Real Food, Frugal Food: Working the Budget

by Milehimama on October 13, 2010

in Pinching Pennies,Real Food

Our current food budget is between $600-$700 a month.  This works out to $150-$175 a week.  For reference, this is $2-$2.35 per person per day.

Many people budget food by setting a weekly amount, and never going over that amount.  Gail at Grocery Cart Challenge is a master at this method.

I don’t do that.  Instead, I take the month’s worth of cash out at once and then manage it through the month.  This works better for me because I stock up at a couple of stores once a month or so, and also hit my local grocery store every week for the basics that don’t store well long term.

One of my food values is to eat antibiotic free meat that was raised without hormones, and that hopefully ate their traditional diet (pastured chickens, grass fed beef, etc.)

In my area, Whole Foods Market has the best prices for this type of meat.  They sell naturally raised organic pork sausage for $4.99/lb., frozen organic chicken breasts for $4/lb., and every few weeks have major deals on grass fed beef ($4/lb., usually).  I wait for a big sale, then buy 30-40 pounds at once.  Recently they had grass fed ground beef for $3.99, and I stocked my freezer.

Whole Foods is kind of far away and meat (and frozen strawberries) are pretty much the only things I buy there, so I go every few weeks.  Their produce prices are much higher than my grocery and my farmer’s market store, so I almost never buy fresh fruit and veg there.

So, $150 or so goes to stocking up on quality meat, and I stretch that 30# by not eating meat every day and only having meat for dinner (er, except bacon.)  I also stretch ground beef with rice, bulgur, or beans.  For example, we’ll have pintos and ground beef as taco filling.

Once a month, I also stock up at Sam’s Club. I buy double fiber HFCS free bread there for $1.83 a loaf, 5# bags of veggies, and shredded cheese. I keep the bread in the freezer, and buy 10-15 loaves at once.  I spend around $60-75 at Sam’s, once a month.

That leaves $450 or so for the rest of it, or about $100-$125 a week, more or less.

Sometimes I buy meat at HEB, in which case I would buy slightly less meat at Whole Foods.

I can also work the sales to my best advantage.  For example, in my area HEB runs a fabulous sale every 3 months or so.  If you buy a can of white albacore, you’ll get a pound of whole wheat pasta free.  When I see that sale I might buy 20-30 cans of tuna, and get 20-30 boxes of noodles.  If I was on a strict week-to-week budget it would be hard to carve $30 out for one food ingredient, but because I’ve already stocked meat and accounted for it in the budget I have the wiggle room to do this.

Looking at the whole month rather than shopping week to week helps me stay in budget and make sure I’m getting the best deals. It allows me room to visit more than one store so I can get the best deal, without having to go to three or four stores every week.

How to make it work for you:

  • Decide which stores you need visit and how often.  If you are going to stock up on deals once a month, and determine what and how much you need to buy there.  Do the math and multiply: we eat 3-4 loaves of bread per week, x 4 weeks, =12-16 loaves.  I buy rice at the Asian store in 20# bags. We’ll eat about a pound per meal, so one bag lasts 20 meals, which for us means I’ll visit that store every 6 weeks or so if we have rice 3x a week.
  • Allocate your funds, make your list. Sometimes I have an “optional” section on my list, in case I have money left over, things I’ll buy *if* there’s room in the budget.
  • Do your once a month stock up runs towards the end of the month until you’ve gotten the hang of it.  You don’t want to blow your budget or go overboard the first week and then have too much of one item and no money to buy staples the next.
  • Use your cash plan to build your pantry stockpile slowly but surely.  Buy one or two extra bags of beans and rice each week, for example.  It’s only a dollar or two extra but soon you’ll have a full cupboard.

Linking up!

{ 16 comments… read them below or add one }

Kaira October 13, 2010 at 11:37 am

I have never tried to shop for the whole month at once. I should try that sometime. I spend about $400 a month to feed our family – give or take a little. I should be doing better at planning – I need to get more organized.

Milehimama October 13, 2010 at 11:49 am

I don’t shop for the whole month at once, but I take the $ out and stock up at my “special” stores (Whole Foods, Sam’s, Asian grocer) once a month or every 6 weeks. I still go to the basic grocery every week (I couldn’t store a month’s worth of milk – 16 gallons!). This way I can really stock up great sales at Whole Foods (they run a flier every week, but the GREAT sales only come every few weeks) AND shop the grocery loss leaders.

Denise October 13, 2010 at 7:44 pm

What advice would you give to someone who doesn’t have a budget, and fails every time she tries to make one and stick to it? I really need help in this area.

Milehimama October 13, 2010 at 8:01 pm

Wow, Denise, that’s a hard one without knowing more information. Why do you want/need a budget? How do you shop now? A budget is just a spending plan, not a big bad enemy! It sounds like your previous spending plans didn’t work for you. So let’s try to figure out WHY they didn’t work. Can you give me some examples of how you tried budgeting in the past and why it didn’t work for you? What caused the spending plan to get derailed?

Denise October 14, 2010 at 5:14 am

Good questions for me to ask myself!! I’m not sure why I want a budget….I guess I think I need a budget because it seems like the right thing to do. Everyone else seems to have one, so I guess I feel like I’m not doing it “right” or something. When I was first married, I had a grocery budget, and I had no choice but to stick to it. There was not much money left after everything was budgeted out…but over the years as our income grew, I pretty much just stopped, and now when I try to put a figure on what my grocery shopping for the month should be…it goes out the door with my first shopping trip. I generally try to do a big trip, every 2 weeks. I usually end up in the store several times a week, and I’m always surprised when I get to check out to see the total. I think back, and I realize that I very rarely look at the price stickers, so I suppose that may have something to do with it. I am very impulsive, and if I see a new recipe, etc. that I would like to try, I do. I totally change what my menu plan is, go to the store if I don’t have the ingredients needed, etc. I do buy our meat, eggs, and a lot of our produce from a local farm and farmer’s market…and I get our milk from a Creamery that delivers to a local grocery store, so that does add up the amount I spent, but besides the food being much better for us, I am glad that I’m able to help out the local farmers, so I would hate to stop that. I do not that I could probably get grass fed beef, pastured chicken for less at The Fresh Market, but then it wouldn’t be going local.
Well, I know you don’t want my life story, even if it is in condensed form, so I’ll stop for now…but I will say that I would like to set a goal of perhaps what your monthly grocery spending is. That would be reasonable for me, I think…I just don’t know how to get started, and to stick with it.
Thanks for reading all of this, if you didn’t start shaking your head at my craziness and just hit the delete button :)

Milehimama October 14, 2010 at 8:22 am

Oh Denise I don’t think you’re crazy!

It sounds like you already have some food values and priorities (buying local, trying new recipes, and being creative in the kitchen). That’s a great start!

How are you determining your budget? Are you picking a number based on your own past consumption, or are you picking a number that you think you *should* do? How much on average do you spend now, for how many people? You need to start where *you* are, not where you think you should be or where your best friend is or where CNN Money says the average American spends.

Second, you need to define your goals and food values. Do you want to incorporate more local foods? Get the kids to eat more vegetables? Reduce the amount of processed foods you eat? Have a more ecofriendly diet? Make a list of what is important to you when you buy food.

So, determine those two things – what you spend and what’s important to you foodwise, and let us know. We’ll see if we can help!
This post is the first in a series of how to do real food in a frugal way, because it is so frustrating to me to hear people say they can’t eat healthy foods because it’s too expensive. I hope the posts can help you too!

Hannah October 14, 2010 at 10:54 am

Excel spreadsheets are a MUST for me when it comes to budgeting. I have it set up to where each Friday it shows what my bank account *should* be, then plus the paychecks each week, then minus the bills that need to come out each week. Then I have a set amount from one week to the next that I spend on *whatever*, be it groceries, toiletries, entertainment, etc. It’s definitely helped to keep me more “organized” and I feel like a million bucks when I stick to the budget and even have extra money left over! :) I even have putting a set amount each week towards savings! Excel wins in my book! ;-D

Denise October 14, 2010 at 11:23 am

okay….let me see….We pretty much eat the way that our goals are lined up. We eat mostly whole, local, grass-fed, real foods. We do have a few processed items that we eat occasionally, but not very often. I have 2 teenagers, and they are 98% on board with how we eat. We very rarely go out to eat anymore, and when we do, we try to go where we can get as minimally processed as possible…although that doesn’t count the occasional splurge. As of right now, averaging out the last 6 months or so, I spend about $1200- 1400 a month on groceries…of that, probably about $100-150 are cleaning/paper products. This is for a family of 4, or when my husband is deployed like now, a family of 3…so see, I am totally out of control. Let me say, in my defense, that I’m not using money that is earmarked for other things…or getting us into financial difficulty. That’s not the case. I just think it’s ridiculous, the amount I spend. I would love to put the extra money that I could save from groceries into the college fund.
My ultimate goal is $600 a month. That seems like it *should* be a good amount for us to continue eating healthy and local when possible.
I just ordered a large bulk order of beef and chickens from the local farm, and have stocked up on basic items, and wheat berries, honey, etc. I would like to try and not spend more than $400 over the next month, since I do have so much to use from. I think $100 a week should be plenty for fresh veggies, eggs, and milk??? Also, to help me ease into this, I will be gone for a week to a conference, so that should be a big plus to me staying with a budget, sort of, for technically 3 weeks.

I could be your test subject. I volunteer!!! If you can turn me even partly frugal, while still using healthy and real foods, you can help anyone!!

susan credeur October 15, 2010 at 7:36 am

Denise-
You are on the right track. You are ME back in February. I took the bull by the horns and made a commitment to myself and swore off impulse buying. I finally realized that there was no reason or excuse for me to run in to Kroger/Central Market/HEB/Whole Foods (insert any store here) for a .50 cucumber for a salad recipe and walk out spending $40. I never met a sale (good or bad) I could pass up. I got a grip and pledged one and one ONLY trip to market a week. If I ran out of something, I would go without or find a substitute. Then I challenged myself with the food stamp challenge. Googling found me Lisa (!). Got inspired. We went from $500+ a month for food to less than $250 which is about where we are now. Several weeks ago I even did a $25 week challenge. The main thing is staying out of the store!!!! We eat very well–grass-fed meat, organic dairy, seasonally grown produce etc. Stick to grocery list and monthly menu-no exceptions. But best of all is the freedom! There are just the 2 of us now but when I think of the time, gas and money wasted over the years I cringe. I keep a well stocked pantry and freezer so I always know there is something to cook and if I see a new recipe, I can wait till next week (or month) to make it. If I can be helped anyone can :–)

Hi. My name is Susie and I’m an impulse shopper.

Denise October 16, 2010 at 7:32 am

OH my gosh…I could write Susan’s comment. I am really hoping to improve…

christy October 18, 2010 at 12:19 pm

This was good for me. We don’t get super sales that everyone else talks about but i still try to stretch it. I spend far more than you at sam’s. we buy all of our fruit there too because they have the best produce around. i also buy our big bags of veggie there too. i also stretch the meat too. great post!

susan credeur October 19, 2010 at 9:46 am

Agree about Sam’s for some fruits and veggies–best place to buy asparagus in spring/summer and big bags of slaw and avocados, all berries. Eggland’s Best are waayyy cheaper there than the other stores. Yes–a run to Sam’s can be worth your while.

Milehimama October 19, 2010 at 10:07 am

I don’t buy fresh fruit and veg at Sam’s usually – in my area the avocados are much, much more than most local grocery stores. I *love* their frozen green beans – they are the whole beans, not cut, and I love to make Asian style green beans with them (based on the green beans I always love to eat at Chinese buffets).

Also Sam’s Club has THE BEST brooms in the world, for half the price. I love my Libman broom but Sam’s is the only place I found that carries the red one with the full metal broomstick. Lasts forever (unlike my Clorox brand broom which was just awful).

Semalee January 12, 2011 at 2:21 pm

Hey- thanks for this post! Really gave me some things to think about, because I have been feeling lately like our grocery budget is out of control……

Semalee @ Nailing Jello to a Tree

heatherb February 10, 2011 at 4:38 pm

First of all, I just stumbled across your website and am going to have to read through it completely! We recently moved to Kingwood (just north of Houston) over the summer from Florida. I have 4 small children & we are on a very tight budget (I’m a SAHM) and really want to incorporate more healthy, organic foods into our pantry but prices are usually much more. Our budget is about $400 a month…Any suggestions as far as good Houston area stores for organic bargains? I always shop Kroger, and even though they have a pretty fair organic section/s, they only rarely have good sales….any ideas?

Leigh Ann March 25, 2011 at 6:08 pm

Awesome site! Just found you today through another site. I shop very similiar, but in cycles.

It took me about 300.00 to start with and that was almost 3 years ago. I bought up on items I knew I would cook and then stretched it. The next week I went in and purchased in bulk items that was loss leaders with coupons (not eating that food, but still off that 300.00 grocery store trip). I purchase my coupons and for the longest of time received my 1# rice bags for free with my coupons. Now it is .20 a #, but I am not complaining. So the week I had coupons for that item, I purchased 100#, came home and packaged it up for Long Term Storage. The next week, chicken was on sale, so I purchased 20 packages of it, along with the normal milk, eggs, fruit, etc. Cereal is always on sale at the beginning of the school year and coupons are out at that time. There was a day when name brand cereal only cost me .50 a box. Now the lowest is now around 1.25 with a coupon. Sauces, like bbq, mustard, dressings, etc. always start in march and the coupons are there. I haven’t paid for mustard or bbq in 2 years. Shelf life is…well I don’t know as we go through it too fast ha. And so forth.

I purchase my canned items the same way. Got tomato’s on sale, name brand for .19 a can. I got enough for an entire year, which is around 150 cans. I grow them during the summer and freeze those as well, so we usually have plenty. Pasta was free last week for us with our coupons, so I bought 18 boxes. Next time that coupon comes out, I will be purchasing more so I can stock up on pasta (again, I store it for long term storage the proper way so there is no waste).

Many items I have for a year, some just for 6 months supply, but many items I have just for that week. I spend around 100-150.00 a week now at the grocery store for a family of 4, where I used to spend 200-300.00 per week. The difference is this….I have my own grocery store in my home now with the absolute lowest price for each item that it is. I NEVER pay full price for items, except for milk/creamer and fruit. It makes me feel good to be prepared for hard times, no matter what that may bring. It is my responsibility to do this for my family.

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