We are in a season of frugality not by choice, but by design.
I KNOW God has something great for us and he has always provided. He provides more than enough and we never go without.
But we still have not learned stewardship.
I write the budget down to the penny.
Then we overspend
I get a savings plan in order, have a goal set to pay off the darn credit card.
Then something comes up
I allocate a certain amount towards the grocery bill
Then we eat out too many times.
And now we are behind on some important bills. Can I be real here? We are behind on our electric bill AND our rent!
That is NOT being a good steward of the finances God gave. Yes, we pay our tithes on time. Yes we have gas in the car. But we also spend money that shows up in Mint (the budgeting software) as “uncategorized” each month. And I end up lumping it under “shopping” because I can’t remember where it came from.
We have a desire to buy a house qualify for just about every first time homebuyer below-median income program that is out there. We are praying for an increase at my husband’s job. *he took the job with the agreement that he could negotiate his pay after 60 days contract, but 6 months later he is still contract at the base pay*. Spending 2 years in school financially set us back, but we took a step out of the box in the name of education so my husband could find a better job doing the thing he loves to do. (He is a graphic and web designer )
But I realized that if we can’t spend what we make now correctly- then an increase will only be that: an increase in spending.
Dave Ramsey suggests looking over the budget together. And being a godly woman means letting my husband lead. I have been asking him for months now to look over the budget with me (because I am not doing such a bang up job!). Be careful what you pray for or ask, after looking it over he told me to work with $70 a week for groceries. This is the amount that we will get on SNAP benefits (Food Stamps).
Once he gets his raise, we will no longer qualify for these benefits, but we have consistently gone over the budget with our own cash and spent double what we should be spending. Not a little bit either. And not all on food I buy. We spend TWICE our allocated budget on eating out last month. TWICE! So I will be obedient, creative and frugal.
At first, I blamed it on eating the THM way. But then I came across Lisa here and realized that I CAN eat Trim and Healthy while being frugal.
So this is week 1 of my Über frugal food budget.
I will be spending $70 plus $10 in vouchers at the farmer’s market on food stuff for my family of 5; that is 2 adults, a 3 and 6 year old and still nursing 19 month old.
Menu and update to come soon.
Do you have a frugal food budget? What tips do you have for eating real on “less than average”?