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October – No Spend Month

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Ashley and I must be in sync. While she did an impromptu “No Spend Week,” the kids and I have been planning for a No Spend Month. The idea has actually been noodling around in my head for a while, but the push came with the loss of our second car last week.

The first blog I ever followed, was actually a young SAHM mom, who did no spend months quite regularly. She eventually shut down her blog, but I so admired her. Another thing that has kind of pushed me in this direction is my kids. Some of them are really struggling with shame and envy. Ok, I struggle with it myself. While I know exactly why we are where we are, they are having a harder time with it. Specifically they are struggling with seeing how other’s live and then looking at their own lives. My mom heart hurts.

I know in my head we are in the right place and I am doing my best. But as you can see from our budget, spending has ballooned since my income skyrocketed (especially compared to being practically homeless and jobless.) So we are going cutting back to the bone for one month.

No Spend Week Rules

These are the changes we are making for our “No Spend Month:”

  • I am only going to pay the minimum due on all my bills. (You will see the weekly payouts in my Friday posts.)
  • We are cutting our grocery budget to $25 a week for milk and fresh fruit and veggies and eating through our freezer and pantry which is VERY well stocked. We are looking forward to being creative with our pantry, at least for the first couple of weeks.
  • I am going to continue to give the kids allowance, but we will NOT use $200 “spending” money this month.
  • We have one exception to our minimized budget, we are going to move forward with the “clothes” money this month because frankly, the kids all NEED clothes. Because we do it in one fell swoop, we did agree that we have permission to eat out the two days we will be shopping. (Because we are down to one car, I have to take all three kids shopping, and because we live in a tiny town, the closest shopping other than Wal-Mart is an hour away.) We are going to shop this coming Friday and Saturday.

Wish us luck. I think we are prepared. We have prepped with laundry detergent and toiletries and I am confident this month will be a great learning and bonding experience for all of us. The kids have bought in. We are going to use the experience to have weekly talks about money management and making wise choices and even sacrifice.  I’m just grateful we get to choose our sacrifices this time rather than having them forced on us by job and hoe loss as we have experience in the last couple of years.

Have you helped your child deal with envy or shame regarding circumstances beyond their and sometimes your control? I would love some guidance.


Hope’s Monthly Budget – Fall and Winter, 2017

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This is my current monthly budget. A debt update is coming up next. I think most of this is self-explanatory, but I’ve added a few notes below.

Budget

Personal Expenses Business Expenses Summary
Allowance 400 Adobe 30 Total Personal 3634
Auto – Gas/Main 250 Cell Phones 286 Total Business 509
Auto/Rent Ins 315 Dropbox (annual – Oct) 8 Total Debt Payment 1920
Clothing (bi-annual) 150 Internet 77 Total Monthly Costs 6063
Electric 150 Microsoft (annual – Jan) 8
Groceries/Eating Out 600 Misc 100 Income
Gymnastics 350 Total Business 509 1099 3200
Health Ins 305 W-2 3462
Life Ins (annual – Dec) 21 Debt Payments
Rent 650 Car Payment 400 Total Income 6662
Spending 200 CC 100
Water/Gas/Trash 75 Computer Equipment 85 Savings Goals
Spanish 160 Other 500 Emergency Savings Goal 700
Amazon Prime (annual) 8 Self Lender (Christmas) 97 Couch
Student Loan 307
Summer Camp/Activities 375
Universal 56 Total Savings Goals 700
Total Personal 3634 Total Debt Payment 1920 Total Extra Income -101.0

Details

Monthly Expenses – These are our day to day living expenses. Many have some flex money built in, specifically gymnastics which typically runs $240 per month. I added the extra money to cover the competition costs that must be paid during competition season (Nov-Apr.) I don’t know how much they will be with our new gym, last year I paid $600 in meet fees. Spanish is new. I’ve hired a online tutor to work Princess and Gymnast 1 hour a week, this was our first week.

Business Expenses – I’ve added my regular business expenses including our cell phones, internet and so on because I thought my budget would look funny with out these important expenses. (These are associated with my contract work.)

Debt Payments – I have another post on this category coming this week. I am grateful that a lot of this debt is chosen – summer camps and activities, Universal and a Self Lender loan (a chosen debt in an attempt to help repair my credit) versus stupid decisions or debt hoisted upon me by other’s decisions.

Income – I continue to work three jobs regularly, and have recently picked up a couple of new smaller contracts so we will see how they work out. The kids are starting to ask when I will cut down on my work hours. But I am not there yet.

Savings Goals – My emergency savings is still my #1 goal. But I am starting to think of other “things” I would like, specifically a couch. I’ve put it on the budget as a holding place, but I am not actively pursuing it at this time. In my head, I’m thinking next summer for a couch.

Summary

I am in the negative as far as this budget goes. Reality is that I spend quite a bit less than this on a regular basis, but there are certainly months where it is more. I feel like this is a true representation of where my money goes on a monthly basis.

My FSA, vision and dental insurance and 401K deductions all come out of W-2 income. I have consulted with an accountant and for this year, I am in a good place tax wise due to the Adoption Tax Credit. I will have to adjust my tax rate for next year.


Hope’s Weekly Budget – Week of October 1

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This is my budget for next week. While most are common, monthly line items, there are some unique items this week. See an explanation below.

Rent 29-Sep-17 -650
Electricity 1-Oct-17 -125
Groceries 1-Oct-17 -400
Summer Camp 1-Oct-17 -500
Auto-Gas 4-Oct-17 -35
Water/Sewer 4-Oct-17 -75
Amazon 5-Oct-17 -400
W2 Income 6-Oct-17 1732
Allowance 6-Oct-17 -80
Debt Pymt 6-Oct-17 -100
Savings 6-Oct-17 -150
Universal 7-Oct-17 -56
Gymnastics 7-Oct-17 -240
Clothing Allow 7-Oct-17 -900

Groceries – This is my monthly grocery budget, not just the week. If you have been following me long, you know it is typically $600 per month. I am 1) trying to cut back some and 2) have re-allocated some of this money to more “free” spending to allow for when we are out of town at gymnastics and grab a quick bite.
Summer Camp – Summer camp for next year for both Princess and Gymnast. I am paying monthly now to 1) lock in last year’s rates and 2) not have it come up on me at the end of the year. This is a monthly payment until the total is paid off. It will cover 6 weeks of camp.
Amazon – This is my Amazon account and is a guesstimate of the balance based on the previous month’s purchases. I use Amazon home delivery for most of our toiletry needs and a variety of other expenses. Most months this is around $100, I’ll explain why it’s more in another post.
Universal – I am taking the kids to Universal over Thanksgiving. I have been saving this amount every month towards our November trip (just to cover the cost of the park tickets.)
Gymnastics – This is the monthly charge for Gymnast training, 4 days per week.
Clothing Allowance – This is a twice yearly budget item where I provide the kids with a specific amount of money for them to purchase clothes for the coming season. The monies are not necessarily split equally, I divide it based on needs and wants. The kids have spent the month of September creating lists of needs and wants for the coming cooler season. This is our version of the “wait 30 days” before spending.

I think doing this every Friday will help keep me more accountable, and give you all a better way of guiding me in my day to day spending habits.

What do you think so far?


Hope’s Weekly Budget – Week of Sept 24

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I use an Excel spreadsheet to track my income and expenses. I have it set up all the way through July, 2018 to keep me looking toward the future. I thought I might post every week’s budgeted items, the Friday before.  This will help keep me accountable, and give you a real life view into my financial life to advise and guide me on.

This coming week’s items are pretty self explanatory. I am at the end of my monthly grocery budget, have a few debt payment’s scheduled, the kids’ weekly allowance and our family gym monthly fee.

Groceries 25-Sep-17 -50
Debt Payment 25-Sep-17 -100
Auto-Gas 26-Sep-17 -35
Debt Payment 26-Sep-17 -100
Gym 28-Sep-17 -50
1099 Income 29-Sep-17 850
Allowance 29-Sep-17 -80
Debt Payment 29-Sep-17 -100

The 1099 income is from one of my regular income sources, I’ve been part time with this particular company going on 2 years now. It is the one I got right after I lost my full time income. It has steadily grown and I now work 25 hours a week, every week. I enjoy the work, I love my ‘bosses’ and it’s one of those jobs I can do anytime, anywhere while at the same time being flexible when I need some time away.

Today I am spending the day with my siblings. All four of them flew to Georgia with my mom for a few days. It’s the first time we’ve seen them since last Christmas when we went to Texas and the first time we’ve all been in Georgia in several years.

Let me know your thoughts on my Friday Budget posts?


Coffee Date

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Hi Friends! I know I said it in my last post, but I’ve really missed you guys! This has been the longest hiatus I’ve ever taken since I started blogging 3 and a half years ago (<how has it been that long?!?)

So before diving straight into fully-financial posts, I wanted to just do a casual coffee date today. It’s as if we’re buddies meeting up for a cup of Joe, catching up on each other’s’ lives. See some past coffee chats here or here.

If we were having coffee today, I’d tell you how much I’m looking forward to some true Fall weather. Here in Tucson it’s still over 100 degrees F every day. I’ve been working out in the 5am hour and even at that time it’s already in the low 80s. I’m ready to bust out my fall decorations, drink some homemade pumpkin spice lattes, and cuddle up on our back porch in an oversized sweater while feeling the crisp in the air.

Exercise

Speaking of exercising at 5am, I’m training for another race. Last November I did my 3rd half-marathon. This November I’m signed up to do a Ragnar relay race. For those unfamiliar with Ragnar, these are running races that last 24+ hours. The traditional style of run is a road race, but the run I’m signed up for is a trail run in McDowell, AZ. I’m on a team of 8 and we will each run 3 legs (approx. 5 miles each) over the 24-ish hour span of time. I’m starting week 5 (of 12) of training and have really been enjoying it! I’ve always been a solitary runner. I’m not very fast and have never joined any running groups, etc. But my team (consisting of members of my department at school) has been meeting up on weekends to do our trail runs together and it’s been so fun having a group to sweat with, and to help keep me accountable when I’m not wanting to roll out of bed at 5am on a Sunday morning! Ha!

What about you? Are you working toward any goals or doing any type of diet or exercise regimen right now?

Texas Family

So much has been going on with my Texas family lately! All are located in Austin, so they were inland enough to be spared of any serious Hurricane Harvey damage. Remember that my mom and stepdad both broke their arms back in early July? They have lots of physical therapy and rehab ahead, but they’re both on the mend and expected to make a full recovery! My little sister welcomed a new bundle of joy to the world in late August! The delivery was smooth and easy and the baby has been a perfect angel – sleeps and eats well and only fusses when hungry, tired, or wet. She says it’s their 3-year-old whose been the problem. Tough transition from 1 child to 2, but they’re doing well. We believe my Dad is in the process of experiencing another step-down with his dementia. He was diagnosed with frontotemporal degeneration back in August 2015 and is currently living in an assisted living memory care facility. Frontotemporal degeneration (FTD) has been woefully understudied, so I can’t say anything definitive from a medical perspective, but several patients with FTD experience absolutely debilitating neurologic pain in the areas of their brain that are degenerating. I believe this corresponds with neuronal death. The pain is often associated with a “step down” in cognitive functioning. FTD is not a slow, gradual decline. Instead, it’s marked by periods of stasis, followed by rapid decline, then another period of stasis, etc. The periods of stasis can last weeks or months. The past few days have been painful ones for my Dad so we’re expecting another decline. His language has been impacted first and he’s really having a tough time with it these days. It’s hard for me because, living in Arizona with my Dad in Texas, our primary form of keeping in touch is phone conversations. I send pictures and letters, but we talk and/or text daily. It’s becoming increasingly challenging, though, as it upsets him when he doesn’t understand me (which is happening with increasing frequency).

How are your parents doing? No health issues, I hope?

Husband 

Hubs is doing well, but has had a tough time not working since his business closed down a few months ago. He used to be a flooring contractor but is now back in school for engineering and cannot sustain a full-time job. The cost of all the licenses and insurance were too much to justify renewal so he let the business come to a natural conclusion when everything came up for renewal. While he’s done well in school (last semester was his first one back full-time), I think it’s been a big transition for our entire family for him to not be working. He’s used to having his own income and additional spending money and it’s been tough to balance wants and needs within our family budget. I mentioned how my first full-time paycheck was a bit of a shock. Much lower than I’d been expecting. Budgeting is still a work in progress, and one I’ll be talking a lot more about in future posts. On the bright side of things, hubs is also in the process of obtaining his personal training certificate. He’s midway through the program and will be done in mid-October (juggling it along with his course load). He’s hoping to be able to pick up some part-time work after he receives his certification so that he can make enough money to cover his own personal effects and expenses while in school. He may be able to contribute a little to the household too, but even if he’s only able to cover his own wants and needs it will be a big help. Hubs has always been the “breadwinner” in our family, so having the roles reversed and being in a position where basically every expense is discussed (and budgeted) has been a change for him. (Edited to add: Check out this throwback post I wrote years ago about Our Financial Relationship for more background info.).

How’s your spouse, partner, girlfriend/girlfriend, significant other? Single? Are you on the dating scene? Any funny stories or interesting people you’ve met recently?

Kids

The kids (5-year old twins) are now a month-deep into kindergarten and they just got a new teacher! Yup. The old one, while kind, was having a lot of personal problems that interfered with her ability to do her best work. I was worried when I saw the stark contrast in what my kids were doing compared to the kindergarten kids in other classes (I’m friends with other moms and the curriculum is supposed to be the same for the whole grade). While I do feel bad for the old teacher and hope that she finds some peace in her life, I’m beyond relieved that my kids got their new teacher. She has been absolutely fabulous and it’s just the breath of fresh air that we needed. She jumped right into the role, hit the ground running, and I’m so impressed with how much the kids already love her! It gives me warm-fuzzies and makes me confident that they’re at the right school (we chose a charter school, as the public schools in our area don’t have the best ratings). They have been doing karate the past few months and, while I absolutely love it and all it’s done for them (boosting self-confidence, increasing independence, etc.), we’ve made the tough decision to cancel our membership for the time being, September being our last month. It was costing $150/person/month. At $300/month in total, we just can’t continue to afford it. It doesn’t fit within our budget. The girls do still participate in a gymnastics program, but it costs less than half that amount ($65/person/month; $130 for both per month). We like for them to be involved in extracurriculars, but can’t be paying nearly $500 a month for it!  At $130/month we feel comfortable. We also try to only do one activity at a time. So far they’ve done ballet, swimming, karate, and gymnastics. I’d love for them to be involved in some type of music lessons and I want them to do some team sports (like soccer!), but right now just be sticking with gymnastics.

How are your kids? Are they involved in any extracurricular activities right now? How do you find quality ones that don’t break the bank?

Work

Work is going great! I’m now only doing my one full-time job (up until a couple months ago I’d been working full-time plus a part-time job). I thought I’d have all this extra time on my hands once the part-time job ended but of course that’s never the case. I do think I have more time, I’ve just filled it with other things (like my 5am workouts – which used to be 5am emails and work). I also have more time to do my meal planning, shopping sales, and food prep. So we have less money, but I think my life has more balance. And with any luck (and a lot of planning and prep), hopefully I can save enough money to offset the loss-of-income from the part-time job. We shall see. One big area I will be targeting is FOOD costs. More info to come.

How’s your job? Things with your boss? Your co-workers?

 

I hope everyone is staying safe! My thoughts are with anyone impacted by Irma! I did my Masters degree at Florida Atlantic University in Boca Raton (about an hour north of Miami, right on the coast) and I still have lots of friends in the area. Thinking about all of you! Also, on this Patriot’s Day, I want to take a moment to acknowledge and thank all first responders and helping professions (nurses, doctors, paramedics, etc. etc.). I don’t have the gumption to do that type of work and our country would be lost without it, so thank you to those of you selfless enough to go into these professions! Thoughts with any/all who were impacted by the events on 9/11.

 

Hugs to you all! Stay safe out there!

~Ashley


I Need Advice

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First I would like to say thank you for all the wonderful comments on my last post. I read each and every one several times, trying to get them to sink into my head. I appreciate them.

Now, some wonderful news, I sold the tablet I listed, and I got what I was asking for it! I had to drive 45 minutes each way to meet the person who bought it at the Verizon store, but I figured the gas was worth it. I have lowered the cell phone bill to around $320 a month. I also sold some of the clothes that were too small for my daughters at Once Upon A Child and made $60. I had several other things for sale on the yard sale pages and sold them also. When all is said and done, we now have $500 towards an emergency fund. Only $500 more to go!

I do admit I have a spending problem. That is how I got into this mess. I am working hard with my therapist however I would love some tips and suggestions on how to stop the madness. I have a this coupon is wonderful I have to go use it syndrome, and a let’s see what is at goodwill today problem. I really have battles that go on inside over this. An example, when I sold the clothes this weekend, I went and spent $30 on more clothes for my girls at goodwill. Now granted, they needed the pants; however it’s still kind of warm here and it could have waited a few weeks. How do I stop?

We now have a full pantry, and each have enough gas to last the rest of the week, and still have $60 left in the bank. In fact, I have enough groceries that I think I will be able to lower the food budget for a few weeks, as I have plenty of meat in the freezer. My husband got some overtime that will be in this week’s check that we think will have along with the overtime, another $100 extra from the quarterly bonus that his employer gives. I earned almost 4 hours of overtime myself last week. I also applied with Amazon at home customer service job. It pays $12 an hour. I have applied with them 3 times before with no luck, I am hoping this time I get hired.

I am also toying around with finishing my college education. I have been going to college on and off now for 25+ years, and have no degree to show for it. I have about 10 classes to completion. I have not committed to it yet, but I have applied for financial aid to see where I stand, and even if I don’t get it, my employer does reimburse for classes. I want to go and finish really bad, but right now, I am stressed with our money situation, and don’t know how I would do with the classes. On the flip side, I work better under stress and deadlines, and with the education I would be considered for higher pay at work. I’m torn.

I also need advice on my Aflac. I am spending $55.14 every two weeks for an accident and cancer policy. I thought about canceling it, however Wren commented on my last post, and made a good point. What if something happens? We have nothing prepared for an emergency and the insurance payments would help. But on the flip side, that $110 a month could help our budget now. What should I do?

I know I can do this, and thanks for your help.

 


First Paycheck = FAIL!!!

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I received my first full paycheck at my new rate of pay. I was shocked that it was much lower than I had anticipated (even after using a couple online calculator programs to try to accurately predict take-home pay).  My expectation was that I’d earn somewhere between $5-6,000/month take-home.  The reason for the large range is that I have a LOT of money coming out in pre-tax deductions, including:  medical and dental insurance, Flex Spending Savings accounts for health and dependent care, and 7% retirement investment (required and matched by my employer). In total, I have 20% of my check removed pre-tax. Taxes remove another 20% of my paycheck. So when looking at my base weekly salary compared to my take-home pay, I’m only actually bringing home 60% of what I earn (to be fair, I’m saving money by being able to pay a portion of medical and childcare from our FSA with pre-tax dollars, but our FSA has caps that we exceed, so some of those expenses are still paid out of my take-home pay post-tax).

After all deductions, my first full paycheck was for a total of $2269. I get paid bi-weekly, so we’re talking about $4500/month for most months (except for the odd month with 3 pay periods). This was a huge shock, given that we’ve been quite accustomed to budgeting for literally double that income amount.

I’ve never shared exact income numbers before on the blog because it made my husband feel uncomfortable for his business earnings to be shared and analyzed. But now that he’s shut his doors down and it’s all me – I feel fine with sharing my personal income. Guess what, y’all….my salary is $95,423/year. That’s with my big raise. I was originally hired at $55,000 two years ago. I guess there’s some disconnect in my brain or something because I thought $95k sounded like “BIG MONEY.” When I got my raise I was overjoyed – I was expecting a huge, wild difference in my rate of take-home pay. Under $5,000/month was NOT what I was expecting. Call me spoiled or privileged of whatever else you want (and I own that I am some of those things – I’m lucky to have the job I do), but this was a huge shock.

So although it feels like “starting over” (although it’s not!!! We’re still down nearly $80k in debt over the last 3 years), it’s definitely a come-to-Jesus moment. Hubs and I have had to totally start over on our budget with fresh eyes. Thinking about how to continue making progress on our debt reduction journey while simply surviving (here, we thought we’d be “thriving” with this huge raise). Some tough realizations have been made:

  • Hubs must keep earning an income somehow. Hubs has run a successful flooring business for almost a decade, but recently quit to go back to school. Many people have commented that he should keep his business going for some side-income, but it just doesn’t work that way. Unless you’ve owned a business in the construction trade before, you probably don’t realize how expensive it is just to maintain the proper insurances, licenses, etc. Hubs is NOT the type to do business under the table without the appropriate certifications. It’s a big problem in his industry (and where we live, in particular), and he was not about to go that route. But to just keep his insurances and licenses up to date cost several thousand a year. When we looked at what he was bringing in part-time versus the costs to keep the company legal, it just wasn’t enough to make it worthwhile. And, maybe surprisingly, the flooring trade is not as flexible with a school schedule as we need. Hubs’ first semester back was this past Spring and he had many stressful calls from employees (or worse, home-owners) with issues that demanded immediate attention, while he was still stuck in class for many hours to come. All in all, this was a losing proposition for our family. So now we’re trying to think of more flexible and accommodating ways that hubs can earn some side-money while in school. So far brainstorming has included: driving for uber or lyft, doing some type of food delivery, and perhaps trying to become a personal trainer. Remember – hubs has been big into health and fitness the last couple years, so the latter is his preferred method, but it will also take the longest to get started and requires additional research first. Any other ideas?
  • Food consumption has to get under control. A friend recently posted on facebook to inquire about how much her friends’ families pay per month for groceries. The most common number I saw was $250/week. I have to say, for the past couple of years since I’ve been working 2 jobs, our food budget has been way over $1,000/month (including groceries + eating out). I mean, $1,000/month was a GOOD month. But remembering back to when I first started blogging, it hasn’t always been this way! In fact, my original grocery budget was only $400/month!!! And I stuck to it! To be fair, it was never easy. I would spend a TON of time researching sales, carefully planning meals around sale items and food we already had in our pantry or freezer. I would easily have to go to 2-3 stores per week to get the best priced items (Walmart does their ad matching, but our local Walmart doesn’t have great quality produce). I’d also make a ton of items from scratch. Everything from breads and homemade granola bars to fruit leather and yogurt – even baby wipes I made myself for cheaper than could be bought bulk at Costco. Between ad searching, meal planning, grocery shopping, food prepping, and scratch baking, I probably spent a good 10-15 hours/week on my efforts. It paid off big-time in terms of money saved, but I just simply lacked the time when I started working full time (plus kept my part-time job, on the side). When I accepted my big raise I had to sign a non-compete so I had to leave my part-time job. So even though I still work full-time, I have significantly more time in the early morning/evening/weekend hours to try to devote to some of my old grocery-saving ways. I don’t know that it’s reasonable to get back to only $400/month. But I think if I shoot for $550-600/month (again – that’s for all food: groceries + eating out), it would be a huge savings over our current spending. I’m going to give it an honest effort for the month of August and see how I do.
  • The budget, in general, needs to be slashed. It’s scary how easy it’s been for things to creep up over time. When I first started blogging all our gifts were in the $10-15/range. Recently our gift-giving has been closer to $25-35+/gift. Hubs and I have both rejoined a gym. It’s very important to hubs (and he spends legitimately a ton of time there), but maybe I’ll cancel my own membership to try to save some money since I’m perfectly happy to run outdoors for free as my preferred form of exercise. I also had a friend recently mention that some health insurance companies offer discounts for gym memberships? I need to call Blue Cross, Blue Shield to inquire about this. Spending across the board needs to come down.
  • Debt payments??? Probably the hardest thing to accept is that our debt payments are going to drastically decrease. We’d grown accustomed to throwing thousands a month toward debt! I’m talking many months where we were paying $2500-$3000/month toward debt!!! Obviously if I’m only bringing home $4,500, there’s no room for a $3,000 debt payment. It’s just not possible. So we have to adjust expectations, adjust our 2017 financial goals, and just keep plowing forward, making as much progress as possible with what we have to work with.

So, ultimately, we need to cut our expenses AND try to find a way to increase our income. There’s not much wiggle room for me (since I can’t pick up side work in my current industry), but I think we can try to find solutions to get hubs some part-time side gigs. My focus will be best spent on trying to reduce our food expenses, since that tends to be our #1 monthly expense (cumulatively speaking. And yes, I know how ridiculous that sounds, but it’s true).

So there you go – I’ve laid it all out on the table. Next up will be formulating a solid budget plan and figuring out how to juggle our debt payments. Especially now that we owe $1,000/month to the IRS from our poor planning last year. Ugh! But baby steps here – if I think about everything at once I become overwhelmed so it’s one thing at a time. We now have a solid “income” figure so we know what we’ll be working with in terms of take-home pay. Now it’s time to figure out how to make our outflow match with our inflow and to find additional areas to cut back.

 

How much does your household spend per month on groceries (and how many people are in the household)? How do you save money on your food budget?


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