats, maple syrup, peanut butter and craisins and or nuts.
    • We keep it simple, Throw it all in a food processor and make little energy balls with them 
The Ultimate Costco Meal Plan Peanut Butter
Peanut Butter

 16. Raisins/Craisins    7.49

  • We use in salads and in homemade granola

Now at 87.38

The Ultimate Costco Meal Plan Raisins
Peanut Butter

 17. Deli Meat 8.99    

  • We use in paninis and omelets


Deli Meat for Panini
The Ultimate Costco Meal Plan Beefsteak Tomatoes

Costco Meal Plan | How to Purchase Meat

 How to Purchase Meat

So meat has been suspiciously absent so far and I want to assure you that I am not a vegetarian. But I purchase meat differently. Sometimes we go ahead and buy the chicken in bulk at Costco, but they do not have the lowest prices on chicken.

My current method is to comb a website called Deals to Meals, and I do this once a week. They will collate the ads for major grocery stores nationwide and tell you who has the best deals. Then I will plan to 2 meals around that deal using either their Website or Budget Bytes. The meat stays fresher, and it injects some variety into our diet. By basing it around the weekly ads, you are sure to prevent wrecking your budget on meats.

My Favorite Grocery Lifehack

 Know the Price Per Unit

  • Boneless skinless chicken breast (anything less than $1.99/lb is exceptional)
  • Whole Chicken – $.99/lb (you are insourcing the works) – I rarely do this
  • Fresh Fish  $6.99/lb
  • Frozen Fish  $3.99/lb
  • Pork Chops (bone-in) – $1.99/lb
  • Pork Chops (boneless) – $2.49/lb
  • Pork Roast – $2.49/lb 
  • Ground Beef – $2.49/lb
  • Ground Chuck – $2.89/lb
  • Boneless Skinless Chicken Breasts/Tenderloins – $1.99/lb

Beef ( For MEN) or women who are awesome

  • Flank steak  $6.99/lb ( Fajitas)
  • Beef Roast – $3.99/lb
  • Beef Stew – $2.99/lb
  • Top Sirloin  5.99 / lb (one of my goto cheap cuts)
  • Chuck Boneless Roast $5.99/lb (Perfect for Beef Stew and pot roast
  • Tenderloin Steaks $13.99/lb (AKA Filet Mignon. These suckers cost $20/lb at the grocery store
  • Sirloin Tip Steak $4.98/lb
  • T-Bone Steak $8.87/lb
  • Beef Stew Meat $4.58/lb (Variety of meats, useful for anything done in slow cooker
Beef Roast
Stew Meat
Top Sirloin

Costco Meal Plan | Staple Meals


Costco Meal Plan | Breakfast

1 of 3 options

  1. eggs, Deli meat, Avacado Tomato
  2. Smoothie
  3. Oatmeal with Berries and cinnamon
  4. Pancakes
  5. nuts and coffee


Spinach in Salad and Vegetable Lasagna
Mango Smoothie


Costco Meal Plan | Lunch

  1. Left overs from Dinner the Previous day
  2. Salad
  3. Panini


Panini , Soup & Salad

Costco Meal Plan | Dinner

I will pour through recipe books and online recipe websites like Budgetbytes, to pick out two recipes; then we typically make at least eight servings, so each meal lasts up to 4 days. I also love recipes that pop up on my facebook feed via Tasty 

Dinner is where we inject variety

I have created a Pinterest Board which you can follow for budget meal ideas, You are not locked in, but you should consider using some of these principles when adapting this to your life


Ultimate Costco Meal plan - Dinner for 4 nights
Breaded Baked Chicken

 Finally, we have to fill in the gaps.

Sometimes you want something different, and you don’t want to make it. Well historically my wife and I would get Chipotle or Panera or some other inexpensive restaurant, but I have found that by purchasing a few pre-made meals Costco, we can dramatically decrease our food cost in this area as well.

Case Study

When We go to Costco or Panera, we spend $20-30. But If I shop Costco and pick a few Items that have a manufacturer rebate we can usually get the cost down to $2 to $5 per Serving. We try to shop for the items that have an active instant manufacturer rebate at Costco. This past week we chose Rosemary mint lamb shanks and Beef Stew. We also purchase a box (4 pack) of frozen pizzas each month.

Disclaimer: I love Chipotle and think that they provide a great value, but if you can decrease how often you eat out from once a week to once a month you could save $50-100 per month easily. The same principle could be applied to alcohol as well. If you purchase a case of beer or wine at Costco instead of drinking at a bar or restaurant, you will be saving mega dollars.

To make it a month on $300 you need to make it 28-31 days. Seven days a week, four weeks per month. + 2 to 3 days on the side

Breakfast we split fairly evenly between protein/fat based meals like and omelet with avocado and bacon and a more carbohydrate breakfast like oatmeal and yogurt or a smoothie. The average cost of our breakfast runs 50¢ to $1 per serving
averaged out to 75¢ per serving x 60 servings = $45

For lunch, We have either leftovers from dinner or a panini
average cost per serving is between $1 to $3
$2/serving * 60 servings = $120

For dinner, We alternate between Chicken, Beef, and Vegetarian. When we take time to make a meal, we usually have enough for several nights, and although some nights the meal may be as little as $1/serving and other nights if we have steak it may stray to $15 per serving. If you can keep the average at around $2 per serving you will crush your food bill

$120 for Dinner

Sum : $45 + $120 + $120= $285

Alternatively if you give yourself the much more luxurious $3 per serving average at dinner you will round out at $345 for the month 

Which is still really good!

Look for the small wins. At any given time in my life, I have a solid three to four meals that I repeat on an almost weekly basis. I have used this strategy without realizing it for years. I like the predictability. I’m going to be comfortable making the meals and so the barrier to entry is going to be a lot lower. I know what ingredients I will need, and If I don’t have an ingredient, I feel confident substituting or omitting. I am always looking for ways to save time, so if it’s delicious, and it came out of the slow cooker, then it will stay on my radar. With bread, I stick with the two to three recipes I’m comfortable with that way I can throw the ingredients in the breadmaker with reckless abandon. I don’t need it to be perfect; I need it to be simple.
With both of those tools I have all my ingredients ready; I throw the ingredients in right before I go to bed and come back the next morning to a finished product. This framework for managing food maximizes my how much food I will have ready and minimizes the time I have to put in the kitchen.

By gaming it out and making the core of your diet these inexpensive but healthy meals, You have room in your budget to make much more interesting choices later on.

2 Additional Resources


Use this website to clean out your fridge and pantry.

Supercook is a recipe search engine that lets you search by ingredients you have at home. Find thousands of recipes you can make right now with the …


Plan your 2 meals on a budget, feel free to inject variety here. Try not to sacrifice too much simplicity in the process

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The Ultimate Costco Meal Plan - Part 2
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