It’s Molly again, reporting back with reflections after my week of accepting Ryan’s challenge!
 
As I mentioned in my first blog post, I regularly spend $400 a month on groceries; $200 every 2 weeks equating to $7.14 per day. And let me tell you, this is not willy nilly spending! To make this happen I have to plan my meals down to the T to make sure I spend my money the best way I can.

The Strategy

At the beginning of each month, I think of a bunch of meals I want to make in the next 2 weeks. I also consult Jesse, my fiancé, on types of meals he would like to see on the menu. Let’s just say that Jesse has different ideas of what meals consist of (he would choose hot dogs for most meals if he could). I on the other hand try to plan meals that are not only cost effective, but also nutritious and even adventurous at times!
 
So once I have an idea of the things I would like to make, I pull out my giant wall calendar and start planning. When meal planning, I take into consideration a number of things. This includes ingredients I already have on hand, what I have eaten in the past 2 weeks to try not to duplicate too much, as well as my busy days of the week and when I have time to make a more elaborate meal verse when I need to throw something together and get off to a meeting. I get all of my recipes lined up calculating each meals cost per serving (this is very important), schedule my meals, and then head to the grocery store!
reflections calendar
I shop in bulk (mainly at Costco) and also shop the flyers (mainly at Save-On-Foods). I go to stores with my handy-dandy calculator and add up everything I buy to ensure I don’t overspend.
 

My Meal Planned Week

This week was a busy week for me, so I planned accordingly. I batch made breakfasts and lunches for the week and planned to stretch my dinners.
 

Breakfasts:

I am a creature of habit and can go periods of time eating the same thing every day. I know this isn’t for everyone, but it works for me. Almost every morning for breakfast, I eat overnight oats. I love that I can prep breakfast on Sunday and it lasts me 4 out of 5 week days! Helloooo sleeping in 10 more minutes instead of spending time making breakfast. Here is my overnight oats recipe and the cost break down:
 
2 cups of rolled oats – .58c
½ cup toasted shredded coconut – .39c
1 can of coconut milk – $2.49 (not on sale)
¾ cup of plain Greek yogurt – $1.66
¼ cup of hemp hearts – $1.32
2 tbsp of chia seeds – .30c
1 tbsp honey – .40c
A dash of vanilla – .21c
 
Mix it all up and divide into 4 servings.
 
Total cost: $7.35                                                Cost per serving: $1.83
 

Lunches:

As I mentioned, I knew I had a busy week coming up, so just like my breakfasts, I prepped all of my lunches for the week in advance. This week was unique, but on most weeks, I double my dinner recipes and take left overs for lunches. Here is the salad recipe I used this week:
 
1 red pepper – $1.33
10 cherry tomatoes – .75c
½ cucumber – .50c
1 can of chickpeas – $1.50
1 can of black beans – $1.50
1 cup cilantro – $1.00
¼ cup of fresh mint – .50c
½ cup of quinoa (uncooked; prepare accordingly) – .73c
1 lime (juice) – .50c
3 tbsp olive oil – .41c
 
Total cost = $8.72                             Cost per serving (5 servings) = $1.75
IMG_4725 (2)
 
 
So now that you understand my process and thinking a bit better, here was my meal plan for the week:
 
Monday (Day total = $5.38)
Breakfast – Overnight Oats ($1.83)
Lunch – Bean and Chickpea Salad ($1.75)
Dinner – Pork chop, rice, roasted yams ($1.80)
 
Tuesday: (Day total = $5.38)
Breakfast – Overnight Oats ($1.83)
Lunch – Bean and Chickpea Salad ($1.75)
Dinner – Pork chop, rice, roasted yams ($1.80)
 
Wednesday: (Day total = $5.99)
Breakfast – Overnight Oats ($1.83)
Lunch – Bean and Chickpea Salad ($1.75)
Dinner – Grilled cheese and tomato soup ($2.41)
 
Thursday: (Day total = $7.66) (I justify overspending by a few cents by underspending on other days)
Breakfast – Overnight Oats ($1.83)
Lunch – Bean and Chickpea Salad ($1.75)
Dinner – Butter Chicken and Rice ($4.08)
 
Friday: (Day total = $6.03)
Breakfast – Greek Yogurt and Hemp Seeds ($1.99)
Lunch – Bean and Chickpea Salad ($1.75)
Dinner – Tuna Sandwich and Soup ($2.29)
 
Saturday: (Day total = $5.75)
Breakfast – Toast with jam (.70c)
Lunch – Yogurt and grapefruit ($2.66)
Dinner – Beet Burger with sprouts, kale chips and pickles ($2.39)
 
Sunday: (Day total = $6.70)
Breakfast – Yogurt and hemp seeds ($1.99)
Lunch – Turkey pepperoni, cheese, and Kale Chips ($3.36)
Dinner – Pesto Pasta ($1.35)
 
Total for the week = $42.89
Knowing that I had some money left over, I treated myself to a tea from Starbucks on Saturday J
reflections dinner reflections lunch

Reflections of a Budget Queen  

Some people think that being on a budget means no social life, which doesn’t have to be true at all. For me, if I get invited out to go somewhere, I go (if I am not feeling like a hermit on that particular day). That doesn’t mean I have to spend money. If I decided to go out I always know that I have my meals planned ahead of time so I can either eat before or after depending on the time and my hunger level. Breaking my meal plan and commitment to budgeting is more detrimental to my long term goals than feeling judged in a social setting is and I always know my good friends will understand. Having a social life can also be free/super cheap! For example, if we want to go to a movie, we go on cheap Tuesday and spend $7 instead of $14. We have friends over and drink tea and play games. I am a part of a book club, which is totally free and very social! There are just some options. If I conformed to the societal pressures of what people think a social life looks like, I’d be in big debt real quick. #freeisfun J
reflections chill
 
I think this menu and system is proof that you can eat full, relatively healthy meals and have a full social life while still living on a budget. Meal planning and budgeting this way has truly changed my habits and financial situation. For me, the consequence of not budgeting and meal planning would mean making minimum payments on my debt and being burdened by it for years to come. It would mean going into debt for our wedding. It would mean heightened stress not knowing what my financial future looks like. Budgeting is piece of mind and financial freedom. For me that is priceless.