September spending: Let’s start with the total: $3060. That is about $600 more than last month but we spent $600 on the Child’s Spanish lessons which is a biannual expense. If we ignore that big purchase, we kept our spending the same as August.
The Child is taking Spanish classes with Homeschool Spanish Academy and we love them. All classes are on Zoom and she gets to talk to native Spanish speakers. For $10 per hour, we consider it a great deal. The lessons come in prepaid packages and this package of 60 lessons should last for about 7 months at our current rate of two lessons per week.
Our other significant discretionary expenses were a modem that allows us to control what websites the Child has access to and a chair for Funky Wife who now works from home. These are some expenses related to Covid but they are actually less than our usual expenses for gas and parking that we have during non-Covid times.
I am also happy to report that our grocery store bill is down to $771 which I believe is about the average for a family of three. We are continuing to buy a mixture of organic and non organic produce but we have cut out most pre-prepared food. Cooking from scratch is definitely cheaper although it is more time consuming.
No Snacks September was a huge success! In terms of money, there probably weren’t much savings. Our snack spending went from an average of $183/month to $32 for September but instead of grabbing sleeves of crackers and bags of popcorn, we are now eating more apples and bananas which it actually more expensive but way healthier. Most importantly, the Child is eating more healthy food (and she wants you to know she hates it). I have even lost a couple of pounds. So with a 2 to 1 vote, we are keeping the No Snacks challenge for the month of October!
How did your September go? Link your spending below.
As we noticed in our annual budget analysis, our family spends way more money on food than most households. That got me thinking if we are optimizing our happiness profits within this part of our budget which lead to me going over all of our food receipts from the past two months. We have been quarantining so all of our shopping since March has been through deliveries and therefore all of our itemized receipts are online. In fact, for July and August we have only shopped at two stores and I know for sure we didn’t do a quick trip for milk I have forgotten about so the data is very accurate. In total, for the two months, we spent $1,793 at the grocery store of which $128 was non-food items (mostly detergents and toilet paper) so we spent $1,664 on actual food. This is $832 a month, way lower than our average for 2019 ($1,231 per month) which is great. What is not so great is that 22% of the money we spent on groceries was spent on snacks! And that is the part of our food budget that is bringing our happiness profits down.
I put everything that is prepackaged processed carbs in this category. For our family, that is mostly cookies, chips, popcorn, and ice-cream. There were some frozen pre-prepared foods (pizza and fries) but the bulk of it was stuff that doesn’t even resemble actual food. So, what is the problem with snacks?
I like snacks too much. It takes too much willpower for me not to eat them when they are lying around. I know processed food is bad for me in all kinds of ways but grabbing a handful of chips is so much easier than figuring out something better to eat. And a bag of kettle corn is an easy replacement for an actual dinner and I can eat it while working.
Snacks are bad for our family happiness as well. As I am writing this post, the child is apparently raiding the goldfish crackers stash and my wife is having her umpteenth discussion about what “foods” can and can’t be eaten before supper. If the child over-indulges in goldfish, later she’ll say she’s not hungry for supper and I will feel guilty that my child has had nothing but processed carbs all day.
So, it is clear that the $370 wasn’t money well spent. And I don’t do moderation well so my family is going on a no-snack challenge for the month of September. I am sure the child will be excited to hear this plan :0)
To make sure nobody actually starves, we will have to pair this challenge with some sort of plan for what we are going to eat once all the goldfish are gone. My wife is just starting work again after having most of the summer off and the child will be going to online school which means we’ll all be busy and the child will need a lot of attention from us throughout the day. So, our time to cook will be severely limited. I have read many blogs about the value of meal planning and meal prepping. This is supposed to be the ultimate answer to lowering your grocery bill and decreasing your time in the kitchen. And as we would like to achieve both, I will attempt to follow the wise advice of others this month and meal plan and maybe even meal prep. Reports of this adventure to appear in future posts! Stay tuned.