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I've shared before just how valuable I believe it can be to have a pre-determined set grocery budget, and one PPP reader is doing a fantastic job sticking with hers (so I thought she might motivate us all to get on board in October!) PPP Reader Denise has decided to spend $400 each month on groceries for family of four (including 2 teenage boys!), and has been doing a fantastic job pinching those pennies.
Our own family budgets about $60-$70 right now each week for groceries. That includes everything . . . toiletries, paper products, snacks, meals, and a few items each week to donate. So far it's still working for us, but as groceries are definitely going up in price (and my kids seem to keep eating more and more. . . ), we may at some point decide to increase our budget by a few dollars each week. Here's the nuts and bolts of how our budget works for us:(Sometimes I can’t believe I share this stuff with you guys, but I know I like to see real numbers that work for real people, so hopefully it will help you determine your own budget if you haven’t already!)
Each Friday when my husband gets paid (every two weeks) we take out $400 in cash. This money covers groceries, school fees for my kids, eating out, and any miscellaneous expenses that pop up. Here's *about* how we allocate that $400:
- $140 for groceries
- $60 for eating out after church each Sunday (we go out every week after church, so $30 per week)
- $60 for one additional meal out each week ($30 per week, sometimes we'll stretch it further by ordering pizza or using great coupons while we're out!)
- $30 for my hubby and I to have lunch once a week (although we've missed that the last two weeks ~ ugh!)
- $100 for miscellaneous expenses (this includes things like a $20 for a shirt my son needed today for band, extra money to go to a high school football game on Friday night, a date night babysitter, etc.)
Today I'd like you to take a few minutes and take a good hard look at your pocketbook. Are you staying right within your budget? Struggling to save at all? Doing way better than you ever imagined? Or even so overwhelmed with all this saving that you're feeling a little nuts? (That's okay too . . . hang in there!)
I’d love to hear how you're doing, and to encourage you to stick to your goals . . . you really can do this! If you’re spending more than you planned to spend, now is a great time to slow down and plan better for the future, to see just how much your family can save this month. Each Tuesday during October we'll stop back and re-visit how we're doing, so I'd love for you to join us and see how many pennies you can pinch as we lead up to the Holidays.
Your turn now . . . set those goals and determine to stock them . . . I promise you'll be so glad you did, and I'd love to hear what your financial goals are this month (feel free to comment anonymously!)
“And my God will meet all your needs according to his glorious riches in Christ Jesus.” Philippians 4:19
Other things you may want to check out:
- How Does Your Grocery Budget Look?
- The Value of a Budget
- Are You On an All Cash Budget
- Dave Ramsey’s Financial Peace
- Download free budget spreadsheets from Dave Ramsey
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