A month of food and grocery spending over $1,000 can feel impossible to ignore once it swallows up most of your budget.
A 25-year-old single man said that’s exactly what happened to him, with food eating up about 70% of his monthly expenses, enough to turn eating costs into a serious financial problem rather than just a bad habit.
Instead of making a vague promise to cut back, he settled on two specific strategies: cash-only eating out and a rotating meal plan at home.
Here’s what to know
Posting in a thread on Reddit, he said the overspending had been going on for roughly a year. He wrote that he was “committing to tracking this seriously” as he put a $75-a-week cash limit on eating out and built a seven-meal rotation for lunches and dinners.
He also wanted a budgeting app that could handle more of the work automatically, since he did not want to “enter purchases every time” or give bank account access to an unfamiliar service. He added that Mint was the last budgeting tool he remembered using in high school and that he believed it no longer existed.
Commenters were quick to offer suggestions. One recommended, “Monarch money is a great budgeting app — I switched to it when MIint was shut down,” and the original poster responded that he would check it out.
Other commenters skipped the app talk and focused on habits instead. One commenter wrote, “For a long time I did ALL food in cash, groceries and restaurants, by withdrawing a budgeted amount at the start of the month. I recommend it!”
More background
By his account, the issue was centered on food rather than the rest of his spending, and a lack of time seemed to be the biggest pressure point.
He said he was a vegetarian who spends 50 to 60 hours a week working at a startup engineering firm while also taking one or two graduate classes each semester.
The original poster said cooking at home had been difficult because he simply did not have the time, and he was even considering Factor “cuz it may be much cheaper than buying out. At least for [the] short term.”
Several commenters compared the total with their own budgets. One wrote, “Dang, bro, I spend like $150/wk or less feeding my spouse, myself, and a 16 year old teen boy,” adding that their household plans meals, checks what is already in the kitchen, and watches for sales and uses coupons because “that amount of money isn’t arbitrary.”
Another commenter said real advice would need more specifics: his location, his usual stores, and what’s actually in his cart, while warning that “you will pay every step of convenience” for items like prechopped vegetables and other prepared foods.