Intentional Meal Planning: Budget

Now that we have our why, it’s time to prepare! Today we are going to talk budget.

My goal today is to get you ready to plan. I used to run to the grocery store, wandering the aisles and wonder how on earth we are going to get a meal plan together. I’d come home with a giant grocery bill and a whole lot of food we never ate. So this post and the next one will help you set yourself up for success.

Up today, budget and spending! I regularly hear from families that their grocery budget is too high, or that they have no idea how much they spend. Although budgets can be a pain (I hate them!) they make a world of difference. When you know how much you spend and how much you plan to spend, you can get your finances in order.

Only you and your family can set your budget, but I’m going to use mine as an example here. I recommend setting your numbers in place for the month or the year, giving you a bird’s eye view, and then dividing it into weeks. I have a goal of grocery shopping once per week, so I divide my spending accordingly.

Before I lay out our family’s plan, I also want to tell you the secret to sticking to our budget: CASH. A couple times a month I withdraw cash from the bank, divide it up, and use it for groceries and a few other categories. When my cash is gone, my spending is done. Honestly, this is super difficult for me, but it proves effective. It also forces me to get creative in how I shop if I know I only have so much cash in my wallet!

Budget

Our family spends $400/ month on groceries (around $90 per week). I plan meals weekly for our family of five (three children, ages 7, 4, and 1 plus two adults). We divide up our spending quite a bit, so this $400/month only accounts for actual food. We have a separate out-to-eat budget that allows us to go out a couple of times a month. I also have $60/month for household goods—this includes paper products, cleaning supplies, personal care items, makeup, etc, and $100/month for kids—diapers, clothes, kid activities, etc. The last category I’ll mention is what we call our “hosting budget.” We hold $40/month in an account that we use if we have families over for a big dinner or a house guest. We don’t use this every month, but we let it accumulate so we have what we need for hospitality.

So how does all this work together? I usually bring $80-100 in cash to the grocery store, plus I keep the $60 household cash in my wallet, spending as needed until it’s gone. Your budget might look different than mine, but the point is the same—make a plan and stick to it. Give yourself the goal of not overspending for a month and see how you do.

Spending

Several of the responses on Instagram were how I only spend $90 a week on groceries. Truth be told, it’s actually the most I’ve every spent! I’ve used this budget in both Colorado and North Carolina, so I have found it works in multiple areas of the country. Here are a few of the strategies I use:

Buy what’s in season.

When it comes to fresh fruits and vegetables, I could easily spend my whole budget! I have learned to buy what’s in season. I do a quick scan through the fruits and veggies, then grab whatever is on the best sale. Rather than aiming for variety each week, I aim for variety throughout the year. So we may eat a lot of asparagus for awhile, but we’ll switch to broccoli or green beans later.

This also works on some non-perishables. Baking supplies are usually cheapest between October and December. During those months, I use a portion of my weekly grocery budget on flour, sugar, and chocolate chips so I’m stocked up for the year.

Buy in “bulk.”

We don’t have a Costco membership, so bulk is a loose term. What I do is purchase products I know we’ll use in larger quantities when they go on sale. I have a general tally in my head of what good prices are on different items. If I see something at a great price, I stock up. For example, my kids love Annie’s brand organic mac & cheese. It’s usually $1.50-$2 per box. $1 per box is a great price, so when I see it at that price, I buy 10 boxes. Or if chicken happens to drop below $1.99/lb I’ll get 10 lbs. and freeze it. When Ben and I first got married, we had pasta night at least once a week—we used to wait for our favorite pasta sauce and noodles to go on sale and then buy 20 jars and 20 boxes of noodles. We eat a little less pasta now, but the idea is the same!

Use your freezer!

Like I mentioned with chicken above, when I find a good price on meat, I buy it and freeze it. I like using quart size freezer bags so it’s pre-portioned and easier to defrost.

I like to buy frozen veggies in the freezer aisle. Did you know that for around $1 you can get a back of frozen, chopped onion that’s about the same as 3 onions? I love these because they don’t go bad and they’re so much easier to cook with! I also buy veggie stir fry blends, peppers & onions, and frozen corn.

I also like to freeze cookie dough balls. When I bake, I’ll double the batch and freeze half in balls. Next time I need cookies, I don’t have to do a last minute store run for chocolate chips or flour.

Shop around.

After years of shopping, I know what costs less where. Particularly since we’ve moved to North Carolina, I buy certain things at certain stores. I typically do my weekly grocery shopping by stopping at Aldi first, then finishing at Harris Teeter. I also have a short list of items that are cheapest at Wal-Mart. Sometimes I’ll set aside a little money and grab those items the next time I’m shopping there. In Colorado, I used to buy most things at King Soopers (a Kroger store) and follow up at Sprouts Farmers Market.

Buy less organic.

I know, I know, organic is all the rage right now. Personally? I’m not always convinced that organic is the best way to go. Sometimes it feels more like a brand tax than an actual difference. I tend to look for more “natural” products or a small ingredients lists than organic. And while I do look for “no growth hormones” in my milk, eggs, and meat, I don’t buy free range or organic unless the price is right. For produce, I try to buy organic if it’s on the dirty dozen list, but otherwise I stick to regular.

Skip the name brands.

Unless you have a very favorite product (for us it’s Blue Bell Ice Cream), skip the name brand and go generic. You can usually find a product that’s basically the same thing for much less money.

Choose a “meat of the week” and use it multiple times

This week I bought 3 ½ lbs of chicken. Yesterday we had grilled chicken, tonight we’re eating chicken tacos, and later this week I’ll make chicken curry. Last week I used ground beef for tacos and hamburgers. Another week Ben smoked a pork butt that we used as pulled pork, taquitos, and pork sandwiches. I aim for around 3 days with the “meat of the week” and then fill in with vegetarian options or out-to-eat days in between.

Have a few weekly meal staples.

We always eat some form of tacos on Tuesday and make homemade pizza on Friday or Saturday night. I know this, so I am always planning ahead for the ingredients. When cheese goes on sale I buy a lot and freeze it. I do the same with tomato sauce.

Keep your options simple.

With three kids, the name of the game is easy. We give our kids a few good options for breakfast (oatmeal, toast, or cereal) and lunch (PBJ, grilled cheese, turkey sandwich, mac & cheese), and our family all eats the same dinner. I also buy a few snacks (off brand!) in large boxes for the kids to enjoy.  I don't buy juice, soda, pre-made lunch kits, or individually pre-packaged snacks. Honestly, they're bad for kids anyways and they are expensive. I have a couple reuseable snack bags I send to school with Eli or take to the park instead.

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Take the next week and set your budget with your partner. Find a number you can both agree on, then give it a go for at least a month before you make changes. And let me know how it goes! I can't wait to hear!

Intentional Meal Planning: the Vision

Do you meal plan? I didn't for a long time. It sounded too difficult, time consuming, and honestly a little boring.  My plan was this notebook above, completely blank.

Since our move to North Carolina last August, I've found meal planning to be really helpful. One of our family goals with our move was to eat dinner together as a family around our table, something we hadn't been doing very often before. If we were going to eat at home, that meant I was responsible for getting dinner on the table! After a few nights of staring at my fridge wondering what on earth to cook, I realized meal planning was the way to go. With a great deal of trial and error, I have found a system that generally works for our family.

I did a quick Instagram poll over the weekend, wondering if you all would be interested in this, and I got so many questions! In fact, what began as one post has now turned in to a whole series on intentional meal planning. I'm so excited to write about this and I hope sharing with you all will be helpful. I want to hear your questions: comment and tell me what you’d like to know about meal planning!

Casting a Vision

Before we jump into how I meal plan, I want to give you the why. It can be easy to run through our weeks, months, and years without really considering why we do what we do. One day we are parenting toddlers, and the next our children go off to college (or so I’m told! I’m still waiting for that one!). As my Grammy and Mom remind me, the days are long but the years are short. I know I don’t want to miss what is most important with my children, and I imagine you don’t either. Think about meal planning within the greater ideal of family mealtime. We all hope for meals around the table with the ones we love, and meal planning is one vehicle that drives us to that goal.

I sometimes hear anecdotal claims about the value of family mealtime, but does it actually carry significance?  It does in fact, carry a lot of significance, beginning with God's view on family mealtime. 

In Deuteronomy, Moses speaks the greatest commandment to love God to the whole tribe of Israel, and then follows it with this: “And these words that I command you today shall be on your heart. You shall teach them diligently to your children, and shall talk of them when you sit in your house, and when you walk by the way, and when you lie down, and when you rise.” (Deuteronomy 6: 6-7). Moses very specifically instructs parents to pass down these ideals to their children, including when you “sit in your house.” In our home, we are most likely to be sitting around the dinner table (or the television-being honest here!). What does this mean for you and I? It means that God wants us to gather our children around the table and teach them about Him. Our primary objective as parents is to point our children to Jesus, and one of the best ways to do this is around our dinner table. When I meal plan, I am calmer at dinner and more ready to talk to my children, instead of feeling frazzled and rushed, throwing fast food into the backseat while we drive to soccer. As we work through this series on meal planning, always keep this ideal in mind. You aren’t meal planning to be super mom or to look good to others or even to save money. You are meal planning to point your children to Jesus.

Let’s jump forward a little now and look at scientific reasons for family mealtime. This issue has been frequently studied, and the research is quite illuminating. The familydinnerproject.org states “Over the past 15 years researchers have confirmed what parents have known for a long time: sharing a family meal is good for the spirit, the brain and the health of all family members.” Goodnet.org lists nine scientifically proven reasons to eat dinner as a family, including better family relationships, healthier food choices, and stress relief. PsychologyToday takes it a step further citing “a study done by The National Center on Addiction and Substance Abuse revealed that teens who eat fewer than three family dinners per week compared to those who eat five to seven a week are twice as likely to use alcohol and tobacco and one and a half times more likely to use marijuana.” I don’t know about you, but I hope my children will grow to be happy, healthy, drug-free teenagers. If meal times together around the table can lower their risk, I am willing to do a little meal planning to make it happen.

Personally, for our family meal planning has given us time together, a less stressful week, and money saved. We rarely go out to eat and instead are really enjoying our nights at home together. Had you told me this six months ago, I would have been so surprised! Friends, this can be done and I’m excited to share my tips with you!

Before you go any further, think about your own why. Often the greater reason behind a task will change it from a chore to a privilege.

Up next: Part 2- Set Yourself Up for Success. I’ll walk you through our budget, pantry, and meal planning essentials.