Project Food Budget / My Healthy Budget: December

Project: Food Budget Weekly total: $158.72 – includes monthly meat CSA total

My healthy budget goal is to eat seasonal, home-cooked meals while sticking to a $400 monthly budget for all food including groceries, dining out, entertaining, vitamins/supplements, and spices/herbs.

There’s two of us eating 3 (mostly) meals per day. Breakfasts are usually light, and we try to eat left-overs for lunch. My husband occasionally eats take-out lunch at work, & that $ comes out of his personal cash stash.

December – Month Two, Week Three

project food budget

This week, I did great: $158.72, which includes $100 for my first meat CSA delivery. I’ve spent $336.13 for the month of December, so that leaves a balance of $63.87 for the rest of the month.

I’m thrilled that I’m still on budget for the month. Only one more week left and I feel confident!

The only problem I foresee is iHerb.com is having a great 10% off sale for VIP customers, and I’m going to stock up on supplements, grains and other groceries. My order will be about $100, so it will take me over budget, but I’ll just adjust January’s total.

Dining Out: $4.89
Entertaining: $19.16
Groceries: $134.67 (including $100 meat CSA delivery)

Week of Meals

Thursday: Broiled, marinated flap steak (local) with white rice and steamed broccoli & carrots
Friday: Leftover frozen pork bean soup
Saturday: Family birthday party pizza
Sunday: Tomato fennel carrot soup over pasta
Monday: Turkey bacon sandwiches with cole slaw
Tuesday: Beef burgers with white rice and cole slaw
Wednesday: Roasted potatoes/onions with fried eggs

Want to Join the Project Food Budget?

project food budget

If you’d like to participate in the Project Food Budget, get the details and let Emily know you’re on board!

Here’s who else is participating:

(note: the link for iHerb.com is an affiliate link. You will receive $5 off your first order with them)

Spending Less For Food, But Not Too Low

I found an inspiring article on Small Notebook concerning food spending and how spending less is not necessarily the answer – blog comments are equally inspiring!

Find Your Family’s Own Unique Budget Needs

Comparing what your family spends for groceries to another family can lead you down the path to frustration & self-doubt. Every family’s needs & values are unique. Just because there is a food blogger spending only $250 per month for their family of four doesn’t mean that is the best direction for your family! Do find inspiration from other frugal budgeters, but don’t try to fit your family’s spending into their food budget, because everyone’s circumstances are different!

Spending Less But Getting Sicker

Back many many years ago, when food was REAL, families spent a lot more of their income on groceries (25% vs 10%). Most of us now have (more important) cell phone and internet to pay for, so food has become somewhat of an afterthought.

Big Food has taken advantage by producing subpar food products that can be sold for much less than healthier alternatives. Cheap food gives the illusion of frugality, but in reality, it’s damaging our bodies and our way of life!

Worse, while we’re spending LESS, we’re actually eating MORE! Calories are through the roof and meat consumption is out of control, polluting our bodies and environment. More Americans are obese, and chronic (deadly) illnesses like diabetes and heart disease are becoming the norm, pushing our medical expenses higher!

So yes, I am still trying to curb my grocery spending and stick to a reasonable food budget, but I have to remember that food quality MUST remain the most important aspect vs price!

Project Food Budget / My Healthy Budget: December

Project: Food Budget Weekly total: $35.84

My healthy budget goal is to eat unprocessed, seasonal, home-cooked meals while sticking to a $400 monthly budget for all food including groceries, dining out, entertaining, vitamins/supplements, and spices/herbs.

There’s two of us eating 3 (mostly) meals per day. Breakfasts are usually light, and we try to eat left-overs for lunch. My husband occasionally eats take-out lunch at work, & that $ comes out of his personal cash stash.

December – Month Two, Week Two

So far I’ve spent $180.76 (total) for the month of December, so that leaves a balance of $219.24 for the rest of the month.

This week’s total was $35.84, for two small trips (Saturday & Wednesday) to the local grocery store for essentials: Broccoli, bananas, dark chocolate, oranges, apples, pears, grapefruit, mushrooms, raisins, and Pomi tomatoes.

Dining Out: $10.00
Groceries: $25.84

This Saturday, our meat CSA will be delivered, and I’ve added a jar of honey to my order; it’ll add almost $100 to my spending for the month. I’ll have $121.84 to get me through 2 more weeks (including both Christmas & New Years Eve holidays). We’ll see how it goes. I’m not panicking yet! haha!

Week of Meals

Thursday: leftover freezer chili
Friday: freezer chicken soup w/ mushrooms, spinach and barley
Saturday: take out pizza – cheap with coupon
Sunday: leftover freezer pork with acorn squash & brown rice
Monday: Clam chowder
Tuesday: Broccoli, Cheese & Brown Rice Egg Bake
Wednesday: Leftover freezer chicken soup with freezer beans, chard & peas

Want to Join the Project Food Budget?

project food budget

If you’d like to participate in the Project Food Budget, get the details and let Emily know you’re on board!

Here’s who else is participating:

Project Food Budget / My Healthy Budget: December

Project: Food Budget Weekly total: $141.57

My healthy budget goal is to eat seasonal, home-cooked meals while sticking to a $400 monthly budget for all food including groceries, dining out, entertaining, vitamins/supplements, and spices/herbs.

There’s two of us eating 3 (mostly) meals per day. Breakfasts are usually light, and we try to eat left-overs for lunch. My husband occasionally eats take-out lunch at work, & that $ comes out of his personal cash stash.

December – Month Two, Week One

project food budget

I’ve spent $141.57 during the first week of December, so that leaves a balance of $255.08 for the rest of the month.

I’m a little bit nervous about this month, seeing that there’s an extra week plus the holiday, but I’m keeping the confidence up, and trying to plan ahead.

Whole Foods was my first stop @ $58.80 – lots of produce, including local cranberries, organic leeks, bananas, organic apples, organic pears, organic acorn squash, broccoli crowns, organic carrots, fennel, organic lemons, meyer lemons, mushrooms, (local) cocktail tomatoes, and satsuma mandarins, plus Earth Balance mindful mayo, brown cow plain whole yogurt, and olives at the antipasti bar. I also needed some pantry items: white & brown rice, organic ketchup, and bulk whole caraway seeds.

Trader Joe’s totaled $35.09: turkey bacon, raw almonds, peanuts, de-shelled pistachios, frozen organic corn, frozen organic peas, (2) frozen organic raspberries, frozen pesticide-free blueberries, and I was craving Barbara’s Multi-grain Shredded Spoonfuls cereal. I rarely ever buy cereal anymore, but I just love munching on this stuff, and it was a huge box for an excellent price!

I also picked up some King Arthur whole wheat white flour at the local grocery for $2.99 and two dozen local eggs for $5.75.

I had originally wanted to only spend $50-$60 this week, but since I needed to be in same area as Trader Joe’s so I knew it would be frugal-wise to stock up on a few things there, after my visit to Whole Foods. Since I’m fairly stocked now, I am hoping that I won’t need much next week, but some fresh produce. I’m lucky in that the local grocery has a decent offering of organic fruit, so I probably will not need to head to Whole Foods (hopefully!)

Dining Out: $33.45 – much higher this week since DH decided to replace the kitchen floor this week!
Entertaining: $5.49
Groceries: $102.63

Our local meat CSA will be delivered on Saturday December 17th, and I originally thought I should apply the cost as we cook/eat the meat. But that could be a nightmare to keep track of individual meats, so now I’m leaning toward adding the total each month as it’s delivered.

I’m really trying this month, but with Christmas and New Years Eve, I might be forced to go over a little bit. If that happens, I am not going to beat myself up about it. It’ll be okay. I’ll try my best, but things happen. I’ll just deduct the amount from January!

Week of Meals

Thursday: Take out
Friday: Braised beefalo brisket & cabbage with barley
Saturday: Left over beefalo & cabbage with white rice
Sunday: birthday party in the afternoon, so simple cheese sandwich with veggies for dinner
Monday: Spicy leek tomato soup with corn & beans
Tuesday: Take out – DH decided to work on replacing the kitchen floor this week, so it messed up meals a little
Wednesday: Potato pancakes (previously frozen left-overs) with eggs & toast

PS Next week, I won’t be so long-winded!!!!

Want to Join the Project Food Budget?

project food budget

If you’d like to participate in the Project Food Budget, get the details and let Emily know you’re on board!

Here’s who else is participating:

1st Post Project Food Budget – 1st Month Healthy Budget

Today marks my first official post for the “Project Food Budget” – a group of bloggers like me, that are trying to stick to a specific food budget every week/month – they’re already at week 9!

It also marks the end of the first month for My Own Healthy Budget challenge.

My Budget Details:

My budget goal is to eat healthy, unprocessed, home-cooked meals while sticking to a $400 monthly budget for all food including groceries, dining out, entertaining, vitamins/supplements, and spices/herbs.

There’s two of us eating 3 (mostly) meals per day. Breakfasts are usually on the small side on weekdays, and my husband occasionally eats take-out lunch at work. If needed, that $ comes out of his personal cash.

First $400 Budget Month

So, yay, I survived my first official month, with $ to spare. Soo sooo oooh proud of myself!

My budget was $400 for the month of November, and I spent $396.65

Dining Out: $86.60
Entertaining: $19.68
Groceries: $286.47
Herbs & Spices: $4.99

I need more practice in meal planning, but yesterday I tried to put together a week of dinners. We’ll see how easily it will be to follow. I’ll post next week on how I do.

Today, I used my $40 Groupon coupon for GNC and bought 2 bottles of multi-vitamins, 1 bottle of calcium citrate, and a bottle of organic apple cider vinegar. Not bad for an investment of $19 a couple of months ago!

Tomorrow I’m planning a trip to Whole Foods. I have my list ready on my iPhone, with estimated prices and I think I’ll be able to keep to $50-$60. This should get us through for 7-10 days before needing to go shopping again.

I’m excited for our first CSA (local) meat delivery this month, and I won’t be applying the cost until I actually cook the meat, hoping to stretch what’s delivered for the next 6 months into the summer months.

Want to Join the Project Food Budget?

project food budget

If you’d like to participate in the Project Food Budget, get the details and let Emily know you’re on board!

Here’s who else is participating:

Grocery IQ Review – Smart Phone App For Grocery Shopping

I have been using the Grocery IQ app on my iPhone for years. I started using it way back when I had my iPod Touch; I believe I even paid $1.99 for it back then (and worth every penny), but it’s FREE now! They do add a bit of “advertising” but after awhile, it’s not even noticeable.

This app is indispensable for grocery shopping, keeping me organized and within my food budget!

When I first began using Grocery IQ, I only wanted to keep track of my shopping lists, and it works great if that’s all you want to do. But it offers more features for the serious shopper!

Adding Items to Shopping List

It’s easy to add an item to the shopping list either manually or with the handy built-in bar code scanner; the items are organized by aisles. You can customize your “aisles” – arranging the order & renaming or adding new aisles.

It keeps track of multiple stores, and a separate “favorites” and “history” for each store.

Serious Food Budget

I have always loved and used this app, but recently, I became more serious about sticking to a food budget, so I started adding item prices and quantities/weights.

At a glance, I can see I can see the total cost of food in my virtual shopping cart, as well as the total of how much is left on the list. I know exactly how much I’m spending and it’s a whole heck of a lot easier to use than a calculator!

Below, there is a screenshot of my last shopping trip – There is $77.16 of food in my shopping cart, and there’s $7.07 still left on my list. I decided to leave the rest of the items on the list until the next shopping trip.

Grocery IQ app shopping cart

Once I hit the “check out” button, it empties my cart, and adds the items to that store’s “history.”

Grocery IQ is available for iPhone, iPod, iPad, and Android users, as well as syncing to their web interface too. It’s free, so how can you lose!?

Cut Your Grocery Bill in Half (America’s Cheapest Family) Book Review

cut your grocery bill in half with americas cheapest family

I borrowed the book “Cut Your Grocery Bill in Half with America’s Cheapest Family” from the library, and wow, what a learning experience!

The book has been a tremendous help with getting me back on track with a budget & saving money! A few months ago, I set up a preliminary spreadsheet budget, but now I have a more detailed budget. It’s become an obsession now!

Although not all of the suggestions and tips apply to every family’s situation, this book could be helpful for anyone wanting to learn how to spend less on groceries, as well as help to organize your kitchen and pantry. Even if you implement one or two of their suggestions, you will win!

The chapters are as follows: Cut Your Grocery Bill in Half (or More); The Power of the Plan; Shopping to Win; Couponing-One of the Many Ways to Save; Cooking That Will Save You Time, Money, & Sanity; Stocking Up & Organizing-Store It, Find It, Use It; Economizing Equipment-Powerful Money Saving Tools; Family Dinnertime-Building a Stronger Family at the Table; Feeding Your Kids for Less; Where and How to Eat Out for Less; Gardening-Grow It Yourself & Be Healthy; Bag Up the Savings; Bonus: More Ways Singles & Empty Nesters Can Save a Boodle; Recipes.

I decided to read it in order, from cover to cover, and try to implement their advice as I read along.

Meal Planning

The book stresses the importance of a solid menu plan, which is probably the area in which I need the most help.

I would love to get into a routine of planning specific meals and building a shopping list that works together with the meal plan. That will be my biggest challenge.

Just last week, I tried to create a dinner menu for the week, but something always changes and I end up off track again. But the book is encouraging, explaining that changes to not happen overnight. It takes time and practice to get things right!

I’m also trying cook extra meal portions to “feed the freezer.” I already do that to some extent, but it needs to be kicked into high gear with better organization and planning. I started keeping an inventory list of what’s in our freezer, because unless you know what’s in the freezer, you won’t use it!

It’s really an awesome feeling knowing that on busy nights, I can rely on a freezer full of ready-to-reheat homemade meals, that just need to be defrosted that morning or the night before. It’s the art of planning ahead!

Shop Less, Spend Less

The authors propose that to save money on groceries, it’s essential to shop less often; they shop only one night a month at 2-3 stores offering the best sales. Once a month would be impossible for me, as I rely too much on fresh produce, but I am aiming for once every 7-10 days. It’s difficult because I do enjoy grocery shopping, but I’m going to give this a try and see if it helps to keep spending within my budget.

The book also teaches some of the tricks & mind games that grocery stores play to get you to purchase more. I learned that stores WANT you to impulse buy, and they make tons from shoppers just stopping to buy “just one thing”!

And I passed my first “test” last week. I wanted to make muffins, but I had no milk (dairy or non-dairy) in the house. I wasn’t planning on grocery shopping until this week, so I really didn’t want to go to the store for one item, and I kept thinking about the advice in the book. Just make due and substitute what you need with something you already have. So, I used my brain-power (whoo hoo), and realized that in place of milk, I could use yogurt, which I had plenty of. Problems solved! I was so proud of myself!

I’m definitely going to try to stick to my shopping list, and not give in to impulse buys! One tip from the book is to keep any impulse items in the grocery cart top rack, and when you are all done shopping, look again at each item and decide if it’s worth adding to your grocery total.

My Personal Tip for Smart Phone Users

I have a tip of my own for smart phone users: The Grocery IQ app is not so “smart” anymore has been indispensable when I’m shopping. IMPORTANT UPDATE: On May 8, 2012, Grocery IQ updated their app removing the ability for product pricing, thus making the app utterly useless for anyone on a budget! I don’t know what their motivation was, but the app was totally redesigned, also removing my customized aisles and history.

I’ll be writing a detailed review of Grocery IQ app soon, but to summarize, the app keeps used to keep a running $ total of items in my grocery cart as well as what’s left on my shopping list. That way I know There is now no way to know exactly how much I’m spending and it’s a whole heck of a lot easier to use than I might as well just use a calculator!

Rainchecks

I loved the tip in the book about rainchecks. I ask for rainchecks all the time at Whole Foods when an item is out of stock. I never thought about asking for a raincheck for an item that might actually be in stock, but perhaps you would like to purchase at a later date for the sale price.

Prebagged Produce Weighs More

I think my favorite tip in the book was to buy prebagged produce.

Months ago, my sister told me how much she loved buying the 2lb bags of organic carrots at Whole Foods. I always thought it was silly because the price for loose carrots was $1.29/lb while the bagged carrots were $1.25/lb. Why not pick and choose your own carrots for a few more pennies?

Well, I’ll tell you why. The book states that prebagged produce by law must contain at least the weight claimed on the bag, and most manufacturers will err on the side of caution and add more ounces to the bag.

They’re right! I weighed the 2 lb bag of prebagged carrots I bought at Whole Foods and it was 2.33 lbs. That brings the cost per pound down to $1.07, saving over 20 cents per pound vs the loose carrots. No, it’s not a budget shattering savings, but it made me feel good, and at the same time, it made me think of my sister, whom I love very much! <3

Know Your Prices

Following the advice in the book, I set up a “best price” spreadsheet for regularly purchased items, along with an additional spreadsheet to compare bulk pricing. Yes, it is time consuming, and the book warns you about that, but once I researched prices from Whole Foods, Amazon.com (subscribe & save) and iHerb.com, it was amazing to see the subtle (and not so subtle) differences in price.

I keep a pdf copy of the list on my iPhone, and also a printed copy if needed.

I still have a long way to go with price organization, but I’m off to a great start!

Buying Used Appliances

The authors suggest buying used vs new when it comes to some appliances, but you must be informed before purchasing. Know the value of the item, check sales to compare to how much it costs as new. Research the brand name for reliability. Is the seller the original owner, do they have the sales receipt and instruction manual? Visiting the seller’s home can tell you a lot about the integrity of a person.

It’s okay to haggle to get the best price, and again, that’s where researching fair market value is helpful.

It’s very important to know the item’s serial number and either call the manufacturer or research on www.appliance411.com/service/date-code.php to find out the age of the product. Sellers notoriously under-age their products, and it’s always a good idea to know beforehand if a product truly is 5 years old or if it’s 25 years old. They suggest a cap of 4-5 years old when purchasing used items. If a serial number plate is missing, it could be stolen.

Get a receipt when purchasing used with date, amount paid, serial number, and buyer & seller names.

Miscellaneous Tidbits

There are great suggestions in the book concerning organizing your freezer, including placing the contents in paper bags – something I’m going to try!

They also warn against keeping your freezer in an area that has temperatures less than 55° – I did not know that! We have our chest freezer in the workroom downstairs, and I’m not sure if it gets colder than that in the winter. I’ll have to check into it.

Another great tip is to use table linens/cloth napkins actually made of linen not polyester. Linen lasts a very long time and is stain resistant, but it needs to be ironed. It’s also lint-free, which also makes older, warn linens great for cleaning windows and glass. Estate sales are a great place to find linen table cloths and napkins for very cheap prices.

Cheap Food is Not the Answer

One strategy that I strongly disagree with is their advice to purchase cheap food, especially meat, dairy and eggs. Purchasing beef at $.99/lb is NOT a healthy choice.

Cheap meat is directly related to factory farming which abuse animals and destroy our environment; I would rather pay more for better-raised meats and just eat less of it.

The more we encourage “cheap” food, the worse our nation and our economy will become.

It’s not just animal products, cheap produce encourages pesticide usage, which affects the health of farm workers, as well as the health of those consuming the produce.

Farmers can’t afford to keep growing responsibly, because the public demands low cost food! Organic is not always the answer, but at least it protects the environment and farm workers from being exposed to toxins.

It’s unfortunate, but we’ve become a nation that is dictated by the thrill of a “bargain.” I’m not saying that we shouldn’t try to save money when grocery shopping, but we shouldn’t expect rock bottom prices either. There’s a reason that it’s so cheap, and we’re paying the price with our health and our environment, while big food companies are gaining huge profits!

But I don’t have a large family to feed (there’s just two of us) so I really can’t blame the authors for purchasing “cheap food.” I consider myself lucky that I am able to have that choice, and realize that other families cannot afford to.

Admittedly, there are occasions that even I can’t stop myself from buying something that I know is not humanely raised, like a block of good cheese. And there are moments (especially after reading this book) that I think about how much I’d really be saving if I just gave in and purchased cheap food on sale in the weekly fliers. But until the day that I’m desperately in monetary straights, I will continue to eat as I do, knowing that yes, I am probably spending a lot more, but it’s worth it!

And THAT is the beauty of the book, you aren’t forced to do as they do, unless of course you want to. There were plenty of other ideas that I found extremely beneficial.

I encourage everyone to grab a copy of Cut Your Grocery Bill in Half with America’s Cheapest Family

And to boot, the book is at a bargain price of under $7 brand new shipped from Amazon! – but if you want to save even more cash, then borrow it from your local library like I did! I promise either way, you will learn something that helps your food budget!

Web Resources:
America’s Cheapest Family website – lots more tips, and videos of their appearances on various TV and radio shows. This family is marketing genius!
America’s Cheapest Family Gets You Right on the Money – their first book, which I have on order at the library. Looking forward to reading it!

So Proud Budget!

I am so proud of myself today. I went to Whole Foods, with a $50 bill and I was determined to stick to my budget! And I did it! $46.63! Whoo hoooo!

Thank God I have the Grocery IQ iPhone app that helps me with my shopping list. I can add prices (either by quantity or by weight) so I know what I am spending almost down to the last penny! And since it keeps a “history” of past items, I know what some products are going to cost so I can plan ahead! That’s a huge help!

If I see the $total getting close to my limit, I can adjust my list and not buy some items that aren’t essential. I’m really trying to spend less on groceries, but still retain a high quality of food. I’m getting there, slowly but surely!

I’ve been tracking expenses for well over a decade, but it’s only recently that I’ve sat down and really analyzed our spending. I set up a budget worksheet and I’ll also set up another one with prices so I can keep track of which stores (online too) have the best prices.

Right now, I have set a budget of $600 per month for food, and that includes dining out, entertaining, vitamins/supplements, etc. I have a separate budget for non-food household items.

I’m trying to lower the food budget more, and I am still learning how to do that. I think the key is buy a few more if it’s on sale, but buy only what you need for the week if it’s not, especially in the bulk isle. I also need to concentrate on using the inventory in my freezer!

It’s a slow process, but I’m getting there!

Is Eating Healthy More Expensive?

I just calculated my spending amounts for food, comparing the total for dining out and groceries from month’s past to what I am spending now eating healthier. Surprisingly, the totals were fairly equal.

On average, I would spend about $700 to $800 per month for both groceries and dining out. It’s still the same now, but I am spending much more on groceries and way less on dining out. Yeah, I could be saving a whole bunch more if I tried to cut a few more corners and maybe not purchase so many expensive items, and I really should try a little bit harder to work on that!

Eating clean and responsibly is expensive, I don’t care what anyone says! :) But I figure that I feel so much better inside and out when eat this way, so it’s worth it, right?

I hope in the next 6 months or so, I will have a better handle on things, and hopefully, I can budget our food spending a bit more. We’ll see!