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HDFC Securities Stock Trading, Demat, courtage et les examens HDFC Securities HDFCsec est Equity Trading Company de la Banque HDFC. Vous pouvez utiliser l'une des options suivantes pour ouvrir un compte avec HDFC: Visitez hdfcsec et remplissez le formulaire Open Trading AC. Les documents suivants sont requis pour ouvrir accouunt avec HDFCsec. Une photo de format passeport. Copie de la carte PAN. Nombre de clients se sont plaints contre HDFC Securities Ltd courtier en actions. HDFC Securities Ltd plaintes des consommateurs Nombre de clients actifs que le courtier ou membre commercial a. En fait, il n'est pas libre, mais Ils utilisaient un vieux logiciel TCS. Je n'ai jamais suivi leurs conseils techniques de stock sauf deux fois et j'ai perdu de l'argent. Haresh Gidwani Oct 28, 9: Une seule bonne chose est que maintenant ils donnent de bons conseils. Ne peut pas mettre maintenant plus d'argent dans cette banque Regardant avec une autre banque comme AXIS ou Kotak si possible. Mais je dirais que cette afl pour toutes ces personnes qui veulent commercer encore n nouveau tous les jours pour les petits profits, ce qui signifie cette formule afl est pour les cambistes. Keltner Bands pour Amibroker AFL - Keltner Bands pour Amibroker AFL dit tout, Formule pour les traders intraday. Mais je dirais que cette afl pour toutes ces personnes qui veulent commercer encore n nouveau tous les jours mileage les petits profits, ce qui signifie cette formule afl est pour scalpers. Avertissement relatif aux risques: Sterling Battered sur PM Mays Commentaires Jan 09 Il n'y a pas de maj. Analyse Technique Rapports GBPUSD s'effondre sur Hard Brexit Fears Jan 09 Forex Analyse Technique Jan 09 GBPUSD La rupture par 1. EURUSD Appartement En dessous de 1. USDJPY se maintient au-dessus de Cours Action TF1 TFI Site garanti VeriSign SSL pour la scurit et la confidentialit des communications. Plus pips sans compter add ons. Il n'y a pas. Il est difficile de dire qui sont plus surprenants les accusations de fraude contre le gestionnaire de fonds Frank Mazzola, ou les emails hes encore envoyer aux investisseurs demandant plus d'argent. Au moins, c'est ce que Mazzola dit son affaire est. Alors voici les faits saillants: C'est une accusation de fraude civile et juste une accusation. Il pense que ce sera grand. Mazzola Frank ltfrankfelixadvisorsgt Date: Plan Twitters pour la domination TV huffingtonpostshawn-amoswatch-twitters-plan-for - tb Nous sommes hors de stock de twitter. Comme Twitter, dit-il, ils aussi vont grandir rapidement. Mazzola Frank ltfrankredactedgt Date: Comme Twitter et Palantir, ils vont aussi vite. Je dis ce que je crois vraiment va se mileage - mon avis - mileage ou mal. Ces symboles seront disponibles pendant votre session pour utilisation sur les pages applicables. Faites vos propres recherches sur ce sujet et faites-vous votre propre esprit. Faites pousser certains de vos propres. Il n'est pas aussi difficile que vous pourriez penser, non plus. Nous ne mangeons pas beaucoup de viande, ne mangeons presque jamais, achetons en vrac dans des clubs, utilisons des coupons et n'achetons rien s'il n'est pas en vente. Je pense que nous mangeons plus sain, parce que nous mangeons beaucoup d'aliments de base. Je ne vais plus dans le magasin et ramasser des trucs au hasard. Multigrain est vraiment un label gimique. Je suis toujours surpris. Nous aimerions acheter un share dans une ferme, mais aucun n'est disponible les listes d'attente sont longues. Nous mangeons beaucoup de grains et de haricots non gluten. Si nous achetons de la viande, nous essayons d'acheter des produits biologiques ou exempts d'antibiotiques en vente. Nous avons un gel profond et nous stockons quand nous le pouvons. Je peux imaginer ce que month pour 2 adultes et petits enfants est comme. But Ajoutez 24 par semaine pour notre abonnement csa, plus un autre dollar pour les cukes quand ils ne sont pas dans le panier. Thats juste de la nourriture pas de produits de papier ou des fournitures de nettoyage. Le reste est les repas. Je pense que Trent a raison sur l'argent avec Je ne sais pas. Je passe 30week pour une personne afin de mettre l'argent loin pour la retraite que je didnt quand je devrais avoir. Pour moi, c'est un autre gimmic d'avoir mon argent. J'ai 2 plants de tomate et options truies de poivre que je ne l'eau dont paillis, de fertiliser et seulement vaguement mauvaises herbes. Donc, bref, donnez-moi une famille de quatre personnes et un budget alimentaire de par mois et je paierai tous nos services publics avec 25 d'entre eux et de plus entreront dans la banque. Il ne comprend pas de vin ou de produits de papier. Nous n'avons pas de jardin. Cependant, autres que les produits laitiers et les produits que nous achetons uniquement les leaders perte. J'ai une famille de 5. Nous ne mangeons pas de boeuf. Nous mangeons du poulet, de la dinde moulu, du porc, et parfois du buffle, ce qui est certainement plus cher. Donne-moi mon seigle juif. Mais nous achetons des produits biologiques et mange rarement. Mais arent overweightI jure La nourriture est l'un de nos grands plaisirs. Cela comprend la nourriture, le papier, le nettoyage et les articles de toilette. D'autres personnes voient la nourriture principalement comme combustible et ne mettent pas de valeur sur la jouissance de la nourriture. Comme Trent, moi aussi, je suis un gourmand. Les couches ne sont pas. I track every penny I spend, so I know this is an accurate figure. I gasped at Trents figure too, especially since his kids are mileage young. I feel better about my grocery budget now, especially knowing that Trent likes to cook and eat good food and his kids are small. We are a family of 6 one infant and I struggle to keep our budget under We buy nothing organic except sunflower butter due to peanut and nut allergiesand very little that is prepackaged again food allergies. I do like fresh fruit and veggies though and my family will only tolerate just so many legumes. I agree with the people who commented that what makes Trents month most shocking is the fact that his family of four includes an infant and a toddler. The could seem more reasonable if he were feeding two teenagers in addition to him and his wife. I know that Trent does enjoy cooking with high quality ingredients, but still seems high. I think the national averages include families with 2 teenage boys who eat much more. If you feel that you are getting your moneys worth and can afford it, then thats great, but we eat very healthy on much less than that. I spend about a month on food approxwhich is a lot for one person. In my defence, its harder to buy for one, and I think food prices in the UK run about 10 higher than they do in the US. But, its still an awful lot of money. I think a previous poster is correctthat the reason for the shock was that most of your readers are already frugal and looking for tips to spend even less. For a lot of families, groceries is the first place to try strategies to save money. We have two adults and three kids 5, 2 and 2 and eat for about month. Although I coupon, its mostly my weekly meal planning and shopping the sales planning meals around loss leaders that save us the most money. My grocery budget is nothing more than a recurring transaction in Quicken of week. This amount is intended to cover ALL grocery items food, toilet paper, laundry supplies, etc. Some weeks we spend more, some weeks less last two weeks, and If I have Costcos monthly coupon book, Ill go stock up, spending a there alone, buying TP, paper towels, laundry, etc. For my wife and I alone, I think we could get by on 14 of this amount. Not gonna happen with the teenagers however. Ive tried paring back what we buy, but if there arent sufficient grazing foods in the house, the grumbling and threats of rebellion begin. I know, proper education, lead by example, blah blah, whatever, easier said than done. Its easier and less stressful to just buy the crap they want. Binaires in mind also that Trent works at home. So Im guessing the includes breakfast, lunch and dinner costs, too. Frugality is a very relative term. Im sure we could cut our grocery bill from pretty much the national average to something cheaper, options I dont think Id especially enjoy the diet. Also, my wife and I both work full time, so we dont necessarily have the time to make stuff from the mileage staples I think the month USDA average represents a typical family that overbuys at grocery stores with poor planning, allowing many perishables to perish before they are consumed. I bet these people have full trash bins each week. In other words, if you are reasonably smart about your grocery shopping, you should do better than this. It includes a year old child and a year old child. Sounds totally reasonable to me. My hubby and I spend per month on groceries for just the two of us. Like Trent, we buy mostly local andor organic foods, which are more expensive but are expenses were willing to pay for. Im planning on moving out on my own soon and will need to be spending as little as possible to stay afloat. What would you say would be a good spending goal for food for 1 person per month That does sounds a little bit high but not outrageous. My budget for my girlfriend and I technically allows for mo but only goes that high if I buy something for a special occasion. For instance this past long weekend we went away to stay with friends and I spent a little extra on some ribs and chops for the whole group. Usually though we spend about and put the excess into debt repayment. We follow sales to an extent but hardly ever clip a coupon. We eat pretty darn good for that too. I shop at the farmers market for all the produce and then a relatively upscale supermarket for the rest. I started making some of my own vegetarian meat substitutes recently - TVP sausage and seitan, its a big savings over the same thing purchased at the store store bought costs more than homemade why are all these people having a fit about your grocery bill I appreciate these tips weve been considering CSA for some binaires now and would love to have a garden and grow my own. Good food is very important - we might spend My husband and I spend around a week on food for the two of us, plus two meals a month that we host my parents they live nearby and cook Sunday dinner on the other two weeks. I know we could spend less, but we buy everything we can from a farmers market, and only supplement from the grocery store. We could save money if we bought produce and meat laden with chemicals, pesticides, and dye, but thats not the kind of food we want to eat. I think its strange that some people who complain that locally-grown, organic food is too expensive go home to a plasma TV and channels of 2016 programming. Its all about priorities. I like to read about frugality, but the holier-than-thous annoy me. Good for you if you spend less than him. Trents food budget works for his family, and frankly, Ive never seen a coupon for any food at the supermarket that Id care to eat. My fiance and I have been keeping a budget of all food expenses for over a year now. I looked back, and we spend on average month. I cant even begin to understand how you could be approaching month per person. And it should go down per person for more people. I eat healthy as well. Vegetables, grains, water, milk, fruit in every day. Buy huge bulks of chicken, hamburger, local produce whenever possible, etc. I use coupons all the time, and make a shopping list. I also buy a ridiculous amount of food when its on sale. For just the two of us, I have a 5 ft3 deep freezer and freezer on the refrigerator stocked full of food, mostly meats. Im just so shocked Yes, it may not be the cheapest way to eat, but Trent writes often about food, why he may or may not believe in certain types of food organic, localetc. I am a college student living in NYC, which is one of the most expensive places to feed oneself in the country, even if one cooks all meals at home. I am blessed to have a kitchen, but things around here are rarely on sale and I usually wont compromiseI like organic produce and dairy, and am willing to pay a premium to have a diet full of fruits and vegetables, even when theyre pricey. Everyone has to decide what theyre willing to compromise on frankly, Ill take better food and spend less on other luxuries. After all, food goes into your body and has a very great effect on your general well-being. Im also surprised to see so much criticism of Trents budget. DH and I spend month on food mostly groceries, some eating out. We dont buy meats in bulk as we dont have an additional freezer or space for it. We do buy a lot of fresh veggies and fruit and free-rangeorganic meats, dairy, eggs and limit pre-packaged foods. I would love to see the grocery list and associated prices for those of you who have such low costs. Weve tried coupons, but find that the store brands are still cheaper for things wed use coupons for paper goods, toiletries. Ive also found that the free-rangeorganic items we purchase are cheaper at Whole Foods than at the local supermarket, so weekly shopping often involves two stops. We have a family of four. We plan meals and use a shopping list. We pack lunches four days our of five on the workweek, and generally eat lunch in on the weekends. We bring breakfast to work. Yet we still reliably hit the number. However, thats based in a large part on the TOTAL grocery bill. We dont necessarily separate out things like diapers, formula, toilet paper, kleenex, etc. Our fridge is generally pretty sparse by the end of the week. We might have one vegetable that we throw out, but thats about it. We have tried to reduce the bill many times, but find that we might be able to squeeze it down by month at most, then grocery prices increase again and all the savings are lost. Most of the stuff we buy rarely has a coupon, too. Weve tried that tack, as well, and at most saved week. We dont buy stuff just because its on sale, either. We used to eat on per month family of fourbut as food costs binaires risen and our own desire for a more healthy diet has come on strong here in the last few months, weve seen our monthly grocery bill approach I dont consider your food bill excessive, and it is still much less than if you took your family out for one meal a day I noticed a 10 drop in our food expenses when we stopped buying at two supermarkets and started buying in only 2016 of them. Going to two supermarkets, we would end up buying a lot that was on sale, even if those included things we didnt really need. Anyway, Trent can spend as much as he wants on food. My point is that a frugality expert should spend much less than average especially when he recommends coupons, gardening, and making homemade things diapers, bread, etc to keep costs down. All these strategies dont seem to binaires, or else Trent would be spending much less, right Or you mean to say that, without coupons and gardening, his food costs would be even higher than the average a month Also, I would like to hear a better description, if possible, of what those include. Eating out Anything bought at a supermarket toilet paper, cleaning products, dog food etc or only food for the four humans Personally, I believe it would be very easy to spend that much on food. The big challenge is to spend much less than average. It would be great if you, Trent, could write another post about all this discussion. But without getting offended or defensive After all, the beauty of interaction is that we all can learn from each other. Maybe, after some thought, you could reach the conclusion that you are overspending escrevalolaescreva. I buy almost all my meat and produce from a market. Food costs vary greatly by region, and not necessarily the way you think they would vary. My family is from Cincinnati, Ohio. They are always blown away by the food prices especially meat where I live in St. Using a cost of living calculator available from CNN Money, groceries would cost between 9 13 less if I moved from St. Louis to Cincinnati, Kansas City or Des Moines, even though housing in all those areas would cost more I think some people just clearly like to get in drama. Keeping with my post from yesterdayWHAT AREA of the country are these purchases made store competition in area It is substantiallly CHEAPER to live in the South than the NorthI know that firsthand as a recent transplant. Im a firm believer that if a nice variety is available at home, then you wont want to eat outwith three teenagers I know. I realize that Trent has toddlers but also knowing most of them are the worlds pickiest Just because Trent is a frugality expert as quoted by a previous post, you expect him to eat only beans Ive never thought of Trent as an expertjust a normal guy trying to help others learn while he is also learning AND Im thankful for that I guess I feel relieved because we spend around that and more but keep feeling bad because people are posting that they are feeding a family of 4 onas many of you seem to be doing. However like Trent food is one of the things we splurge on, 2016 as the 2 kids are young, I want to make sure they have a high quality diet. Im also curious what the food budget includes, if it includes toliet paper, diapers, wipes, dog food, other stuff get at grocery store that is not food but not seperated out. If so we may be even closer to Trents numbers. Im with Anna up there, who said that the grocery budget cannot include TP or toothpaste. Unless you have that for supper once a week and I had to put it in those terms for it options compute with the spousal unit. Our mo for seven one infant who eats what I send down is just food including raw milk and pastured eggs at 6. No cleaning supplies, diapers, etc. Our spending is easy to track because I have cash in my hands every two weeks. When its gone, its gone. Golly, I keep trying to get our bill for two down under Of course that includes whatever we spend money for at the grocery, not just the food items. And it does include the beer and wine. That just galls me. I dont think people mean to criticize, it was just a very shocking number to see Trent write when he talks about saving a few dollars a month with CFLs and making your own laundry detergent like its a big deal. He could save over a year on groceries without breaking a sweat and still buy organic healthy food but doesnt see the need. I think that undermines a lot of his frugal messages on this site. Now if that number includes diapers, formula, wipes, household supplies, then it makes sense. I agree with Sandra comment Trent is not a frugality expert. Also, the term frugal means economical in the use of resources not wasteful. Trent seems to me to be very frugal. I would bet that very little is wasted in his household. The comments have been interesting, though. Families of four and five for under Good for them I wish I could do it, but I cant, so Ill stick with what I spend and not feel bad about it. Just my wife and I spend a month on groceries. Obviously these costs are going to vary depending on what part of the country you live in. People need to think about that a bit before they react in shock that some of us have to spend a bit more money for food. With a family of 3, we spend an average of month for food. Add in dinners out, and the total is just over Add in supplies, like TP and soap, and were at a month. Every receipt is recorded, so this IS accurate. We dont do much coupon-clipping. We do buy the store brand of almost everything. Of course, were on a budget of under a month, total. Trent I honestly feel you are spot on. Me and my family of 5 live off around a month. Literally every time shes in the supermarket the cashiers always give her the most amazed looks based upon the amounts we save. We have twin 7 month-olds and 1 nine year old. Once we get out of the formula and diapers phase I feel confident we can get that number down some more but maybe Im wrong. My s include everything we can buy at the grocery store, any dining out, plus any stops at the convenience store for the occasional sodajunk food. My wifes dedication to research gave her the ability to find MANY coupon clubs baby clubs were VERY beneficial and trading coupons with her friends yielded great results. If you didnt count coupons wed definitely be around that national average. At first I was very shocked with Trents budget. Ive followed Tightwad Gazette for years, shopped for all my gourmet bread flours and supplies at Mennonite stores and institutional wholesale centers. One of us was at home, so that person did all of the from scratch recipies organic or not. Now that Im a divorcee with two teenagers, I depend a lot on school lunches so I dont have to make them and eating out on soccer amp football practice nights. Sundays I often spend cooking up a weeks worth of meats so dinners are quicker and cheaper. One night a week I let the kids have fun with ramen recipies they love the stuff. I cant stand it and we eat a lot of oatmeal for breakfast still. My own budget would be a lot less if I had the time to do more. So yeah Trents budget is understandable. When youve got a really busy life trying to meet your other goals, its really easy to spend Youve got snacks and sippy cups and juice instead of water, formula and milk instead of iced tea. Teenagers just eat volume, but little ones eat more expensive items. Its about the same budget wise really. My boyfriend and I budget for and spend about per month on groceries. Most of our meals are vegetarian. We dont buy pre-packaged foods frozen dinners, etc. We only go out once a week, so covers most of our meals and the occasional friends that come over. That is 20 meals a week x options two of us meals per month. That is a great deal for yummy homemade food. Your grocery budget sounds reasonable to me. Plus your budget is YOUR budget. If it works for your family, dont worry about what others say, but thanks for opening it up for discussion. We spend quite a bit less for our family of 3, but we also cuts lots of corners amp have time to shop at various stores. We spend about mo on groceries for a family of 3. But Im including non-food items here laundry detergent, diapers, trash bags, cleaning supplies, toiletries, cat litter, etc. I typically buy all this at the grocery store, so I just keep my grocery budget at In reality, we probably spend about mo on food. I still think this is really high, but we buy a lot of convenience foods because were lazy And we have a small kitchen that is hard to cook well in. I dont get home until about 6pm or later and I dont feel like spending an hour preparing food in our tiny kitchen. Were trying to cut our grocery bill further by including a lot more coupons. I already buy mostly generic and on-sale items I just think our bill is higher due to the boxed foods we buy. Our problem lately is we tend to repeat the same dinners every week. The wife works 3 days a week and we dont have much time to cook when we get home before our one-year old gets hungry. Anyone have any good websites they could suggest with good, easy and healthy recipes that we could try out Last week I did buy a whole chicken, made it on Sunday in the crock-pot and had that for dinner. The leftovers were used for chicken salad sandwiches all week for lunch and BBQ chicken pizza later in the week for dinner. However, I think wed get sick of doing that every week. I have two children roughly the same age as Trents and we easily spend month on food. My three-year-old has a huge list of allergies so we eat almost exclusively organic, no milk, no corn corn syrup, dextrose, etc. I am comfortable saying that we eat healthier than 99 of Americans. In addition, we follow a rotation diet, no foods may be repeated within a four-day period, therefore, we also get a healthy variety of foods. We could easily cut down our food bill by buying more processed foods but we would pay for it with doctor bills and overall comfort, so for us it is worth it, and basically a necessity. I think the point here is that Trent is feeding his family more healthy food than many get, despite the fact that many believe they are feeding their families healthy food. If it is processed at all, it is not healthy. To the folks who say it seems strange to accept frugality tips from a person who cant spend less than the national average, please re-read Trents post. He says that he and his family spend MORE on some items on purpose, such as free-range chicken, grass-fed beef, etc. If hes adding these higher-cost items into his food budget, then yeah, hes spending more - but hes doing so conciously, choosing to buy some pricier items and spending less on others so he can fit them into his budget. Trent is a guy who has paid down massive debts in the last two years, so Id say yes indeed, we should accept tips from him - hes proven that he knows what hes doing Kate I agree that Trent has expressed a clear interest in food. However I hate writing about someone he also cuts coupons, comparison shops and presumably grows some food items in his garden, hence my personal surprise at the figure mentioned. Additionally and more importantly live and let live for Trent personallyI just do not believe it is indicative of US spending in general. I have a family of four with children of 7 amp 8. This makes enough of a significant difference when it comes to appetite and calorie requirements. Ive just done my homework an infant aged needs caloriesday, whereas my children need around calories a day not far off the recommended for an average adult woman We have a full grocery budget of month which equates to month. We have been under budget every month this year so far by this month alone. The budget is for everything from shampoo, toilet rolls, cleaning products, cat food amp other items. These non-food items would total at least month except during Aug obviously otherwise we would have starved to death No coupon clipping, bulk buying, low quality meat etc to stay within our budget, hence my personal surprise. And naturally food, like everything else, is more expensive in the UK than in the USA. Oh my First, I think we can agree that Trent positions himself as a frugality expert he has this site with many well-researched posts, huge traffic and huge respect, and hes writingwritten a book too. But since when does being frugal mean one must spend the absolute least in every single category Regular readers know he has a ginormous savings account, moderate expenses, and I doubt he splurges on a lot of designer clothing or a string of mansions. So his family enjoys good food and plenty of readers sync with his budget, too. My favorite part of this post is the interesting comments that have added to the comparison. And at our house, so far this year our average is about in line for a family of 3, although the number will go down over the coming months as big expenditures on a CSA membership and a quarter of a free-range, organic cow average out. It sounds pretty close to me. Our family of 4 budgets a month for groceries. Sometimes there is a little left over for a few meals out a month sometimes the meals out are over and above the We eat clean and healthy so nearly all of that goes to buying fresh whole foods. We buy very little if any prepared foods but we dont skimp on quality when it comes to our ingredients. We dont bulk shop or really try to clip coupons. We do try to buy whats on sale. Thats in line with what we spend. I just checked my Quicken, and in an urban area in Texas, two adults and a 4 and 6 yr. It includes some alcohol, some entertaining, some non-food items, and a decent number of splurges good cheese, 2016 ice cream, fancy condiments, soy meat substitutes, etc. I use coupons, do some warehouse shopping, belong to a veggie coop which I think is actually MORE expensive than standard grocery store produce bought on saleand we are vegetarian. Basically, we eat a lot of beans, grains, 2016 and fruit. We could spend less, and I am trying to cut the bill through better planning and less waste. I just copied and pasted the best post. I dont think Trent has ever identified himself as either being or wanting to be a frugality expert And I dont need him to prove to me that he can get by on less than I can. I personally am not in a competition much I can cut things or deprive myself, and I dont expect Trent to, either. What I have taken from the Simple Dollar is that Trent is writing about the steps he is taking in order to set and reach his financial goals, which in turn are themselves only a tool for him to reach larger personal goals. For most of us, regardless of our income or assets, prioritizing and controlling our spending is an important part of meeting our financial goals. Its a misleading mistake to get overfocused on frugality and make a religion of it. Frugality is a tool, and should not be put up on a pedestal as the be-all-and-end-all of existence. The really important goals in life are much higher than that. One thing that should enter into the discussion a bit more is that cost of living varies dramatically across the country. I checked a couple of online cost of living calculators, and they show that Des Moines is maybe 30 40 cheaper for groceries than the Bay Area, which is where I live. It did surprise me that Trent spent the national average, but that was more because he lives in Iowa, which is generally an inexpensive place to live. He clearly prioritizes healthy food for his family, though. Good for you on choosing to eat well for your family - each family has different areas where they spend more. I have found that we spend about a month 2 adults and one baby but I shop with coupons and buy only things that are on sale. My husband drives me crazy when we shop together because he chooses with his stomach and not his wallet - when I shop the sales and buy much more than we need and stockpile. If only we had the space for a chest freezer. Trent, you should write a post on the benefits of shopping at the farmers market. We live in the burbs of DC, but there are tons of local farms nearby. We buy local farm raised produce, frequently for the same price at the grocery. It is better for us and supports the local economy: Im not a family of four more like a family of one I currently do the following: Nothing organic, I dont grow anything, and I also dont eat pasta, potatoes, or rice my main complex carb source is beans I could do it much cheaper if I ate cereal, mac n cheese, or ramen noodles, but I dont. My family typically spent about when we were a family of 4 sooo 4 years ago the kids have since both moved out. Given how prices have escalated, Id say my parents would be spending for the same items nowmonth, and my mom is a modest coupon-clipper Trents overall message seems to be that he puts his money where his priorities are. Investigate and practice frugality whenever possible, but if you feel that eating healthily is a priority for you, make you budget accordingly. We are a family of three, two adults and a one-year-old, and we spend or so per month varies based on whether theres a bimonthly Sams club visit or not. We enjoy good food, including locally grown andor organic where practical. We buy lots of store brands, too, though, and very few name brands, very few prepared foods or boxed mix type things, and meat in bulk. Note that this amount includes paper products, personal care, diapers, formula, etc. If you can buy it at your local grocery store, shouldnt it be considered groceries It would be less if I could convince DH that meat was not required at 5 out of 7 dinners per week. It was quite a bit more at one point, but we made a conscious effort to use what we bought and ended up buying less. I read all the time on blogs about people who feed their family of four on per month. Id love to know how they do it. One thing that is cheaper for me at least, at the farmers market, is eggs. Ive noticed that the store eggs are usually older. I live alone so I cant eat a full dozen of theose before theyve gone bad. But I can buy an 18 pack at the farmers market for less than a dozen would cost at the store, and eat them all while theyre still good. I spend about a month on food just for myself. I eat out pretty often and buy almost everything organic, free-range, local, whole foods. I think that my frugality in areas like clothing and entertainment covers the cost of really good, delicious food for myself. Its all about your own priorities, right I think, Trent, that people are so used to you encouraging frugality that we were surprised that your food budget isnt more frugal. That said, with a little more thought we would have remembered some of the things you pointed outthat you pay extra binaires some organic foodand the fact that GOOD food is really, really important to you. Youre frugal elsewhere, so you can afford not to be so frugal in this area. Right Trents numbers are his own business nice of him to post them and should not affect whether you take his advice or not. Remember he paid his dues as a college student, so why should he go back to that minimalist level of diet How many of you remember that Trent likes a bottle of wine At bottle, 3 bottles per week, thats month. Hmm, adds up quickly and Im not saying his family actually drinks that much or that they drink less You know, whats frugal for one guy isnt frugal for another. This was with no attempt at being frugal. The best I ever did, consistently, was to bring that down to month for groceries and month eating out. FOOD ONLY no alcohol. But with the increasing grocery prices, our grocery bill doesnt really ever go under with one toddler. Thats with eating mostly vegetarian, buying sales, mostly staples, having a price bookIve been into keeping my grocery bill low for years now. A free range chicken locally is Organic milk is 6. Regular is half that. Trent CHOOSES to spend more on certain items, which doesnt mean hes not frugal overall. I choose to spend 20week on the local, organic CSA. I could buy enough produce for my family at local stores for half that it wouldnt taste nearly as good, nor would we have the binaires. And finally, a lot of people REALLY dont know how location makes a difference. I live in So. I have shopped, fairly often, in rural PA and upstate NY near our families. HUGE difference in prices. Those areas have regular sales prices that are often often cheaper for staples. If you are shopping at Aldi and Walmart, you have a financial advantage that some of us simply dont have. YOU try finding dried garbanzo beans for less than 1lb in my town. Im with JE comment 31 I think Trents number sounds really high. I feed and equip our family of about 3 and 12 one is only 3 for per month. Equip meaning toiletries and personal care items. I live in northern Virginia, in one of the richest counties in the country though I am definitely NOT part of that rich majority and a very high cost of living. That budget includes MAYBE one trip to Subway for the four of us each month. We dont do that every month. We eat very well very little processed crap, all whole grains, lots of fruits and veggies, legumes and beans, and very little meat. I know Trents made a lot of people feel better about how much they spend, but you really shouldnt compare yourself to other people. There can be so many variations in situations that you should really take a look at your budget and challenge yourself to do with a little less every month. See how low you can take it get creative, start baking your own bread, making your own granola for cereal cut down the sugar and fat from most recipes thoughtry beans for dinner. Youd be surprised what you can do when you really put your mind to it. Wow-We are a familly of 6 and manage to buy groceries and soft goods paper products, toiletries and laundry products for We garden and can and make most everything from scratch and pack our lunches. I even pay myself each week out of my grocery fund for my work in saving us money with coupons and comparison shopping. It is a motivator to play the game even better. I am an avid CVS and Walgreens shopper so am able to get many of my supplies there for free or near free. There are websites devoted to teaching one how to excell in that as well. Finally, I glean whatever I can from field and tree to freeze and can. The men in our family hunt deer which helps as well. I have been doing these things for years and think I can excell still more. You can always get better at the game. Thanks for all the great info on this site. I am always looking for ideas on being a better steward of the resources I have. My personal food bill 17 year old girl who can out-eat my parents is as follows. Pastry from day-old rack, glass of milk or juice: Granola bars, simple sandwich, bottle of pop or water water is free, pop is High quality, huge meal cooked by my amazing mother, usually including chicken or pork under 1. My meal options go up in the school year because of water polo and decrease substansially in the summer when I sometimes eat brunch because I slept until 9. I think people need to remember the huge variation in basic food taxes in different areas of the US, and also to make sure they include everything they eat into their monthly totalsmany people forget if they buy lunch at work, or go out, and are only listing groceries. I used to feel bad about what my husband and I spend on food each month, because I would look online and read about frugal families spending a month or less for a family of 4. We live in San Francisco, and the two of us spend at least a month just on groceries. Neither of us buys any food at work, and I plan all our meals in advance for the week calculated for leftovers to take to work. If we eat out at a non-fast food place once a month, that raises our total by at least It is a very expensive areamuch more expensive for basics than where I lived in Texas for the last 20 years As a side note, I am 27 and have been lurking on the simple dollar for about a month, and it has really really inspired me to change my habits and worldview of money and wealth. According to options US government, it only takes 80 per month, per person to eat a healthy nutritious diet. This does not include things like alcohol, toothpaste, toilet paper, pet foods, etc. The figure only includes things intended to be eaten by humans. Where did I get this figure from This is how much they give people on Food Stamps. About years ago when my family was on Food Stamps, I actually got yelled at by my case worker because I wasnt spending the full each month to feed my family of 3. This was in spite of the fact I was splurging on things I wouldnt have considered buying before, and my cabinets, fridge amp freezer were packed full, and I even had a laundry basket loaded full of snack foods yeah, I know, but they told me I had to spend it and I didnt know what else to buy. The surplus just kept growing amp growing till I had to start giving away stuff to the local food pantry or face my apartment being so full of food it wouldnt fit my family. I even started shipping coffee to online friends that were college students, that couldnt afford any to keep themselves awake, to study for finals. I have no clue how to spend an amount equal to month on food, unless I invite all my neighbors over to help me eat it all. Im sure the cost varies by location. And it also varies seasonally. More fresh produce available in the summer. We also tend to eat lighter food now than in the winter. Also, here in FL, we dont keep our freezers full during Hurricane season. So we dont stock up until late fall. Lose power for just a day or 2 and youve thrown away hundreds of of food I live in Minnesota where we have a very short growing season. Im trying gardening to stretch our food budget about for seven of us, with extra visitors to feed usually 4 days a week. I love to shop our whole foods co-op and farmers market, but rarely do since they are too pricey. Ive found mostly local, no hormone, free range chicken and beef not always grass fed since we have a lot of winter here that I buy from local parties and stock up. I have 2 upright freezers. I buy local raw milk 2016 2. I buy day old bread from the organic bakery and freeze them, along with muffins. Being a single parent, I try to combine shopping trips, stock up, and freeze to cut down on costs. This year we went to pick your own berry farms. I froze the berries to later make jam. We try to limit refined foods, and since Ive made that change, the variety of my purchases has become much more limited to shopping the outside aisles of the supermarkets. I think someones budget depends a lot on their location and whether they buy organic or not. I hustle to find deals, but rarely can use coupons anymore because they usually are for highly processed foods. Im always taxes for ways to cut costs, so Ill continue to use this site. For some folks, giving up perceived quality is simply not a good ROI. It really comes down to that. I found a feed-your-family-forweek on Hillbillyhousewife you use all reconstituted milk, lots of maccheese, tea, corn-based 2016 goods. Not a terrible diet as it includes lots of veggies and legumes but DH would be miserable. Making peace in the family for us means spending a bit more on food. Its the one thing we havent completely cut out and for my guy if I give him ravioli twice a week instead of beans yet again hes much nicer to live with Our compromise is I get the ravioli from Costco half the cost of Vons here So Cal. I just cant see good food being considered any kind of vice, unless it is costing you longterm goals. It makes a BIG difference for some folks in their day to day well being. In the Im-cheaper-than-you olympics, this one isnt necessarily worth winning. Frugal Dad, Trents budget isnt much less than if he took his family out to eat every day. It averages to 26day. My husband and I could eat at a sit down place every day for mo. Add in another 50 for lunches and breakfast at home. True, that doesnt include kids, but at their ages, they should be only eating a few ounces of food off their parents plate. So Trent splurges on a few items with his groceries. He admits to liking to eat well and buy the occasional bottle of wine. I see nothing wrong with that since the cornerstone of frugality is to not spend on things that are unimportant to you so you can spend on those things that are. Could he spend less on groceries Of course, but it would lower his quality of life. To aim to spend the absolute minimum in every area would not be living frugally but living miserly. I think Trents numbers make perfect sense. I was thrilled when we cut our monthly grocery budget in half from 1, down to per month. That does NOT include eating out, which we no longer do. Were vegans, so we dont buy expensive meats and we no longer buy organics. No alcohol and no junk food. We shop at Food 4 Less, Dollar Tree and Trader Joes and we stick to a strict list. We even grow a lot of our own vegetables and Ive been experimenting with baking our own bread, which is what originally led me to The Simple Dollar months ago so far, just baking a few whole-wheat bricks, but Im not giving up. I would use coupons if I could find any for healthy items, but most seem to be for unhealthy convenience foods. I wont compromise my familys health to save a few bucks. Any tips would be appreciated. I live in the heart of Central California and we have no fewer than five weekly Farmers Markets nearby. However, they are MUCH more expensive than the grocery stores and seem to be geared toward the trendy and affluent. Why produce grown a few miles from me costs four or five times more than produce grown on another continent and shipped thousands of miles is beyond me. Very disappointing, which is why I try to grow much of my own organic produce now. When I read posts from people who spend a month for a family of 6 and that even includes a few meals out, it makes me wonder what Im missing Thanks for pointing folks to the USDA numbers. I often reference this site when helping folks set up budgets. They often underestimate how much they spend on food or need to spend on food. For example, my friends husband wanted her to spend mo on all grocery items amp household goods soap, tp, etc. USDA thrifty plan is for them and that is just for food You can see where this caused some problems for them especially since he is over 6 ft tall, in the military and trying to gain weight I still think is awfully high. We are a family of 3 3-year-old, me and my husbandand we spend between a month. We buy one weekly whole chickenits amazing how far you can stretch thatand eat a lot of rice and beans. Like Trent, though, we love nice cheese and wine, but unfortunately dont splurge on that stuff as often as wed like. I still think is a LOT of money. Putting it in perspective: Trents numbers are 2. If the kids didnt eat anything, it would be 4. It can be done, cheaper. What a relief to see those numbers I was feeling like a failure because my husband and I spend a month on food. We brought that down frombut it still felt like a lot. Five years ago we were both Jesuit Volunteers. We had a budget of for six people 70 a month eachso I was thinking that for two people we should easily be in the under But now we eat meat and enjoy cooking fancy meals once in a while. I have found that our local Farmers market doesnt save any money. I think your numbers are right on, even for the children being young. It is just me, my husband and an infant on some baby food, mostly formula and we probably spend the same as you. I like to think I am frugal with the grocery shopping, as I use coupons, work CVS for the household goods, buy the formula at BJs, etc. I think youll find that a lot of the readers that are shocked at your spending are the ones using the grocery game to get free boxes of macaroni and cheese to feed their families. Not that you would, but dont let them upset you. You are obviously doing a good job in all of your other budgeting areas. Wow We have 2 parents and a 18 month old and squeak in between and every month. Granted, we are students and take advantage of every mooching opportunity for free food we get, it cant have that much of an effect. Maybe we just eat boring food all the time I didnt think so, but hey, I dont know anything different. There seems to be a lot of criticism about how a frugal person could spend so much on food. I could eat for free if I really wanted to, by picking perfectly good food out of the dumpsters behind the grocery stores. I could feed my family off the dollar menu at McDonalds. But frugality isnt about giving up quality of life. Its about expanding your quality of life making your purchases meaningful, and stretching your dollar so you can get what you want for mileage. Some people have a priority to spend the absolute smallest amount possible on food, and you absolutely can do that if that is your priority. But, my priority is eating healthy, organic, local, fresh, and delicious food. Im not going to punish binaires body for the sake of saving a few bucks. There are certain things I am willing to do to save money like fewer restaurant meals, and vegetarian options. But, its about making the changes you are willing to make, or getting the same thing for less money. Not abandoning your standards and basing everything on price. People also seem to be up in arms that Mister Frugality Expert seems to be unable to pare down his food bill to something you deem as acceptable. But just because he is offering options and tips for saving money on your groceries, doesnt mean that these are the things that he personally does, or that they are going to work for everyone. I personally wont touch coupons. Its cheaper to buy food that is not pre-packaged. But you will find plenty of people who clip coupons and save money on their groceries because they base their shopping list on the sale items. Its all about what works for you. Yepthis is one of those topics where Your mileage may vary. But as I read people throwing our their numbers, we must note that there is a huge difference between a Food budget and a Grocery budget. In an ideal world, we would track our food spending 2016 from the household goods. In reality, I buy food and groceries from the same stores and I dont want to take the time to parse out the separate categories at the end of each trip. I shop times a week. So I lump it all togetherfood and household stuffand run a month for 2 adults and 2 teens. Wed be where Trent is if I bought better meat and more organic. Continuez votre bon travail. I think the USDA numbers are high. I remember before my husband and I got married during the financial part of the pre-marriage counseling we talked about these numbers and I told the leader we would be under even the thrifty section and he said it couldnt be done. Well, two years later were still under the USDAs numbers. We eat meat in most dinners, eat a lot of leftovers and many fresh fruits and veggies. Our meals are based on what is on sale at the local grocery store and we clip coupons. I think its possible to eat for less and still eat healthy. Sorry, but that is nuts. My family of 4 one being an infant spends less than per month, and we live in Europe. We eat great, meat every meal, very balanced, no corner cutting. I budget but have been spending more towards in reality I need to both increase my budget and reduce costs I have a 15 year old football player, 18 year old girl, 12 year old girl, 10 and 8 year old boys. I also feed my daughters boyfriend most nights. Most weekends we have kids friends mostly teens that we feed. This is why I am over budget. My 15 year old has football practice for 3 12 hours each day and comes home starving. He will eat 4 sandwiches at one sitting. I buy stouffers meals for 1. We are trying to get calories in him so he will bulk up some. My daughters boyfriend also eats a lot. It is true that buying the health foods costs more and although I try to cook from scratch we do eat worse that if I had money to buy all the organic stuff. I cannot afford organic. I have a garden and am learning to grow some food. I bulk buy produce and meat on sale. I use CVS and combining sales and coupons and buy snack foods and brownie mixes and stuff that are not as healthy but they are almost free. I am the only one overweight - the eye doctor even complimented me that all of my children were of a good normal weight. He said he sees so many fat kids. I dont like all the preservatives in food but I cannot go overboard with it - I can only do so much to cook from staples and mix that with adding some boxed stuff when we are busy. It is good that Trent has the choice to spend more for healthier options. His budget seems high, yes, we could all do it cheaper, but it comes down to the choices we make in what we do with our money. When you live without debt and have more money you can choose what things are important to you and spend more in some areas and less in others. I choose to be a home where kids are welcome and being southern that means feeding them while they are here. The kids love to come here and I love knowing my kids friends. I would rather put a little more money into our food budget so that I can feed them than have them feel unwelcome or a financial burden. Dale, youd be surprised, I think, on how mooching free food can really make a difference. I am around a lot of grad students, so I see it In fact, I used to have a lot of mooching opportunities at work. They have ended now, and my food budget went up. Free tea, free leftover pizza from a business meeting, maybe a taxes leftover from someones breakfastmy husband gets free soda, and at least 3x a month leftovers from someones meeting. I keep a specific grocery budget, and track only food. This includes buying a soda or a bottle of water while running errands, but doesnt include pet food or vitamins. Looking at the link, I spend above the moderate cost plan but well below the liberal plan. I know that my grocery budget is high and that I could spend less, but I make the choice to buy some higher quality, more expensive items, and it sounds like that is something Trent does as well. Im impressed that Trent also gets a few bottles of wine into that budget, which can easily tack 40 or more onto your monthly food budget. That includes Tillamook cheese and ice cream: But all the rest is from scratch cooking and cooking for the freezer for the leftovers for lunches etc. This is NOT a cheap area. I go to Costco 85 miles away about 3 times a year for bulk flour, rice, beans, cornmeal, powdered milk, etc. Just use the newspaper coupons nothing fancy and few rebates. ONLY buy when something is on sale, and stock up Thats the secret. Seems like no one is factoring in the fact that he buys organic and free range items. These are usually much higher costs than the regular produce. Also if he is eating a healthy, whole food sort of diet again costs are higher here. If he were to throw organic, all natural out the window and begin to shop with coupons for ridiculously unhealthy processed garbage like Hamburger Helper for 50 cents a box then I bet he could get the grocery bill down to under month. But why would any sane person want to do that Less processed garbage means less medical bills healthier person. The average family also spends a lot on groceries that are actually expensive pre-prepared meals, if frozen. If you actually by ingredients and prepare meals yourself, you can save a TON. Now a lot of working parents dont have time to cook, and thats fine if your time is more valuable than the money you could save doing so. But if I had a family of four I would cap my monthly food budget at but I dont buy any drinks besides the occasional milk and I dont buy a lot of snacks or desserts either. My SO and I who live separately, me in upstate NY, him in western PA each spend nearly half of what Trent spends, just for one person. And, Im only counting food, bought at the grocery store. I consider myself fairly frugal. I buy the cheapest product that doesnt suck, and I use coupons when possible. I also do not buy organic produce. I mostly buy fresh produce my lunch every day is a saladdairy products yogurt, milk, cheeseand tofu. And Im still spending per week. My SO spends a bit more than that, maybe more like per week, but he also buys meat, some organic stuff, and the occasional junk food. Neither of us buy things like frozen meals or other convenience foods. I really dont even know what we spend on food. It isnt that I dont try to keep track, but I have a check card for bills and one for groceries, my husband has a card for each of these accounts as well. So sometimes, to offset a huge and unforeseeable electric bill, replace a cracked windshield, have an injured 2016 ill pet go the vet, have to call an electrician, etc, we may need to dip into the grocerygeneral expense account more than we want toshould, or even have to dip into the bill account which means that after all is said and done, there is very little if any, left in either account to go into extra savings, or into a vacationhome improvementetc account. We are a family of four in Suburban Atlanta. I am a stay at home mom, my kids are 8 and My husband makes somewhere in taxes kk area, which after taxes, k, healthcare and dental coverage, and all the rest that most of us know gets funneled out of each paycheck plus the cost of gas, oh the gasDh has a long commute and thanks to the housing market, we dont have close to enough equity anymore to be able to move further into the city near his job if we could even sell the house anyway, no one has sold a home in this area for almost a year, and not for lack of trying. His car is virtually costing as much as us to feed, just so he can get to work. It is just a mid size sedan, not a Hummer or anything. So basically, it is incredibly hard to figure what exactly we are spending on FOOD. Considering that there are nights my husband gets home too late for me to cook the dinner I planned, so he picks up something on the way home. Or the kids eat the tomatoes and cheese as a snack while I am in the shower, and so dh has to stop and grab replacements on the way home, and with our luck, the store will be out of at least one of the things I needed, so one of us ends up going thru a drive through for dinner that night. While dh is still in the store, he will grab some diet coke, maybe some beer, or if I have PMS, some chocolate ice cream. On top of that I will realize the dogs are out of food and the cat litter is getting low and call him to tell him He remembers that he needs shaving cream and grabs it Maybe he used the grocery card, sometimes the bill card, depends on if we are seriously close to being out of grocery money or not. If I had to use some grocery money on an uncovered rX, or to buy socks, shampoo, and underwear for the kids, a birthday gift for the party they are going to, some vaccum bags, or even a new vaccum because ours started smoking and repairing it costs almost the same as a new one those things would have all come out of the groceryexpense account, and therefore it maybe low, so borrowing from the bill card would be needed, assuming we know and usually do that we have a cushion in there, that if we are lucky can go into savings at the end of the month. Therefore, next time we go to see what we are spending, we have no idea what is going on. I know I usually get out of the grocery store spending about for most of weeks of food I say mostly because they are always out of the one key ingredient that I needed for a certain meal, because fresh fish and produce needs to be purchased within a few days of eating, so if we have Salmon and fresh asparagus for dinner, it needs to be bought within a day or so of when we are going to prepare it. We try to eat fresh fish at least twice a week, and fresh vegetables every time I cook except spaghetti or cheese burger nightsso going back out every few days or so, or having dh stop and grab those items, means I dont know what that week may have run us until it is said and done, even then all I have is a vague idea. Even then, if I get a migraine there is no one else who can boil water here, so in comes more take out. I just cannot seem to get a good idea on what we spend on food, and thus I cannot decide on a budget amount, or have no idea if I am sticking to it or not. The last time I was grocery shopping at Walmart, we were out of vitamins, advil, almost all our cleaning supplies, and other necessities. I spent close toand that only included breakfast for the kids, lunch for me usually a Weight Watchers Muffin or a bowl of Kashi per dayand about four to five dinners. So it looks like we spend a ton on food, but I know that alot was spent on non food necessities. Does anyone else have issue with trying to grocery budget because so much bought at the grocery store are non food necessities How do other people figure that What about finding that after extensive meal planning, the store did not have the last ingredient needed for one or two meals, therefore you come up short on meals or have to make a special trip 2016 those items and it not only gets confusing when you look at your spending, but also costs more because while at the additional store, some one will call and say we need milk, dish washing soap and toothpaste Pet food Toilet paper Do I count that in the budget, or not If not, how then do we find a good way to budget those items, separately from food, even though they are bought in the same transaction as the food, and came out of the same account Also, I see a lot of people saying that they are taking a family of four or five out to eat for a per month Where on earth can you take a family of five, just once for underunless it is fast food. When my dh and I take the kids out it ranges from depending on the restaurant, and averages 80 including tip, excluding fast food or all you can eat or cafeteria style restaurants that is for us to eat out one night No, we are not eating lobster either. We do try to eat healthy. Try to choose organic if possible. Always try to get the all natural super lean meats. What are people eating that they can spend so little at the store What restaurants are you going to that you can take the whole family 2 or more times for a grand total of I use coupons, buy in bulk when needed or smart, usually buy store brand if the quality is good and the product is nearly identical to the brand name. Also, my husband eats out every day for lunch. He says that taking lunch is not an option and has a thousand excuses for why. Sometimes he uses cash, other times the grocery card. I know he pulls a lot of cash out, but often I dont know if he bought gas, his lunch, or my missing groceries with it. By the time we meet to discuss it, he doesnt recall where the cash went exactly, so I dont know what percent of his cash withdrawals are on food. He often has to attend business conferences where he has to pay cash to park - in one of the many fine Atlanta parking lots that charge you 5 on a good day, but upto 20 on a busy day where demand for parking is high. I dont like to harp on him because since his last promotion, he works hours a week, and I feel bad telling him that he cant pull out cash so he can eat at the deli across from his office, or that I need receipts from everything he is struggling as it is trying to get sleep in, let alone worrying about every receipt. We do like wine with dinner 4 days a week, give or take a day. We almost always, with little exception get a bottle over 12, and strive to spend most of the time, as we do have access to some great wine sales. A bottle lasts meals depending on whatever. It sounds out of control, and it is How are you all doing it Does anyone else have issue with trying to grocery budget because so much bought at the grocery store are non food necessities How do other people figure that I actually buy very little non-food at the grocery, because its generally cheaper at Target. However, I keep a list of how much I spend on each grocery trip, and if I bought something other than food, I make a little note with the cost. As for eating out inexpensively, it can be done, but it really depends on where you are. My city has a fantastic selection of restaurants, some of which are relatively inexpensive but still yummy and fairly-healthy. At my favourite Mexican restaurant, two adults can have a delicious, filling meal for under 20 slightly more if we get one of their giant 8 margaritas which is enough for two people, especially if one of them needs to be able to drive home afterwards. Last night, 40 paid for dinner for three adults plus leftovers for my lunch today at a Chinese restaurant and I mean good Chinese. I mean, yeah, there are certainly restaurants here where you can spend upwards of 40 for two adults, especially if youre drinking, but I try to balance it out with the less expensive places every so often. Judging from the responses on this list, I dont doubt a lot of people are sacrificing qualitytaste and eating so cheaply because theyre going to diners or chains. But you dont necessarily have to. I can claim no credit for the low figure, thats all due to my wifes aggressive couponingbuying primarily loss leaders, stocking up when things are free, etc. This is in southern CA, where the cost of living is pretty high. Local supermarkets have stopped doubling coupons, which will definitely affect us. There was this one time they tripled coupons for a promotion. Oh, man, what a day we had We did the research, and went through with two carts heaping with merchandise. Total before coupons must have been at least The sizable stack of coupons took some time to process, so I was standing around, credit card in hand, waiting for the actual total. Which turned out to be something like 3. Bemused, I dug into my wallet for a few ones and handed them over to the patient clerk. I dont know if well ever top that, but luck favors the prepared. It does take research. I might add a couple of points to my previous comment: We eat quite well, thanks. We have occasional meals that are quite inexpensive spaghettiand occasional meals that arent prepackaged, for example. In my opinion, as long as you know where your money is going youre way ahead of the average, and really on the right track. Trent, you guys should try couponing for a month, in the spirit of the one month trial concept. Im sure theres tons of commenters that could get you started. You dont have to commit forever, just try it a month. We eat on a week depending on if our staples are on sale. Family of three and a neighbor who visits for at least 3 or so meals a week. We buy 98 organic and our meat we buy free range-vegetarian fed if the organic meat is not on sale. I found your blog because I was searching for the government link in your post. I wanted to see where we fit compared to the average family of five. I agree that buying organic, fancy cheeses, and wine will definitely increase your grocery budget. If you were on a tight budget, those kinds of things would be the first to go. My family is on a tight budget so we do not buy taxes. However, I do buy hormone free milk and provide my family with a nice variety of healthy, home-cooked meals. That said, we spent this month taxes all food, household products, and baby products diaperswipes for taxes famly of five. In addition to that, we spent 70 to eat out three meals and 20 to take a friend out for a birthday dessert. I guess that means Ive succeed in living frugally. We eat very, very well healthy food and spend maybe a month for 3 people. I do the same as a previous post aggressive couponingbuying primarily loss leaders, stocking up when things are free yes you can get groceries healthy very cheap. Where I live there are no double coupons and I regularly get off my bill with couponssales. Its all in the planning and knowing your prices. I simply cant image spending that much money a month. Quote from The Simple Dollar September Once I understood my budget both in and out, I put strong caps on all of my frivolous spending. I allowed myself to spend a bit on entertainment, but I strongly budgeted it. I also began to cut down on frivolous spending even on things like groceries, where I taught myself how to shop in a much more frivolous fashion using tools like coupons and shopping lists. How quickly we forget. Trent, if you used coupons in why did you stop I live in the Midwest just quit my job in March and am trying to feed my family on a budget. We are a family of four wtwo teenage boys adds to the bills For food including all work lunches and school lunches which I pack at home, I have averaged about per month, so I think Trent is about right. I use coupons, shop store specials, etc. We eat meat about nights per week. Two under three years of age and my husband and myself. And I figure that we spend at least a month at the grocery store. Plus we probably spend another 50 eating out a month. It is hard for me to believe how people say they spend so much less. Especially with more people in their family. I guess I have alot of food allergies, so some of the foods I buy are more expensive. Like quinoa is a staple for me cause I have a gluten intolerance. Most of the really cheap foods I am allergic to like eggs, bread, peanut butter, tomatoes, etc. But we still stick with low cost, but healthy foods and dont buy junk foods. We also drink mostly water. We eat lots of produce, meats, and whole grains. So for a family of four seems about right to me, and when my little ones get older, we will be spending a little more. Im always looking for ways to options money in my grocery budget. We spend a week for our family of 5. It could probably be lower, but we do love to eat. You spend that much because you have it to spend. I am a single mom w 3 teenage girls to feed. We bring it in at month. After a breast lump, I was told: I think if we dared buy the cheap milk and the cheap meat i could bring this baby in at WAY less. I bake the weeks bread every weekend, thats a way to balance out the high cost of organics. I dont use coupons cuz we only buy bulk. And the bottom line isI JUST DONT HAVE MORE MONEY EVEN IF I WANTED TO SPEND IT. I only use cash. Also, my grocery bill includes TP, printer ink, kitty littercatfood, laundry soap, light bulbs. My godsend is the extra freezer I bought years agobuycookfreeze in bulk. Theres always food in our house ANDwe virtually never get sick and were slim n healthy too. Wow, Trent, Im not gonna say you spend too much, but I have never had that much to spend on my family. I didnt see the first article, but does this just include food OR is it petfood, cleansers, toiletries, etc. I agree wLalina you have it, so you spend it. We NEVER eat out, dont have a garden lots of times I get it from the mark-down bin in the produce dept. I dont want to sound like a reverse snob, but I guess since we dont have the money, my kids expect very little as far as steaks, or fancy foods Its just a lifestyle thing. If this is budgeting for you and your family, then great I think alot of people cant do it, tho Some of you are clueless the cost of living varies depending upon where you live. Two adults and two boys are probably going to eat more than two adults and two girls two adults who have small frame and possibly work in an office are going to eat less than two adults that might work in construction the average is from all areas so sure, some will make it on a month while some might need a month anyone here have teen boys that play sports. I really appreciate your sharing this. I was beginning to feel guilty about my grocery budget: When reading a lot of websitesblogs about this subject, it seems that many people spend a lot less on groceries than I do. However, this is a conscious decision I have made for several reasons. First, I am blessed with the income to be able to spend that amount and still have a very good amount left at the end of the month to go toward my debt. Second, I am prioritizing my health and weight loss and therefore I would prefer to eat a lot lean meat and fresh produce and very little breadscerealsstarches that dont really fill me up rather than save dollars a month. Third, I have also made a conscious decision not to spend several hours each weak clipping coupons, looking for deals, and shopping because options other things such as having time for exercise are more important to me. I do buy most of my groceries at Aldi so I buy the cheapest possible of the things I do buy and I do still try to buy the produce and things that are on sale, but I just dont spend hours poring over coupons and sale papers. Fourth, I do spend less in other areas to make up for it. That said, I think your amount is very reasonable and it is a very personal decision based on your priorities and goals. I dont think being wise with your money means spend the absolute least amount possible in every area it means consciously deciding what you value and what is important to you how much its worth. To me, its definitely worth an extra month not to spend countless hours chasing every grocery deal and to be able to have very healthy, convenient foods available for myself. I like your budget number because it is a lot higher than mine. However, I think that unless you have diapers and if you use it formula in that calculation, you probably could count your children as one adult, which would put you a bit higher than average. For me, frugality in the marketplace is KNOWING that you are spending more for a given option, and deciding that it is still what you want to do. I have seen people just blindly saying this is whats on TV, has the best, brightest packaging, or is just in front of my hand and end up paying a lot more for identical items. Likewise, I have a friend who would die if she had to use margarine instead of butter and another who wouldnt dream of hand-me-down clothes for her family but they both know the costs of those choices. I think a lot of people leaving these comments have a difficult time with math. That breaks down to 13day for the family, 3. It costs more than that for a head of lettuce and a tomato Were at about month. That is a little less than 9meal for 4, which seems pretty cheap to me. We have a total of two adults and two children we have a total of a week for gas, necessities and foodwe dont buy any junk food, no can or boxed foodwe buy meat, veggies, fruit, grain bags you have to cook up lentels, bean, etc. We spend aproximately per month. I would need to track the in-between stops for bread and milk and add the school lunches I allow them to buy. And now I WILL. I have learned alot here. You think your doing something right and then BAM I almost had it right. I never by ANYTHING that isnt on sale binaires that I dont have a coupon for. If I really HAVE to have it I will buy the storebrand. I can see now that this is only a good beginning. Something I have noticed, the cheaper I buy the heavier we all get. When I prepare meals that include lots of fresh vegitables and fruit my grocery bill is higher and dramatically so. The local farm market is not much savings at all. We are talking cents per month. BUT I am trying to grow my own, seeds are very inexpensive. And I have a groundhog issue. The figure above does include toiletries and cleaning products. I stock up when these items are on mileage and I have coupons at the same time. I will be taking bits of informationfrom here to help reduce my monthly grocery bill. Taxes saw some great ideas. I am going to try. WOW - I got on this website to get some money saving tips. After seeing this I think I should start my own site. I have a family of 6 and my budget is mth. That includes all of our cleaning and paper goods too shampoo, laundry, hygene, dish det. Even if we went out once a week at 50 each trip my amount for 6 is considerably lower than Trents. I did look up the amount we would get for food stamps if we were unemployed and for my famiy size it would allow up to mth just for FOOD. Do we wonder why Americans are so fat and lazy. GYM CHICK 97 says: I could definitely see spending over a month on food, however, our new rule is everything must go before we food shop. Ill buy basics milk, eggs, bread, peanut butter but thats it. Once snacks are gone thats it Weve gone from soda to sparkling water at 0. My food bill went from the over to about a month. We all take lunches to workschool. We only let them buy lunch on Fridays when its pizza day and that money comes from extra change during the week that gets put into a jar. I could spend upwards of 50 a week on food at work if I bought lunch Im definitely getting alot of helpful tips from this website Glad I stumbled upon it. Quick update for me. Family of two in Minneapolis, all toiletries included, about 45week we eat almost exclusively at home. I suppose if we had two younger kids, wed be looking at perhaps month sounds really insane to me unless you live on the coast or something I live in Minneapolis too, and we spend about mo we only buy local freerange meat amp grassfed milk amp butter, which is more expensive but 1 we can afford it and 2 I grew up downstream of here and dont to be responsible for manure spills anywhere. Its totally possible to spend less when I was a stay at home mom we spent about 13 less on food same amount of cooking and before that we were pretty much freegan for a few years in my grocery budget was 50mo for two people. But that doesnt mean you have to. I think the commentator who said Trents family is eating the liberal meal plan on the average budget is spot on. I have a family of 4 in New York. I clip coupons and closely follow the sales in the store circular. Its rare that I buy anything that isnt on sale. I buy a ton of fresh produce. We eat a lot of meat but I am working hard to get more vegetarian meals into our diet. I recently let my warehouse club membership expire because I can mostly get the same good prices at the regular grocery store, although I have to pay more attention and wait for the sale to come around. I use a breadmaker every week have not bought any store bread since June only hot dog rolls, although I really should try them with dough from the breadmaker When I run out of yeast, I will go with a friend who has a mileage club membership because the yeast there is WAY cheaper than the little packets in the grocery store. I use a credit card have never carried a balance and every so often I can redeem the points for a grocery store gift card. My monthly bill is about and that includes all toiletries, cleaning supplies, medicines, soaps etc. Does not include cat food, I count that separately. Dont dismiss the infant. I assume food includes formula or infant food and those things are really expensive. We had twins and couldnt wait to get them off formula we were going through a large tin a week 25 30 a tin. If food also includes non-food baby items wipes, diapers etc. A lot of this sounds like people who are overweight saying I really dont eat all that much. I can make six meals on one chicken, if I want to 12 breast for stir fry, the other 12 for fried rice, 1 leg and 1 thigh for enchiladas, etc etc etc, ending with tortilla soup from the carcass. May I suggest that Trent try a month with a options food budget and see what happens I spend about a month to feed people, most of whom eat like adults. That averages to less than mo for the average family of 4, and I feel pretty good about that. I think one commenter, above, probably said it right that Trent is probably managing a liberal meal plan at a moderate price point. If I had to go cheaper with my food budget, I could. I think would be doable. But when it comes down to it, Im not willing to sacrifice THAT much. And fortunately, because of frugal choices in other areas, I dont HAVE to. The really cool thing to realize about frugality is that is about HAVING choices. Being frugal in some areas often frees up the budget in areas where you are less willing to compromise. The trick is to make choices that work within your own budget. I have a hunch that Trent is doing just fine at that. Mary, mom to many author FAMILY FEASTS FOR 75 A WEEK Several people here have said that it depends on where you live. Since Im retired and could therefore live anywhere, Id like to know where the absolute cheapest place is I dont think a month is that outrageous. Most of the stuff we buy rarely if ever have coupons. We try to eat from the local food shed when we can. Its worth it for us to spend more for quality food. When a teen age boy can taste the difference in the eggs from the organic pasture raised chickens then I know we are on to something. We choose not to spend money on new cars, lots of toys, or cable tv, for example. Its all where people decide to prioritize their spending. Food budget definitely depends on where you are in the country mid-West suburban in a temperate climate has so far been cheapest for me as well as how you shop and what you are willing to sacrifice. My husband and I buy generics whenever possible. We recently increased our budget from 50 a week to 60 a week since Im pregnant. This includes pet food and litters for 2 cats as well as paper products. We eat well, with plenty of meat, but are not into fancy meals, since my husband usually cooks at least half the time. We eat tacos, casserole, hamburgers, chicken stir fry, spaghetti, or breakfast for dinner He eats lunch out twice per month, and we usually eat dinner out together twice per month. I figure the cost of cooking those extra meals at home would be marginal if it were necesssary. He also buys 2-liters of diet soda a week. Milk in our area costs 2 a gallon and we can usually find hamburger for 1 a pound on the clearance rack and we cut up the larger packages, repackage, and freeze them ourselves. Why are we doing all this since right now we make 80, a year We recently paid off his student loans in less than 3 years 40, and plan to live on just his income when the baby comes in August. Is it for everyone No. Does it take sacrifices Yes. Do we eat healthy, filling foods Absolutely. No vegetable garden yet, since we live in an apartment, but definitely looking forward to that when we get our own home we have 30, in liquid savings for a down payment, vehicles, medical expenses, emergency fund. And yes, we usually stick pretty close to the budget we were 7 under last week and 10 over this week, but that included enough toilet paper and paper towels for 3 months. We do buy brand names when on sale and when the quality is better I cant do generic toilet tissue, I use Charmin ultra strong and can usually find a really good sale. I would love for those who are feeding a family of four for mo to give us a food plan, Id love to see what they are buying and how much they are spending for it. We are a family of 4 and Ill tell you, Im not sure what we were spending, but Im sure it was mo. I was making some things from scratch some times, but my goal now is to make taxes much everything I can from scratch mayo, mustard, the works. Id love to get our food budget down to mo. Wow this is quite a discussion We live in an expensive area for food-the equivalent of a gallon of milk is almost 8, which I think it pretty high. Meat and veggies are bad, too. Unfortunately, the things Im trying to feed my family more mileage fruits, veggies, binaires meats, fresher anything are the things that never go on sale and NEVER have coupons available. Coupons just seem to be for junk. No farmers taxes closer than an hours drive away - and if you factor in the 30 min. I used to think I did pretty well on grocery spending until I really started tracking every purchase. Those quick stops for milk and bread really add up Im learning to keep costs down by planning meals and shopping less frequently, but I still throw out too much gone-bad produce I buy vegetables with the best intentions, but nobody here likes them, even cooked really nicely and too many leftovers. As for Trent, hes always saying that being frugal means you have money to spend on whats really important to you, and for him, food is clearly it. I dont think this revelation undermines his message. Hes doing what he loves, enjoying his life without going into debt to do it. We live in Nebraska, a family of four soon to be five. We spend a month. We eat mostly produce based pastas. I cook every night, we rarely eat out. We do buy organic milk. We dont usually buy processed foods. My husband and I are very frugal, so when we moved, he disputed my monthly budget amount for groceries. We spent the next month saving every food related reciept groceries, fast food, etc. If you do ittoo and are honest with yourself, you will notice how those small midweek trips add up. So I think the average is right on. I wont feel guilty for buying healthy food for my family, knowing that we eat and not let go to waste. However, I wonder if the national average is based on grocery bills that are full of cheap processed foods. I have a husband who works construction big eatera mom, an infant on formula, and myself. All of our groceries plus Enfamil formula plus diapers and other toiletries runs about month here in Minneapolis. We dont eat out often, and we all bring lunch to work. I have mixed feelings about the average figure reported in the post If you are feeding your family of four on a month while buying local, organic, hormone-free food, Trent, you are doing very well. I would wager that the average moderate family of 4 is not spending the on items that are as healthy. I have been on both sides of the fence on the issue of how much to spend on food. I have a family of 4. We binaires a 7 year old and a 3 year old. I used to spend a month using Aldi, Walmart, and Kroger to get the maximum amount of savings possible. But I have changed my priorities recently. I have started going to a coop in town that sells local, organic, and healthful food. I have also joined a CSA and try to go to a farmers market as well. I dont buy much junk food and we make our own bread and pretty much every meal is from scratch. Our bill is a little closer to per month nowand we live in an area of the country where food is not terribly expensive. Organic food in the U. Thats why its so expensive compared to non-organic items. So for all of the people who have criticized you bc they eat on a smaller budget, their food might cost close to the same as yours to produce but Uncle Sam is subsidizing it mostly to farmers working for big corporations, and the independent organic farmer relies on only his customers to foot the bill. So, a persons grocery costs might not all come out of hisher individual pocket, but society is paying for it just the same. Also, Americans spend an average of less than 10 of their money on food. In Europe and Japan, its about They dont eat stuff laden with corn syrup. They are more healthy overall and have less medical expenses, too. Its good to be frugalbut not at the expense of ones health. Perhaps those of you who are feeding a family of seven on see 15 Salve Regina 5: Id like to see more responses from young families of four with two full-time jobs and two kids under the age of five. More information on jobs and age of children would be very helpful. All of these messages have been interesting to read. I am a single parent of 3 kids. My 2 adult kids 18 amp 22 live with me, as does my 2-week old grandson. My youngest child 12 is here to visit for the summer. I bring home after taxes amp insurance less than 18, a year, and my daughter gets WIC and in food stamps from the state per month and we make it on that. Our food budget right now is the from my daughters food stamps and I try to supplement our food budget whenever I can by doing cleaning amp painting jobs on the side. We do not have credit card debt, an expensive car 10 year old minivan or a lot of luxury bills. Wow, I just did a search on frugal shopping because Im struggling with my month budget, and found this. Im absolutely sure that is all that gets spent on food in answer to a couple old posts asking how people keep track. My husband tracks every penny spent and where it goes, and I never use more than at the grocery store I go twice a month and we dont eat out AT ALL. The food I bring home every other week is the only food we eat. My husband may grab a coke or candy bar at work IF he has changeprobably amounts to about 5 a year. PLUSmy budget which is for 2 adults, one 2-yr. So basically, my month budget covers EVERYthing that is not bills or gas for cars. For food itself, I probably spend about month. Which breaks down to just over a dollar per person, per meal. Oh, and I stay at home, cloth-diaper my infant, and cook everything, we have oatmeal for breakfast every day, weekends we get eggs or pancakes. Lunches are whatever is left over from dinner, and my toddler doesnt eat packaged snacky foods like crackers cookies juice etc. We usually snack on leftovers. Basically I buy a little meat, lot of grains lentils, barley, beanslot of potatoes, try to throw in some fresh veggies, and some milk, cheese, baking ingredients, and pbampj. I dont buy soda or candy or any packaged foods. I do garden, but as we live in high desert, it only produces some tomatoes which are cheap anyway and a few spices and some squash. Doesnt make a dent in my shopping. We have three kids 2 4 and I buy luvs diapers and only use pull ups at night. Two boxes of diapers and one large pkg of pullups and wipes is about 75 a month. We drink approx 4 gallons of milk a week. A bag of green apples might cost 3 on sale strawberries2. Now add in lettuce carrots potatoe corn and zuchinni. And that just fruit and veggies. I spend easily. Plus 50 a week in gas. Plus eating out clothes shoes and medical expenses averaging a month. I know because we charge eveything and pay it off every month to get bonus points. Im sure we could eat much much cheaperbut I value fresh veggies and fruit and outside of july and august here they cost a pretty penny. I spend about This also includes cat food for four cats, and two dogs, all paper products. We do use microfiber cloths a lot. Also includes dishwashing products and detergents. We eat well, and have a varied and healthy diet. I only shop sales, and use coupons where Options can. When I cant, I buy generic. I also rebate, when available. We always have a freezer full, and our pantry is over-flowing, most of the time. We dont drink alcohol or eat out. What we mileage at home is always better. We shop several stores within about a seven mile radius. We do have a small garden. I understand if people have allergies or medical conditions and cant eat certain foods. I do belong to programs where I get discounts on pet foods. I would love to have a budget or I would use the leftover money to add to our savings for said twelve year olds college account. We spend anywhere from on food per month for two of us in the upper Mid-west. I have celiac disease so the coupon packs that come with the Sunday paper are largely useless to us. I have to be careful with meat - a local grocer was selling chicken breasts for 1. This means I end up spending more for either brand names like Jennie-O that will label all gluten or for organic meats. It also means that it is even more difficult for me to eat at others houses or restaurants. All labels must be read at all times. Sale items are often off-limits and as a grad student I dont always have time to hit several stores to stock up on loss leaders. Special certified gluten-free flours are considerably more expensive than standard wheat-barley all-purpose flour. GF pasta is two to four times more expensive than standard wheat pasta. We dont fuss about organic butter and cheese, but we find that usually the organic milk keeps longer in our fridge, which is important because we dont go through it quickly. We cook almost all of our food at home since restaurant meals are like Russian roulette for me and we cook from scratch as much as possible, so we spend a lot on things like cooking oils, vinegars, spices and herbs. We buy GF grains rice, quinoanuts and legumes in bulk which save money overall but up the grocery tab for the month in which they were bought. It doesnt help that my husband has a hollow leg and will often eat half or more of a meal that was intended for four servings - he has a freakish metabolism and has yet to break lbs at We also like to have people over for dinner and tend to cook big dinners - much cheaper and safer than dining out, but that adds to the monthly bill as well. Given all this, Im totally okay with spending a lot on our food. Now that I know how to treat my disease, I dont get sick anymore. Im not dosing myself up with all kinds of pharmaceuticals to get through each day. Im not spending money on doctor co-pays only to be told I have no idea what is wrong with you Totally worth the expense. We have really struggled the past couple years with job layoffs. After literally having no food in our house and getting down on our knees begging God for food, we finally applied for food assistance. The first month we got and I fed our family of four better than I ever had before Food had always been last on my list. I paid all bills first and then bought food with what was left over which was usually not much. My poor active husband pretty much starved. I shopped at Save-A-Lot, Gordon Foods and Walmart and was able to make lots of casseroles and pasta dishes.
Les dangers des Options Binaires
Les dangers des Options Binaires
2 thoughts on “Options binaires taxes 2016 mileage”
Centered in New England during the 19th century, Transcendentalism was a reaction against scientific rationalism.
In this article we will attempt to highlight the reasons why we feel that SoJIA is perhaps not best retained in the company of JIA.