eating out vs. groceries, and knowing your budget

I came in this morning hoping to sit down and post about something that I discovered in my budget. I spend several hours per week with my budget...as a rule. I know it intimately. I have one page in a huge notebook for each month...and when I sit down to work on it, i also review the

3rd, budget, buy, card, children, credit card, food, groceries, hat, hey, july, monday, notebook, pizza, post, question, week, year, eating, month, spend, months, spending, amount, knowing, $100.00, spent, check, discovered, smaller, $35-$100, person, weekend, quantity, prepare, greater, imagine, $40.00, out/iced, lists, average, coffee/coffee, higher, marie, vermont, happy, unsure, $200.00, friendlys, dinner

Page 1 of 4 1 2 3 4 LastLast
Results 1 to 8 of 27
  1. #1
    Marie
    Guest

    Default eating out vs. groceries, and knowing your budget

    I came in this morning hoping to sit down and post about something

    that I discovered in my budget. I spend several hours per week with

    my budget...as a rule. I know it intimately. I have one page in a

    huge notebook for each month...and when I sit down to work on it, i

    also review the months to come...for example, I know in october, I

    will have a 3rd paycheck....and I have not yet developed a list of

    things to cover with that check...but I'm sure I will..that check

    also does not have medical insurance taken out of it. I am usually

    very careful about what I spend, knowing how little I have to go from

    end to end. (I usually say, my ends meet, they just don't spend much

    time together)



    I was really surprised to see that I'd spent $100.00 in July for

    lunches out, iced coffees on a saturday, and one weeknight pizza.

    ONE HUNDRED DOLLARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I could have

    sent that extra $100.00 to a credit card...or stocked up on

    groceries. *shaking my head*



    Then I was reading a few digest posts from over the weekend, and saw

    one person budget $35-$100 a week for eating out (or was it a

    month?) My question is, why eat out at all? And I'm asking myself

    this also.

    You can buy a greater quantity of food, prepare it how you want,

    etc,., for a smaller amount than eating out....just consider the

    tip!!!!! If I take my 2 children to friendly's for dinner (We have

    not done this in A G E S) It will cost between $30 and $35.00. The

    tip for that amount is between $5 and $7.00 Imagine how much food

    you could buy at the grocery store for $40-$42.00 !!!!!!



    A year ago, I discovered i was spending $200.00 a month on eating

    out....on average. Looking back at old spending lists...I have not

    spent more than $40.00 on "eating out/iced coffee/coffee etc" in

    several months. This month was higher, though I'm unsure why.



    Anyway....Happy Monday everyone.

    Marie in Vermont








  2. #2
    Suzi McMullen
    Guest

    Default eating out vs. groceries, and knowing your budget


    I agree of course about most eating out. BUT, take the dollar menu at McDonalds and now the dollar menu at Taco Bell, which is actually less. I can go and get 10 of their new burritos for like 8 bucks. They have rice, meat and cheese in the soft tacos. If I were to go and buy a bag of soft tacos, some hamburger, some kind of meltable cheese, rice etc... Bring it home, cook up the rice, fry up the hamburger, melt the cheese and put it all together, I'd spend about the same and end up with only maybe a little leftover cheese out of the whole mess of it. Plus I'd have to do all the work and since we have a Taco Bell only 2 blocks from our house, it's a major temptation.

    The same can be said about buying chicken patties, buns, lettuce, and making homemade fries when I can get 2 medium fries to share between us all and 3 of the chicken breaded select meals at Micky D's to share between us all. For 12 dollars I can feed 2 adults and 5 or 6 kids.

    Where things get really messed up is when I go there with the best of intentions and don't buy the cheap things on the menu.

    Suzi



  3. #3
    J Diane Northcutt
    Guest

    Default eating out vs. groceries, and knowing your budget


    >> I can go and get 10 of their new burritos for like 8 bucks. They have rice, meat and cheese in the soft tacos.<<<

    I can make 10 burritos with meat , cheese, onions,tomatoes, guacamole, sour cream& salsa forless than 8 dollars. I can make them for about half that price.The same is true for all the other 1.00 deals. It's all in how you shop & cook. If you shop bargains & bulk ,you can get the ingredients a lot cheaper. If you cook from scratch( homemade tortillas etc), you will always come outpaying less than the fast food places ( even their super specials).
    This does take more planning on the shopping end. No just running in the store and grabbing the ingredients for a single meal. Instead you have to always look for the best deal on all the things you buy. When I find a really good cheese sale, I buy up as much as I can get. Then I have bargain priced cheese on all my cheese dishes for a little while to come. Repeat this process with every food item that you can .
    You can save as much as 50% on a lot of things by making them yourself. Things like tortillas, pie crust, rice-a-roni, pizza etc etc etc. The list goes on and on.
    You always pay for convenience. If you can afford a little convenience , go for it. I'm in a tight spot and must get the very best deals out there.

    Diane
    [quote]




    <DIV id="ygrp-msg">








  4. #4
    Suzi McMullen
    Guest

    Default eating out vs. groceries, and knowing your budget


    Well now that is the crux of the matter. I already work 7 days per week 24 hours per day. I can put more effort into the cooking and shopping. But if I do that to the degree some of you are talking about, then the kids will get outside less and I won't be able to do nearly as much in general for the kids. I don't now how moms of 6+ kids do it and save money at the same time. Essentially, that's how many kids I have with my own included. It seems I'm always trying to cut back on time wasters where I can. I just get so frazzled and tired. And it's not like I'm new at this or young. I've been doing daycare and living the life of a stay at home mom for 21 years. No matter where I ramp up in one or two areas something else always suffers.

    Suzi
    [quote]
    ----- Original Message -----
    From: J Diane Northcutt
    To: Budget101_@yahoogroups.com
    Sent: Monday, July 28, 2008 8:05 AM
    Subject: Re: Budget101.com : eating out vs. groceries, and knowing your budget






    >> I can go and get 10 of their new burritos for like 8 bucks. They have rice, meat and cheese in the soft tacos.<<<

    I can make 10 burritos with meat , cheese, onions,tomatoes, guacamole, sour cream& salsa forless than 8 dollars. I can make them for about half that price.The same is true for all the other 1.00 deals. It's all in how you shop & cook. If you shop bargains & bulk ,you can get the ingredients a lot cheaper. If you cook from scratch( homemade tortillas etc), you will always come outpaying less than the fast food places ( even their super specials).
    This does take more planning on the shopping end. No just running in the store and grabbing the ingredients for a single meal. Instead you have to always look for the best deal on all the things you buy. When I find a really good cheese sale, I buy up as much as I can get. Then I have bargain priced cheese on all my cheese dishes for a little while to come. Repeat this process with every food item that you can .
    You can save as much as 50% on a lot of things by making them yourself. Things like tortillas, pie crust, rice-a-roni, pizza etc etc etc. The list goes on and on.
    You always pay for convenience. If you can afford a little convenience , go for it. I'm in a tight spot and must get the very best deals out there.

    Diane
    [quote]




    <DIV id="ygrp-msg">











  5. #5
    Lucy Anderson
    Guest

    Default eating out vs. groceries, and knowing your budget

    I have six kids.... (5 at home) but the difference with those of us with

    kids is that they are varying ages (because we had them ourselves) and all

    of mine are past day care age and on to the age that I can get them to do

    some of the cooking with me. You have pint-sized kids who probably don't

    cook much.



    I'm not sure how you do it all with perpetual toddlers... Make your crock

    pot your new best friend? You can toss dinner into it in the morning and

    it's magically ready at dinner time. I cook with 10 hour work days outside

    the home and that helps me a lot.



    On Mon, Jul 28, 2008 at 6:36 AM, Suzi McMullen <smcmullen@kc.rr.com> wrote:



    > Well now that is the crux of the matter. I already work 7 days per

    > week 24 hours per day. I can put more effort into the cooking and

    > shopping. But if I do that to the degree some of you are talking about,

    > then the kids will get outside less and I won't be able to do nearly as much

    > in general for the kids. I don't now how moms of 6+ kids do it and save

    > money at the same time. Essentially, that's how many kids I have with my

    > own included. It seems I'm always trying to cut back on time wasters where

    > I can. I just get so frazzled and tired. And it's not like I'm new at this

    > or young. I've been doing daycare and living the life of a stay at home mom

    > for 21 years. No matter where I ramp up in one or two areas something else

    > always suffers.

    >

    > Suzi






  6. #6
    j514butterfly
    Guest

    Default eating out vs. groceries, and knowing your budget

    Eating out does take a big chunk of our paycheck. However, we never

    eat at fast food places. I figure what some people spend at Burger

    King and the like monthly equals what we spend on one Saturday night

    at a nice place. Usually it's DH and me going out without the kids so

    I don't feel so bad spending a hundred or two on dinner for us. If we

    brought the kids it would be unreasonable. If we do take the kids

    then we choose a middle of the road place such as Bone Fish Grill or

    Maggiano's Italian, etc.







    --- In Budget101_@yahoogroups.com, "Marie" <mariepollard@...> wrote:

    >

    > I came in this morning hoping to sit down and post about something

    > that I discovered in my budget. I spend several hours per week with

    > my budget...as a rule. I know it intimately. I have one page in a

    > huge notebook for each month...and when I sit down to work on it, i

    > also review the months to come...for example, I know in october, I

    > will have a 3rd paycheck....and I have not yet developed a list of

    > things to cover with that check...but I'm sure I will..that check

    > also does not have medical insurance taken out of it. I am usually

    > very careful about what I spend, knowing how little I have to go from

    > end to end. (I usually say, my ends meet, they just don't spend much

    > time together)

    >

    > I was really surprised to see that I'd spent $100.00 in July for

    > lunches out, iced coffees on a saturday, and one weeknight pizza.

    > ONE HUNDRED DOLLARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I could have

    > sent that extra $100.00 to a credit card...or stocked up on

    > groceries. *shaking my head*

    >

    > Then I was reading a few digest posts from over the weekend, and saw

    > one person budget $35-$100 a week for eating out (or was it a

    > month?) My question is, why eat out at all? And I'm asking myself

    > this also.

    > You can buy a greater quantity of food, prepare it how you want,

    > etc,., for a smaller amount than eating out....just consider the

    > tip!!!!! If I take my 2 children to friendly's for dinner (We have

    > not done this in A G E S) It will cost between $30 and $35.00. The

    > tip for that amount is between $5 and $7.00 Imagine how much food

    > you could buy at the grocery store for $40-$42.00 !!!!!!

    >

    > A year ago, I discovered i was spending $200.00 a month on eating

    > out....on average. Looking back at old spending lists...I have not

    > spent more than $40.00 on "eating out/iced coffee/coffee etc" in

    > several months. This month was higher, though I'm unsure why.

    >

    > Anyway....Happy Monday everyone.

    > Marie in Vermont

    >










  7. #7
    DNTDYCK@aol.com
    Guest

    Default eating out vs. groceries, and knowing your budget



    We value meal for our family . We don't eat fries so we just get burgers. I love to eat out which is what's killing me with debt so I'm going to be stopping that. I usually spend $20 for me and my DD but for the family it would be $40-60 a meal!

    Tina


  8. #8
    tabernardy
    Guest

    Default eating out vs. groceries, and knowing your budget

    Yesterday, we ate out for lunch after church. It was a fundraiser for

    the softball team (donations only). When we go to our high school

    football games, they usually have hamburgers for sale....we usually

    eat dinner at the game. Yes, we could have saved that money by eating

    at home first etc...but in these particular situations, we were also

    supporting school activities....so perhaps that should be moved to

    charity portion of the budget or split with it?



    My hubby eats out at lunch during the work week. I have offered to

    fix him lunches, which he has thought about but said that he really

    does need to "get away" from the office if he actually wants to get a

    lunch (physically) and also get away mentally. He eats at the same

    place, has several old guys he eats/talks/networks with. He would

    probably argue the point that he has saved more money from the

    deals/advice he gets from them than he has spent. The A/C isn't too

    great (pretty much nonexistent) where he works and taking a lunch and

    going to a hot park isn't on his list of things to do either. Coming

    home for lunch is not an option (too far).



    When we go shopping(about once every 3-4 weeks), we usually eat out.

    Shopping is an all-day affair. Yes, I could save that money (will

    have to try to think to do so in advance) by packing a lunch....again,

    during the summertime it would be hard to find a good spot to eat it

    comfortably. I also consider it somewhat of a treat though.



    Since we live way out in the country, it's a hassle to go eat out just

    to do so(time spent driving not to mention the cost of gas to get

    there) so we rarely if ever do that. My hubby does like to take me

    out to eat once in awhile, but I usually opt not to (too much of a

    hassle) unless we are running errands too.



    Some put it in their budget because they know themselves, and they

    will end up eating out some....it may give them something to look

    forward to, some may feel "deprived" of being on a budget and this is

    one thing that may help them with? Some may travel quite a bit with

    their jobs in which not eating out is not really a good option. I

    know a guy who always kept a $100 bill in his billfold. He never knew

    when he would need to take out "Mr. Important Person/s" out for lunch

    (work-related).



    Eating out is a good area of the budget than most of the time (for

    most) can be eliminated if one has the proper planning ahead of time

    for this (for when you are away from home).



    trisha



    > Then I was reading a few digest posts from over the weekend, and saw

    > one person budget $35-$100 a week for eating out (or was it a

    > month?) My question is, why eat out at all? And I'm asking myself

    > this also.

    > You can buy a greater quantity of food, prepare it how you want,














 

 
Page 1 of 4 1 2 3 4 LastLast

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •