Budget Tips, Food, No Spend Month Tips

How This Single, Millennial Spends Less than $200 a Month on Groceries!

Saving money on food can be one of the hardest things sometimes! I mean, you need it to survive, right? I have done good about keeping my grocery budget under $150 a month! Here are a few of my tips on how to keep your grocery budget low!

I recently posted a picture of my budget on Instagram and I have been talking about my No Spend Month Budget a lot lately. My grocery budget for the month is usually about $150-200 a month! A ton of people have asked me how it is possible. During my No Spend Months, I often cut it down to $100. I will start by saying that I do not fall into “organic” traps. I don’t have any special dietary needs and I haven’t cut any major food groups out of my diet. While I think there is a healthy balance of proteins, fats, and carbs, I also think that life is far too short to deny yourself of anything you want. Your body is also designed to run off of all three macros. That being said, I am not a nutritionist, so you don’t have to listen to what I am saying about food! People are asking, so I am sharing the raw truth of how I eat so cheap so I can pay off more debt. In 2017, I paid of more than $15,000 in 12 months and I have continued to pick up the momentum with every month so far in 2018. Here is how I keep my grocery budget under $200. I work in a restaurant I could write a whole post about how working in a restaurant has cut my grocery budget! This is probably my number one reason my budget is so incredibly low. I spend 40+ hours in the restaurant most weeks. At least one day a week, I am there from open to close, which usually means that I eat 2-3 “meals” at the restaurant. If you have ever worked in a restaurant, you know there is usually “dead”/extra or messed up food that is up for grabs. There are nights of eating wings that were tossed in the wrong sauce or extra fried chicken that was never used. I am definitely not saying it is the healthiest, but it works and it’s free. I always make sure that the food is extra before…

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Budget Tips, Food, Money, Uncategorized

13 Daily Habit Changes that Will Change Your Bank Account

Recently I read the quote “You aren’t going to change your life until you change something you do daily. The secret of your success is found in your daily routine.” Ouch. That hit hard. I wanted the success. I wanted to work from home. But, when I was tired after working two jobs for other people. The last thing I wanted to do was work on my own blog and my own dreams. I knew that I had to reconsider what I was doing daily and if it matched up with my goals. Shocker, it didn’t. I was working every single day and paying off debt, but I wasn’t getting anywhere on any of my other goals. Bartending is not my calling and I don’t want to be there the rest of my life. I needed to make a change. Remember that your daily habits aren’t going to change overnight. They are small intentional things that will take a little bit of time to change. If you haven’t read S. J. Scott’s Book, Habit Stacking: 127 Small Changes to Improve Your Health, Wealth, and Happiness, I STRONGLY recommend this book! I also began applying this to my finances. What things do I do daily that match up/ don’t match up with my financial goals. There were a ton of things that I do daily, but thinking of how they affected my financial goals was eye opening. I started implementing SMALL daily changes. I started with one or two of these habits and have worked up to doing more of them as time progresses. 13 Daily Habits That Will Change Your Bank Account 1) Making coffee at home or at the office It is no secret that coffee is crazy over priced. If you can get into a habit of making your coffee at home daily instead of swinging buy Starbucks to get it every day, your wallet will thank you big time. Any coffee shop usually charges $3-6 for a cup of coffee. Even McDonald’s “McCafe” drinks are $3+! At one point I figured out the math that with the purchase…

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Food, Money

13 Things to Do to Avoid Fast Food

Fast food is the hardest part of almost every budget. It is usually where I go over every month. Most of that is due to poor planning. Here are 13 Things that I do that make it easier to say no to fast food!

I constantly struggle between not having enough time to cook and not having enough money to eat fast food every day. I refuse to eat out often, especially since I am trying to become a healthier me in the midst of My Debt Free Journey.  While trying to live a rice, beans, and ramen lifestyle, I am also trying to lose weight and get my butt back into shape. It hasn’t been easy, let me tell you. Throughout my journey, I have found myself working out more (because it is something free to do). When I workout, I don’t want to eat fast food all of the time because it doesn’t make me feel great. I fuel my body with better foods when I can. One of the best things I have done is cut down on fast food. The drive thru very rarely means anything healthy and it usually adds up fast. Every time I talk to someone who is struggling with their budget, it usually boils down to spending too much money eating out, when money should be going elsewhere. If you spend even $5 a day on miscellaneous food, you could unknowingly be spending over $1,800 a year on it. That isn’t including the actual times when you eat out for special occasions or with other people. According to Reference.com, Americans as a whole spend 384 million dollars a year on fast food alone. That seems absolutely outrageous! Here are 13 Tips to Start Avoiding Fast Food Like the Plague. Make the choice not to eat it Being intentional about anything can help you reach any goal whether it is physical, financial, or mental. Deciding that you just aren’t going to eat fast food is a huge start to avoiding fast food. Instead of planning to eat out a few nights a week, making a plan to eat at home is the best first start to not eating out so much. Once I decided to be healthier, I found that it was much easier to not want to eat some of that crap. Especially when I started looking up…

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Food, Money

6 Foods to Keep At Home To Save Money On Eating Out

I have been a little caught up in 70 hour work weeks and I haven’t been writing nearly as much. It seems like I haven’t been home other than to sleep and eat, and I have been eating out a ton! I am finally getting back into a routine and figuring out my life, but it is still a little crazy. After a few 70 hour work weeks, I know that I usually don’t want to cook after work. I have been there a million times and 9 times out of 10, I would end up going to get food or ordering pizza. I actually noticed a decent increase in eating out when I started working both jobs. When I noticed this, I started being more on purpose with my grocery shopping. I started preparing for nights where I didn’t want to cook and it saved me a TON on food costs in general.   Overall, I do try to eat healthy. When I actually prep and cook, my meals are a combination of meat, brown rice, and veggies almost 90% of the time. While most of these options aren’t the healthiest, it is still  better and way cheaper than anything I would end up getting from eating out. I attempt to make a habit of meal prepping every week. I do all of my cooking sometime on Sunday to make sure that I have food for the whole week instead of trying to figure it out and cook day by day. This does mean that I eat the same meal multiple days in a row, but I honestly don’t have a problem with that.

Food, Money

The Number One Grocery Shopping Secret to NEVER Going Over Budget Again!

Are you constantly going to the grocery store, dropping a ton of money, and wondering where it went! This is the grocery shopping secret that will save you tons of money on your budget!

  I love to eat.  I will be super honest about it too. 90% of my day is spend eating or planning out the next time I am going to eat. When I am on a good workout routine, I eat every 2-3 hours. This means that groceries seem to be a never ending expense and it gets old! I honestly feel like I go to the grocery store 2-3 times a week, but I know it isn’t that often. I can’t believe how often I have to go back to the store to get one thing or another. It is so easy to drop $100 at the grocery store and walk away feeling like you barely have meals for the next week! Also, you probably forgot the one main thing that you went to buy from the grocery store. Does this sound familiar? One thing that helps is that I attempt to only go to the store once a week. Even though I try to make it in the fewest trips possible, it can get so expensive if I am not paying attention to what I am putting into my cart. I try to always go with a list so I know what I am going into get. Along with anyone trying to save money, I have read over so many “Save XX amount on groceries” articles. So many that I can hardly remember most of them. I slowly started saving money, but it wasn’t until I started waitressing that I actually realized the best way to save money. Groceries is always a struggle because it is an essential purchase. We can’t just stop eating, but it is expensive. Whenever someone is looking for budgeting advice, they are usually asking for ways to cut grocery costs. It is one of the easiest things to spend money on, but it is also one of the easiest places to cut from as well.