How to Set up A Household Budget

Do you want to know how to set up a household budget?

 

basic-household-budgetSetting up a household budget is not as hard as many perceive. According to experts, the first thing to do is gather your monthly income. This includes job-based revenue, along with other monies that you make on a monthly basis. The latter can include interest on bank accounts, along with money earned from investments or business endeavors. Once you have an approximate number, you need to create a spreadsheet with your approximate monthly earnings. Programs like Excel have existing templates to determine monthly or annual household budgets. Next, you need to take into account all your monthly expenses. This can include groceries, electricity, utilities, credit card bills, and mortgage payments if applicable. No matter what your monthly expenses are, you need to include them on the household budgeting sheet.

 

The next step is to simply subtract your monthly expenses from your monthly earnings. For example if you make $3,000 a month and your expenses total $1,500, the remaining balance will be $1,500. You can then deposit this money back into the bank, or allocate it for any unseen expenses within the month. The key to any successful household budget is cost-savings. Depending on your income, you may have to curtail your household expenses per month. Due to the recent fiscal crisis, there are several people still struggling to make ends meet. As a result, most are living on fixed incomes, or are facing financial constraints across the board. One way to secure extra income, however, is by eliminating any unnecessary expenses per month.

 

The best way to do this is by subtracting non-essential expenses from essential expenses. For example you will need food, electricity, water, and gas for your loved ones and household. There are known as basic necessities, which simply cannot be curtailed or avoided. Non-essential expenses relate to entertainment, eating out, or excessive use of electricity. Therefore, instead of having the air conditioner run day and night, you can open your windows to secure proper airflow and distribution. This will lower monthly energy costs, which can result in savings and more money per month. You can also limit both television and computer use to a few hours per day. Cooking at home can also prevent eating out, which can really add up at the end of the month.

 

Even if you have a limited income after expenses, there are ways to make the most out of your household budget. For example you can purchase generic or standard grocery products, as opposed to high-end brand names. You can also use a water filter, instead of purchasing costly bottles per month.

How to Be a Rich Mama

Attention Hard Working Moms

 

Dear Mom,

Do You Struggle With Handling Your Family’s Money?

Are your finances a nightmare? It’s time to wake up from that bad dream and create a better reality…Are you worried that you don’t understand money…and how you spend it?

On the 30th of the month, do you find yourself scrambling to pay the bills? Or maybe you just make it, but find that you have nothing Do You Struggle to Understand Money?left for savings?

Do you look around and wonder why other families have it all, yet you never seem to be gaining any ground? Are you worried that you’ll have to work for the rest of your life… That there’s no cushy retirement waiting for you down the road… That you’ll never be able to live the life you deserve.

Does this sound familiar: You work hard, but you never seem to have enough. You can’t get a handle on your expenses. Your credit cards are maxed out all the time.

And now with the economy the way it is, you’re not just worried. You’re Terrified.

Do You… fight with your partner about money all the time… have to say NO to your kids when they ask for almost anything…Constantly wonder if you’ll be able to buy groceries, a new car, or if you can afford date night?

And You’ve Tried to Make it Work…

You’ve tried living frugally. And it worked for a while. You were able to pay off some debts. Maybe put away a little something in the bank.

But you were utterly miserable. You missed the little treats that make life more fun and enjoyable. And like a spending junkie, you went into a buying binge to dull the pain. All your good intentions went flying out the door, and you never looked back.

You’re running out of control, and you’re scared. Scared for yourself. Scared for your spouse. And especially scared for your kids.

Listen, there’s a way out of this money hell hole.

What you need is a simple plan that will help you achieve big results through small steps.

Read that again:

YOU CAN CHANGE THIS VICIOUS CYCLE…You Can Create the Foundation of a Wealthy Family

Here’s Where I Come From…

I was once like you. I wasn’t always the RichMama – I was the SpenditAllMama – it seemed like as soon as we made dollar we spent it – and it wasn’t on big things like trips or eating out – it seemed like the little things were killing us – money slipped through our fingers like the finest sand.

And then we got a wake up call – kids. Once I started having kids I wanted to have more for them – so my husband and I worked harder, thinking that if only we could just make that little extra bit of money – we’d finally feel secure. Protected.

And then it hit me like a ton of bricks – I was working so hard to make a better life for my family – I was barely seeing them. I was robbing them of my time and attention – I wanted to quit…or work part time – maybe even freelance – anything that would give me more flexibility.

So we started to crunch the numbers. And I cried. We had multiple credit cards, all maxed out, no emergency savings, car payments, student loans a huge mortgage. Even our retirement funds were in disarray spread out here and there. While we’d been working our tails off, we’d been neglecting our most important boss — our families.

So we (mostly me) got serious – I switched into Rich Mama mode. I vowed that within 18 months I would be able to quit my full time job and spend more time with my kids – but only if we paid off all consumer debt – like our credit cards, learned to live on one income, and saved for our emergency fund.

And I became a savings and personal finance junkie, reading and learning everything I could about paying down debt, budgeting, spending, saving, reducing interest rates, investing – you name it.

At first I was paralyzed…and then I started taking action, focusing each day on one small step. Making check lists and worksheets and knocking down debt, figuring out spending and coming up with methods to put more cash in our pockets.

And it worked…..In less than a year, I quit my full time job, launched a part time consulting business and was able to stay home with the kids – with no credit card debt, a working spending plan for each month that allowed for vacations, new clothes and yes the occasional latte.

Not to mention our total financial life was better organized. We were saving, maxing out on our retirement accounts and were able to save for major purchases – like a new car, without going back into debt.

But it took me lots of trial and error to get it right – and I wouldn’t wish that on anyone…so I took all I learned and created a simple program that takes what took me months to figure out and gives it you in a step by step weekly program

Our Schools Have Failed Us…

Most of us learn nothing about money in school. Sure, perhaps you learned how to balance a checkbook in home economics…but or perhaps you took a macro economics class and learned about the markets…But since most of us barely use checks anymore, and you’re probably not in the business of shorting emerging markets….all of that school stuff was pretty much useless…

Until Now…What you were missing was the right kind of FINANCIAL EDUCATION – one that teaches you how to thing in terms of dreams and goals, dollars and sense – and how to manage the multiple and often conflicting needs, wants and desires of a family…where every new video game in the short term can undermine the family vacation in the long term…OR worse – send you into a whole heap of credit card debt…for things you can barely remember needing.

You can’t make big changes all at once. Your mind and heart will eventually reject them and you’ll only feel like a failure.

SO HOW DO YOU MAKE THE CHANGE – HOW DO YOU TAKE CHARGE OF YOUR FINANCIAL FUTURE?

Get a Financial Education

By getting education – the right kind. The kind that will guide you step by step, week by week to creating a workable, livable, scalable plan for building real wealth for you and your family…You need to learn how to become a RICH MAMA…

When you’re a Rich Mama, you can have it all. Sound sleep knowing you have enough money to pay your bills and then some. A healthy retirement account so you don’t have to work forever (or work at all). Money set aside for your kids’ education. Money in the bank for new school clothes? Wouldn’t you like to know your family had a real GET RICH SLOWLY PLAN?

So What Can You Do….

How Do You Stop Fighting to Keep Up With the Joneses….And Build the Foundation of the a Wealthy Family…

Introducing the Rich Mama Academy….

A complete, step by step 12 Week Program to Help You Develop a Solid Family Financial Plan and Create the Foundation for Real, Lasting Wealth…

This is not a get rich quick scheme…I’d rather think of it of a Get Rich Slowly Scheme…But You Will See Immediate Effects…From the Very Moment You Take Action…

When Your Bank Account is the Only Thing Not Growing… Here’s Help

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“The Rich Mama Academy: A Complete Step by Step Plan to Building Lasting Wealth” is a comprehensive program that will show you, step by step, how to:

  • Create a Realistic Family Wealth Plan – to manage spending and build long term wealth
  • Identify Your Family Financial Goals
  • Determine Your Spending Patterns – Good and Bad
  • Calculate Your Net Worth
  • Determine A Realistic Spending Plan The Whole Family Can Live With
  • Cut your living expenses without living like a monk and without sacrificing the lifestyle you desire (and deserve!)
  • Save money for short term goals like vacations, renovations, and high-tech toys
  • Build wealth for long term goals like your children’s college tuition and your retirement
  • Create a Workable Plan for Eliminating Credit Card Debt
  • Refinance your mortgage, when it’s the best option for you (and when you absolutely need to avoid it!)
  • Get rid of debt once and for all, so you can start building up your financial assets
  • Improve your credit rating, even if you have debt
  • Protect yourself from identity thieves who can cripple your financial life
  • Make more money, even if you don’t switch jobs or get a raise

Here’s a Sneak Peek of What You’re About To Learn:

Module 1: Get Goalin’ – What’s Your Family Wealth Plan – Building Wealth From the Ground Up

Module 2: Creating and Staying Within Your Budget

Module 3: Reducing Expenses Without Affecting Your lifestyle

Module 4: Saving Money on a Day to Day Basis

Module 5: Short Term Savings

Module 6: Long Term Savings

Module 7: Using Your Credit Cards Wisely

Module 8: Getting Out of Debt

Module 9: Ways to Bring in Extra Cash

Module 10: Should You Refinance Your Mortgage?

Module 11: Checking Your Credit Report Regularly

Module 12: Why a High Credit Score is Important

Bonus Modules

Module 13: How to Raise Your Credit Score

Module 14: International Credit Systems

Module 15: Protecting Your Identity

Module 16: Where Do You Go From Here…

“The Rich Mama Academy” is NOT an eBook – it’s total at home study course with Videos, Audios, pdfs, charts, worksheets and checklists….

You’ll also get:

  • Complete 80+ Page, 16-Module home study course
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  • Budget helpers, worksheets, and trackers to make budgeting FUN again!
  • Expert audio interviews so you can gain the insights and wisdom of others in the field.
  • Money saving checklists and cheat sheets, so you will have the essential lessons at your fingertips
  • My Secret Resource List of Helpful Money Sites, Tools, and Calculators
  • Video tutorials of each module – so you can watch and learn – perfect if you never have time to read!
  • Web-Based access to all modules, videos, workbooks, and checklists so you can work anytime, anywhere
  • Lifetime updates and continuous learning topics added monthly…so you keep learning!

“The Rich Mama Academy” includes all the tools you need to build a comprehensive plan for Creating Family Wealth

Imagine…

… paying all your bills on time

… being debt-free, at last!

… watching your savings and investments grow

… having enough money for that grand vacation… or your dream house

… knowing you’ll be comfortable and financially independent when you retire

… it’s all possible, when you take charge of your finances right now.

Rich Mama’s Academy: A Complete Guide to Building a Wealthy Family

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YES…For less than the price of a couple of pairs of shoes…or one month of cable, or a dinner out, you will be on your way to building a realistic, ACHIEVABLE Plan for Real Family Wealth

Plus, when you order now, you’ll also get these bonuses, free:

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  • How to Teach Kids About Money – Pass Along Your Good Habits

When you join The Rich Mama Academy, you’ll have the tools you need to take control of your financial life again. Well, everything that is, except the one thing that I cannot give: your commitment to act.

You see, The Rich Mama Academy is only for those who will actually implement the lessons. You don’t have to do everything in the system, of course. That’s not realistic.

But if you will act on even a few of the suggestions in this course, then you will see your finances improve.

Act now and you’ll discover the simple ways to:

  • MAKE more money
  • SAVE more money
  • TRACK your money

I guarantee it.

100% Guaranteed

You don’t have to decide now. Try “Rich Mama Academy” for 90 days — at my risk. If within that time, you decide that it won’t help you at all, or even for no reason whatsoever, just let me know and I’ll refund every penny you paid.

I’m taking all the risk here, because I don’t want you to. I won’t even ask you ant questions. Just email me to say you want a refund, and you’ll get it.

Click the order button below to get instant access to “The Rich Mama Academy: A Complete Step by Step Plan for Creating a Wealthy Family”

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Heading For Financial Disaster? Don’t Get Mad, Get Smart!

Are you ready to take control of your finances again?

Yes, please send me instant access to The Rich Mama Academy: A Complete Plan to Family Wealth. I want to regain control of my finances and stop worrying.

I understand that I will get:

  • A Complete 80+ Page, 16-Module Home Study Course in PDF format
  • Video Tutorials
  • Printable Companion Worksheets and Cheat Sheets
  • Budget Helpers, Worksheets, and Trackers
  • Bonus Audio Interviews with Financial Experts
  • My Secret Resource List of Helpful Money Sites, Tools, and Calculators
  • How to Save Money on Absolutely Everything
  • Wealth Building Strategies for Families
  • How to Teach Your Kids About Money

I also understand that I have 90 days to decide if The Rich Mama Academy is a worthwhile investment for me. If it isn’t, all I need to do is email you and I’ll get every single cent back.


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Money problems cause a lot of stress. You don’t have to keep living with it. Face your financial problems straight on, and finally enjoy a financially stress-free life.

To true wealth and prosperity,

Andrea Stein – aka the RichMama

P.S.: If you’re having any money problems at all, you need to take action before it’s too late.

P.P.S.: When it comes to finances, the sooner you earn more and save more, the sooner you’ll get ahead. Get started today, risk-free, for 90 days.

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Contact/Questions/About

Your Questions About Household Budgets That Work

Laura asks…

Anyone know a good book or ideas on budgeting your household checkbook?

I made over 100k last year and my wife blew threw it as quick as I made it…I worked over 500 hrs overtime! I need a budget that is practical. Does anyone know of a good book or ideas?

richmama answers:

To start a budget…it is very important to write down where the money is being spent so you can identify where you can cut down and save.

You can do this on a monthly basis or whatever suits your situation, list down your expenses as

fixed payments like rents or motgage payments, car loan payments, student loan payments.etc. These are expenses that you need to pay and which are fixed amounts

expenses that you can control like groceries, utilities, petrol , other basic necessities

The above expenses are the ones which you can’t avoid, though they are controlable.

Deduct the expenses from your income and you will see whether you have excess cash or you have a deficit.

If you have excess cash from the process above, you can start planning on what to do with the excess, it is a good idea to put away some as savings….but don’t forget to have fun too if you can afford it. You can’t just work and not have fun!

Use a credit card only for convenience, meaning charge your expenses but pay all the balance at the end of the month to avoid paying interests which are extremely high. If you can’t pay your credit card balance, it means that you spent beyond your means. The credit card statement serves as a list of your expenses which can help you keep track of your spending. It is very easy to forget how $100 in your pocket was spent, so make sure you write down everything. Quite hard at the beginning but very helpful!

Good luck…I am sure that when you do this, you will have a better understanding of where your money is going.

Robert asks…

Could you run a household budget this way, and not bankrupt yourself?

A Household‘s budget is based upon 40-per-week of income from the employed. The Employed decide that they wish to work fewer hours, but insist that since working less (taking in less revenue) doesn’t cost anything (other than lost income), that they can continue to live on a budget based on a 40-hour work week, but only if they did not add anything to their budget (no new spending).

Would this plan work in your house? Why do “conservatives” continue to believe that revenues (income) can be cut without corresponding cuts in the budget?

Do not bother answering with a question. It’s a waste of everyone’s time, including your own. Snide comments that do not answer the question are best left untyped, as well.

If “trickle-down” is being cited, please support with data what is being asserted. 30+ years of hard data, and real life experience, prove trickle-down an abject failure at doing what we were told that it would do.

richmama answers:

No You couldnt..

Fact of the matter is, we DONT believe “Why do “conservatives” continue to believe that revenues (income) can be cut without corresponding cuts in the budget?”…….quite the opposite

In the 1980’s we TRIPLED revenues to the Feds by cutting taxes, and the Dems spent every penny of it and then some. It was only after we dug our heels in 1995, was change made. Tax rates WERE higher, but still not at the record levels they were back 40 years ago.. One could say that REP’s proved that holding the line on budget spending was the cause of our record surpluses in the late 1990’s, and only after Congress decided to go on future spending binges, did we get back in trouble.

People dont seem to understand the concept that government should NOT run continual surpluses. If they are in surplus for more than a couple of years, then they are taking too much in taxes, and that tax should be given back to those that paid it..

Please dont try to rewrite history… It is all there in black and white…

Helen asks…

I have $ 2,500 to invest in cd’s. Where to invest?

I have been doing lots of work on my household budget, projecting income and expenses for the next 3 to 5 years. I am totally debt free including house, and have a big emergency fund, and have an ample amount of money in mutual funds and retirement funds.
I still have a minimum of $ 2,500 that I want to put into CD’s, probably a 1 year Cd. Where do I find the absolutely higher interest that I can put this money ? Search internet sites for best rate? Take whatever my local bank is offering on cd’s ?

richmama answers:

My stock broker is offering one 1 year cd that pays 5.2% as the highest offering. Most are quoted at 5%. 6 mo t-bills pay 5% currently. That will give you a benchmark to shoot for.

Mary asks…

Why do people on both sides believe economic myths?

Conservatives think cutting the deficit in a recession is a good idea (disaster, one of the things that started the Great Depression and made it come back in 1936). And they think that the stimulus hasn’t worked (wrong, latest estimate from the non-partisan Congressional Budget Office is that it saved 2.5 million jobs).

Liberals think that ending wars is good idea for the economy (wrong, war is an economic stimulus, WW II forex ended the Great Depression)

Why can’t people learn a little bit about Keynes and monetarism and realize that the economy doesn’t work like a household budget? All it really takes is a few hours of reading and thought to realize that most people have things backwards.

richmama answers:

I don’t care about the economy when it comes to ending war, I care about human life.

I agree that war can be good for an economy, but North Americans can manufacturing more than destruction.

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How to Budget – Single Moms Can Make it Work

How to Budget-Budget tips for Single Moms

Single Mom BudgetOne of the most important concerns for a lot of single moms out there is how to budget. Numerous single moms go through a situation of trying to manage a tight budget just to provide continuously for their kids. This can be extremely hard for them, especially when they are facing and doing this on their own, with no partner to help and support them. Learning how to budget can make financial struggles feel like less of a burden.

However, having a good budget is crucial especially when you can almost guarantee some emergencies to happen to you and your family. Learning how to budget can help a single mom learn how they can manage their money better without all the stress and pressure. These tips will help all single moms to establish a household budget:

Learn How to Budget for Your Family

•    Firstly, determine how much money you are getting every month. This is critical when learning how to budget.  Make sure that you include all sources of income that are promptly available to you like pay checks, social security, child support and even dividends on bonds and stocks. Anything that you are sure of coming to you should be part of the budget.

•    Next tip is to list all the expenses by starting with the most vital ones such as rent, car payment, insurance, as well as utilities. You may also include in the top list the groceries and then that is the time you begin with the other expenses like credit cards, incidentals and medical expenses.

•    Carefully look at how much money are coming in versus the money that is going out. Your priority should be the bills because these are the ones that keep you sheltered and keeps food always present on the table. Pay all of those bills out of what you have kept in your budget and take a look of what’s left. This is a key strategy of learning how to budget.

•    Determine the number of non-important bills that you can pay, and pay as many as you can. However, you must rank them in order of priority first, and after that, you can start paying them. If it is hard for you to pay the full amount, or if you need to make some payment arrangements, you can always try to negotiate with the person or office you owe and explain everything.

•    Lastly, take a look at the money that was left. Always keep in mind that unexpected emergencies will always happen, so you do not have to wait for the next pay day because you have extra money for any emergency situation that might occur.

Learn How to Budget – Spend Smart

When learning how to budget make an effort to squeeze in your budget every month until you know it by heart. Maintain trimming off costs here and there, and the money that you will be saving should be directly into your savings fund. Having a budget can help you keep track of where all your money is going, as well as get hold of steps to ensure that all of the money is going to the right places for your kids. How to budget for single moms is extremely important, so it is crucial that you pay attention with your budget. Learning how to budget will help you feel in control of your finances.

Your Questions About How To Save Money On Food

Helen asks…

How can I save money on food in Melbourne? Are there any food outlet stores that sell cheap, good quality food

I need to save money on food. I feed a family of five and it’s just SO expensive to feed them now that prices have risen. Any hints on cheap meals to prepare would be good too. Thanks

richmama answers:

Hi. You should shop at Aldi, it’s cheaper than Coles or Safeway. Google saying “home-made easy meals”. I hope everything works out okay.

Sorry this isn’t very helpful….

Jenny asks…

What is a good way, to save money when food shopping?

I am 18 years old, and sometimes I do go food shopping for myself. I want to see, if anyone can give me ideas on how to save money, when food shopping.

richmama answers:

Hi

Here are tips on how you can save money for your groceries:

Make sure you aren’t hungry before you go to the Grocery Store – studies have shown that shoppers tend to buy more in the grocery stores when they are hungry. This is the reason why some grocery shops have their bakery along the entrance of the store.

The smell of the freshly baked breads and cakes could really make you hungry. And this could make you shop and spend more than what you intended.

The best way to handle this is to make sure your stomach is not empty, if no food can be taken; drink at least a glass or two of water. Shopping when you’re full will surely help you combat the temptations of the mouth-watering smells inside the grocery store.

Try to look up and down on the shelves – make sure that you search the higher and lower shelves. The more expensive brands are normally located on the shelves on your chest level. The cheaper or generic brands are either located below or higher than your average sight.

Shop alone – try to find time to go to the grocery store by yourself. When you ask for helpers, they tend to increase your bill.

Go to the store at the early time of the day – when you go to the grocery store early in the morning, you tend to finish with your list a little faster, thus avoiding the need to roam around and get attracted to unnecessary expenses.

Shop when you are in a good mood – when you shop and you feel tired, you tend to buy more sweets, chocolates and high-carbohydrates. And when you are mad, you tend to buy more junk food.

Don’t buy non-grocery items – grocery shops normally sell some non-grocery items like contact lens and painkillers. These products normally cost more at the grocery stores.

Always bring your calculator – make sure to shop with your calculator. In this way, you can easily compute how much you save when buying in-packs or individually wrapped items.

Check your receipts every after shopping, mistakes can happen no matter how much you avoid them. Remember that every cent counts.

Buy foods that are fresh, cheap and seasoned food. With fewer dealers involved, the cheaper, fresher and better quality of food that you can get for your family.

Make sure to double check the weighs of the pre-packed goodies that you buy. Sometimes they lack a little pound or weigh less than what they normally should. Make it a point that you get all your hard-earned money’s worth.

When you specifically went to your favorite grocery shop for a definite item on sale and suddenly knowing that it’s no longer available. Make sure that you make a rain check and ask for the next stocks to arrive. So that you’ll be early the next time the stocks reach the store.

Check the ends and edges of the grocery store. More often than not, the healthy and fresher which are less processed foods are located at the ends of the grocery shops. Fruits, vegetables, Dairy products and meats are examples of these.

Avoid walking thru the main areas, since these regions are normally where the products are very expensive and cost more.

It’s important to focus on the price of the item. Make sure to check the other brands to be certain of getting the best deal. Also, buy only what you need. Sometimes, you get deceived when you get to buy things that are on sale even if you don’t need them. If this happens, you didn’t get the bargain no matter how cheap it seemed.

Don’t be mislead with the brilliant colored packaging of the grocery shops. They normally pack certain items simply to attract. Focus on your list and buy things that you need.

Good luck and hope that helps!

Take care

Paul

Thomas asks…

How can I save money with food?

would like to eat more healthy and spend less on food…college student on a very tight budget here and I have my last credit card payment to pay off, about $500.00, not too bad but its a lot of money when you’re going to college and aren’t a professional with a salary…

anyway how can I save money with food?
thanks a bunch =)

richmama answers:

I am at college and i used to spend too much money on food. The trick is to make a meal plan of what you are going to eat through out the week or until you next go food shopping.
If you have a meal plan you can buy things in bulk, like eg.onions. Which are used in almost every recipe. Also mince meat is a cheap meat and can be used for loads of different meals and it fills you up.
Dont buy ready meals they are usually quite expensive and small portions. Buy seasonal vegetables as they will be cheaper to buy eg. Apples, pears and strawberrys are in season now.

Buy big packs or pasta and rice to boil, they are cheaper than small packs.
Stick to shops own brands rather than big expensive brands.
Look out for offers such as buy one get one free or 2 for 1. And freeze the other one if u are not going to use it right away.

If you think you made too many portions and Rather than throwing left overs away, freeze it ! This way you dont get bored of eating the same everday and uve got food portioned in your freezer for another day.

Examples of cheap meals:
spaghetti bolognese
cottage pie
chick stir fry. With noodles or rice.
Chicken curry with rice.
Jello and fruit
backet potatoe and tuna mayo, or cheese, or mince
chilli con carne
natural joghurt and fruit

Robert asks…

How do I save money on food?

How do i save money on food?My house is really poor and i decided i should save money by cooking my own food.Help for how to cook cheap food?

richmama answers:

Eat for a few days, and fast for another few days ….

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