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	<title>The Billfold &#187; cooking big meals and eating leftovers is an easy way to save</title>
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		<title>Adventures in Budgeting</title>
		<link>http://thebillfold.com/2012/06/adventures-in-budgeting/</link>
		<comments>http://thebillfold.com/2012/06/adventures-in-budgeting/#comments</comments>
		<pubDate>Mon, 25 Jun 2012 14:30:31 +0000</pubDate>
		<dc:creator>Julie Beck</dc:creator>
				<category><![CDATA[Footer]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[Spending Lists]]></category>
		<category><![CDATA[cooking big meals and eating leftovers is an easy way to save]]></category>
		<category><![CDATA[figuring out how to budgets]]></category>
		<category><![CDATA[finding ways to save money]]></category>
		<category><![CDATA[Julie Beck]]></category>

		<guid isPermaLink="false">http://thebillfold.com/?p=6958</guid>
		<description><![CDATA[ by <a href="/user/536/julie-beck" title="Posts by Julie Beck">Julie Beck</a>
<p><img class="alignnone size-post640 wp-image-6959" title="Figuring out what you need in life" src="http://thebillfold.com/wp-content/uploads/2012/06/budgeting-640x380.jpg" alt="" width="640" height="380" /><br />
A little while back, there was a <a href="http://thebillfold.com/2012/04/reader-mail-starting-and-sticking-to-a-budget/">good deal</a> of <a href="http://thebillfold.com/2012/05/budgeting-part-ii/">talk</a> around the &#8216;Fold about budgeting. Being that writing for said &#8216;Fold can sometimes make one feel that one is not doing all one should when it comes to fiscal responsibility, I decided to give it a go, thinking the experiment would either result in smug success or hilarious failure. Those are my two favorite outcomes of any situation. </p>
<p>My first step in making a budget was to ignore my boyfriend when he suggested I use Mint.com. Although pretty much all my work/entertainment/happiness stems from the Internet, sometimes I like to play-act at being &#8220;off the grid.&#8221; It&#8217;s worth noting that I did the math for my paper budget on my computer&#8217;s calculator.</p>
<p>I started off strong. I figured out all my fixed monthly payments for necessities, like rent, bills, Netflix, my Muay Thai gym membership, and hair dye. Admittedly I was a little loose in my interpretation of the word &#8220;necessities.&#8221; Everything else went into categories, most of which were food-based: groceries, toiletries, eating out during work, eating out not at work, and &#8220;other.&#8221; Then, I figured, I would add up how much I spent in those categories during April, make my goal a little smaller for May, and ka-pow! Money saved. <!--more--></p>
<p>Alarmingly, but not all that surprisingly, the largest category (larger than groceries!) was eating out during work. The worst part of this discovery was knowing that I don&#8217;t even enjoy the goods and services that I purchase in this category that much. If the restaurants available around my office were a piece of music, its title would be, &#8220;Sandwiches: Theme and Not That Many Variations.&#8221; So while I&#8217;m not exactly making myself broke on these sandwiches, I am spending unnecessary amounts of money on food that is merely palatable. I&#8217;m not a master chef, but I am definitely capable of cooking something palatable.</p>
<p>Part of the problem with reducing spending in this category is that a couple good friends of mine are interns in my office, and I am incentivized not to bring a lunch to work so I can hang out with them. I am also incentivized by laziness.</p>
<p>Nonetheless, armed with my paper budget—and a pocket full of dreams of pockets full of money—I vowed to write down everything I bought that month and stick to the mostly arbitrary goals I set for myself. (I wanted to be able to put $300 in my savings account at the end of the month, which is a lot? Not a lot? I don&#8217;t know.)</p>
<p>The mission failed. I pretty much knew it would. I started using my budget as a bookmark, then I started leaving the book at home, and then one day a gust of wind carried it down Ashland Avenue and I didn&#8217;t even bother to chase it.</p>
<p>But something good did come out of this experiment, even though it wasn&#8217;t exactly the tangible savings I had hoped for. I realized a few things about my spending. One, I am incredibly susceptible to the impulse buy. (Usually candy.) Two, I am utterly incapable of sticking to the arbitrary goals I set for myself. (I should have known this already, from the countless promises I have made to exercise three times a week, or write 500 words a day that I have almost immediately reneged on.) Keeping track of my spending doesn&#8217;t make me spend less—it just makes me realize how much I&#8217;m spending and makes me sad.</p>
<p>The happy epilogue to this story is that this month I am magically spending way less, thanks to one simple adjustment I made, without even intending to save money. After I gave our fridge a long-needed cleaning, I was so traumatized by the decomposing food within that I started going to the grocery store every week, instead of every “all my food has gone bad.” Now I have oatmeal packets and yogurt to bring to work for breakfast, and I cook enormous piles of food on the weekends so I have leftovers for the rest of the week. This seems like a really obvious thing to do, but it feels like a big step to me.</p>
<p>For me, budgeting was a farce. But where the painstaking calculation of sandwich costs failed, a simple lifestyle change succeeded. And as it turns out, I do feel pretty smug when I&#8217;m eating my oatmeal.</p>
<p>&nbsp;</p>
<p><em><a href="https://twitter.com/#!/julieebeck">Julie Beck</a> is still not going to use Mint.com. Photo: <a href="http://www.shutterstock.com/cat.mhtml?lang=en&amp;search_source=search_form&amp;version=llv1&amp;anyorall=all&amp;safesearch=1&amp;searchterm=budget&amp;search_group=#id=103938761&amp;src=b1a33c42ebe8397030300291ac1fa9b7-3-4">Shutterstock/Raywoo</a></em></p>

<a href="http://thebillfold.com/2012/06/adventures-in-budgeting/#comments">7 Comments</a>]]></description>
			<content:encoded><![CDATA[ by <a href="/user/536/julie-beck" title="Posts by Julie Beck">Julie Beck</a>
<p><img class="alignnone size-post640 wp-image-6959" title="Figuring out what you need in life" src="http://thebillfold.com/wp-content/uploads/2012/06/budgeting-640x380.jpg" alt="" width="640" height="380" /><br />
A little while back, there was a <a href="http://thebillfold.com/2012/04/reader-mail-starting-and-sticking-to-a-budget/">good deal</a> of <a href="http://thebillfold.com/2012/05/budgeting-part-ii/">talk</a> around the &#8216;Fold about budgeting. Being that writing for said &#8216;Fold can sometimes make one feel that one is not doing all one should when it comes to fiscal responsibility, I decided to give it a go, thinking the experiment would either result in smug success or hilarious failure. Those are my two favorite outcomes of any situation. </p>
<p>My first step in making a budget was to ignore my boyfriend when he suggested I use Mint.com. Although pretty much all my work/entertainment/happiness stems from the Internet, sometimes I like to play-act at being &#8220;off the grid.&#8221; It&#8217;s worth noting that I did the math for my paper budget on my computer&#8217;s calculator.</p>
<p>I started off strong. I figured out all my fixed monthly payments for necessities, like rent, bills, Netflix, my Muay Thai gym membership, and hair dye. Admittedly I was a little loose in my interpretation of the word &#8220;necessities.&#8221; Everything else went into categories, most of which were food-based: groceries, toiletries, eating out during work, eating out not at work, and &#8220;other.&#8221; Then, I figured, I would add up how much I spent in those categories during April, make my goal a little smaller for May, and ka-pow! Money saved. <span id="more-6958"></span></p>
<p>Alarmingly, but not all that surprisingly, the largest category (larger than groceries!) was eating out during work. The worst part of this discovery was knowing that I don&#8217;t even enjoy the goods and services that I purchase in this category that much. If the restaurants available around my office were a piece of music, its title would be, &#8220;Sandwiches: Theme and Not That Many Variations.&#8221; So while I&#8217;m not exactly making myself broke on these sandwiches, I am spending unnecessary amounts of money on food that is merely palatable. I&#8217;m not a master chef, but I am definitely capable of cooking something palatable.</p>
<p>Part of the problem with reducing spending in this category is that a couple good friends of mine are interns in my office, and I am incentivized not to bring a lunch to work so I can hang out with them. I am also incentivized by laziness.</p>
<p>Nonetheless, armed with my paper budget—and a pocket full of dreams of pockets full of money—I vowed to write down everything I bought that month and stick to the mostly arbitrary goals I set for myself. (I wanted to be able to put $300 in my savings account at the end of the month, which is a lot? Not a lot? I don&#8217;t know.)</p>
<p>The mission failed. I pretty much knew it would. I started using my budget as a bookmark, then I started leaving the book at home, and then one day a gust of wind carried it down Ashland Avenue and I didn&#8217;t even bother to chase it.</p>
<p>But something good did come out of this experiment, even though it wasn&#8217;t exactly the tangible savings I had hoped for. I realized a few things about my spending. One, I am incredibly susceptible to the impulse buy. (Usually candy.) Two, I am utterly incapable of sticking to the arbitrary goals I set for myself. (I should have known this already, from the countless promises I have made to exercise three times a week, or write 500 words a day that I have almost immediately reneged on.) Keeping track of my spending doesn&#8217;t make me spend less—it just makes me realize how much I&#8217;m spending and makes me sad.</p>
<p>The happy epilogue to this story is that this month I am magically spending way less, thanks to one simple adjustment I made, without even intending to save money. After I gave our fridge a long-needed cleaning, I was so traumatized by the decomposing food within that I started going to the grocery store every week, instead of every “all my food has gone bad.” Now I have oatmeal packets and yogurt to bring to work for breakfast, and I cook enormous piles of food on the weekends so I have leftovers for the rest of the week. This seems like a really obvious thing to do, but it feels like a big step to me.</p>
<p>For me, budgeting was a farce. But where the painstaking calculation of sandwich costs failed, a simple lifestyle change succeeded. And as it turns out, I do feel pretty smug when I&#8217;m eating my oatmeal.</p>
<p>&nbsp;</p>
<p><em><a href="https://twitter.com/#!/julieebeck">Julie Beck</a> is still not going to use Mint.com. Photo: <a href="http://www.shutterstock.com/cat.mhtml?lang=en&amp;search_source=search_form&amp;version=llv1&amp;anyorall=all&amp;safesearch=1&amp;searchterm=budget&amp;search_group=#id=103938761&amp;src=b1a33c42ebe8397030300291ac1fa9b7-3-4">Shutterstock/Raywoo</a></em></p>

<a href="http://thebillfold.com/2012/06/adventures-in-budgeting/#comments">7 Comments</a>]]></content:encoded>
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