Anonymous wrote:Anonymous wrote:Is it just me or does 2k not seem that outrageous? Say each partner has lunch and coffee out each day ($500) they do one date night per weekend ($400) one meal out per week ($400) and one take out night per week($100), and a weekly grocery trip where alcohol is also purchased ($600).
You go on $400 dates every week?![]()
Anonymous wrote:Is it just me or does 2k not seem that outrageous? Say each partner has lunch and coffee out each day ($500) they do one date night per weekend ($400) one meal out per week ($400) and one take out night per week($100), and a weekly grocery trip where alcohol is also purchased ($600).
Anonymous wrote:OP here: Thanks for the encouragement. I've done some deeper analysis of our food/dining budget, thanks to Mint, and made some alarming discoveries. Over the past 12 months, here's the breakdown of that $2000/month:
Groceries: 42%
Restaurants & Carryout: 25%
Lunch, Coffee & Snacks: 20%
Alcohol & Bars: 13%
It seems I'm better at tracking and trending our expenses than changing our dysfunctional spending behavior. Based on this research, and the suggestions offered above, my first step will be to make a science of meal planning with the goal of packing lunch at least 3 days per week for DH and myself. I already pack DC's lunch. By doing so, I will have made more dinners at home too.
Did I mention I hate to cook and meal plan? But I will enlist DH to help - he certainly has lots of opinions about what I makeAnd I will buy him a cool lunch box without flowers or polka dots.
Thank you!!!
Anonymous wrote:OP here: Thanks for the encouragement. I've done some deeper analysis of our food/dining budget, thanks to Mint, and made some alarming discoveries. Over the past 12 months, here's the breakdown of that $2000/month:
Groceries: 42%
Restaurants & Carryout: 25%
Lunch, Coffee & Snacks: 20%
Alcohol & Bars: 13%
It seems I'm better at tracking and trending our expenses than changing our dysfunctional spending behavior. Based on this research, and the suggestions offered above, my first step will be to make a science of meal planning with the goal of packing lunch at least 3 days per week for DH and myself. I already pack DC's lunch. By doing so, I will have made more dinners at home too.
Did I mention I hate to cook and meal plan? But I will enlist DH to help - he certainly has lots of opinions about what I makeAnd I will buy him a cool lunch box without flowers or polka dots.
Thank you!!!
Anonymous wrote:Good for you, OP.
In addition to meal planning, Come up with a few meals that you always have on hand so you can still make dinner at home when things get off track. We can always pull out beans and rice or toss an easy quiche into the oven. Breakfast for dinner! When I make spaghetti and meatballs, I always make extra meatballs to freeze. Same with chili and any leftover taco meat. (Those are quick to defrost.)
If you’re a Costco shopper, buy a bag of their frozen salmon. It defrosts in 30 minutes and cooks in 8. Add a vegetable or salad and you have a meal!
And I will buy him a cool lunch box without flowers or polka dots.
Anonymous wrote:OP here and I am so grateful for the suggestions and reality check.
Yes, I agree that meal planning and discipline regarding restaurants and carryout would make all the difference. Our grocery bills are reasonable, mostly from Trader Joes and Safeway. We make coffee and drink wine and beer at home, mostly. We could certainly drink less, but I don't think that's the problem. For us, eating out is entertainment (we don't take fancy vacations, go to movies, etc.) Carryout is the result of poor planning - it seems every mealtime is a surprise. Lunches out at work is escape for my DH and laziness for me. Beers out once a week is social for DH.
But I am ready to change, and I think DH is ready too. Our HHI is around $200K. We are on track for retirement and college savings. We own a rental property that is cash positive. DC is in public school with tutoring and lots of extracurricular expenses. We have no school debt and drive very old cars. We don't spend much on clothes or toys. We do like to spend money fixing up our old house.
But our greatest need right now is to build an emergency fund so we are not living at our edge month to month. I know we have the power to change our behavior, but have struggled with willpower. I guess it's time to grow up and become responsible adults.