November Budget Report

I’ve been putting this post off.

Not necessarily because the numbers are BAD, more because the numbers are…well, not all there.  Friends, my LAPTOP DIED.  What a sad, sad day it was.  With it, the budgeting software (which I can recover) with all the updated numbers (which I cannot recover).  So…yeah.  Oops.


One thing I have found since getting serious about budgeting EVERY penny is this:  There is NO such thing as a normal month, or at least there hasn’t been so far!  I keep thinking to myself, “when we have a normal month, without surprise expenses, then we’ll really get this debt paid down quickly!”, and yet, those kinds of months don’t seem to exist.  It’s been a great eye opener for me, and I’m so grateful for that.  We had over $500 in vet bills, in addition, or course, to the laptop dying (although that’s not really an expense right now, because I ain’t spending money for a new one).  And while the gymnastics bill wasn’t unexpected, I wasn’t exactly prepared for it.  Another great learning experience:  ya gotta budget every month for expenses that don’t come out every month.  (Y’all already knew that, didn’t you?  I’m kinda slow.)


indexI can still give you the main gist of the month, so let’s take a look:


Household Income:

  • My part-time job (Para Educator) – $537.79
  • Hubby’s full time job – $2,232.76
  • Online income (blog, surveys, etc) – $276.04

Total Household Income:  $3,046.59


Household Expenses:

  • Mortgage – $1,035
  • Tithing – $305 (We pay 10% of our income to tithing each month)
  • Other Charitable giving – $30 (Donations, etc)
  • Gymnastics – $180 (This comes out every 3 months, so I need to remember to budget $60 each month for this, so I’m not caught off guard next time!)
  • Vet bill – $518.81
  • Credit Cards – $664.14
  • Phone bill (this includes our 3 phones and internet) – $81.72
  • Utilities (heat, water, electric)  – $122.86
  • Car Insurance – $73.45
  • Emergency Savings – $35

Total Household Expenses- $3,045.98


Halfway through November, I had a higher debt payoff amount…but that was before the 2nd visit to the vet with my very sick cat.  That 2nd bill was put on our credit card (BLAST!), so I had to deduct it from the debt payoff to even it up.  Does that make any sense?  :)  It’s late and I’m sleepy, so one never knows…


Anyway, there’s the gist of it.  The two biggest lessons I learned this month:

  1. Budget EVERY month for the expenses that don’t occur every month.

  2. NO month is “normal”!  Plan for unexpected expenses EVERY month!



Down With Debt Mid-November Update

I’ve gotten so behind on posting updates about our finances, but I wanted to at least do a quick check in.  So far, November has been more kind to us, in regards to surprise medical bills and unexpected car repairs.


indexOur cat recently started peeing outside the liter box and the other day we noticed blood in his urine.  I called the vet and scheduled an appointment, and $233 later, we’ve got two prescriptions that I can’t get him to take.  Because I didn’t have a budget for vet bills, it was put on our credit card…AUGH!  I was quite shocked when I saw the bill and realized that $40 was charged FOR THE PHONE CALL I made to schedule the appointment.  Don’t think I’ll be calling them again.  We’ll just have to show up, ha ha.


Other than that, things have gone about as expected.  Our pet food bill will be going up, as we’re supposed to put our cat on a wet food-only diet to help with the crystals forming in his bladder.  I just bought a pet water fountain on Amazon to try and help encourage more water drinking, but that didn’t cost anything because I had earned enough Amazon.com gift cards with Swagbucks.  I also have a Prime account, so the shipping is free, and I’ll get it in 2 days!  I hope it’ll help.


Another expense that we don’t have monthly occurred (it happens every 3 months):  enrolling my daughter in gymnastics ($180).  It’s the one thing I will NOT sacrifice.  She’s waited so long to start, and when I finally bit the bullet earlier this year, she was the 11-year old girl in a class with 6-year olds.  She stuck with it and has advanced every single term, and, starting December 1, she’ll be enrolled in the highest level they offer before competitions!  She’s finally learning with girls her own age, and it’s been a dream come true for her.  I’m so happy she’s found her passion.

So far we’ve been able to pay $864.63 on our debt.  Using the YNAB budgeting software has been SO helpful in helping me to know exactly how much I can put to our debt.  I anticipate that as we keep using it, we’ll be able to pay a little more each month to debt, simply as we find little extra bits of money here and there.  Of course, it’ll help to avoid some of the financial “surprises” we had in the previous 2 months!  Fingers crossed. :)





Down With Debt – October’s Monthly Finance Report

Well, well, well.

indexIt’s already time – another month has passed.  October turned out to be fairly full of medical bills and car repairs – although not as full as September was (thank goodness!).  Let me show you the numbers, with comments:



Total (net) income from both our jobs for the month of October:  $2,798.89

Online Income (surveys, etc):  $74.66

Total Income:  $2,873.55


Mortgage:  $1,035

Utilities (phone, internet, gas, electric, etc):  $247.71 – I have a sinking suspicion that this will be our last low gas bill month, with the cold weather arriving!

Insurances (life and car):  $105.85

Tithing, charity:  $300

Debt repayment:  $211.91

School (fundraisers, pictures, lunch):  $69.25

Medical Bills:  $182.74

Grocery: $280

Gas Money:  $164.48

Car Repairs and yearly Registration:  $251.61

Emergency Fund:  $25

Total Spent:  $2,873.55


I love that I was able to find a spot for EVERY PENNY we made.  I used to estimate and get close, but with me wanting to get more serious about our budget, it’s important to me that I find a home for EVERY dollar, and yes, EVERY penny!  I have the YNAB budgeting software to thank for that.  Now that I’m using it, I feel more confident that my numbers will continue going in the right direction.


So…you know, it wasn’t an overly impressive debt repayment month, but we kept our heads above water.  We’ve started building our emergency fund again as well.  I’ve made a few changes that will save us an additional $100+ each month, so November will be even better.  I’ll be sharing what I did later this week!


Budgeting – The Basics

Okay, so most of us are familiar with the term “budget.”  If it’s something that is fairly new to you, let me give a very simple overview and explanation:

What Exactly is a Budget?  The Basics:A good builder uses a set of building plans to build a house. If he didn’t, the kitchen might get overlooked completely.  That’s how important a plan is.

Yet most of us handle our finances without any plan at all.

Not very clever of us, is it?

Without a money plan, we will travel on our financial sea without a direction and end up shipwrecked on the island of financial grief.

A money plan is called a budget.  A budget is the ultimate financial management tool and it is crucial for us if we are to get to our desired financial goals.  Budgeting is simply having a plan or guideline showing how your money will be allocated or spent during a particular period.  I usually build my budget for a month’s time, although you can certainly do it for a week instead, if that works for you.

The main objective of budgeting is to produce a spending list that is equal to or less than your income.  Being aware of how you spend money is the most critical step in financial freedom.  Budgeting is one of the hardest financial disciplines to keep (not the actual making of the budget; that’s fairly easy to do. It’s sticking to the budget that is difficult)!  And that’s okay. It’s a work in progress, after all.

The best way to make a budget that you can stick to in the long term is to make it realistic. Never (and I repeat never) make it a financial starvation plan. Instead make reasonable allocations for all your necessities, entertainment and savings as well as the occasional luxury item.

Why should you even bother with budgeting?

You will be shocked at ‘non-necessaries’ you spend money on.  If we can get control of the expenses that really don’t matter in the grand scheme of our lives, we can enjoy financial freedom eventually.  And that is what we all want, isn’t it?



Back to School Shopping Complete!! (August Budget Challenge Update)

IMG_20140814_111913I’m happy to say that we have completed our back-to-school shopping.  What a blast we had, too!
I am monitoring our spending very closely this month for the August Budget Challenge, and doing everything I can think of to save.
We took advantage of the Savers Club Member clearance day….50% off all summer clothing, and 50% off all silver tagged items.  Being a thrift store, Savers is already nice and cheap – to add an additional 50% discount makes me one happy lady!
Here’s how we did (these are the totals for ALL of our school/work shopping, not just this last trip):

  •  ALL of my purchases (thrift stores and yard sales) included 3 pairs of pants, 14 tops, 1 skirt, 1 belt, and 2 bras.  My entire total:  $42.19.

  • My husband in total purchased 6 shirts, 1 (new with tag) pair of pants, and 2 shoes.  His entire total:  $12.82.

  • IMG_20140815_145251Munchkin got 2 pairs of shorts, 4 pairs of pants, 9 tops, 4 pairs of shoes/boots, 1 bed sheet, 1 hair straightener, 4 bottles of lotion, a pack of underwear and socks, 2 pairs earrings, 3 bras, 2 dresses, 1 coat, a backpack, and school accessories (pencils, erasers, folders, notebooks, crayons, etc).   She also went shopping with her grandma and bought 1 pair of shoes, 2 shirts, a pack of underwear and 1 pair of pants.  Her entire total is:  $62.48.

  • IMG_20140815_144222Buddy Boy got 4 pairs of pants/shorts, 11 tops, 2 pairs of shoes, 1 backpack, 1 robe, 1 coat, 1 bed sheet, and 1 nightshirt.  He also went shopping with his grandma and bought 2 pairs pants, 2 shirts and a pack of underwear.  His total:  $45.92.

We also used some of this budgeted money to buy other things at the yard sales:  ribbon, Christmas decor, kitchen supplies, etc.  We spent another $35 on those.


We originally budgeted $300 to go towards our back to school shopping.  Our actual total ended up being $198.41.  Gasp:  We made it under budget!!  YAY! 

The $101 we did NOT spend that was budgeted is being divided between groceries for next month and our emergency fund.  September is usually the month that money is the most tight, as it is the 3rd and final month that we are living on just my husband’s income (I work at a school and don’t get paid in the summer).  It’ll be nice to have a head start on the grocery budget.


Are you done with your back-to-school shopping already?  Or do you wait until the last minute like me? ;)


August Budget Challenge – Grocery Update #2

I normally am not happy when I see that the month is nearly halfway over, because it means time is going too quickly, but today, I’m grateful.  This is because we only have half a month left to survive on not much money, ha ha!  We overspent this week again, although not as badly as the week previous.

Our grocery budget for the month is $220.  This includes non-food items as well, such as personal care, diapers, kitty food and liter, etc.

We did a couple of shopping trips to get the best prices on items:

Trip #1 – Smiths:

  • 4 boxes Chex cereal (back to school stock up item) – $1.99 each w/coupon, total $7.96
  • 1 can Kroger tomato sauce –  clearance for $0.19
  • 1 pkg cream cheese – $1.00
  • 8 Greek yogurts – clearance for $0.25 each, total $2
  • 1 cupcake (not pictured – treat for the kids for behaving) – clearance for $0.49
  • 6 pumpkin muffins (to freeze for snacks) – clearance for $1.99
  • 1 pkg Friskies cat food – $4.00
  • 1 loaf white bread – clearance for $0.59
  • 2 pkgs Hormel pepperoni – clearance for $1.49 each, total $2.98
  • 2 pkgs quart freezer bags – $1 each, total $2
  • 1 pkg brown rice – $1

Shopping total w/tax:  $25.21


Trip #2:

  • 2 lb bag carrots – $1.09
  • 3.33 lbs Kiku apples – $0.79/lb, total $3.03
  • 6 limes – $1
  • 2 red bell peppers – $0.79/each, total $1.58
  • 10.57 lbs bananas (freeze for smoothies) – $0.39/lb, total $4.12
  • 1 bunch parsley – $0.79
  • 1 pack pencils – $1.19
  • 2 pkg canning lids – $1.86/each, total $3.72
  • 3 2-liters cherry coke (for the hubby) – $5

Total w/tax:  $22.35

I was feeling okay about this week, and then my husband decided to surprise me and take another shopping trip:

Trip 3:

  • 6 gallons milk – $2.65 each, total $15.87
  • 1 large pkg cat liter – $11.99

Total w/tax:  $29.16


Total for the week:  $76.72


That leaves us with $50 for the rest of the month.  Can we do it?  I don’t know.  We’ll see!

The bad news:  We’re way over budget so far this month.  I was not planning for that 3rd trip.

The good news:  I don’t think we need to stock up on anything else for the month.  We’ve got tons of cereal, snacks, frozen meat, and now milk available.





August Budget Challenge and Grocery Updates

How’s everyone doing on their budgeting?  I’m doing a great job of keeping track of everything, but I’ve already spent more on groceries than I would have liked this early in the month – doing a lot of stocking up for the school year.  I suppose it’s to be expected!

Here’s a rundown of our grocery purchases:

Shopping trip #1

  • 20 lbs boneless, skinless chicken tenders – $1.89/lb, total $35.80

  • 2.28 lbs red grapes – $1.39/lb, total $3.17

  • 2 avocados – $0.99 each, total $1.98

  • 2 red bell peppers – 2 for $1, total $1.00

  • 5.78 lbs bananas – $0.39/lb, total $2.25

  • 0.68 lb carrots – $0.89/lb, total $0.61

  • 1 lb strawberries – $1/lb , total $1.00

  • 2 12-pk toilet paper – $4.29 each ($0.36/roll), total $8.58

Shopping total w/tax:  $56.22


Shopping trip #2

  • 2 whole chickens – $1.09/lb, total $10.45

  • 2.12 lbs boneless pork ribs – $2.49/lb, total $5.28

  • 1-lb package frozen corn – $0.88

  • 1 half-gallon almond milk – $2.98

  • 1.17 lbs fresh ground almond butter – $6.94/lb, total $8.12

  • 2 lb package corn tortillas – $2.68

  • 2.56 lbs red apples – $0.98/lb, total $2.51

  • 0.35 lb broccoli – $0.98/lb, total $0.34

  • 1 cucumber – $0.58

  • 1/2 lb bananas (cause we ran out) – $0.52/lb, total $0.25

  • 1/4 lb unsweetened coconut – $3.06/lb, total $0.77

  • 1 lb organic baby arugula - $2.98

Shopping trip total w/tax:  $37.82

Total for both:  $94.04

The GOAL was to spend about $55/week, and as you can see, I went way over that.  We had the cash, of course, but it was meant to last longer.

The bad news:  I’m bummed out about the pork deal, but I was required to add pork back into my diet this week and didn’t have any on hand, so I had to buy what was available, and it was not on sale.  The almond milk is ridiculously priced, but it’s the only milk I’m allowed right now.

The good news:  I’m glad that we’ve got 20 lbs of chicken, although I worry it won’t last long, as we don’t have a lot of other meat in the freezer.  Yay for stocking up!  I was thrilled with the toilet paper deal as well, and kinda wish I’d had more cash on hand to buy a few more. :)  I’m also happy with the discovery of the $.39/lb bananas, since they are “older”.  I take the majority of the bananas I buy and freeze them for smoothies, so it works well!

The plan:  This week I’m planning on stocking up a little more, this time on cereals for the kids.  I’m not a huge fan of the “cereal for breakfast” thing, but with my work schedule change, along with my husband’s schedule change, I want to have a bunch of easy, quick breakfasts on hand to take at least one stress off the table.  After that, we should be good and not need to buy much of anything except fresh produce for the rest of the month.


How are YOU doing with your shopping so far?  Are you kicking my trash?  Ha ha, it wouldn’t take much this week! Here’s to a better week – starting today!

August Budget Challenge – Back to School Shopping Update

We’ve done a bit of back to school shopping  this week, and I promised to share:

Saturday we went yard sale shopping.  We went to a lot of different sales, but there were two in particular that felt like the jackpot!  I love a good deal. :)


  • I got 1 new pair of pants, 3 camisoles, and 2 new shirts, 1 (new with tags) bra, and a skirt.  I also got things not related to “back to school/work”, but I’m taking them out of the school budget anyway.  2 pairs of rubber cleaning gloves, 2 boxes of aluminum foil, 1 new Avon bubble bath bottle, 1 Bath & Body Works bath set, 1 bottle cleaning brush, 1 spool of ribbon, 2 rolls of scotch tape, 4 Ben-Gay pain bars, 4 sharpie markers, 1 decorative basket, 3 stackable paper holders, 1 indoor rug, 1 mattress cover, and an outdoor Christmas box decoration.  My total:  $11

  • My husband, who NEVER finds anything that fits, got 2 pairs of shoes, 1 (new with tags) pair of pants, and 5 shirts.  His total:  $11

  • Munchkin (11-year old daughter) got 1 camisole, 1 pair of shoes, 1 pair of boots, 2 pairs of earrings, 4 bottles of lotion, 1 purse, 1 Bath & Body bath set, 1 coat, 1 hair straightener, 3 shirts, and a candle.  Her total:  $8.50

  • Buddy Boy (7-year old son) got 2 pairs of shoes, 1 backpack, 3 shirts, 1 nightshirt, 1 coat, 1 small kitchen toy, 1 sandwich maker, and 1 large kitchen set.  His total:  $17

PicMonkey Collage1

Today we went to Dollar Tree.  We got 1 binder, 2 fashion folders, 2 t-shirts, 1 hair brush, 2 pk permanent markers, 3 pk fashion socks, and a 40 pk eraser tops.  Total:  $10

I feel like we’re doing pretty well with the back-to-school budget!  As I mentioned previously, the kids’ grandma took them shopping and got them each 2 new outfits.

Have you done any back-to-school shopping yet?

Special Diets on a Budget

As you have probably noticed, I am eating a “special” diet right now.  And by special, I mean that I’m NOT eating any of the following foods:

  • Dairy (including butter, cheese, yogurt, shortening, etc)
  • Eggs
  • Gluten (including wheat, oats, rye and barley)
  • Tomatoes (tomato sauces or anything else containing tomatoes)
  • Dehydrated Fruit
  • Rice, corn, potatoes
  • Alcohol
  • Coffee, black tea, and soda
  • Fruit juices
  • Iodized salt
  • Sugar and natural & artificial sweeteners (including honey, agave, coconut sugar, stevia)
  • Soy or any products containing soy
  • Peanuts
  • Beef, pork, shellfish, cold cuts, bacon, hot dogs, canned meat, sausage

ai_dietWhy?  I’m following an Anti-Inflammatory diet given to me by my holistic care doctor.  I’m currently on day 7 of this new diet, and I’ve found already that I’m not having to take my daily nap every day anymore.  I had 2 good days during this first week, and that’s more than I’d had in the previous month!  What a blessing.

It is, however, more expensive to eat this way….at least for me.  No matter how you look at it, sweet potatoes generally cost more than white potatoes.  Quinoa is WAY more expensive than rice.  It’s just how it is.

So, how do you eat a special diet on a budget?  Well, it’s something that I’m slowly figuring out, and I wanted to share what I’ve found so far with you:



  1. Shop the Sales (?)

This can be very hard when you are so limited in what you can eat.  For example, if you are allowed fresh veggies, but the veggies you are able to eat aren’t in season, well then what’s a girl to do?  Just this last week I went to pick up some bell peppers and the cheapest I could find them was $1.29 PER PEPPER.  Ridiculous!  So, I went without.  Instead, I ate other veggies that frankly, I’m not as fond of.  If you’re on a tight budget though, you’ll just have to learn to be less choosy (a lesson I’m currently learning).  Shop the sales.  It’s critical.

2.  Buy in bulk

indexBy “bulk”, I do not necessarily mean “buy a ton”.  Sure, Costco and other warehouse locations offer some great deals.  I’ve been very impressed with Costco’s selection of healthy foods.  The quinoa there is a great deal.  However, in addition to that type of shopping, try to shop the bulk sections at other stores – you know, when you bag your own stuff, tie it up and weigh it.  Winco is my favorite place to do that.  There are bulk bins at most health food stores as well, like Whole Foods and Sprouts.  That way, you’re not paying for the packaging.

3. Keep a price list

Oh my gosh, keep a price list.  If you find yourself trying new foods you’re not used to, I’m betting you’re not familiar with the average price for that food.  You’ll have NO idea if you’re getting a decent deal or not!  Ask friends and family what they pay, and when you make a purchase, write down the cost-per-ounce or pound and take that book with you when shopping future sales.  Know what a good deal looks like.

4.  Stick to the basics

I know.  It’s hard.  You want to try a new recipe because you are SO SICK of eating carrot sticks and baked chicken.  I feel you.  (really, I do.)  If your budget allows, try some new food ideas, but don’t plan a huge shopping spree to buy all new stuff.  What if you don’t like half of it?  It’ll go to waste, and you’ve lost that money.  Try a few new things at a time, and stick with the basic meals you already know for now.  As you slowly build up new recipes and items that you like, your menu will expand, but only do it as you can afford to.

5.  Give yourself an occasional break

Don’t expect that you’ll be perfect all the time.  When I first went gluten free, I refused to buy $5 frozen gf pizzas, because it would cost more money than making my own.  Then I would get a hankering for pizza and not have anything on hand, so I’d go out and spend $12 to get a freshly cooked one from a gf friendly restaurant.  If you have a weak spot and you know you’ll eventually cave, don’t be afraid to spend a little money buying some of those items pre-made and frozen.  If you truly have the time, then save even more $$ by pre-cooking and freezing some of your favorites.  Speaking of which…


I know life is busy, and not everyone will be able to do this.  If you have the time/energy, I’d highly suggest doing a freezer cooking session.  Make a double or triple batch of gluten free cookie dough, or of dairy free rolls, and freeze them.  Mix up a huge batch of turkey burgers, shape and freeze them.  This makes buying in bulk during the sales easier, and it makes your life a whole lot easier when you don’t feel you have time to make an involved meal.  If you don’t have an entire day to devote, you can do a mini 1-hour freezer cooking batch, like I do.

7. Stick with natural foods

10487226_10152495996751815_3535428456217654932_nAs much as possible, try to stick with foods that are naturally dairy free, or peanut free, or whatever your need may be.  Fresh fruits/veggies and unprocessed meats are generally allergen-safe (depending, of course, on the allergen you are avoiding).  Buying the gluten-free version of something generally is going to cost at least TWICE the money than it’s wheat-filled counterpart.  If you stick with the naturally safe foods, you’ll save.

I realize that not all of these tips will work for everyone.  Do what you can with what you can.  I’m sure there are a lot of other fantastic ideas.  Like I said, I’m new to this, and am still figuring things out.  I’ll happily share any other tips that I find as I go!  And hey, if you’ve got a great idea to save money on these types of meals, you’d better tell me! :)  Now let’s go save some moolah.

*Linked up at Thrifty Thursday!

Save Money: Lower Your Food Budget


I think one of the easiest ways for us to lower our household/family expenses is through food.  I may not be able to change the monthly cost of my mortgage, but I can actively make changes to my lifestyle to save money on food.


If you are looking to cut costs in your life, I’d suggest starting with food.  It’s one of the easiest things to adjust.  Of course, I’m not a financial adviser…just a mom on a tight budget!  Below are some things that have helped me to cut my grocery/food costs dramatically:



  • We eat a lot of rice, potatoes and dry beans.  Not very exciting, true, but you know what?  Those foods are all naturally gluten free, and having a severe gluten intolerance can be killer on the grocery budget, so we do what we’ve gotta do!


  • I grind my own rice flour.  Again, GF living can get expensive, so I grind whatever flours I can, and make my own flour blends to bake with.


  • Limit my meat purchases to $2/lb or less.



  • Buy fruits/veggies in season when they are cheapest.  We’ve been eating a LOT of apples and oranges lately.  Grapes, not so much.  Red peppers have been on sale for as little as 3 for $1, so we’ve been eating more of those.  Carrots and potatoes always seem to be decently priced year round, so we eat a lot of those.  As the weather warms we’ll be enjoying more strawberries, grapes, zucchini, and the like.


  • Grow a garden.  I’m not even close to being a master gardener, although it is an aspiration of mine.  Every year we grow peas, tomatoes, strawberries, peppers, carrots, cilantro, and zucchini.  We have apple, peach, cherry, and pear trees; grape vines, blackberry, raspberry, and bush cherry bushes.  We don’t always get a killer crop, but we happily take whatever we can get.  When we have excess, I break out the canner and we store our food.  We have fun making a year’s supply of salsa each summer, as well as applesauce, apple pie filling, and anything else we can think of!


  • Avoid pre-packaged processed food.  I know, $1 for a boxed pasta dinner seems tempting, but it’s really not cheaper than making your own, and making your own pasta and sauce is much healthier too!  Don’t pay for convenience if you don’t have to!


  • Shop the sales, and only the sales.  I don’t use coupons often, simply because with my dietary needs, there aren’t a ton of coupons that I can actually use.  That, and the fact that I work 2 part time jobs and don’t feel that I have the time.  I do shop the sales.  The three stores I shop at the most are Reams, Winco, and Sprouts.  Winco is great when I want to stock up on meat (they discount their meat every morning) and when I want to buy baking stuff and spices.  Their bulk section is incredible!  Sprouts is a health-food store that I shop at probably 2x a month.  Wednesdays they have their double ad day, which means the two weekly ads are overlapping and I can usually find twice the stuff on sale.  I typically only buy the produce at Sprouts…their deals can be awesome!  Reams has general low prices and is close by, so that is the store I shop at if I’m not going to the other two.


  • Have breakfast for dinner every week.  One of the most frugal, simple meals we make each week is breakfast:  homemade pancakes, homemade hash browns (not those expensive frozen packages), fruit, etc.  The kids always like it, and it’s affordable.


  • Eat leftovers!  We have a leftover dinner night each week, in which we eat any leftovers we have.  A lot of the time, we’ll put it together into a soup, but not always.  It helps us clean out the fridge, and keeps food from going to waste.  I also tend to eat a lot of leftovers for lunch.


  • Eat at home.  I mean it!  Brown bag it to work.  I actually don’t eat at work at all.  I work until 1 in the afternoon, so I just head straight home and eat my lunch (usually a smoothie or leftovers) then.  My husband simply takes a banana to eat for his lunch, and then “supplements” later when he gets home since he doesn’t like to take leftovers to work.  I confess I wasn’t really good at this one until I discovered my intolerance to gluten.  There aren’t as many options to “eat out” anymore, and so I just don’t do it.  We probably go out to eat once a month as a family.  But never more often than that, and it’s been really helpful to our budget.


  • Use “fillers” for your meatloaf.  I usually add more bread crumbs/oats/pureed beans to my meatloaf than the typical recipe calls for, simply because it gives me more food for my $$.


Those are just a few things we do in my household to keep monthly food costs down.  What works for me may not work for or apply to you, but I hope it jogs some ideas for you.  What are some ways you save on food?