Author Topic: reality check on consumables monthly spending  (Read 11908 times)

leonard

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reality check on consumables monthly spending
« on: May 24, 2016, 10:47:48 AM »
Hey all,

So I am trying to be on the road to FIRE. After finding the MMM blog I realized the genius of it and crushed my student load and second mortgage relatively quickly. We (wife, kid and myself) have paired down the monthly expenses pretty well. The one area I want a reality check on is what I am calling the 'consumables' category. Basically we lump all consumables into one spending category. This includes groceries, eating out, beer, coffee, household cleaning supplies, etc. It does not included gasoline. I would like to get this spending down but am having a hard time. This category spending regularly hits 1000-1200 a month. This seems high to me so i am wondering what other people spend? Should I itemize it down and try to budget it more tightly? any ideas/ input appreciated. Do I just need a good old fashioned face punch?

meandmyfamily

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Re: reality check on consumables monthly spending
« Reply #1 on: May 24, 2016, 10:56:03 AM »
We have groceries (we would include coffee in here), eating out,  and household necessities broken out separately.  We don't drink or so rarely it doesn't effect our budget much that I would put it with groceries.  All those categories can quickly get out of hand on their own.  They we see how low we can go and eventually what we want to spend on each for each month.  We are a family of 6 (4 kids) and we spend $750 on groceries, $200 on household and $100 on eating out a month on average.  That doesn't include $60 a month for dog food or haircuts (we only spent $84 last year), etc.  We break it out.  I know it helps me to lower costs.
« Last Edit: May 24, 2016, 11:08:47 AM by meandmyfamily »

Zikoris

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Re: reality check on consumables monthly spending
« Reply #2 on: May 24, 2016, 10:56:40 AM »
Hey all,

So I am trying to be on the road to FIRE. After finding the MMM blog I realized the genius of it and crushed my student load and second mortgage relatively quickly. We (wife, kid and myself) have paired down the monthly expenses pretty well. The one area I want a reality check on is what I am calling the 'consumables' category. Basically we lump all consumables into one spending category. This includes groceries, eating out, beer, coffee, household cleaning supplies, etc. It does not included gasoline. I would like to get this spending down but am having a hard time. This category spending regularly hits 1000-1200 a month. This seems high to me so i am wondering what other people spend? Should I itemize it down and try to budget it more tightly? any ideas/ input appreciated. Do I just need a good old fashioned face punch?

I would definitely categorize all that stuff out.

We're a family of two adults, and our monthly averages last year were:

Groceries + cleaning supplies: $221
Eating out: $22
Snacks/soda (we don't drink beer or coffee): $33/month

Total: $276/month.

mskyle

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Re: reality check on consumables monthly spending
« Reply #3 on: May 24, 2016, 11:12:21 AM »
I individually pay around $300-$400 a month for food and liquor and toiletries (additional cleaning supplies might add up to like $50 a year?); as a couple we might be paying as much as $1000, though, because my partner usually eats out for lunch (but that part of our finances is separate, so I don't actually know how much he pays for it). I would prefer to pay even less (even for my share, which includes half our shared groceries and when we eat out together), but my partner is celiac and picky about food and I love him, so what can you do.

I agree with others that you need to break it out into smaller categories if you want to get useful insight (either on your own or from us). When you do, you might notice obvious overspending or waste that you can cut out without pain.

neo von retorch

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Re: reality check on consumables monthly spending
« Reply #4 on: May 24, 2016, 11:29:45 AM »
Getting really granular is helpful and great and... hard. Can you break things into categories that you likely won't change, and those you really should?

Groceries / Meals (you might modify these down the line, but this stuff you got to eat)
Beverages (these can be modified... you don't need anything more than water, but you enjoy coffee, beer and other drinks - find a frugal middle ground)
Snacks / Desserts (again you don't need these, maybe once a week, but you realize after tracking you're eating snacks three times a day)
Eating & Drinking Out
Household Supplies (be smart about these, but they are sort of "needs" so it's not necessarily the first category to attack)

Kitsune

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Re: reality check on consumables monthly spending
« Reply #5 on: May 24, 2016, 11:30:20 AM »
I'd split it out, because that seems high - splitting it out can lead to figuring out if part of it is way more than you thought, and you can focus on that if you decide.

We're a family of 3 (one child) - typically we run around 750$CAD (less than 600 USD) for 'consumables' - alcohol, coffee, groceries, household goods like shampoo/cleaning supplies/toilet paper/diapers/etc. We could cut it down further, but, y'know, there's something to be said for a steak and a glass of wine on Friday night. ;)

Where we cut: going out. We now live in the country so restaurants/take-out isn't an option, but when we lived in the city and had just started money-tracking, we were convinced that we spent "not that much" on lunches/take-out/restaurants/coffee/drinks in bars. Turns out "not that much" was 600$, which was SHOCKING, so we addressed that. Now, we basically keep aside 20-30$ a month to either eat out when it's convenient (away from home for a full day and want a lunch date, or going to meet friends for a drink after work, etc), but regularly just don't spend it, let it pile up, and have on REALLY nice dinner together after a few months.

My point: it's easy to spend more than you think on eating out, or on groceries.

nereo

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Re: reality check on consumables monthly spending
« Reply #6 on: May 24, 2016, 12:18:28 PM »
Just adding my own figures...
groceries, eating out, beer, coffee, household cleaning supplies, etc
two person family
groceries: <$300/mo. 

alcohol: $30-40.  Mostly a couple bottles of wine and a 6-pack of beer at home.  Very occasionally a pint with friends at the bar to be social.  We each have about 2-4 drinks per week on average.  Truth be told we frequently invite friends over for meals (included in our grocery budget) and they almost always bring wine, so we often spend $0 on alcohol.

eating out: $40 (we do this about once/month)

coffee: $15 (2lb bag of fair trade, fancy-pants whole-bean coffee ... roughly 80 cups worth.)

household cleaning supplies: ~$10, most of which is laundry detergent.  Vinegar + water for basic surface cleaning, jumbo costco-bottles of dish soap and pine sol last us all year.  I have no idea how people spend $100+ every month on cleaning supplies.  ::shrug::

total ~$400/mo.

mousebandit

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Re: reality check on consumables monthly spending
« Reply #7 on: May 24, 2016, 01:24:08 PM »
When I was at the height of my health issues and had 3 littles in diapers, our household supplies were out of control.  As my health issues resolved, I was able to start aggressively reducing them.  First switch was over to cloth diapers as much as possible, homemade laundry detergent and homemade most household cleaners. 

One of the biggest helps was to begin ordering a month or two worth of household items all at once via amazon (I have prime so shipping is free).  This helped me know how much I was spending, avoided the hassles of personally shopping for and bringing in the house all those items (a HUGE issue when I had zero energy and 2 babies not even walking yet).  I was really able to pinpoint what was costing what, and modify usage or come up with alternatives.  Even now that my health is improved, I still usually do this and it is a blessing to not stuff the truck with all that TP and trash bags, etc, on our monthly supply runs (we grocery shop once a month for almost everything).  Plus it helps me avoid impulse purchases while shopping and to keep to my pre-established budget amounts. 

I haven't compared in a while, but back when diapers were a big portion of our budget, it was also much cheaper to purchase them in bulk from amazon versus walmart.   

MouseBandit

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Re: reality check on consumables monthly spending
« Reply #8 on: May 24, 2016, 01:33:32 PM »
I also use 3 categories: groceries (includes paper products and cleaning supplies), dining, and alcohol

my current YTD figures (1/1/16-5/24/16)

Groceries: $1,152.95
Alcohol: $345.39
Dining: $239.19

I am a single dude though so it's a poor comparison. Dig a little deeper here....i would pay attention to see if you are eating out  more than you think you are...even if it is a coffee here and there, or a bag of chips from the gas station, snacks here, a soda there...etc...that shit really can add up over a month. After that, tackle the grocery budget.

Cranky

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Re: reality check on consumables monthly spending
« Reply #9 on: May 24, 2016, 01:57:42 PM »
I think this is a category where careful tracking will help. You need to know where the money is going, and then decide exactly what you are willing to spend on that stuff - you can spend a lot, or you can cut way, way back. Everybody needs some groceries; nobody "needs" beer or restaurant meals. It's a very controllable area.

kite

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Re: reality check on consumables monthly spending
« Reply #10 on: May 24, 2016, 04:41:23 PM »
You've got to be very specific if you want to get that number down.  Is it $600/month in booze, for example?
Our monthly total for consumables is well below half of yours.

Michelle Singletary recommends a spending fast.  A 21 day fast where you can't buy anything that isn't essential to survival.  No booze, lattes, lunches out, gifts, charitable contributions, etc.  It sharpens your focus on what is actually necessary and you see what is possible.  Run out of paper towels?  Do without until the fast is over, for example.  Need a hair trim?  Wait or DIY or barter with a hairstylist buddy. 
Years ago, a layoff forced me to do this for an indefinite period of time and it was transformative.  21 days is easy.

We still do this for periods of time (Lent) and we observe a Sabbath day each week where we will not shop.  if I realize I need or want something on Sunday, I have to wait until the next Saturday to buy it.  As often as not, the need wasn't all that I'd thought or a free alternative is found. 

Kitsune

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Re: reality check on consumables monthly spending
« Reply #11 on: May 24, 2016, 05:24:40 PM »
household cleaning supplies: ~$10, most of which is laundry detergent.  Vinegar + water for basic surface cleaning, jumbo costco-bottles of dish soap and pine sol last us all year.  I have no idea how people spend $100+ every month on cleaning supplies.  ::shrug::

For us, it's not the "cleaning supplies", it's "household supplies". Averaging about 20$CAD on cleaning supplies, but then add toilet paper, paper towels (we mostly use rags, but paper towels are useful for cat-related grossness that you can throw out), garbage bags, Plastic wrap and foil, ziplock baggies for packing away food, etc, etc... It adds up. A month when we run out of everything is a good 100$ there (fortunately, not every month...)

Chris22

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Re: reality check on consumables monthly spending
« Reply #12 on: May 24, 2016, 06:43:03 PM »
Family of three (one is 3.5y/o).

Groceries are reliably $125-150/wk, and we honestly don't spend a lot of effort trying to get this down. Organic produce/eggs/milk, etc. The price is reasonable to me so I think we're good.


Paper/cleaning products is probably a $150 trip to Target every other month.

Booze is minimal, I buy a case of Miller Lite maybe every 3 months, wife maybe a $10 bottle of wine a week.

Eating out we could do better, probably all in $100/wk.

All in call it $1100/mo.

nereo

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Re: reality check on consumables monthly spending
« Reply #13 on: May 25, 2016, 06:51:15 AM »
household cleaning supplies: ~$10, most of which is laundry detergent.  Vinegar + water for basic surface cleaning, jumbo costco-bottles of dish soap and pine sol last us all year.  I have no idea how people spend $100+ every month on cleaning supplies.  ::shrug::

For us, it's not the "cleaning supplies", it's "household supplies". Averaging about 20$CAD on cleaning supplies, but then add toilet paper, paper towels (we mostly use rags, but paper towels are useful for cat-related grossness that you can throw out), garbage bags, Plastic wrap and foil, ziplock baggies for packing away food, etc, etc... It adds up. A month when we run out of everything is a good 100$ there (fortunately, not every month...)

It may add up-.... to a ton of waste.
18-pack of paper towels at CostCo: $15. 24-pack of TP: $18.  dish soap (90oz): $5. Dishwasher detergent: $5. Laundry detergent (166 loads): $8. 200-count garbage bags $20. 40-piece tupperware set with lids: $20. Silicone baking mat: $10.

Monthly cleaning expenses: $15-20.
The paper products and soap/detergents last us a good 3 months, the garbage bags over a year and the tupper-ware and baking mats multiple years. Old rags do most of the cleaning, with occasional ppaer towels (maybe a roll per week).

MMMarbleheader

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Re: reality check on consumables monthly spending
« Reply #14 on: May 25, 2016, 07:23:01 AM »
I have gotten groceries under $500 for a family of three eating organic meat, eggs and dairy using Costco and.. gasp.. whole foods 365 brand. Whole Foods absolutely crushes you if you get food that is not their house brand, but I have found their house brand to be on par or cheaper than other chain grocery stores. I think we could do better but my daughter is a picky eater so we spend all too much money on pouches and Snacks.

Eating out is our big issue. I don't eat out for work but we do like to on the weekends. So we have made a deal to only do it socially and not out of laziness. AKA either on dates or out with friends/relatives. We had a few too many crappy meals with a kid who doesn't eat anything to realize it is not worth it. Trying to keep it under $250/mo. for out to eat food, alcohol, and store alcohol.

StarBright

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Re: reality check on consumables monthly spending
« Reply #15 on: May 25, 2016, 07:44:57 AM »
We are a family of four and we spend 600-700 a month on consumables. This includes eating out once a week, one child in diapers and alcohol. It does not include special event dinners which happen about three times a year.

For diapers I second the amazon suggestion.

For most cleaning supplies and toilet paper I've been mostly happy with Aldi. I buy one roll of paper towels every week. If I run out, I do without until the next shopping trip.

It took a while to settle into this budget but now that we have it is pretty easy for us. I cook from scratch and we do a fair amount of organics, hormone free meats and fresh produce. In a pinch I could knock off about $200 a month pretty easily by cutting wine, beer, seafood, and organics.

I also love the idea of a spending fast- thanks Kite. I may see if I can have a spending fast in June.


Playing with Fire UK

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Re: reality check on consumables monthly spending
« Reply #16 on: May 25, 2016, 08:06:33 AM »
I categorise this stuff into 'necessary' and 'unnecessary'. SO and I speak about what we consider necessary; but generally deserts, snacks, booze, and all food prepared by someone else is unnecessary. Then when we are wanting to save money, we stop all of the 'unnecessary' purchases (similar to the spending fast). At the supermarket the first transaction is what we need and the second is the dessert and booze, so it is easy to keep track of (and we tend to double up if there are decent coupons available).

The first time we tracked this it was brutal - but really effective. We thought we'd been pretty well behaved that month - not too many meals out etc; but we'd spent twice as much on stuff we didn't need as what we did. Followed that with a month of buying none of it and it really reset our spending.

Kitsune

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Re: reality check on consumables monthly spending
« Reply #17 on: May 25, 2016, 08:32:37 AM »
household cleaning supplies: ~$10, most of which is laundry detergent.  Vinegar + water for basic surface cleaning, jumbo costco-bottles of dish soap and pine sol last us all year.  I have no idea how people spend $100+ every month on cleaning supplies.  ::shrug::

For us, it's not the "cleaning supplies", it's "household supplies". Averaging about 20$CAD on cleaning supplies, but then add toilet paper, paper towels (we mostly use rags, but paper towels are useful for cat-related grossness that you can throw out), garbage bags, Plastic wrap and foil, ziplock baggies for packing away food, etc, etc... It adds up. A month when we run out of everything is a good 100$ there (fortunately, not every month...)

It may add up-.... to a ton of waste.
18-pack of paper towels at CostCo: $15. 24-pack of TP: $18.  dish soap (90oz): $5. Dishwasher detergent: $5. Laundry detergent (166 loads): $8. 200-count garbage bags $20. 40-piece tupperware set with lids: $20. Silicone baking mat: $10.

Monthly cleaning expenses: $15-20.
The paper products and soap/detergents last us a good 3 months, the garbage bags over a year and the tupper-ware and baking mats multiple years. Old rags do most of the cleaning, with occasional ppaer towels (maybe a roll per week).

Yeah, partial agreement with you. What I meant was that the months we run out of everything it's a good 100$ ... but that's maybe every 6-8 months, with 10$ here and there when you run out of toilet paper or dishwasher detergent. Looking at my YNAB, we've averaging around 30$CAD/month on that stuff. Just when it all comes at once it's a bit of a hit.

Oh, and the ziplock bags are for freezer bags. They maximize freezer space and can be re-used a few times before getting holes.


nereo

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Re: reality check on consumables monthly spending
« Reply #18 on: May 25, 2016, 08:49:48 AM »
household cleaning supplies: ~$10, most of which is laundry detergent.  Vinegar + water for basic surface cleaning, jumbo costco-bottles of dish soap and pine sol last us all year.  I have no idea how people spend $100+ every month on cleaning supplies.  ::shrug::

For us, it's not the "cleaning supplies", it's "household supplies". Averaging about 20$CAD on cleaning supplies, but then add toilet paper, paper towels (we mostly use rags, but paper towels are useful for cat-related grossness that you can throw out), garbage bags, Plastic wrap and foil, ziplock baggies for packing away food, etc, etc... It adds up. A month when we run out of everything is a good 100$ there (fortunately, not every month...)

It may add up-.... to a ton of waste.
18-pack of paper towels at CostCo: $15. 24-pack of TP: $18.  dish soap (90oz): $5. Dishwasher detergent: $5. Laundry detergent (166 loads): $8. 200-count garbage bags $20. 40-piece tupperware set with lids: $20. Silicone baking mat: $10.

Monthly cleaning expenses: $15-20.
The paper products and soap/detergents last us a good 3 months, the garbage bags over a year and the tupper-ware and baking mats multiple years. Old rags do most of the cleaning, with occasional ppaer towels (maybe a roll per week).

Yeah, partial agreement with you. What I meant was that the months we run out of everything it's a good 100$ ... but that's maybe every 6-8 months, with 10$ here and there when you run out of toilet paper or dishwasher detergent. Looking at my YNAB, we've averaging around 30$CAD/month on that stuff. Just when it all comes at once it's a bit of a hit.

Oh, and the ziplock bags are for freezer bags. They maximize freezer space and can be re-used a few times before getting holes.
gotcha.  I thought you were saying that $100+ was your monthly average, to which my reaction was "holy crap that's well over a thousand dollars on cleaning supplies every single year!" 
Yeah - we've got similar budgets... we load up on CostCo paper towels, TP and soap/detergent about once every ~3-4 months, and it does suck to see yourself spending $50+ on nothing but disposable paper and soap.  But we know it'll last for a good long while.                                                           

wenchsenior

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Re: reality check on consumables monthly spending
« Reply #19 on: May 25, 2016, 08:50:38 AM »
We spend similarly: ~$1200/month for two people on household items and consumables. I've been really focused on this category for the past year, since so many people on this forum spend dramatically less.

Of this total, it would be relatively easy to shave 400$ by cutting down dramatically on alcohol (I have cheap taste in wine, but my husband has expensive taste in craft beers, scotch, and whiskey), and packing lunches for my husband (he buys lunch out nearly every work day, and sometimes breakfast as well).  Regular groceries I have found much harder to affect...seems to consistently run ~$500/month. We also don't eat out as a couple very often, maybe once or twice per month.

The grocery average is actually down $100 from previous years'...I did it by buying fewer precooked foods, watching for sales on meat, buying cat supplies, cleaning supplies etc at Target. We can cut it a bit more by going meatless a few nights per week and using more beans and whole grains. However, I think dramatic reduction beyond that is unrealistic for us unless it is an emergancy. We're not going to stretch meals with nutritionally empty carbs like potatoes, white, rice, and pasta. We're not going to eat cheaper, fattier meat in place of lean meat.  We're not going to stop eating wild caught Alaskan salmon 4 or 5 times per month and substitute in farmed tilapia. And we're not going to swap out our dessert food (Lindt dark chocolate at nearly 3$/bar) for crap chocolate.

So really, that leaves the low hanging fruit of husband's eating out to really cut the bill. He would happily eat a decent packed lunch, but he just won't ever MAKE his own packed lunches; this means if I want to affect that category, I have to do it for him. I'm feeling lazy and a little resentful at having to add this to my responsibilities, so I haven't done anything about it yet.


Chris22

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Re: reality check on consumables monthly spending
« Reply #20 on: May 25, 2016, 08:53:38 AM »
he just won't ever MAKE his own packed lunches; this means if I want to affect that category, I have to do it for him. I'm feeling lazy and a little resentful at having to add this to my responsibilities, so I haven't done anything about it yet.

Do you make your own lunch?  My wife and I make our lunches (and our daughter's) every night.  One person makes the sandwiches, the other gets some chips, fruit, etc, together in Ziploc containers.  I get the resentment thing, but making 2 sandwiches really isn't much different than making 1.

Kitsune

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Re: reality check on consumables monthly spending
« Reply #21 on: May 25, 2016, 08:57:06 AM »
So really, that leaves the low hanging fruit of husband's eating out to really cut the bill. He would happily eat a decent packed lunch, but he just won't ever MAKE his own packed lunches; this means if I want to affect that category, I have to do it for him. I'm feeling lazy and a little resentful at having to add this to my responsibilities, so I haven't done anything about it yet.

What worked for my husband (because I was in the same boat as you, and resentful about it): "Right now, we're spending 10-12$/day on lunch, each. That works out to about 450$/month. If we stopped doing that, we could hire a housecleaner to come every 2 weeks AND put 300$ in savings. So. Would you rather pack your lunch, or be responsible for scrubbing the toilet?"

And BAM. 300$ saved every month... and, ok, 150$ spent on a housecleaner, but in the end we're both less aggravated, less resentful, AND we're saving money. ;)

wenchsenior

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Re: reality check on consumables monthly spending
« Reply #22 on: May 25, 2016, 09:34:30 AM »
he just won't ever MAKE his own packed lunches; this means if I want to affect that category, I have to do it for him. I'm feeling lazy and a little resentful at having to add this to my responsibilities, so I haven't done anything about it yet.

Do you make your own lunch?  My wife and I make our lunches (and our daughter's) every night.  One person makes the sandwiches, the other gets some chips, fruit, etc, together in Ziploc containers.  I get the resentment thing, but making 2 sandwiches really isn't much different than making 1.

I work from home, and only eat two meals per day (small brunch, and late dinner). So this would be an entirely extra meal I would have to prepare. But I totally get the point you guys are making...I realize it wouldn't be difficult...I just have a bit of an attitude about it.

I even have a cool, ultra healthy plan of batch cooking brown rice, or barley, or farro; and also black beans, lentils, or chickpeas; then making up 3 or 4 'ethnic' dressings (salsa based, asian style, italian style, etc.) and just combining in appropriate combos along with some veggies, fruit, nuts, and occasionally meat into an 'lunch bowl' that is heatable in his office microwave. 

It would be much better for his health, too, given that after ten years of high cholesterol, he still acts slightly confused about how to eat healthily when eating out (or even at home). He's just one of those people who resents even having to think about nit picky food choices, and if left to his own devices all day at home will eat nothing but carbs (toast, cereal etc) because they are 'easy'.  He also has a high pressure career, and I really don't want to make him worry about another thing during his work days.

I don't really get his attitude, because I eat like a diabetic, and am extremely conscious of nutritional density of my food, and making good choices. It really IS kind of tiring to focus on. But I really just need to get off my lazy, cooking-hating ass and do this thing.

StarBright

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Re: reality check on consumables monthly spending
« Reply #23 on: May 25, 2016, 10:07:22 AM »
he just won't ever MAKE his own packed lunches; this means if I want to affect that category, I have to do it for him. I'm feeling lazy and a little resentful at having to add this to my responsibilities, so I haven't done anything about it yet.

Do you make your own lunch?  My wife and I make our lunches (and our daughter's) every night.  One person makes the sandwiches, the other gets some chips, fruit, etc, together in Ziploc containers.  I get the resentment thing, but making 2 sandwiches really isn't much different than making 1.

I work from home, and only eat two meals per day (small brunch, and late dinner). So this would be an entirely extra meal I would have to prepare. But I totally get the point you guys are making...I realize it wouldn't be difficult...I just have a bit of an attitude about it.

I even have a cool, ultra healthy plan of batch cooking brown rice, or barley, or farro; and also black beans, lentils, or chickpeas; then making up 3 or 4 'ethnic' dressings (salsa based, asian style, italian style, etc.) and just combining in appropriate combos along with some veggies, fruit, nuts, and occasionally meat into an 'lunch bowl' that is heatable in his office microwave. 

It would be much better for his health, too, given that after ten years of high cholesterol, he still acts slightly confused about how to eat healthily when eating out (or even at home). He's just one of those people who resents even having to think about nit picky food choices, and if left to his own devices all day at home will eat nothing but carbs (toast, cereal etc) because they are 'easy'.  He also has a high pressure career, and I really don't want to make him worry about another thing during his work days.

I don't really get his attitude, because I eat like a diabetic, and am extremely conscious of nutritional density of my food, and making good choices. It really IS kind of tiring to focus on. But I really just need to get off my lazy, cooking-hating ass and do this thing.

Wenchsenior - I'm in a very similar situation to you, including the working from home and I was having all sorts of internal conflict with packing my husband's lunch. I essentially ended up with three points that make me feel okay about it.

1. Saving money is important enough to me that I will pack it. I think of it as being similar to clipping coupons or shopping for the best deal - it is time I'm willing to spend to save money.
2. He only gets leftovers. I pack it the night before when I clean up dinner. A plus to this is that he sometimes now packs it himself when he is helping with dinner clean up.
3. I frame it as a gift and act of love. It makes his day easier and healthier and I try to be happy to do it for him (I don't always succeed, but I do try to be happy about it).

wenchsenior

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Re: reality check on consumables monthly spending
« Reply #24 on: May 25, 2016, 10:13:58 AM »
he just won't ever MAKE his own packed lunches; this means if I want to affect that category, I have to do it for him. I'm feeling lazy and a little resentful at having to add this to my responsibilities, so I haven't done anything about it yet.

Do you make your own lunch?  My wife and I make our lunches (and our daughter's) every night.  One person makes the sandwiches, the other gets some chips, fruit, etc, together in Ziploc containers.  I get the resentment thing, but making 2 sandwiches really isn't much different than making 1.

I work from home, and only eat two meals per day (small brunch, and late dinner). So this would be an entirely extra meal I would have to prepare. But I totally get the point you guys are making...I realize it wouldn't be difficult...I just have a bit of an attitude about it.

I even have a cool, ultra healthy plan of batch cooking brown rice, or barley, or farro; and also black beans, lentils, or chickpeas; then making up 3 or 4 'ethnic' dressings (salsa based, asian style, italian style, etc.) and just combining in appropriate combos along with some veggies, fruit, nuts, and occasionally meat into an 'lunch bowl' that is heatable in his office microwave. 

It would be much better for his health, too, given that after ten years of high cholesterol, he still acts slightly confused about how to eat healthily when eating out (or even at home). He's just one of those people who resents even having to think about nit picky food choices, and if left to his own devices all day at home will eat nothing but carbs (toast, cereal etc) because they are 'easy'.  He also has a high pressure career, and I really don't want to make him worry about another thing during his work days.

I don't really get his attitude, because I eat like a diabetic, and am extremely conscious of nutritional density of my food, and making good choices. It really IS kind of tiring to focus on. But I really just need to get off my lazy, cooking-hating ass and do this thing.

Wenchsenior - I'm in a very similar situation to you, including the working from home and I was having all sorts of internal conflict with packing my husband's lunch. I essentially ended up with three points that make me feel okay about it.

1. Saving money is important enough to me that I will pack it. I think of it as being similar to clipping coupons or shopping for the best deal - it is time I'm willing to spend to save money.
2. He only gets leftovers. I pack it the night before when I clean up dinner. A plus to this is that he sometimes now packs it himself when he is helping with dinner clean up.
3. I frame it as a gift and act of love. It makes his day easier and healthier and I try to be happy to do it for him (I don't always succeed, but I do try to be happy about it).

Extremely good advice! I also need to remember if I start the batch cooking plan, that I will have some elements of my own brunches (grains and beans) pre-made as well.

Cassie

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Re: reality check on consumables monthly spending
« Reply #25 on: May 25, 2016, 10:17:20 AM »
You definitely need to separate this out.  We spend about 400/month for 2 people on everything but eating out.  When we were raising our kids we rarely ate out. Now that we are semi-retired we eat out much more. We don't have as much of a need to be frugal. I bet this is a big leak for you.

Rural

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Re: reality check on consumables monthly spending
« Reply #26 on: May 25, 2016, 03:12:11 PM »
Yes, you definitely need to see what this is. For the two of us, three cats, and two Great Danes, we're at $350 for groceries/pet food and household supplies plus an average $100 eating out a month.

Bee21

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Re: reality check on consumables monthly spending
« Reply #27 on: May 25, 2016, 03:33:33 PM »
Yes, the husbands sacred lunches should be a separate categories in our budget, but i make him spend his own allowance on them. I am happy to pack sandwiches, wraps, leftovers, i even batch cooked lasagnas and quiches, but he always has some excuse for not wanting it. These days the excuse is that he is on site and they don't have a microwave. When he is in the office, it is always a meeting excuse. Drives me nuts. He easily spends 3-4k a year on junk. The bastard. I think he just enjoys the social life associated w the lunches out. There are weeks when he is 'good' and then he falls off the wagon again.

Rant over.

The thing is, next year we'll really need that money for travelling, so i'll have to persuade him to be a bit more lunch conscious. Which one does he want more, a daily crappy burger and coke or 2 plane tickets to Europe.

In other notes, i managed to reduce the food budget when i started categorizing it. It turned out that i was spending a reasonable amount on dinners, but i spent more on snacks and baking supplies than on real food, so that stopped. It took me a few weeks until i got it right. It also helped to calculate the price of the food we threw away because i overstocked. Boy, that was embarrassing. Now i am more comfortable with an 'empty' looking fridge, as long as i know that there is enough food for the next three days. We spend between 150-180 a week for a fam of 4 and we eat extremely well.:)

Retire-Canada

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Re: reality check on consumables monthly spending
« Reply #28 on: May 25, 2016, 03:46:46 PM »
This category spending regularly hits 1000-1200 a month. This seems high to me so i am wondering what other people spend? Should I itemize it down and try to budget it more tightly? any ideas/ input appreciated. Do I just need a good old fashioned face punch?

Two adults and a cat who eats like a Queen spends $600/month in hellishly expensive Canada on everything, but eating out. I'd say eating out was $100-$200 on top of that.

So $700 - $800 CAD or $540 - $615 USD.

Our grocery shopping is admittedly not well optimized, but until I get to work less I don't feel like spending more time reducing costs further. I figure that will be a task for my future self when I downshift/FIRE.

So yes I'd say there is room to cut down your spending without killing yourself. I think you'll need to track all the sub-categories in more detail to benefit from tracking where you can cut.
« Last Edit: May 25, 2016, 03:49:24 PM by Retire-Canada »

G-dog

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Re: reality check on consumables monthly spending
« Reply #29 on: May 25, 2016, 03:49:27 PM »
Agree with all about breaking this out somehow.

For me, eating out could be $0 / month (as someone said upstream, an unnecessary expense), but buying groceries (food) is always going to be a non-zero expense.

Break out in such a way that helps you make a decision. For example, if there are items you could or would easily give up, go ahead and track as a separate category (e.g., soda, alcohol, toaster pastries, ice cream, frozen dinners.....).

I track eating out separately from groceries+household goods. I doubt FIRE is delayed because I buy trash bags, so I don't break out household goods separately. But do the breakouts that make sense for you.

I would also say, start with bigger categories, you can later get into more detail in order to optimize within a category. This can be somewhat automated by using Mint, Personal Capital, or YNAB. Disclaimer - I use an Excel spreadsheet, but also have Personal Capital (but don't use it this way), I don't use the other apps, so may be full of crap, or there is better software.

leonard

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Re: reality check on consumables monthly spending
« Reply #30 on: May 25, 2016, 05:03:14 PM »
Cool. thanks for all the replies and ideas. Looks like some of you are in the same boat. I think I will break it out as its hard to regulate such a nebulous category. Also really like the idea of a 21 day break from buying anything. Good way to refocus and prioritize.

I keep thinking that this is not to ridiculous amount of spending but then on the other hand it is about the only place I could probably cut down with out sacrificing quality of life much.

G-dog

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Re: reality check on consumables monthly spending
« Reply #31 on: May 25, 2016, 05:14:25 PM »

I keep thinking that this is not too ridiculous amount of spending but then on the other hand it is about the only place I could probably cut down with out sacrificing quality of life much.

Well, at what could be 3X - 4X what you could be spending, I would say it possibly IS too ridiculous. But depends partly on how old your kid is (a teen boy could eat more than you + DW) and even more so how much this impacts your saving rate.

wenchsenior

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Re: reality check on consumables monthly spending
« Reply #32 on: May 26, 2016, 07:06:56 AM »
Yes, the husbands sacred lunches should be a separate categories in our budget, but i make him spend his own allowance on them. I am happy to pack sandwiches, wraps, leftovers, i even batch cooked lasagnas and quiches, but he always has some excuse for not wanting it. These days the excuse is that he is on site and they don't have a microwave. When he is in the office, it is always a meeting excuse. Drives me nuts. He easily spends 3-4k a year on junk. The bastard. I think he just enjoys the social life associated w the lunches out. There are weeks when he is 'good' and then he falls off the wagon again.

Rant over.



Your rant cracked me up. My husband says he would eat leftovers, but the problem is, I've noticed he doesn't even eat them when he's at HOME...it's like they are invisible to him when he opens the fridge! AND he doesn't have the excuse of socializing over lunch (except when he's on the road during field season), because he typically just eats at his desk while working!


Seppia

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Re: reality check on consumables monthly spending
« Reply #33 on: May 26, 2016, 07:17:12 AM »
I have groceries separated, then I lump restaurants/dining out and alcohol (both in house and out) in a single category.
The rationale is that the eating out and booze could (should?) be zero with no real negative repercussions, so I keep them together and increase the "shame factor" when the umber becomes too high.

Family of two, when in NYC we used to spend about $350 in groceries and $300 in booze/restaurants per month.

Now we're back in Italy and unsurprisingly the second expense has gone down to about €150 per month, while surprisingly the groceries side has stayed mostly flat at €250 per month.

Seppia

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Re: reality check on consumables monthly spending
« Reply #34 on: May 26, 2016, 07:21:57 AM »
My husband says he would eat leftovers, but the problem is, I've noticed he doesn't even eat them when he's at HOME...it's like they are invisible to him when he opens the fridge! AND he doesn't have the excuse of socializing over lunch (except when he's on the road during field season), because he typically just eats at his desk while working!

I personally found two solutions to the leftover issue

1- tortillas. Chop everything up and use as tortilla filling, adding other ingredients if necessary.
Leftover meat or fish? Chop chop chop, add mozzarella, a couple tomato slices and go!
Steamed vegetables? Chop chop chop, add a bit of canned tuna, tomatoes and cilantro

2- omelettes (similar to the above, but for smaller quantities of leftovers)

StarBright

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Re: reality check on consumables monthly spending
« Reply #35 on: May 26, 2016, 07:43:30 AM »
I have groceries separated, then I lump restaurants/dining out and alcohol (both in house and out) in a single category.
The rationale is that the eating out and booze could (should?) be zero with no real negative repercussions, so I keep them together and increase the "shame factor" when the umber becomes too high.

Family of two, when in NYC we used to spend about $350 in groceries and $300 in booze/restaurants per month.

Now we're back in Italy and unsurprisingly the second expense has gone down to about €150 per month, while surprisingly the groceries side has stayed mostly flat at €250 per month.

I really like how you break that out and think I'll do my own the same way for June. Might be eye opening.

Back when I was in undergrad and grad school I was lucky enough to spend several summers in Italy and I was amazed at how fresh and inexpensive the food really was. I felt like I was eating like a queen on a pauper's budget. I would also drop five pounds within a week of being there every year - I always suspecteed that it was due to the lack of preservatives in the food.

Chris22

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Re: reality check on consumables monthly spending
« Reply #36 on: May 26, 2016, 08:02:34 AM »
Break out in such a way that helps you make a decision. For example, if there are items you could or would easily give up, go ahead and track as a separate category (e.g., soda, alcohol, toaster pastries, ice cream, frozen dinners.....).

One thing to consider though, is what are the effects of not buying that stuff?  Maybe it's nothing, but I've found if we have no sweets at all in the house, we might head out to get some ice cream after dinner when the urge hits.  So instead of a $3 bag of cookies, it's $10 for ice cream.  Or if there's no frozen pizza in the fridge on a hectic night, it's takeout instead, $20 instead of $5.  And no beer or wine?  Well, that doesn't usually happen, but if it did, not unthinkable that a trip to a bar would result.  Sometimes a little splurge avoids a much bigger splurge.

Retire-Canada

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Re: reality check on consumables monthly spending
« Reply #37 on: May 26, 2016, 08:13:40 AM »
Not buying food for 21 days+ is pretty tough unless you grow your own. Buying only what food you really need and looking for the lowest cost version of each item is a much better plan.

Kitsune

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Re: reality check on consumables monthly spending
« Reply #38 on: May 26, 2016, 08:20:13 AM »
My husband says he would eat leftovers, but the problem is, I've noticed he doesn't even eat them when he's at HOME...it's like they are invisible to him when he opens the fridge! AND he doesn't have the excuse of socializing over lunch (except when he's on the road during field season), because he typically just eats at his desk while working!

I personally found two solutions to the leftover issue

1- tortillas. Chop everything up and use as tortilla filling, adding other ingredients if necessary.
Leftover meat or fish? Chop chop chop, add mozzarella, a couple tomato slices and go!
Steamed vegetables? Chop chop chop, add a bit of canned tuna, tomatoes and cilantro

2- omelettes (similar to the above, but for smaller quantities of leftovers)

RICE BOWLS. a scoop of rice, a bit of sesame oil and soy sauce, whatever leftovers you have.mif it's only veggies, add an egg on top. (For a sweeter fried-rice-ish taste, toss a handful of frozen pineapple before microwaving). Add hot sauce on top if inclined.

Chris22

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Re: reality check on consumables monthly spending
« Reply #39 on: May 26, 2016, 08:27:42 AM »
My husband says he would eat leftovers, but the problem is, I've noticed he doesn't even eat them when he's at HOME...it's like they are invisible to him when he opens the fridge! AND he doesn't have the excuse of socializing over lunch (except when he's on the road during field season), because he typically just eats at his desk while working!

I personally found two solutions to the leftover issue

1- tortillas. Chop everything up and use as tortilla filling, adding other ingredients if necessary.
Leftover meat or fish? Chop chop chop, add mozzarella, a couple tomato slices and go!
Steamed vegetables? Chop chop chop, add a bit of canned tuna, tomatoes and cilantro

2- omelettes (similar to the above, but for smaller quantities of leftovers)

RICE BOWLS. a scoop of rice, a bit of sesame oil and soy sauce, whatever leftovers you have.mif it's only veggies, add an egg on top. (For a sweeter fried-rice-ish taste, toss a handful of frozen pineapple before microwaving). Add hot sauce on top if inclined.

As someone who eats a turkey sandwich basically 5-6 days a week for lunch, a leftover bit of pasta or chuck of casserole or what have you is a treat!

Bee21

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Re: reality check on consumables monthly spending
« Reply #40 on: May 26, 2016, 03:36:36 PM »
Eh, it's a personal preference wether we eat leftovers or not. For us, the only thing which prevents the husband from lunching out is the tally. Sometimes i add up how much he wastes on crap snd that scares him into taking the food from home for a couple of weeks. Than it starts again. It is a very annoying cycle, especially as i haven't bought lunch for years.and especially that we spend less on our very nice dinners for 4 than he spends on those crappy burgers/ sandwiches.

Rhoon

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Re: reality check on consumables monthly spending
« Reply #41 on: May 26, 2016, 07:38:57 PM »

I even have a cool, ultra healthy plan of batch cooking brown rice, or barley, or farro; and also black beans, lentils, or chickpeas; then making up 3 or 4 'ethnic' dressings (salsa based, asian style, italian style, etc.) and just combining in appropriate combos along with some veggies, fruit, nuts, and occasionally meat into an 'lunch bowl' that is heatable in his office microwave. 


Please share your plan! I work from home or on the road and need this for lunches. I have a higher stress job and having to make "one more decision" usually ends up being a poor one when it's for myself!

wenchsenior

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Re: reality check on consumables monthly spending
« Reply #42 on: May 27, 2016, 12:22:23 PM »

I even have a cool, ultra healthy plan of batch cooking brown rice, or barley, or farro; and also black beans, lentils, or chickpeas; then making up 3 or 4 'ethnic' dressings (salsa based, asian style, italian style, etc.) and just combining in appropriate combos along with some veggies, fruit, nuts, and occasionally meat into an 'lunch bowl' that is heatable in his office microwave. 


Please share your plan! I work from home or on the road and need this for lunches. I have a higher stress job and having to make "one more decision" usually ends up being a poor one when it's for myself!

I'll definitely post details if I get the darn thing off the ground...so far, I just have a page with three columns: Grains, Beans, Dressing, outlining various ideas for combination. This was supposed to be my 'winter project', but then my schedule when to hell and here it is 6 months later...