The Money Pie Deconstructed: Groceries

Every year I do a recap of my spending, and I have broken the items into nine categories: Dining Out, Entertainment, Groceries, Health, Home, Misc., Shopping, Transportation and Travel. Last year I broke down my transportation category and went into more detail about where I spend my money in this category, how I get to work, how hard it is to park sometimes and what's in my trunk. 

Now its time to talk about groceries. Before I start, I have a confession to make. I like reading posts and watching YouTube videos about how people spend their money, and specifically how they spend their grocery money and/or how they save money on groceries. Some of my favorites are Frugal Fit Mom, Mary's Nest and FlavCity. 

I am not a doomsday prepper, but I definitely could last for a few months on the stores that I have in my house. Much of this is due to the fact that I have a good supply of camping food, which lasts for a long time, is lightweight and can be eaten by just adding water. I also have amassed a good supply of staples over the years, such as rice, dried beans and canned tomatoes. 

I am not an extreme couponer; however, I do like to sit down with the ads each week and compare prices at my local stores. I prefer to do this on paper as it is nice to be able to compare the different places side by side, but a lot of stores have apps and I will sometimes browse them instead, which is nice because you can make a list of things to buy right on the app. However, using the apps does sometimes mean toggling back and forth or making notes about which store has better deals. I usually base my weekly shopping trip on whichever store has the better deals. If one store has one of my staples at a great price, I may just shop at that one store for the week, or if the deals are split, I may go to two. 

I make a list in Google Keep and to be honest, a lot of weeks I just duplicate the list from last week and change a few things. There are a few staples I often buy so my list looks very similar each week. This app is also good if you are sharing shopping duties as you can add a collaborator and they can also add or cross off things from the list.

I generally shop at Safeway for most basics, and a local store called Farmer Joes for produce. Farmer Joes is a combination of expensive specialty items, bulk items and produce; if you want a head of lettuce, their prices and quality can't be beat, but if you are looking for a gallon of milk, you will pay out the nose for it. This makes it worth my while to go to both stores, plus they are only a block apart so it does not take too much extra time. 

I have a two tiered method of shopping: (1) fresh items that I use each week, such as milk, eggs, vegetables and fruit and (2) longer term items, such as dry goods like beans, rice or oatmeal, canned goods and meat, which I will buy in bulk and freeze. For the fresh items, sometimes you just have to pay a little more, but I try to buy what is in season and work around that rather than having a specific dish in mind and buying specific items for that dish. I am happy to eat oranges instead of apples, or use oat milk over almond milk if one is cheaper or fresher than the other. For longer term items, I try to get them when they are on sale and I store them until I need them. For example, last week Lucky's had pork chops for $0.99 per pound, so I bought ten pounds and froze them in two packs for later. Again, I don't really need specific items so will buy whatever is cheap at the moment. 

The "pantry"

I do not plan meals per se, but will see what is on sale and will then loosely plan around that. If pork chops are what I bought, that week's lunches will be pork chops and I will add whatever veggie I bought along with rice or quinoa from the long term section. I usually cook enough for one week's worth of lunches and prep them all at once. For dinners, I will normally go to the freezer where I have stored my prior deals in convenient serving sized packs, and I will take something out in the morning and then cook it at night with some other veggies etc. 

I guess I will be having pork butt soon!

I do not mind eating the same meal several times a week, and a lot of my meals consist of meat/tofu and a veggie with sometimes rice or potato. Other standbys are beans, lentils or some sort of Indian or Thai inspired "stew" (usually beans or tofu) over rice. If I am feeling lazy, an old standby is miso soup and if I am feeling frisky, I may add chicken or pork or rice noodles to it and call it ramen. 

Weekly meal prep

Lunches for the week

Let's talk about the costs, my favorite part! I love hearing what others spend on their grocery bills and why its higher or lower. I know a few of you chimed in on my purging post and I am amazed at what a range there is of how much people spend! Over the last six years, my average grocery bill per month has been about $320. This is inflated by the amount I spent in 2020; without this outlier, the average would be about $290. For the first quarter of 2023, the average is about $200, but my goal for this year is to shop more from my pantry and use up some of the items I already have rather than buying more, so I expect my grocery costs to be lower this year. 

Fun facts: in 2022, I went to Costco 17 times; my average spend per trip was $115. My three top purchased items by count at Costco were blueberries, strawberries and cucumbers and by dollar amount were coffee, strawberries and blueberries (yay fruit!). The price of two pounds of strawberries ranged from $6.99 to $10.79 throughout the year. The average cost was $7.97. 

What is your grocery shopping schedule/method like? Do you often buy the same things over and over or are you more exciting than me? What is your favorite "go to" meal? If you have not already answered this, how much do you spend on groceries? 

The Money Pie Deconstructed: Transportation

You know how sometimes you are running along, or driving, or walking and you are kind of letting your mind wander and all of a sudden something pops in there? I don't know about you, but this happens to me a lot when I am running and I sometimes have to stop and jot down a quick note on my phone or I will forget what my "brilliant" idea was. So the other day, I was running and it came to me that it would be fun to talk about each category of my money pie, not necessarily about the financial aspect of the category, although that may be part of it, but just random thoughts, or as Mike Meyers would say on Coffee Talk, "I will give you a topic. Talk amongst yourselves." 

I am going to do this in no particular order, because the topic that came to mind the other day was car related. Therefore transportation is the first category! 

What is your car situation? I did not have a car for about 16 years, as I was either traveling around the world, traveling for work, or living in San Francisco/Oakland, where you can get around without one pretty easily. When needed, I would rent one, but for a long time, that was not very often. I bought my car in 2016; it is a 2016 Hyundai Accent. It was used with about 10,000 miles on it and I bought it because I wanted a cheap car with good gas mileage. It is named The Red Rocket. 

What is the parking like in your area? Sometimes it is hard to park in San Francisco. If you live in a neighborhood, you can apply for a sticker, which allows you to park longer than the usual one or two hour limit. Otherwise, there is also street cleaning on most streets either once per week or once every other week, so you also often have to move your car every week. A friend of mine used to schedule his grocery shopping for 6 am every Wednesday so he could be back in time to follow the 7 am street cleaner down the street and get his parking spot back. It is also sometimes hard to find a spot and I remember driving around for 45 minutes once and almost getting into a fight over the one spot I finally snagged. 

This is what parking sometimes looks like. 

If you are in the financial district, which is where my office is, most streets are metered, and some even go from 7 am to 6 pm or even 10 pm in certain cases. These cost about $2.00/hour but can go as high as $6.00/hour. Parking garages cost around $25.00/day.  In Oakland, it depends, but usually it is not hard to find parking. My street has street sweeping every other week. I have forgotten to move my car, and the ticket was about $80.00. That is an expensive mistake! You're welcome Oakland. 

Do you have to pay tolls? We have tolls on our bridges; I have to go over the Bay Bridge to get to San Francisco, which is a $7.00 toll. The others are the Richmond Bridge, which is also $7.00 and the Golden Gate Bridge, which recently went to $8.00 if you have a FasTrak and $9.00 if you just go right through. The Golden Gate and Bay Bridge do not accept cash anymore (this was on the way out but was sped up due to COVID). 

What is your commute like? I live in Oakland and work in San Francisco. It is about 13 miles between my house and the office. There is a bridge between the two and there are not pedestrian walkways on this bridge. When I used to go to work later, I utilized the casual carpool. I wrote a post about that here. Then I started working earlier and I rode my bike to the BART train station each day. This took about ten minutes to ride the bike and 20 minutes to ride the train. Once I arrived in the city, the train station was about a five minute walk from my office. In 2018 they started doing maintenance on the train (it goes under the bay in a tunnel, which needed repairs) each morning, so they subbed out the early trains with a bus. At this point, I sometimes drove to the BART station, which took about seven minutes, where I would take the bus into the city, which took about 20 minutes. Once I arrived in the city, the bus station was also about a five minute walk to my office. 

Then....COVID hit, people stopped going to work, train schedules got cut drastically and people were afraid to take public transportation. I have continued going into the office the whole time and have been driving in each morning ever since. Let me tell you, at first, it was like buttah! The 13 mile drive took me about 15 minutes, and there were no cars on the road. As people started coming back, it took a little longer, but I go in around 5:00 am, so even on a heavy day, it is more like 20-25 minutes. As mentioned above, this does entail a toll charge and parking, but my work was paying for the parking due to the pandemic. Starting April 1st, they will no longer pay for parking. 

So...what will I do then? That is a great question. I will go back to taking public transportation. Unfortunately, they have not fully reinstated all of the buses and trains due to light ridership in the past two years, so the times are more limited. I will have to go in earlier than I need to or later that I want to, so earlier it is! At first, I will once again drive to the BART station and take the bus in. I may eventually transition back to the bike/BART commute after I get the hang of the scheduling. 

What is in your trunk? My coworker once had to put something in my trunk and when I opened it he gasped. I assumed he was disgusted by how much stuff I had in there, but actually he thought it was really tidy. I thought it would be fun to talk about what is in my trunk. My favorite thing, and one I have used more than once is a 3-in-1 car jumper, battery, and air compressor. Once charged up, it can be used to charge appliances (it has USB ports and a 110 volt outlet), jump your car or pump up tires. It also have a utility/flashlight function. I could write a whole post about this tool alone. It is very cool.

I also have a trunk organizer, which is probably why my friend thinks I am organized. In it is a first aid kit, 2 gallons of water, a towel, a blanket, an umbrella, more jumper cables (belt and suspenders!), dominoes & a deck of cards (you never know...), and an extra pair of running shoes. I also have a "running box" which includes an extra set of running clothes, socks, a hat, a sweatshirt, flip flops, a headlamp, a flashlight, a few snacks, a change of clothes for afterward and baby wipes. I guess if I were stranded, I could survive for at least eight days by utilizing the things in my trunk (if I drank one liter of water a day).

Your turn! Answer one or all of the following: What is your car situation? What is the parking like in your area? Do you have to pay tolls? What is your commute like? What is in your trunk?