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$200 February Food Budget Results

By Frugaling 36 Comments

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Food Budget Meals Salmon

My food and drink budget was broken

A couple months ago I would’ve been ashamed to show you my food and drink expenses. They were atmospheric. I’d regularly spend over $400, with the occasional $500 or $600 month here and there. It was my one budgetary weakness, but something moveable and malleable. I decided to aim right at it.

In January, both to celebrate the New Year and form a resolution, I decided to set my first hardcore food and drink budget. I wanted to reduce everything: eating out, eating in, drinking out, and drinking in. I wanted to get down to $200 for anything food or drink related. I wanted to prove it to myself, and feel the budgetary benefit; frankly, I needed this change.

As the month came to a close, I reflected on what had worked, what I bought, and how much I spent. I was over budget — big time. My expense tracker showed a glaring total: $362.69.

What I learned from last month

While I had significantly reduced my food and drink budget compared to prior months, I was bummed. Here I was, trying to shape up and save. Heck, I’m the guy who runs a site about frugality and simple living, and even I couldn’t reduce these expenses enough.

Despite overshooting my budget by about $160, January provided some important lessons.

First, go to the store and buy strategically.

If you constantly go to the store and are exposed to new stimuli and purchase options, you’ll spend more. Go when you need to and bring a solid list of must-haves — not wants. This lesson is harder for me to implement, and you’ll notice how many trips are made because of it. I tend to go whenever I can, as I carpool with friends to the store.

Second, reduce date expenditures and eating/drinking out.

I’m a single guy, and in January I went on a few too many dates. Both of these killed my budget, but when decreased, they’d be an opportunity to save in February.

Third, with dietary restrictions, look for common products before speciality options.

I don’t eat entirely gluten-free, but I’m low-FODMAP, which often means less gluten-laden products. In January, I bought gluten-free pretzels and other assorted products that were made to taste and feel like normal foods. Buying naturally gluten-free items would save me a lot.

February’s results are in — drumroll please!

February is the shortest month of the year. I only needed to stay at or below $200 this month for 28 days. As the days rolled on by, I could feel it, I was going to be close.

Day 1: $54.81 (Groceries for self and hosted a party)
Day 2: $0
Day 3: $0
Day 4: $37.53 (Groceries)
Day 5: $0
Day 6: $0
Day 7: $24.52 (Groceries)
Day 8: $0
Day 9: $5.57 (Groceries)
Day 10: $0
Day 11: $0
Day 12: $1.77 (ARGHH, SO HUNGRY! Clif Bar)
Day 13: $28.50 (Groceries)
Day 14: $33.79 (Groceries)
Day 15: $0
Day 16: $3.66 (Coffee drink)
Day 17: $10.47 (Groceries)
Day 18: $0
Day 19: $0
Day 20: $4.32 (Groceries)
Day 21: $0
Day 22: $0
Day 23: $0
Day 24: $0
Day 25: $0
Day 26: $7 (Groceries)
Day 27: $0
Day 28: $0

Today, I’m happy to report I spent only $211.94! While that’s about $12 over the intended budget, I could not be more content. Woo!

Over the last couple years, I’ve cheated and procrastinated away thousands of dollars in food and drink expenses. I’ve rationalized the spending every time (“Oh, my week is difficult, I’m tired, and need some food.”).

Looking at the past, with $400-600 months of spending, I feel guilty and saddened. I was trying to save and build a better future, but one of the weakest parts of my budget stayed untrained. I was spending too much, and needed to do more than admit it — I needed to share it with you all.

Important strategies going forward

1. Get creative with social opportunities

Don’t be afraid to host and create social gatherings! Bring on the friendships — these are too important to miss out. Instead of going out on the town, stay in-house and when possible, make them potlucks. Likewise, game nights and good ol’ conversation doesn’t cost a thing.

2. Bring protein-heavy snacks to reduce cravings in a pinch

This particular strategy was vital to my success this month. If you don’t like protein powder, then I’m sorry, this tip doesn’t apply. For me, it’s a terrific mood and nutrient source. Protein makes you feel fuller, longer. By having dry powder on hand — ready to mix — I was able to stave off cravings, which could’ve led to outsized spending. Nowadays, I carry it nearly everywhere I go.

3. Intentionally cook and plan for leftovers

In past months, I’ve opted to cook for a single sitting. I totally exploded this mindset, and made more than enough every time. The extras went into tupperware to go. Lunches were constantly pre-planned and packed the night before. It made procrastination a difficult excuse, as it was too easy to cook more than enough.

4. Living simply means cooking simply

These days I’m living simply. I don’t have a car, rarely travel, and run to and from work. I’m trying to live within my means. But even greater, I’m trying to embrace these moments. This simple living includes basic meals. I’m not cooking anything fancy or with exotic ingredients — just wholesome, healthy foods. My tummy and budget love it!

5. Wealth can actually help decrease food budgets

Buying in bulk, storing foods, and planning for the store are all privileges. As a commenter noted in January, those in poverty and/or forced to stick strictly to $200 for one month would have it more difficult. I was able to buy more than enough every time, and the average month-to-month allows me to save more money. This is yet another example of how wealth and space can provide unique advantages.

This March I’ll be continuing the $200 food budget, and I’d love for you to join me again! The adventure begins today. Who’s with me?

Filed Under: Save Money Tagged With: Budget, Food, groceries, market, Monthly, Shopping, Store

Frugal Articles of the Week

By Frugaling Leave a Comment

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Every week I like to feature a few frugal articles that caught my eyes. Curl up in your favorite reading nook and enjoy. Hopefully these encourage you to live frugal lives!

Nine hard-won lessons about money and investing by Matt Cutts
Those of you in the personal finance, minimalism, and frugality worlds might not know his name, but Matt Cutts is a legend. He started working for Google in the early days, and became a master of spam — decimating it everywhere from email to search results. In his “spare time,” he manages a blog about various topics. In this article, Matt outlines a step-by-step action plan for saving and investing money. Rather than linking to affiliate companies and profiting off his suggestions, he gives honest advice.

Americans are having more trouble paying off their student debt than their houses by Danielle Paquette
The headline nearly says it all, but the statistics will surprise you. Student loan debt is surging, as many struggle to find good paying jobs in their field of study. Student loans are greater than credit debt and mortgages, too. It’s scary to be a student these days.

We are wealthy. And why it matters by Joshua Becker
Wealth is a funny concept. Hardly anyone thinks they’re rich, and few recognize the vast privileges they have already — regardless of comparisons to wealthy elite. Joshua beautifully captures the importance of keeping perspective in this article.

Alice Gregory on Finding a Uniform by Alice Gregory
This young writer talks about her journey to find a uniform of sorts. The big difference is that this isn’t about business; rather, it’s for comfort, style, and savings. Alice explains how her “uniform” works for nearly every occasion and rids her of unnecessary distraction throughout the day. Awesome article and idea!

Filed Under: Save Money Tagged With: articles, Clothes, Clothing, Frugal, investing, News, Reading, student debt, uniform, Wealth, week

Do You Care What I Wear?

By Frugaling 28 Comments

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Do You Care What I Wear? Society places inherent value on what we wear every day. But is anyone paying attention if I wear the same thing?!

The first time I “dressed up”

It was the homecoming dance in my freshman year of high school. There, I learned that dressing nicely would beget compliments; a simple conclusion, that would shape my purchases going forward.

Before that dance, I was a t-shirt, hoodie, and jeans guy. Afterwards, almost overnight, I embraced layers and logos. I lobbied my parents to pay for Abercrombie & Fitch, Hollister, Gap, and anything that my high school brain felt was “cool.” The bills stacked up… for them.

Increasingly, I loved bold colors and designs – embracing pinks and purples despite social stigmas. The compliments flowed from nearly everyone around me. Many of the opposite sex encouraged me, and noted my changed wardrobe.

The “dapper” dresser

It’s now about 12 years from that fateful moment. As I aged, my tastes changed and I discovered H&M, Express, and Macy’s. And yet, for years, I was on this prescribed rat race to look better, fresher, and wealthier.

The latter was a powerful realization over the years. Quite simply, our culture aligns clothing style and brand with power, money, and achievement – regardless of reality. The better I dressed, the more others noticed.

Imagine being in a bar or club and seeing someone in a ragged t-shirt, overgrown beard, and faint body odor smell. You’d assume that individual is from a low-income level. Trim the scruff, polish the shoes, and button up that shirt, and that same person becomes a successful businessman.

Minimizing my closet and loving it

Over the last two years, my clothing purchases have slowed. And nowadays, I don’t have a clothing budget. I rarely buy anything. I’d rather put my hard earned money in future savings and investments.

Since my frugal journey started, I’ve sold clothes, donated, and taken great care of what I currently have. The clothing that I currently have is important to me; not because I’m worried about it getting damaged, but because I don’t need anything more. My wardrobe is “complete.”

Generally, my day-to-day wardrobe consists of casual-formal clothing that’s appropriate for a work environment. The important part is that it needs to be flexible and comfortable, as I run in the clothes from school to work and back. My wardrobe does just that.

A wardrobe worth repeating

Through laziness and busyness, I was pushed to simplify my workday wardrobe. In these colder winter months, I’ve opted for more sweaters and colored jean/slacks. Still, I tried to vary what I was wearing… until recently.

These days I’m opting for a more efficient wardrobe: grabbing yesterday’s clothing. It’s not like I do this every day, but I’ve grown more accepting of uniformity in my outfits. The creative, “dapper” dressing is more frequently reserved for weekends.

After reading this article, some might be inclined to suggest that I’ve let myself go. Maybe, but I’m learning something in the process. As I’ve shifted to this repetitive wardrobe, I expected people to notice, complain, and/or question my decision. Last week I wore the same pants 4 days in a row and a sweater 3 days during the week. Nobody noticed (or mentioned it). Nobody!

Expanding the experiment to one year

There’s a sexist double-standard about clothing: men can wear nearly anything and women are carefully criticized. If a woman were to wear the same group of clothes or article repeatedly, they’d be questioned. Largely, men are overlooked and free to wear abominable outfits.

One world where women are constantly criticized is television. The on-air anchors and talent can be harangued for wearing the wrong designer, looking unfashionable, etc. Meanwhile, men are free to wear whatever, again and again and again – without critique.

Karl Stefanovic did just that. This broadcaster from Australia decided he would wear the same suit every day for a year in solidarity with his fellow female co-host. Nobody noticed.

Benefits of embracing a minimal, repetitive wardrobe

My high school and college days were fraught with an insecurity that prompted me to spend. I was desperate to fit in enough, and stand out with my wardrobe. I wanted people to notice me; to be unique enough, but not alone. My wallet suffered over the last 12 years.

Now, as I’ve slowed my purchases and become more minimalistic, I’ve learned some important takeaways.

1. Buy what you love, sparingly

Fundamentally, I’m buying less than ever. I don’t peruse catalogs, storefronts, or websites for the “latest” trends, designs, and brands. By avoiding these outlets that subtly market their latest styles, I don’t have the same urge to buy.

When I do find something, another item must be ready to depart. I’m no longer interested in amassing clothing. Everything must be functional, practical, affordable, and regularly worn. Otherwise, it’s just a waste of space.

I’m not advocating for people to embrace naturism or 1984-like uniformity. Buy what you love, but do it minimally. When you do decide to pull the trigger, make sure it’s something that will stand the test of time (from trend and wear).

2. Sexism, classism, and other cultural norms

I was chatting with a graduate student about his job. He mentioned that he has to wear a suit and tie once a week for business meetings. If I wore a suit and tie to my work, I’d be laughed out of the homeless shelter and/or never receive clients. Dress reflects a microcosm of culture, and portrays an intention. This aspect isn’t — by itself — a bad thing.

Although, clothing choices often become a point of criticism. What we wear can sometimes contribute and perpetuate a classist and sexist society that expects men and women to look certain ways.

Let’s buck these cultural norms that become expectations, prejudicial boxes, and prevent acceptance. Diversity should be embraced.

3. The efficiency chosen by experts

This last week I felt a freeing sensation that comes with efficiency. We are regularly flooded with choices throughout our day. What should I pack for lunch? Should I cut my toe nails? Which shirt and pants should I wear? Heck, look at the toothpaste and shampoo aisles! Try to find your one favorite.

The fewer extraneous choices made, the more we can focus on what’s important. I felt that by wearing the same thing. Just look at two terrific examples: Steve Jobs and Mark Zuckerberg.

Steve Jobs would constantly wear a “uniform” of sorts. He wore a black turtleneck, blue jeans, and some sort of tennis shoe. He drank SmartWater on stage — nearly every time. His life worked through routines; yet, it allowed for creativity where it mattered.

Mark Zuckerberg isn’t as repetitive as Jobs was, but he does tend to embrace a more casual style of t-shirts and hoodies. As one of the richest people in the world, he can do whatever he wants. He can set his own wardrobe expectations.

With both men, they minimize the time and cost of more fanciful clothing. It’s clear that focusing on what’s comfortable made them more capable. Additionally, that they could save time every morning throwing on what they know.

Filed Under: Minimalism, Save Money Tagged With: Clothes, Clothing, fashion, logos, minimal, Minimalism, trends, Wardrobe, wear

Frugal Articles of the Week

By Frugaling 2 Comments

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Reading Nook Photo

Every week I like to feature a few frugal articles that caught my eyes. Curl up in your favorite reading nook and enjoy. Hopefully these encourage you to live frugal lives!

Crank the heat of wear a sweater? by Brian Morelli
Over the last two days, I experienced some nasty cold weather here in Iowa. The lows were scary. Considering wind chill, it was getting down to below 20/30 degrees! As winter drags on, it’s important to think about how you can save energy and reduce fossil fuel use. The simplest option is often best: put on extra layers.

The early retirement / financial freedom spreadsheet by J. Money
Are you looking to leave the rat race and retire early? You’re going to want to read J. Money’s guide first! Early retirees need to think about how much they’ll have over time, and what they’ll need to withdraw each year to sustain themselves. J introduces some important rules before you take the plunge! A must-read.

Hidden advantages of savings accounts by William Cowie
Ah, the trusty savings account! Pretty boring, right? In this low-interest time, savings accounts have gotten a bad rap. This article lays out some tried and true reasons why everyone should embrace the trusty savings account.

The Gender Gap in investing needs to go by Kate Dore
Last, but certainly not least, is an article from one of my favorite personal finance writers. In her latest post, she details the many reasons why the Gender Gap in investments is a serious problem for everyone. From stats about financial knowledge/literacy to information about how to change that, Kate is an awesome example!

Filed Under: Save Money Tagged With: articles, Clothing, Financial, Frugal, gender gap, heat, Retirement, savings accounts, weather, week

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