Thanks for all the GREAT suggestions! Going to the grocery tomorrow, so will take many into account. Less red meat, for sure. In fact, less meat period. We need to lose weight anyhow.
You said that you do the very first thing which is cook, including beans, so I assume that means pancakes, grinding your own wheat for fresh baked breads (because they are filling, nutritious, and people see them as a treat rather than a filler), etc.
Do you waste any money on drinks, or condiments, or pre-packaged mixes?
Costco is for people that do not buy the sales leaders from the weekly fliers of the supermarkets (Ignore Costco, do use Walmart).
Supplement basic foods like your beans and breads with home grown, garden highlights like fresh tomatoes.
If your family needs more, remember that homemade baked goods like cakes and cookies cost all of 70 cents to a dollar or two, yet you become a Goddess.
When was the last time that you had a homemade banana pudding, or home made marshmallows, when you remember a great childhood food that you now realize was probably cheap to make, write the name down, google it, and try it on the family.