What is the number one (or two) thing you do to save money?

Anonymous
We don't save money by cutting back. But if we did, I know what we'd do:

* Cut waaaay back on eating out.

* Mom makes dinner, not Dad (who buys expensivo ingredients).

I guess by default we save money by not spending much on clothes (I'm not a fashion maven, neither is my hubs -- we cart over-the-shoulder waterproof backpacks, not leather purses with bling-bling).
Anonymous
Anonymous wrote:
Anonymous wrote:12:19 I am the OP, but we do most of our meals based on beans to save cash, so our mean plan may not be up your ally. But for what it's worth, here it is (all dinners for weeknights can be made in 30 min or less and our grocery budget is $130 a week for a family of three):

Note that beans are always made in a crock pot Sunday night and almost always seasoned and cooked in at least some broth. I just adapted this from our meal planner so sorry if it doesn't all make sense.

Week 1: black beans
Mon:
Breakfast: cereal and bananas (+ yogurt for DS)
Lunch: black bean burrito, fruit, raw veggie
Dinner: southwest shrimp/fish (whatever's on sale) salad with black beans

Tues:
breakfast: black beans, eggs, avocado, salsa, toast
lunch:hummus sandwiches, string cheese, fruit, raw veggie
Dinner: black bean, frozen spinach, and cheese enchiladas (jarred enchilada sauce)

Wed
breakfast: cereal and bananas (+ yogurt for DS)
Lunch: black bean burrito, fruit, raw veggie
Dinner: black bean soup made with remaining black beans, topped with salsa, yogurt, and cheese

Thurs:
breakfast: eggs, toast, vegetarian sausage
lunch: leftover black bean soup
Dinner: Cheese, frozen spinach, and chicken quesadillas with "dip" made from yogurt, salsa, and last bit of black bean soup

Fri:
breakfast: cream of wheat (mix pnut butter and banana into DS's)
lunch: pb&J, yogurt, raw veggie, fruit
Dinner: "southwest" veggie burgers (with salsa, avocado, and cheese), tortilla chips

Sat:
Breakfast: omelets and fruit
lunch: sandwiches (whatever people want) and veggies
dinner: take out or whatever is in the fridge (no plan)

Sunday:
Breakfast: granola bars and yogurt
Lunch: tomato soup & grilled cheese
Dinner: Roast chicken with potatoes and carrots, rolls

Week 2: White Beans
Mon:
Breakfast: cereal and bananas (+ yogurt for DS)
Lunch: hummus sandwiches, yogurt, applesauce, veggie
Dinner: lemony shrimp with white beans and couscous

Tues:
breakfast: eggs, frozen waffles, maple yogurt "dip"
lunch: leftover shrimp dinner
Dinner: Rosemary white beans and chicken sausage with pre-washed greens

Wed
breakfast: cereal and bananas (+ yogurt for DS)
Lunch: pb&J, yogurt, raw veggie, fruit
Dinner: White Chicken Chili (crockpot) and cornbread muffins (boxed mix)

Thurs:
breakfast: eggs, toast, vegetarian sausage
lunch: leftover chicken chili & cornbread
Dinner: sliced steak, white beans, and cherry tomatoes saute with chili seasoning

Fri:
breakfast: cream of wheat (mix pnut butter and banana into DS's)
lunch: leftover chicken chili and fruit
Dinner: vegetarian Chicken Nuggets with peas and TJ's frozen mashed potatoes

Sat:
Breakfast: waffles and fruit
lunch: sandwiches (whatever people want) and veggies
dinner: take out or whatever is in the fridge (no plan)

Sunday:
Breakfast: granola bars and yogurt
Lunch: canned lentil soup & grilled cheese
Dinner: Leg of lamb with lemony potatoes and salad

Week 3: Pinto Beans
Mon:
Breakfast: cereal and bananas (+ yogurt for DS)
Lunch: burrito, raw veggie, fruit
Dinner: beans, rice, greens

Tues:
breakfast: eggs, beans, salsa, avocado
lunch: pb&j, yogurt, fruit, veggie
Dinner: soft tacos with refried beans (ours) and regular toppings

Wed
breakfast: cereal and bananas (+ yogurt for DS)
Lunch: burrito, raw veggie, fruit
Dinner: Turkey pinto bean chili (crockpot) with cheddar biscuits (we put veggies in the chili and use up the rest of the beans)

Thurs:
breakfast: eggs, toast, vegetarian sausage
lunch: leftover chili & fruit
Dinner: salad with shrimp/fish

Fri:
breakfast: cream of wheat (mix pnut butter and banana into DS's)
lunch: leftover chili and tortilla chips
Dinner: veggie burgers with tomatoes, lettuce, and onion and frozen sweet potato fries

Sat:
Breakfast: pancakes and eggs
lunch: sandwiches (whatever people want) and veggies
dinner: take out or whatever is in the fridge (no plan)

Sunday:
Breakfast: granola bars and yogurt
Lunch: chicken noodle soup & grilled cheese
Dinner: Grilled Steak, corn, baked potato

Week 4: Chick Peas
Mon:
Breakfast: cereal and bananas (+ yogurt for DS)
Lunch: hummus sandwiches (made from chickpeas), raw veggie, fruit, yogurt
Dinner: greek shrimp/fish salad with chickpeas

Tues:
breakfast: frozen waffles, eggs, fruit
lunch: hummus, pita, olives, veggies for dipping
Dinner:

Wed:
breakfast: cereal and bananas (+ yogurt for DS)
Lunch: pb & J, yogurt, fruit, veggie
Dinner: Chickpea, vegetable, noodle soup (Bittman), garlic bread

Thurs:
breakfast: eggs, toast, vegetarian sausage
lunch: leftover soup, fruit, bread
Dinner: Indian chicken, chickpea, vegetable curry with rice

Fri:
breakfast: cream of wheat (mix pnut butter and banana into DS's)
lunch: hummus sandwiches, yogurt, raw veggie, fruit
Dinner: frozen pizza and salad

Sat:
Breakfast: banana pancakes and bacon
lunch: sandwiches (whatever people want) and veggies
dinner: take out or whatever is in the fridge (no plan)

Sunday:
post church brunch (last Sunday of the month)
Dinner: fridge clean out casserole w/ salad




Disgusting!


There is someone ou there who finds unprocessed food revolting...I posted a recipe for mujadarrah awhile ago (rice and lentils with caramelized onions) and someone immediately posted that she could never eat "that muck." That menu looks good!
Anonymous
Anonymous wrote:12:19 I am the OP, but we do most of our meals based on beans to save cash, so our mean plan may not be up your ally. But for what it's worth, here it is (all dinners for weeknights can be made in 30 min or less and our grocery budget is $130 a week for a family of three):

Note that beans are always made in a crock pot Sunday night and almost always seasoned and cooked in at least some broth. I just adapted this from our meal planner so sorry if it doesn't all make sense.

Week 1: black beans
Mon:
Breakfast: cereal and bananas (+ yogurt for DS)
Lunch: black bean burrito, fruit, raw veggie
Dinner: southwest shrimp/fish (whatever's on sale) salad with black beans

Tues:
breakfast: black beans, eggs, avocado, salsa, toast
lunch:hummus sandwiches, string cheese, fruit, raw veggie
Dinner: black bean, frozen spinach, and cheese enchiladas (jarred enchilada sauce)

Wed
breakfast: cereal and bananas (+ yogurt for DS)
Lunch: black bean burrito, fruit, raw veggie
Dinner: black bean soup made with remaining black beans, topped with salsa, yogurt, and cheese

Thurs:
breakfast: eggs, toast, vegetarian sausage
lunch: leftover black bean soup
Dinner: Cheese, frozen spinach, and chicken quesadillas with "dip" made from yogurt, salsa, and last bit of black bean soup

Fri:
breakfast: cream of wheat (mix pnut butter and banana into DS's)
lunch: pb&J, yogurt, raw veggie, fruit
Dinner: "southwest" veggie burgers (with salsa, avocado, and cheese), tortilla chips

Sat:
Breakfast: omelets and fruit
lunch: sandwiches (whatever people want) and veggies
dinner: take out or whatever is in the fridge (no plan)

Sunday:
Breakfast: granola bars and yogurt
Lunch: tomato soup & grilled cheese
Dinner: Roast chicken with potatoes and carrots, rolls

Week 2: White Beans
Mon:
Breakfast: cereal and bananas (+ yogurt for DS)
Lunch: hummus sandwiches, yogurt, applesauce, veggie
Dinner: lemony shrimp with white beans and couscous

Tues:
breakfast: eggs, frozen waffles, maple yogurt "dip"
lunch: leftover shrimp dinner
Dinner: Rosemary white beans and chicken sausage with pre-washed greens

Wed
breakfast: cereal and bananas (+ yogurt for DS)
Lunch: pb&J, yogurt, raw veggie, fruit
Dinner: White Chicken Chili (crockpot) and cornbread muffins (boxed mix)

Thurs:
breakfast: eggs, toast, vegetarian sausage
lunch: leftover chicken chili & cornbread
Dinner: sliced steak, white beans, and cherry tomatoes saute with chili seasoning

Fri:
breakfast: cream of wheat (mix pnut butter and banana into DS's)
lunch: leftover chicken chili and fruit
Dinner: vegetarian Chicken Nuggets with peas and TJ's frozen mashed potatoes

Sat:
Breakfast: waffles and fruit
lunch: sandwiches (whatever people want) and veggies
dinner: take out or whatever is in the fridge (no plan)

Sunday:
Breakfast: granola bars and yogurt
Lunch: canned lentil soup & grilled cheese
Dinner: Leg of lamb with lemony potatoes and salad

Week 3: Pinto Beans
Mon:
Breakfast: cereal and bananas (+ yogurt for DS)
Lunch: burrito, raw veggie, fruit
Dinner: beans, rice, greens

Tues:
breakfast: eggs, beans, salsa, avocado
lunch: pb&j, yogurt, fruit, veggie
Dinner: soft tacos with refried beans (ours) and regular toppings

Wed
breakfast: cereal and bananas (+ yogurt for DS)
Lunch: burrito, raw veggie, fruit
Dinner: Turkey pinto bean chili (crockpot) with cheddar biscuits (we put veggies in the chili and use up the rest of the beans)

Thurs:
breakfast: eggs, toast, vegetarian sausage
lunch: leftover chili & fruit
Dinner: salad with shrimp/fish

Fri:
breakfast: cream of wheat (mix pnut butter and banana into DS's)
lunch: leftover chili and tortilla chips
Dinner: veggie burgers with tomatoes, lettuce, and onion and frozen sweet potato fries

Sat:
Breakfast: pancakes and eggs
lunch: sandwiches (whatever people want) and veggies
dinner: take out or whatever is in the fridge (no plan)

Sunday:
Breakfast: granola bars and yogurt
Lunch: chicken noodle soup & grilled cheese
Dinner: Grilled Steak, corn, baked potato

Week 4: Chick Peas
Mon:
Breakfast: cereal and bananas (+ yogurt for DS)
Lunch: hummus sandwiches (made from chickpeas), raw veggie, fruit, yogurt
Dinner: greek shrimp/fish salad with chickpeas

Tues:
breakfast: frozen waffles, eggs, fruit
lunch: hummus, pita, olives, veggies for dipping
Dinner:

Wed:
breakfast: cereal and bananas (+ yogurt for DS)
Lunch: pb & J, yogurt, fruit, veggie
Dinner: Chickpea, vegetable, noodle soup (Bittman), garlic bread

Thurs:
breakfast: eggs, toast, vegetarian sausage
lunch: leftover soup, fruit, bread
Dinner: Indian chicken, chickpea, vegetable curry with rice

Fri:
breakfast: cream of wheat (mix pnut butter and banana into DS's)
lunch: hummus sandwiches, yogurt, raw veggie, fruit
Dinner: frozen pizza and salad

Sat:
Breakfast: banana pancakes and bacon
lunch: sandwiches (whatever people want) and veggies
dinner: take out or whatever is in the fridge (no plan)

Sunday:
post church brunch (last Sunday of the month)
Dinner: fridge clean out casserole w/ salad



I'm not sure I could stomach that many consecutive days of beans but I think you are super impressive and creative!! And you eat much better (healthier) than we do (and I'd venture to say than most readers of this site do). You rock!
Anonymous
To the bean menu poster - can you also post your crockpot recipie for the beans - do you use dried beans and how much? I'd like to try this myself - it is very creative but I would probably add a little meat too.
Anonymous
7:38, we usually do a pound and a half of beans. Usually we cover them in water and stock (sometimes dehydrated, sometimes homemade, and if there's a sale, sometimes boxed). It totally depends on what you like in beans, but usually we add at least some of the following:
bay leaf, garlic (fresh or powdered), onion (usually fresh, but powdered would work), dried oregano, liquid smoke, chili powder, paprika. For the chickpeas, we usually only do stock, bay leaf, and garlic because we make it into hummus and too much flavor would make for a funky hummus.

I know it sounds like a ton of beans, but really, they are often just helping fill out the meals to cut down on other ingredients. Like the spinach, cheese, and black bean enchiladas need less cheese and only 1/2 package of frozen spinach - making it healthier and cheaper, but it's not totally beans in there.

And yes, I agree more meat is more delicious. You can easily bump the meat in these and still have a healthy and cheaper list.
Anonymous
Anonymous wrote:Got rid of cable and Netflix. Never had the time to watch much anyway, now we just stick with Hulu (free) and books from the library.

Making lunch 4 out of 5 days per week.

Meal planning for dinner for the entire month in advance. Makes it easier to grocery shop, and we're less likely to eat out.

Now, working on spending less at Starbucks. Not sure why that's been so difficult. Ugh.


http://www.amazon.com/gp/product/B000F49XXG

Bought this - and haven't bought a latte or iced mocha in 3 weeks - its pump driven, so it approximates the quality of a $500 machine, but only for $80. We did have to watch a bunch of youtube videos on properly foaming the milk to make good lattes - the first few kind of sucked until we did that. DH and I figured we only needed to make $23 lattes or so to justify the cost. It is lifechanging!
Anonymous
Anonymous wrote:I don't know what 15:05 is talking about. Not enough fast food or Cheetos for ya? Looks good to me. I may incorporate some meat - just in my preference. Thanks!!


Espresso maker poster here- the bean menu looks AMAZING. I am going to try it!
Anonymous
Aimee4 wrote:Got rid of cable. It was running us close to $200/month for cable & internet. Now we only have internet ($40/month) with Roku using Netflix and Hulu ($17/month).
We also opt to have money go directly to our savings account, and money automatically to kids college funds.
We got out of the habit of making lunches... but I think I need to get in the habit again.


We do the same two things (no cable and automatic transfer of $$ to savings and college funds) - and it made a dramatic impact just in our overall sense of seeing our savings increase - without really feeling a pinch.

That cable bill adds up fast, doesn't it? Also: drop your land line.
Get rid of extras on a cell phone plan, including no iPhones or data/messaging plans.
Anonymous
Sign up for Six O'Clock Scramble meal planning service. Owner is a local mom and it's been awesome. Grocery list creates based on meals chosen and all meals I make are healthy and delicious!
Anonymous
Anonymous wrote:
Anonymous wrote:Got rid of cable and Netflix. Never had the time to watch much anyway, now we just stick with Hulu (free) and books from the library.

Making lunch 4 out of 5 days per week.

Meal planning for dinner for the entire month in advance. Makes it easier to grocery shop, and we're less likely to eat out.

Now, working on spending less at Starbucks. Not sure why that's been so difficult. Ugh.


http://www.amazon.com/gp/product/B000F49XXG

Bought this - and haven't bought a latte or iced mocha in 3 weeks - its pump driven, so it approximates the quality of a $500 machine, but only for $80. We did have to watch a bunch of youtube videos on properly foaming the milk to make good lattes - the first few kind of sucked until we did that. DH and I figured we only needed to make $23 lattes or so to justify the cost. It is lifechanging!


I could never buy that. If I figured out how to make Starbucks drinks at home, I would never have an excuse to leave the house and there would be no incentive to get errands done

Anonymous
I am surprised there is a debate about whether cutting back on WF is. We have no needs or plans to save more $$ as i have a very high salary but I still don't shop at WF. It offends me every time I go in there it is so expensive. HT, Safeway or Trader joes all the way
Anonymous
At the end of my cox contract, I am tell cox to eff off with the cable on 2 TVs. I am keeping it for one. We will do Roku or Apple TV on those. I am having trouble deciding which one though. I hear that Roku is better, but I think the Apple TV interface is better. If I could stream live sports on either, I would get rid of cable on all 3 TVs.

I am also dumping my land line very soon. Between the 2, I will save at least $100 per month.

We are currently not grocery shopping for anymore protein until we finish eating every last piece of frozen meat in the freezer. And I am working on using all the items in my pantry that just sit there.

I am DIYing some furniture redos on some thrift store finds. Like a $35 solid wood night stand for my daughter's room. I will also be DIYing her curtains with some stitch witchery. I figure I will save hundreds.
Anonymous
16:03 I think it depends on what you're buying. If you are buying organic produce etc. then you don't really save any money by going to HT or TJs.
Anonymous
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:Got rid of cable and Netflix. Never had the time to watch much anyway, now we just stick with Hulu (free) and books from the library.

Making lunch 4 out of 5 days per week.

Meal planning for dinner for the entire month in advance. Makes it easier to grocery shop, and we're less likely to eat out.

Now, working on spending less at Starbucks. Not sure why that's been so difficult. Ugh.


http://www.amazon.com/gp/product/B000F49XXG

Bought this - and haven't bought a latte or iced mocha in 3 weeks - its pump driven, so it approximates the quality of a $500 machine, but only for $80. We did have to watch a bunch of youtube videos on properly foaming the milk to make good lattes - the first few kind of sucked until we did that. DH and I figured we only needed to make $23 lattes or so to justify the cost. It is lifechanging!


I could never buy that. If I figured out how to make Starbucks drinks at home, I would never have an excuse to leave the house and there would be no incentive to get errands done



I'm the poster working on limiting Starbucks. I have a hard time with the hot lattes, but I found this recipe on YouTube for Iced Lattes, and it comes out really good! I actually like it better because I can make it less sweet than what comes from SB. I bought one of their reusable iced, plastic cups, and use the SB Via packets.

http://www.youtube.com/watch?v=uITN58kXRSs&playnext=1&list=PL081E6B0ADCF8DBA5
Anonymous
Anonymous wrote:I am surprised there is a debate about whether cutting back on WF is. We have no needs or plans to save more $$ as i have a very high salary but I still don't shop at WF. It offends me every time I go in there it is so expensive. HT, Safeway or Trader joes all the way


It is all about convenience for me. The Trader Joe's closet to me is small and has limited selection, not even sure where a Harris Teeter is around me. WF is very near where I run other errands on the weekend so I usually go there for any chicken or meat we need, sometimes sea food, and a few other things I like. But I am surprised that Giant where we do the bulk of our shopping is starting to get really competitive with WF on a lot of products I used to depend on WF for. And now that's farmer's market season I'll probably be going there less.
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