By Rosemary Ford and Caitlin Agnew
This article has been edited for length and clarity.
With grocery and gas prices fluctuating all the time, it’s hard to know how to budget right now. Maureen Milliken, who writes the “It’s Your Money” column for Ink Link, shares some financial insights and some tips for navigating this tricky time, and hopefully padding your wallet.
Rosemary Ford:
A few months ago, when you were last here, we discussed your tracking of grocery prices and their connection to the tariffs and other economic factors. How's that going, and what's been happening with the tracking lately?
Maureen Milliken:
It started last April 2025, prompted by the tariffs. We tracked grocery prices for a year to see what happened, and obviously, a lot has happened. We learn something new every month. I just want to kind of disclaim that it's called the “grocery snapshot,” because it's kind of a snapshot of a variety of things that I normally buy. It's not like some big scientific study of grocery prices in general, but more kind of a relatable look, and I use what's happening with my items as kind of a springboard to talk about why prices go up and down and what's happening in general with things like produce or coffee.
Rosemary Ford:
What have you seen steep rises in?
Maureen Milliken:
The biggest price rise in the year has been a 12-ounce bag of coffee. Whole bean, because I use a French press — I’m kind of picky — has gone up from $10.49 last April, and it is now $12.49, so it's gone up $2 which, percentage-wise, is a pretty big increase. I naively thought November, when the tariffs for coffee beans were lifted, that the price was going to go down. But first of all, prices have a tendency to go up and not go down. Second of all, it's not only tariffs that are affecting coffee beans. They have to be grown in a certain climate. and unfortunately, the places they're grown are the most susceptible to climate change and plant diseases that come with it. So it's a very challenging product right now.
Another item is chocolate. I think last time I was on was right after Hershey had proactively announced that the prices were going to go up. That was a little bit before Halloween, but they already had all their Halloween candy made, so that was all set. But the things that affect coffee are the same things that affect chocolate, where the cocoa bean can be grown.
Nothing has really declined in price, and in a year, produce has a tendency to go up and down. Last month, when I looked at the yearly arc, there were maybe three produce products — bananas, cucumbers and oranges — that had all gone down from what they were the April before. But all those have, except for bananas, seen big spikes, and I just was looking at my shopping list today on my grocery stores app, and cucumbers are now $1.29 apiece when they were 79 cents apiece two weeks ago. But produce is very susceptible to so many things that have nothing to do with tariffs that the prices just go crazy.
Rosemary Ford:
Is the war with Iran having an impact on prices?
Maureen Milliken:
It is. The biggest impact is to energy prices. There's a long chain of effects that ends up affecting your pocketbook, and the energy costs of transporting produce, of making fertilizer and all those other things, affects the cost. The first and biggest cost is to beef. Beef prices are affected because of energy prices, because of transportation costs, supply chain costs, the cost of fertilizer to grow the feed that the beef eat, and the USDA says that beef has already gone up 6.4%. The USDA just released its price prediction a few days ago, and it's predicted that it's going to go up another 6.3% this year.
I personally don't eat a lot of red meat. I'm not a vegetarian, but I just live by myself, and it's just never been cost-effective to buy it and use it. It's not on the tracker, but it would have, I think, have had a big impact. I track 26 things, and it’s gone up 6.5% in the past year, as opposed to the 2.7% that the USDA says grocery prices have gone up. But I think if beef was on there, that would be a much higher number.
Even if the war ended an hour from now, and anything keeping energy from moving around the world was resolved immediately, you would still see it affecting prices for the rest of this year. When something has an impact on prices, the domino effect and the chain of events is such that there are just long-term impacts that are very difficult to solve.
Rosemary Ford:
Are there other factors playing into the rise of prices?
Maureen Milliken:
When I first started this I was thinking of the tariffs and not thinking in more general terms, but so many things affect prices, including politics. Pasta, which I guess the federal government has had a bee in its bonnet for the last 20 or 30 years. They claimed that Italian imports were being dumped at lower prices than they should be into the market, which was affecting the price of pasta made in the U.S. There's been this like a 30-year investigation of it, which came to a head at the end of last year, and they were going to put this super tariff on pasta, which would be kind of ironic, since they were claiming that it was affecting U.S. made pasta prices. But if the price of imported pasta goes up, then the price of pasta made in the U.S. will go up.
Rosemary Ford:
What do you plan to do to navigate this time?
Maureen Milliken
My plans are the same that I advocate — not only in the grocery snapshot, but in my money column. This goes beyond grocery prices, which is you have to be your best advocate for saving money. The grocery prices aren't going to magically come down because you're upset that they're high. If people say they don't have the time to plan meals or to cook or to research prices, you have to make the time. Time is money, and the more it becomes a habit, the more you'll be able to do that. Some quick tips are, if you're able shop at a large chain of which there are many, use the rewards. Use their apps which have rewards, coupons, savings and recipes. Figure out substitutions. Buy cheaper things. I know it sounds like it's a simplification. Eat more bananas, fewer $6 packages of cookies. One thing I've actually done is my mom cooked for six kids and liked to make healthy meals, but we didn't have a lot of money growing up, and I've revived some of my mom's recipes. They're fairly easy to make and they're nutritious, and they're not things I normally think of eating. I would also say that people with kids, until they reach around teenage age, can be the biggest advocates for change in your house. If you get them involved in thinking of ways to cut food costs and plan meals and plan grocery lists. Also track what you're wasting, track what's going in the trash. Start buying something else you're going to eat versus whatever's going into the garbage.
Rosemary Ford:
When you’re writing your column, what do you hope people take away as a lesson or learn from what they’re reading?
Maureen Milliken:
My biggest hope that people take away — not only with grocery prices, but with anything — is that you're the biggest advocate, and you're the one who has the power to change whatever is going on financially with your life. You may not be able to change everything. I know people have a lot of challenges, but you have to be proactive. You have to do the research and use your money from a place of knowledge. Figure out where your money's going and what you're doing with it and why you're buying what you're buying. It's hard work, and it's hard to break habits, but knowledge is power, and people need to be informed and have insight into their lives and what they're doing with their money, instead of feeling that it's this thing that's just kind of washing them away that they have no control over.
Rosemary Ford:
Thank you, Maureen.
“The State We’re In” is a weekly digital public affairs show produced by NH PBS and The Marlin Fitzwater Center for Communication at Franklin Pierce University. It is shared with partners in the Granite State News Collaborative, of which both organizations are members. For more information, visit collaborativenh.org.