Budgeting Tips

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Ok, so my partner and I spend a lot of food and we are not even remotely frugal with groceries. Some of the stuff you guys do blows my mind, I don't know how you live on so little for groceries, but I want to be better! What are your best tips to get started so I can ease us into being frugal? Any great websites besides Budget Bites for learning how to be cost effective with meal planning and groceries? I'm honestly not even sure where to begin... EDIT to add: We have no Aldi or Grocery Outlets in my state, just as an FYI! submitted by /u/c0zycat to r/Frugal [link] [comments]

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This won't be available to everyone, but if you happen to live somewhere in the USA that has a largish Hispanic population nearby, big grocery stores might have a Hispanic section where same/similar spices are dramatically less expensive. If you go to an actual Hispanic grocery store chain or local supermarket, you're likely to find the same products for even less. sure, quality *may* not be the same in some cases, but it beats not having it if you are looking for it. I'm not totally sure but I think the same would go for local Asian markets, and other international cuisines. First Pic: Saffron from "McCormick" brand — ~$500 per oz (on sale) Second Pic: Saffron from Mexican "Milpas" brand — ~$5 per oz (regular price) Third Pic: Selection of spices this store happens to have in its Hispanic aisle. submitted by /u/ofCourseZu-ar to r/Frugal [link] [comments]

TL:DR - My beloved wife can’t save for expenses and won’t consider a budget. Gets mad when I bring it up and madder when I push for discussion. I need advice. We’re almost at retirement age. And, NO Reddit, I won’t divorce her, lol. During our working years I made more than enough money to live comfortably day to day. Unfortunately we didn’t make investments and anything outside of my 401k was an afterthought. A few hardships, layoffs, stage4 cancer, using the 401k to stay afloat, having to get on SSDI, the sale of a house, etc.. we are in a very different and unexpected life and financial situation. We have no investments, but about 1/2 a million in HYSA. Being smart and frugal about it we can absolutely make that work for us and be relatively okay. On a monthly basis and on paper, we SHOULD be able to spend less than it earns. We have a large emergency fund, no debts, no mortgage, no car loans. I’m very good with spending frugally and not spending foolishly. My wife on the other hand spends with little regard to our situation. Nothing crazy, she just has no guide rails. She’ll spend $100 on a jacket instead of $75 for example, and maybe the jacket wasn’t part of the budget. Multiply that a couple of times and we are over budget. Issue at hand: my wife thinks “budget” is a four letter word. She’s NEVER been on a budget in her whole life. So she can’t really control spending and impulse buying. She’s not even buying gifts or “wants”, she’s just overspending what we’ve budgeted for. And she always pushes back on discussions to the point of arguing. She has some deep seeded issues with money. I suggested an allowance that she can have and spend on anything. Her response was a level of contempt toward me that I had rarely experienced. Just an example using easy numbers: let’s say all monthly needs covered, we have $1000 left for the month. She pays for things that put us over by monthly budget by $200. Thats $2400 per year that we can’t spend. And we actually could be spending even less. This isn’t a super strict budget I’ve set up. I tried going the “cash back/award credit card” for all purchases route, but she keeps using her debit card out of the bank account which means we’ve overspent when the CC bill is due. I move all money allocated to bills and “needs” every month to a separate account with no way to spend, only pay bills/needs. I’ve tried getting her interested in YNAB. Its always met with “I can’t even begin to talk about that right now. I have so much else going on.” So my question is how the hell do you get your spouse/partner on the same page about spending and budgeting? Am I cooked? I’m very close to just taking it all into my own hands and letting her be mad at me for however long. At least I’ll know our money will last. Thanks for reading. EDIT - I'M THE ONE WITH CANCER. IT IS TERMINAL. I'M TRYING TO GET THIS SORTED WHILE I CAN. DIVORCE IS NOT AN OPTION FFS. submitted by /u/LV-42whatnow to r/povertyfinance [link] [comments]

Hello, everyone! I am a 25 years old (M) and I have $0.00 in my savings, and I suck at budgeting. Basically, I pay my bills when they pop up and figure out the rest. I was never taught as a teen or young adult to budget my money properly. I want some advice and tips to do so, I made some poor financial decisions as a teen, and a young adult and I want to know some good budget methods that I can use - I would like to start a savings, and pay down some debt while not going broke haha! ANY Advice or Tips will help! Thank you so much! submitted by /u/RequirementIll4502 to r/budget [link] [comments]

Keep your food budgets low by happily accepting the mass amounts of unwanted food given away by the actual pantry recipients! I've noticed in my area recently, that folks will post on FB Buy Nothing/Free Item sites with massive hauls of food they want picked up ASAP, FCFS. They usually don't show/say what's in it, but I'm glad to rush over and get it. I also notice that 9 times out of 10, it's almost all food from food pantries and/or weekend school food bags; specifically, the canned and shelf-stable items they receive. I know that's where it's from, because it's all brands that are exclusive to food pantries/charities, and can't be bought in stores. I realize now that these posts often seem to time within the week or so after a big mobile pantry or two came to town, which makes sense. I'm guessing they go to pantries regularly to acquire such a mass, and keep the fresh milk and frozen meats and such, but then don't want the shelf stable stuff and end up with a huge stockpile; which is fine, I'm not judging, just grateful to be shared with -- but holy crap, it is often a LOT of food, like boxes upon boxes; and perfect for someone like me who will store and eat almost anything pretty happily, especially to save on groceries. I figure if they don't want to bother with taking it to a food drive themselves, or putting it in one of the dozens of little free pantry stops, etc. but want it gone badly -- then I am very glad to take it off their hands! So if you're trying to keep your food expenses low, but can't/don't want to visit the pantries yourself because you're over income limits, or can't make it there, or are embarrassed, or are just not in dire need, etc. -- keep an eye on FB for people giving away giant batches of 3rd-hand stable foods, especially in the week after a pantry event, and be ready to go pick up right away! It all adds up to big grocery savings for you, and no donations of food to the pantries are wasted this way. submitted by /u/knuds1b to r/povertyfinance [link] [comments]

My dad's house is smelly and it's bad. I visit usually once every week or so, and the smell is enough that it gives me a headache while I'm there (I'm pretty sensitive to smells). There's a couple of rooms where the doors are kept closed, and while those rooms do smell a little stale, the "stinky" smell is only like 10% of what it is compared to the main part of the house. I have a limited budget to work with - I think we'd be comfortable spending up to $1K-$2K to help fix the issue. There's a few issues at hand... The house is old - it has that general old house musty smell. It's not a great smell but not overly offensive. The basement has paneling and carpet (like a really thin industrial office style carpet - no carpet pad) and it has gotten wet a couple of times over the last 15 years when we've had heavy rain. He has cats.... the litter boxes do get cleaned regularly, however, the only spot we can put them is in the basement because he has a super small house, and I think since the furnace is down there and it's just like one big room, sometimes that litter box smell gets strong on the main floor when the furnace kicks on. Cats (again). They are typically good about using the litter box, but one of his cats is a bit of a pee-er and if there's clothes/blankets left out she likes to pee on them. I'm not even 100% sure what his house smells like, but it's really bad. Other people have commented on it too, so it's not just me. I think being honest it's a combo of cats, must basement, stale old house, my dad (he smells a little odd even when he's clean), old person, dirty house, etc. He also does his "projects" in the house - he set up tarps and turned a corner of the basement into a spray paint booth so that's a whole other smell/issue..... My game plan so far: Buy him a decent vacuum and start by getting the house totally vacuumed. Get an air purifier and place it in the basement (I think this is the best spot?) Get a dehumidifier and place it in the basement Get some of that baking soda pet deoderizer sprinkle on carpet cleaner and start with that. After that's done, I am going to spot clean with my little green and/or an enzyme cleaner. Febreeze plug ins, I don't love the idea of "covering up" the smell, but at this point I dont know what else to do. Throw away any soft surfaces - blankets, linens, clothing, etc. that smells. We obviously cannot throw away EVERYTHING, but anything that is extra stinky or cannot be washed will probably have to go. Throw away basically everything from the basement because it's all musty and moldy. Deep clean everything that I possibly can. Here's where I'm struggling... I know his furniture stinks because it's in his stinky house. He had like a classic "dad" recliner that was super old and funky, so I did toss that last week and got him a new one, already I think the smell improved a bit... but I can't afford to buy him a new couch, area rug, mattress, etc. Any tips on cleaning these items to get rid of the stink? I'm also worried about purchasing new because his cats will go to town scratching on it. I can't really air out the house because it's 5 degrees Fahrenheit here right now, I might slightly crack a window, but any long term airing out will need to wait until it's warmer. Any other ways to air out the house? He has an LVP style floor in the kitchen. Some spots are super warped (I think mainly just from wet shoes on it) but again, not in the budget to fix, I feel like this could be holding in some smells though... any tips on cleaning warped LVP? Thank you for any advice!! submitted by /u/HorrorDrive8444 to r/CleaningTips [link] [comments]

As the year wraps up, I’m curious as to what kind of budgeting tip actually worked for you this year? Not the "in theory” advice, but the real stuff that actually made a difference in your budget. Could be something small, something boring, or something you accidentally stumbled into. For me, it was taking an Uber to a bigger supermarket and buying in bulk. Even with the ride cost, it ended up cheaper than doing frequent trips to the smaller grocery stores near me. Always looking for ideas I can steal for next (this) year!! submitted by /u/salamagogo to r/budget [link] [comments]

I know I need to change a lot, but my budget is $150. can I even do this? submitted by /u/Regular_Mail_6017 to r/PcBuild [link] [comments]

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Here are a few things that have worked well for me to save money on groceries in the US, aside from the well-known "beans, rice, and tortillas are your friends." Price compare at the Dollar Tree, or other $1 stores. The Dollar Tree is often brushed off as being gross or having inferior products, and that can be true if you buy the wrong items. But when you compare the price by ounce on staples to grocery stores, you can save a lot of money. Cheese, jasmine rice, spices, and frozen pot pies are a few things that mine stocks that are definitely worth it. Just be sure to check the ingredients so you aren't buying a mock product, and compare prices using the app for your default grocer. Other items such as coffee, cereal, soup, etc. aren't worth it, so be mindful not to impulse buy. Check out ugly produce subscription boxes. We eat a ton of vegetables. I recently signed up for one of those food waste prevention boxes that send you produce "unfit" for store shelves. The one I signed up for also has an option for permanent low-income discounts, and you can stack other coupons on top of that, so for my first order, I got $35 worth of veggies for $15, and it got me through two weeks. With my delivery schedule happening on the odd weeks of the month, I now spend about $30 a month on produce, including shipping. (If you're interested in Imperfect Foods specifically, send me a DM and I can give you a referral code. You can use your 2020 tax return to get the permanent 20% discount if you qualify.) Only buy unavailable pantry necessities at your large chain. Some things you simply won't find anywhere else, so if you can't live without it, pick it up at Kroger, Walmart, Aldi, etc. If you can help it, refrain from buying meat altogether. Meat is hugely expensive over time and we tend not to notice because we assume we need it. It's fine to treat yourself, but consider removing it from your regular shopping list if you can. Learn to make food from waste. Save your onions, carrots, celery, and other non-cruciferous vegetable trimmings in a gallon bag in your freezer. Once it's full, toss half of it (1/2 bag makes 1 batch of stock, about 6 cups) in a pot with some oil to let the veggies roast. Add salt and pepper. Add plenty of water. Let it simmer until it's a deep brown, then strain the solid pieces for a delicious homemade veggie stock you can store in Tupperware in the freezer. It's awesome to use with other recipes. Flour is indispensable. Learn to make seitan, and instead of throwing out the starch water byproduct, make noodles out of it. You can get 2-3 meals from 3 cups of flour. Heavy whipping cream is so versatile. It's expensive, but since you can also use it to make spreadable butter or sour cream, it's definitely worth it in my opinion. Keep your broccoli and cauliflower trimmings in the freezer, including even the toughest stalks and the leaves. Boil them and cut them into small pieces once you're ready to make a cheddar soup that will give Panera a run for its money. As always, don't be afraid to check out local food pantries. They're there for people like us. Be sure to research them online first so you have everything you need to know before showing up, as different pantries have different requirements. As is, I spend about $60/month on groceries, down from around $140/month last year—plus I'm eating better. I hope these tips are helpful for someone! Edit: I'm totally overwhelmed by the response this got. I'll try to keep responding to DMs and questions. I'd also like to say that none of these are hard, fast rules, obviously—these just worked for me, and you should pick and choose any tips or suggestions here and in the comments that may help you. I wish y'all the best of luck! 💕 Edit #2: As of 8/17, I believe the reduced cost box is no longer 20% off, but is now 15% off. I received an email from Imperfect alerting me of this change and wanted to inform others. submitted by /u/spakoosky to r/EatCheapAndHealthy [link] [comments]

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We're talking less carbohydrates, more whole grains, fresh fruits and veggies, the whole shebang. How do you eat healthy without breaking the bank? Edit: Wow, I am so surprised by the response this post has gotten! Thank you to everyone who has taken the time to respond. Edit 2: I realized my mistake when I said "less carbs," I realize now that I meant "processed foods." thank you to redditors that pointed that out to me! submitted by /u/PessimisticOptimist1 to r/Frugal [link] [comments]