More Month Than Money: Tightening Your Food Budget While Feeding Your Family Well Print
Thursday, 9th July 2009 (by J.D.)This article is about Budgeting, Food, Frugality
The July/August issue of Countryside (one of my favorite magazines) contains an article from Tracy Rimmer about how she saves money on food. In the article, Rimmer mentions her website, New Century Homestead, where she describes her family’s quest for self-reliance in southwestern Manitoba. Her philosophy:
Homesteading is an attitude, an approach, not necessarily a lifestyle. We believe that one can start small, and still make a difference. Indeed, that starting small must be the way for most people to begin. Every effort that is made toward personal self-sufficiency, toward reducing our levels of consumption, toward making better choices for ourselves, our families, and our environment, must be a good thing. If we can accomplish these things economically, all the better.
At her site, Rimmer offers a free 22-page e-book entitled More Month Than Money: Tightening Your Food Budget While Feeding Your Family Well [356k PDF]. This document describes here approach to feeding her family healthy food on a budget. She lists eight specific techniques, many of which will be familiar to GRS readers:
- Understand the difference between “need” and “want”. Rimmer argues that many of us blow our food budget on wants. You can still enjoy the food you need without overspending on junk.
- Plan your menus. “Meal planning is becoming a lost art,” writes Rimmer. “But planning can take a little of the rush out of the equation. Having a planned menu that we can work from can streamline our meal preparation time, and save us money at the grocery store checkout.”
- Be flexible. You can’t always stick to your meal plan — and sometimes you won’t want to. Other times, you won’t be able to get the foods you need. Flexibility is important if you want to keep costs low.
- Explore the role of soup in your family’s diet. Rimmer is a huge advocate of soup. She says that homemade soup can be delicious, healthy, and cheap.
- Plant a garden. The author’s family has seven acres of land and over 6800 square foot for gardening. She grows most of her own produce. But she notes that even city dwellers on an average lot can grow some of their food.
- Prepare meals from scratch. Learning to cook can save you money and provide more nutritious meals.
- Buy in bulk whenever possible. Rimmer does a lot of “annual shopping”. She’ll buy certain items in bulk from local producers or suppliers just once per year (!?!). She’s able to do this because she has space. For the rest of us, she recommends shopping just once every few weeks.
- Prepare basic meals with simple ingredients. Ah, this is one area where my food budget suffers. Rimmer points out that we don’t need fancy ingredients, like six kinds of salt. (I probably have a dozen kinds of salt in the cupboard!) Stick with the basics and you’ll save money.
In More Month Than Money: Tightening Your Food Budget While Feeding Your Family Well, Rimmer outlines how she puts these steps into practice. She offers advice about stocking a pantry, provides several recipes, and lists three weeks of sample meal plans.
Rimmer shares her annual grocery list (which she says provides “mega-savings”), but she also includes a three-week shopping list for the vast majority of us who can’t stock up for twelve months at a time. (This reminds me of once-a-month shopping.)
This e-book is short but informative. If you’ve been struggling with your food budget, it’s well worth a read.

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July 9th, 2009 at 5:40 am
I want to start off by saying there’s nothing I love more than a bowl of chicken noodle soup in the winter. As for food preparation, my own personal philosophy is to keep it simple. I’m not picky at all, in the morning/before a workout I try to eat carbs. Then in the evening/after a workout I try to eat protein. For me it’s just as simple as that.
July 9th, 2009 at 5:58 am
While I don’t follow her exact method, I use a lot of her ideas to go shopping once weekly and eat almost entirely un-processed foods. By using it, we manage to eat in a way that is healthy, reasonably ethical, and reasonably environmentally friendly for an affordable amount of money (avg $120/week to feed a family of four). There is some more work involved, but not that bad, and it helps that I enjoy that sort of thing. I think it’s also helped to keep our weight down, despite the fact that both my hubby and I come from families where everyone is overweight.
I will definitely have to try a couple of her recipes!
July 9th, 2009 at 6:12 am
Planning ahead did wonders in our house. We now know exactly what we are going to eat a week in advance. This helps us only shop for the things we need for that menu rather than whatever happens to look good in the store. It’s really helped us stay within a budget.
July 9th, 2009 at 6:49 am
Downloading the e-book now! Over the last month, it feels like I’ve changed nothing about my shopping habits, but I’m spending more than I ever have before. Sometimes I get through the check out and see what I got for the $50 I just parted with and am completely amazed that food can cost so much. I’ve always thought of myself as a budget conscious shopper, but it looks like it’s time to take it to another level. At least I can say with certainty that planning meals in advance has helped me save quite a lot on the food budget - not necessarily by buying the right groceries at the right time, but by keeping me from going out to eat when I didn’t have a plan for something at home.
July 9th, 2009 at 6:51 am
My husband and I were discussing our budget last night and how we had a bit of a shortage. One of the places we are looking to tighten up is our food budget. This is a great read!
July 9th, 2009 at 7:05 am
JD…the picture that you had a few weeks ago of your small building on your property….that might make for a great place to stock up on once a year shopping!
Clean it up, throw stuff out, and voila…a great place to store canned items, etc…
July 9th, 2009 at 7:06 am
Planning a weekly menu not only helps the wallet, but it also helps the waistline. Well planned meals keep me fed and away from the high-calorie snacks and other mealtime derails.
July 9th, 2009 at 7:10 am
Skipping meat once a week can make a big impact, too. My wife has been vegetarian for just over a year now, and we get by (without really trying) on $40-60 a week. We don’t grow anything, just plan the meals so ingredients can overlap with what’s in season and on sale.
Plus, skipping meat has opened us up to other ingredients (eggplant! zucchini! orzo!) that we wouldn’t have tried.
July 9th, 2009 at 7:19 am
This is exactly what I needed right now, timing couldnt be better. Thanks.
July 9th, 2009 at 7:43 am
My only snafu with menu planning is that it does not normally include advice on snacks and only focuses on Dinner meals and not the other 2 meals of the day. While I’m sure many of the readers are still 9-5er’s figuring out breakfast or what to take for lunch for the day (when you are tired of leftovers) is a common challenge. Any advice from readers who follow these plans?
July 9th, 2009 at 7:52 am
I’m so sad to see that ads have appeared in your RSS feed ABOVE your own content. It definitely takes away from your message in my opinion.
July 9th, 2009 at 7:59 am
Re snacks: Besides the obvious (fruit, yogurt), I like:
- I always have a jar of mixed nuts in the cupboard. When I feel like snacking, a few cashews or almonds really satisfy—besides not giving a sugar high (that just leads to a sugar crash), they’re high protein, and have all those “good” fats that are great for your heart. The key is to just have a few nuts or a small handful at a time.
- Another great snack is individually-packaged low fat string cheese. I know it’s kind of processed and all, but my kids love it, the convenience means that it’s a feasible alternative to a cookie, it contains important calcium and protein, and it’s not just sugar. I eat them too! Not so good for those on low-salt diets, though.
July 9th, 2009 at 8:13 am
Buying bulk can definitely be a great money saver f you’ve got the time.
Rice, pasta, dried beans, grains all keep for a really long time. Buying something like 10 kgs (20 pounds) can last you the year or more. (Well, I guess it depends how big your household is. We’re only two).
These don’t even require to be frozen, so that leaves plenty of room in the freezer. And bought in bulk, they end up costing only cents/kg. (Actually, even non-bulk, most of these cost under a dollar per kg already).
The trick, if you really want to optimise your savings, it not to end up spending more otherwise. “Oh, I’m saving on this, might as well spend a bit more on that…” It’s a very easy trap to fall into.
July 9th, 2009 at 8:27 am
@Adrianne–I shop at the farmers’ market on Saturday morning and then on Sunday afternoon I cook enough to make most of my lunches and dinners for the week (although sometimes I do resort to ramen). I’ll usually freeze a few portions and thaw some previously frozen stuff, so I’m not eating the same couple of dishes all week. I usually have cereal for breakfast, and for snacks I have pecans or peanuts (unsalted) and raisins. If I’m really organized, I package those for the week on the weekend, too. They keep well and aren’t messy, so I can eat them at my desk at work.
July 9th, 2009 at 8:32 am
The big game changer for me was baking bread regularly. I found that I eat a lot more of it now, and it’s the staple around which I build most of my non-dinner meals.
For me it’s:
Breakfast: Oats, Toast from homemade bread with PB&J, fruit, homemade granola or occasionally storebought cereal. Some mornings we wake up early and cook pancakes or eggs (yes, weekday mornings).
Lunch is more of a challenge for me, I’ve found I can’t stick with a plan for lunch. Baking lots of bread on the weekend and keeping fresh fruit in helps, since then you’ve got most of what you need for a sandwich and fruits. I want to start making hummous and baking a ton of pitas weekly but I haven’t yet (starting from dry chickpeas, it’s not a lot of work but it’s a long process). These days I still eat out for lunch more than I’d like (and unfortunately the cheapest options are always the least healthy.
July 9th, 2009 at 8:43 am
JD’s many kinds of salt will last for a long time — I think that one way to ensure that you will keep on a frugal food budget is to include an amount for the flavorings and extras that make food taste better! We pay up for really good olives and capers, for instance, because you don’t have to use this kind of condiment in great quantities to get great taste.
I also really pay attention to serving size — a can of prepared beans (recently Slate had an article that argued that canned beans are as good for the environment as making your own from dry… and so in the summer when I don’t want the stove on for hours I do buy canned) has three servings. I used to just use the whole can for the two of us, now I freeze that last third of the can and then, later put those “extra” servings together for a new meal.
July 9th, 2009 at 9:04 am
@Adrianne … I have a list of easy breakfasts that are do-able on weekday mornings, and make sure my pantry/fridge are always stocked to prepare any one of them. The more breakfast is a no-brainer for me, the better. For the record, my easy breakfasts include shredded wheat with nuts and raisins, fried egg sandwiches, and smoothies. The latter two have the advantage of being portable.
@elisabeth … Environmental concerns wouldn’t be the only reason I’d choose dry beans over canned. I was dismayed when I realized just how many brands of canned kidney beans at our local grocery contained high fructose corn syrup.
July 9th, 2009 at 9:46 am
@crazypumpkin (#11)
Oops. Sorry about that. You and a couple of others pointed this out. It’s a result of behind-the-scenes tinkering. Should be fixed.
July 9th, 2009 at 9:54 am
Semi-off-topic, but some people have mentioned it in the comments:
Define “processed food”, and then tell me why it’s necessarily a bad thing.
Some foods I can think of that are inherently “processed”:
1) Pasteurized milk
2) Cheese
3) Wine
4) Pickles
5) Jerky
6) Hummus
7) Chocolate
And this doesn’t even count cooking in general as a “process”.
So can anyone actually define “processed food” in such a way that it implies anything negative, or does it just sound scary?
July 9th, 2009 at 10:38 am
There a few of her choices that I dislike (104 cans of tuna annually? Yuck! I’d rather catch my own thanks.) but her overall approach does make good sense.
July 9th, 2009 at 10:38 am
@Tyler in #19 - “processed” isn’t (usually) about “made” food, like the examples you give. Instead, “processed food” refers to things like the addition of high fructose corn syrup to (it sometimes seems) absolutely everything; boxed foods such as “mac and cheese” where the cheese is not really cheese at all but a mixture of powdered chemicals; strange items like “lunchables”; foods with a lot of extra chemicals to color, flavor, and preserve them. In general, “processed food” is the result of the industrialization (mechanization, automated production) of food. It isn’t inevitably, absolutely bad, but it often is, in a variety of ways, including less nourishing and less satisfying compared to unprocessed versions, and a range of economic, political, and social consequences (for example, the rise of agribusiness, multinational corporations, chain supermarkets vs the decline of the family farm, local businesses, independent grocers).
July 9th, 2009 at 10:44 am
Just wanted to say thanks to all the comments for the readers, your ideas are a big help and will definitely help the grocery budget. Being almost 6mos pregnant a good breakfast and a good lunch have become a must!
@Honestb - baking bread is something I’ve begun to give serious consideration too as the people in my household blast through a regular loaf of bread in a matter of days (same with milk but cant keep a cow - lol) I already bake fruit based and squash based breads so adding sandwich type breads is really the next step.
@Jenzer - thanks for so many great ideas - especially the portable breakfast ideas
July 9th, 2009 at 11:05 am
We bake our own bread, and are going to be buying some bulk product this weekend!
Having a bread maker was the key for us. Neither my wife or I really want to kneed bread and stick around for it to rise, etc.
Once we got a bread maker (thanks Freecycle!) we had to try probably 15 different bread recipes before we found one that was both consistent and delicious.
July 9th, 2009 at 11:11 am
It’s all about the meal plan for me! I save an amazing amount by doing a weekly meal plan (& shopping at Trader Joes helps too).
July 9th, 2009 at 11:12 am
@Tyler
Any cooking you do “processes” your food. But think about how long leftovers last when you cook from scratch and compare that to how long processed food lasts. It’s convenient that my boxes of hamburger helper last for months on the shelf, but that convenience is facilitated by loads of preservatives (in the form of sodium and/or corn syrup, depending on the food of choice).
Processing (even regular cooking) kills some nutrients. Highly processed food tends to go though so much processing that much of the nutritional value has been eradicated for the sake of flavor, texture, and shelf life.
Processing food is not “necessarily” a bad thing, and cooking some foods (tomatoes, for example) actually increases the bioavailability of some the nutrients. It would be a mistake to say NO food product should EVER undergo ANY form of processing.
But, as a general rule, commercial processing creates an end product that is less nutritious and contains preservatives that, in the quantities consumed, are harmful.
Hope that helps…
July 9th, 2009 at 11:48 am
@Tyler,
The more processed a food is before you start working your magic on it, the more likely that there will be ingredients added that you yourself might not choose to add. For example, in a recent article I read about the labeling of organic foods, I saw this line: “Grated organic cheese, for example, contains wood starch to prevent clumping.” (full article here:http://www.washingtonpost.com/wp-dyn/content/article/2009/07/02/AR2009070203365.html?wpisrc=newsletter). The commercial processor adds the wood starch to make the grated cheese easy to separate & add to your cooking. While I appreciate the convenience of pre-grated cheese when I’m cooking a boatload of lasagne, I personally prefer not to eat wood starch and thus would opt for the less-processed block of cheese that I can slice or grate as needed.
@Adrianne,
I like to include some “suggestions” for snacks on the same board where I record my weekly meal plan, as well as any notes about advance prep/special shopping I need to do. So, for example, I know we’re making penne with zukes & ricotta tonight, but I didn’t have any ricotta handy when I made the menu, so I put a note yesterday that we needed to buy ricotta. On the bottom of the board, I listed snack ideas: popcorn (easy to pop a batch, season, and keep in snack bags for consumption throughout the week!), slices of watermelon (leftover from a 4th barbeque), snap peas. That way, I’m letting my family (and me!) know that we should snack on the peas, which *aren’t* required for some dish later in the week, rather than the carrots, which I’ll need for the carrot soup.
I’m also a huge fan of cooking extra of whatever I’ve made for dinner with the express intention of eating the leftovers the next day, for lunch. It’s time-efficient, doesn’t require lots of planning for another meal midday, and while the leftovers may be good 18 hours later, I tend not to like them as much a 3rd time or several days later.
July 9th, 2009 at 11:59 am
Most of what’s in a grocery store is processed one way or another.
But I’m thinking more along the lines of PREPARED. In our convenience-over-everything world, prepared meals are quite common–microwave meals, TV dinners, deli sandwiches, etc. All of it is prepared, roughly the cost of fast food, and loaded with who knows what. If you want to trim the food budget, this is an ecellent place to start.
Also, clip coupons! My wife does this about an hour a week, and has it down to a system. While watching TV or talking on the phone, she goes through the weekly assembly of newspapers and junk mail, cutting out the coupons of items we use. She organizes them in an envelope with dividers in it, separating coupons for cereals, household cleaners, pet food, etc, that way when she shops, the coupons are neat and organized. She manages to reduce the grocery bill by 5-10% each time out. So on a $200 grocery bill every two weeks, we save an average of $15. Multiply that by 26 weeks, and it’s close to $400 for about 50 hours of light work per year.
July 9th, 2009 at 12:05 pm
Just a few thoughts on food, planning, and snacks. I follow the Paleo diet so I don’t eat dairy, grains, soy, legumes, and (mostly) sugar. My core diet is meat, veggies, fruit, and nuts. Even with these limitations, just a bit of planning goes a long way and I can eat and snack easily throughout the week.
Snacks are almost always a slice of lean meat (chicken or turkey breast), a handful of baby carrots, and a few almonds. I keep all of this in our fridge at work.
Soups and chili are a huge part of my diet, for lunch and dinner. I make a big batch of all-meat chili, gazpacho, chicken soup, etc. on Sundays, freeze some, then eat the rest during the week. Other quick meals include roasted shrimp and broccoli, baked salmon, grilled meat and vegetables, or an antipasti plate of lean meats, olives, vegetables. For breakfast I eat egg scrambles with tomatoes, spinach and zucchini — maybe 1/2 slice of bacon if I’m feeling decadent.
I eat three meals a day and two snacks.
I buy my meats and eggs at Whole Foods, which is expensive, but I buy all my produce at a local produce stand which is dirt cheap, so it seems to even out (because I eat a lot of produce). The meal planning means I buy groceries once per week to ten days, and never have to run out for “emergency” dinner ingredients, so over my food costs have either stayed the same or gone down.
I just started this diet on May 1st, and in doing so eliminated almost all “processed” food from my diet. I was worried that food prep would take me longer, but it’s actually been easy and fast. Plus the physical changes I’m seeing and feeling make this all worth it!
July 9th, 2009 at 12:56 pm
J.D., I’m so glad to hear that the ad was a snafu. I like it so much better at the bottom.
Adrianne, we eat pretty predictable breakfasts and lunches. Breakfast is cereal, granola, yogurt, fruit, or toast. Lunch is leftovers, or bread, yogurt and fruit smoothies, veggies, and sometimes some crackers.
July 9th, 2009 at 1:47 pm
I’m one of the people who used the term processed and I pretty much just want to echo everyone else’s statements. What I tend to mean by the term is food with non-nutritional additives and such. So I don’t mean ordinary cheeses, but I would consider cheese slices (like Kraft Singles) processed. If I knew of a more precise term, I would use it, but “processed” is the only one I’ve ever heard used.
July 9th, 2009 at 1:54 pm
Convenience can still be possible while keeping to a budget, even when feeding children! I work full time and have 2 children who fortunately prefer basic food and they love repetition! It’s very fast to throw some rice & broccoli in the rice cooker when I get home (I have one that steams veggies at the same time in a compartment on top of the rice) and sautee up some chicken breasts. They also like plain pasta, grilled steak, corn on the cob and other easy basics, and they’re happy to eat almost the same thing every night of the week. I do confess to letting them eat mac n cheese microwave dinners sometimes, though—usually $1 each but so much tastier and faster to prepare than the dried mac n cheese dinners with the cheese powder. For myself, I usually have a green salad with everything on it, and the chicken or steak on top, or sometimes I’ll cave in and eat a microwave dinner myself now and then. We don’t eat dessert regularly, although we like chocolate and sometimes I’ll bake cookies or a fruit pie. I don’t clip coupons because there aren’t coupons for the stuff we eat the most of (milk, fresh chicken, fresh veggies, salad, fruit, potatoes, and dry rice). Our family of 3 eats very well and cheaply, I think, and we are all very healthy–no asthma, allergies, or weight problems.
July 9th, 2009 at 3:26 pm
Thanks for the link to the ebook. Smart shopping and homemade cooking is something I’ve got to get back into. My wife was in the hospital for six weeks with a difficult pregnancy and now that the babies are here, we still are having trouble getting back into a cooking routine. My health is suffering for it and I’ve been to the doctor’s twice in the last week to figure out what’s wrong with me. I think it comes down to, like some of the other commenters have already stated, food doesn’t have to be complex, and it sure doesn’t have to be expensive. My backyard is only a 20 by 20 lot, and we used to grow some veggies there. While this summer is shot, I see no reason why we can’t get that going again next year.
Regards,
Charley
July 9th, 2009 at 4:00 pm
Great article. I love my oats/porridge in the morning but I know that if you microwave it on high for 10 mins you will be in big trouble. Mine takes 1 or 1 1/2 minutes only.
July 9th, 2009 at 5:17 pm
In defense of 6 kinds of salt:
That comment brought a huge smile to my face. I always have a bulging spice/herb pantry! I have stuff that nobody else can identify as a food product. The reason I have all this stuff is becuase I love to cook and experiment with food.
I cook for entertainment, not just to eat. Friends and family are always happy to come over and try the latest recipe (except that one time I was trying use up some liver, but that’s understandable).
Someone brings the drinks, somebody else a movie, maybe some extra dishes. It’s far cheaper than going out, even if I provide everything, and we usually have more fun. Potlucks are big around here.
Herbs and spices are not a big investment. Salt and whole products (cinnimon sticks, whole nutmeg, star anise) can last years. Even bottled products will last six months to a year, and I’ve used them at much older and been satisfied with the result. They can make even simple, inexpensive meals elegant and interesting.
One way to cut costs: only buy products you know you will use. If you have a recipe that calls for something you don’t think you’ll use again, try a different recipe, consider an alternate spice or leaving it out, or try to buy it in bulk. Our local grocery store has a nice sized bulk spice section, so does the health food store. You can also try ethnic stores. The Asian food markets are an experience just to go into! They usually have good buys on items that are hard to find in other stores.
July 9th, 2009 at 5:50 pm
@ Charley
It’s actually a good time to plant a bunch of things for a fall harvest…if nothing else, take a patch of dirt, break apart a bulb or 2 of garlic, and stick the cloves in the ground. Next year, you’ll have a bunch of garlic! Also, chard and kale can go in now and they love it after a frost!
July 10th, 2009 at 12:54 am
Cut your eat out budget by eating IN! It’s so fun and exciting to re-create restaurant faves at home!
I figured out that I don’t miss eating out when I use COPYCAT RECIPES! When I crave something that is at a restaurant I go online and look for the “copycat” recipe and make it at home for a fraction of the cost. We have made chicken wings with a recipe that mimicks a famous chain - our cost was $10 for the four of us, versus $40+ to eat out. I also found a recipe for a really delicious soup - normally $6 for a cup and I can make a whole pot for that!
I would love to have a potluck with friends and have everyone bring a copy cat recipe - it would be budget friendly and a lot of fun to try out!
July 12th, 2009 at 10:25 pm
I am a big believer in cooking from scratch– the taste is great, the price is right, and you know what you are eating.
July 13th, 2009 at 7:53 am
@ Adrianne & EscapeVelocity
I employ a similar method of big batch cooking. Once a month I make up a menu of four of five large pots of chili, stews, and soups (etc). Then I go to the local farmer’s market (we have a huge one here) and buy large quantities of vegetables. I also buy meats in large quantities at Costco. I spend one whole day cooking these 4 or 5 large batches of food and ladle them into Ziplock freezer containers that I bought at a dollar store. This way I cook once, clean once, and have lunches on hand for an entire month, leaving me no excuse to eat out for lunch. You could do this every two weeks if you wanted to make enough for dinners too. Lunch comes out to about $3.00/day this way. $4.00 if you make a lot of meat dishes. Mine are mostly vegetable. Also, this way I don’t have to eat the same meal all week. I had been cooking one large batch for lunch every week and would have to eat that one dish all week. Boring.
July 14th, 2009 at 7:39 am
I think one should bake in the Cost of Time to cook, into that budget.
Say you teach tennis at $30/hr for a living and it takes 1 hr to cook for two. Add the cost of ingredients and the $30 to the true cost of your meal.
And don’t add that op cost if you really enjoy cooking. All good!
Rgds,
RB
July 20th, 2009 at 12:10 pm
I don’t completely agree with post #39. There’s no guarantee that another hour or more of “tennis lessons” work would be available. Also, you are in your own home with your family when you’re cooking so it’s not really like “work”. It’s not taxable like wages and fees, you don’t need to worry about childcare if you’re a parent and you have the long term benefit of being able to use healthier foods with no additives-that should save tons of money, long term.
PS. The average American doesn’t make $30.00 an hour. Also, does the $30.00/hr person get to keep all that? What about taxes and healthcare?
July 23rd, 2009 at 12:38 pm
age will do wonders for your shopping budget, the older I get the less I can eat (without gaining weight) I don’t even bother with a pantry anymore, why shop for a year or more worth of food, which make last the average family a few weeks
October 6th, 2009 at 2:10 pm
These were some really great tips — thanks!