Cost of living crisis 2: Groceries

Food means a lot to me. At a basic level, it’s a key part of our every day life but it is also somewhere memories are made and locked in. From the soft comfort of my granny’s potato pie (literally mashed potato, onions and cheese baked in a pie dish with cheese on top aka best comfort food ever) to the smokey, social delights of nyama choma and the perfect mukimo accompanied by a cold beer, food is so evocative. A lot of the discussion on my Brilliant Ladies’ Insta are about frugal food and keeping costs low whilst keeping quality and enjoyment high.

Food is central to good times and bad in my culture – no difficult family conversation, lengthy future planning session, or celebration – of either life or death – would be possible without a central table of food to act as referee and peace keeper between the participants. In my own house, food is linked in my mind to love, to taking care of my children and creating a cosy, secure home with our own small traditions.

Oh yes please! Photo by Brooke Lark on Unsplash

These days though there are also two less comforting sides to feeding the family. Firstly, and the focus of this post, is the soaring cost of groceries and how to manage your budget. The second is the ethical aspects of food – industrial farming methods and animal welfare issues, exploitative employment practices, and reliance on cheap imports which have a heavy environmental footprint, are all real concerns when making choices in the supermarket.

Food prices in the UK have traditionally been quite low compared to the rest of Europe, but this ‘golden era‘ came to an end during 2022. Rises in inflation and fuel prices, as well as global shortages and issues with supply chains means that food is getting more expensive. In January, poverty campaigner Jack Monroe highlighted how the way tracking rising prices are calculated glosses over the impact on lower income families. By last month, 92% of Britons claimed they were cutting back on grocery and food costs in order to reduce their outgoings: both in relation to the cost of food but also to save they money needed to respond to increases in fuel and household energy. Food price rises in the UK are shortly expected to have reached 15% within one year. Kenya has seen a similar rise, and is seeing the impact of rising fuel costs on transporting food into and around the country. So it looks like either granny’s potato pie, or that plate of nyama choma, is going to cost a lot more this year.

The modern day equivalent of heading into Tiffany. Photo by Franki Chamaki on Unsplash

So – what can you do to keep an eye on your grocery budget?

We already shop at discount supermarkets: in Denmark that means LIDL (and my mum and I talk on the phone about whether they have the same things on offer in the UK as here. Rock and roll): and Rema 1000. These are so much cheaper than the fancy supermarket, and I am also not tempted by the delicious bouji foods which are on offer there.

The building blocks of cutting food spending seem pretty easy, but, like any diet habit, it’s about how much you stick to them and whether you have emotional splurges:

  1. Meal plan. This is the most important thing, because the shopping and preparation all stems from here. Who is eating at home and when? (in 2021 this became a trick question since the answer is ‘all of you’ and ‘all the time’). What are the things you like to eat? How are you going to get your five-a-day? From then, the questions are around how you can stretch out both the food and the preparation – things like roasting a chicken then using the cold leftover meat the next day or two; or cooking a basic batch tomato sauce which can then be turned into spaghetti sauce, pizza sauce, or the base for a chilli. I have been meal planning for a while, but I am still terrible for thinking ‘ooh I don’t feel like that any more, let’s have something else’. It helps me to remember that this contributes to reducing food waste: UK households throw out the equivalent to a whole month’s worth of grocery budget every year whilst the amount of food wasted across the country could feed half the 7m Britons who are struggling to afford to eat. That’s something worth making our own small changes for in my view.
  2. Stock-take and write a shopping list: When you have meal planned, break it down into the ingredients you need for the week. Then check your cupboards/fridge/freezer and check you have what you need. Are there things you’ve not included but need to check, like coffee? I have a page up on the pinboard in the kitchen where I write staples like this, or flour, oil and so on. Write them all down in a list which is easy to use, organised by the shops if you’ll visit more than one, then by aisle if you can remember such things. The real trick though is a) remembering to take the damn list with you (which is why lots of people keep it on a phone app instead) and b) following it when confronted with other options.
  3. Batch cook, or batch prepare: Batch cooking is now so well known that there are whole books about it but it’s basically making things in big enough quantities to freeze additional portions and basically create your own ready meals. It’s just as much hassle and time to prepare five portions of something as it is one, and it usually works out much cheaper. Every week I make a basic roasted aubergine and tomato sauce every weekend (don’t tell my daughter it has aubergine in, fur would fly) and use this as a tomato sauce base. My top tip on batch cooking is to label everything properly, otherwise Freezer Surprise will be a regular on the menu: and freeze it in portion sizes so you don’t have to defrost and potentially waste a whole load of goodness.
  4. Batch prepare: In an effort to increase my vegetable intake, I make a dry coleslaw mix (basically just the vegetables) using the food processor, every week. This week I grated up carrot, beetroot, celeriac and spring cabbage and have used it in a standard salad, in a salmon poke bowl, and with mayo as an accompaniment to a sandwich. I also do things like prepare roasted chicken for use in lunches.
  5. Enjoy yourself. Yes we’re budgeting (and trying to save the world) but food should also be a pleasure. Make things you like to eat. Find a time when the planning and shopping works, involve the kids in talking about meals they look forward to, and involve them in prep. My son and I make a cake every week as our treat for the week, usually one for home and one with the same mixture made into cake bars for school. Then I batch cook/prep in a two-hour window at the weekend when the kids are playing or with friends, and I listen to an audio book. It genuinely feels like a pleasant time, much more so than trying to slam a meal together at 17.30 on a work night. Some people prefer an evening’s cooking with a glass of wine – it’s all about what works for you.
Last week’s food prep in our house – Sunday evening and all is ready…

How is the rising cost of food impacting you? I’d love to hear your tips!

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Budget Check In: February

My second proper budget check in (having been blogging for 14 months. Small victories). And a lovely short month to focus on, after January which seemed to last 3100 days instead of 31. However, it did contain the February half term holiday; and an even-more-enormous-than-usual heating bill after I did the meter readings and it turned out we used a whole heap more than anticipated in 2020. This was also the month that we had to pull the house deposit together. But here we are: a check in of spending and saving for this month.

Month 2! Photo by Glen Carrie on Unsplash

I carried on the habit of tallying up the budget weekly, which I found really helpful. What I also noticed was that I do well throughout the month then have a sudden splurgy freakout in the last week and get takeaways etc and generally let loose. I had never really understood that I did this, and it’s so helpful to identify habits like this and be able to work on them.

So, how did we do?

  • I spent £6,164, or 133% of my monthly budget. This clearly sucks. There were three issues this month: £700 on winter tyres (I didn’t need them last year, but with temperatures of -9 and weeks of snow and slush, this year I really did). We also went on holiday for the February break, which cost £978, sharing a holiday home with another family just a 90 minute drive away. This felt expensive but it was totally worth it to spend time with others, somewhere with a heated pool and a hot tub. Money well spent having not spent a night away from home since June. Finally, we had a monster heating bill of £1,000 which will be the same every quarter this year. Blimey. We got all the old jumpers, socks and blankets out the day I got that bill, so fingers crossed that we won’t have another such bill next year.
  • There were some smaller over-spends against the monthly budget but these should work their way through. I spent £100 on a birthday gift for a colleague where others will pay me back; and another £100 on a series of exercise classes prescribed by the doctor, where my health insurance should cover the cost. Starting that exercise class is hopefully a step on the road to a healthier me, but oh my gosh it’s total hell.
  • But there were also lots of areas where I was well under the budget, and I spent 104% of the grocery budget which is the closest I have come to sticking to this one and which I am proud of! So, some gains in spite of the overall overspend.
Winter tyres. Surprise huge payment! Photo by Sid Ramirez on Unsplash
February
Item Monthly BudgetSpent Feb% of monthly budget
Childcare costs £         1,100.00 £          730.0066
Car (insurance, tax, petrol) £             125.00 £          731.82584
Charity £                66.67 £             25.8339
Eating out £             120.00 £             92.7177
Entertainment – subscription £                50.00 £             37.2474
Entertainment £             100.00 £             16.0216
Kids – extra curricular £             250.00 £                     –  0
Family £                50.00 £                     –  0
Groceries £             400.00 £          417.87104
Holidays  £             300.00 £          978.41326
Insurance £             200.00 £                     –  0
Personal care £                30.00 £             73.45245
Shopping – general £                25.00 £          134.12536
Shopping – gifts incl birthdays £                58.33 £             86.00147
Shopping – clothes £                29.17 £                     –  0
Rent and Bills £         1,500.00 £      1,500.00100
Transport £                41.67 £          101.16243
Utilities £             200.00 £      1,240.24620
TOTALS £   4,645.83 £      6,164.87133%
Savings though – am I sitting on a pile of cash yet? Photo by Mathieu Stern on Unsplash
 Monthly BudgetFebruary% of plan
Mortgage Capital  £                    865 £                 865100
Mortgage Overpayment  (actually deposit this month) £                1,250 £                100080
 Emergency Fund  £                    100 £                100100
ISA £                1,250 £                50040
Kids savings £                    248 £                248100
SIPP £                    300 £                300100
  £   3,148.00 £ 3,013.0087

Whilst the savings rate doesn’t look as good, I didn’t count up everything extra that I paid to my deposit for our house in Denmark, which all had to be in the account by the end of this month and which is in place! That’s £90,000 as a down payment ready in the bank, waiting for a big decision next month. I struggled to get the last little bit in place, so even though it looks as though I saved less than planned I am pretty confident that any additional money trickled into the deposit account and will count as capital at some point!

Overall I saved 34% of my income, and spent 66% which is a little worse than planned.

Hopefully this is because of money spent – such as on the car – where it will balance out over the course of the year. And I am proud of some of the areas where I have been able to really control my spending and starting to see changes, such as grocery spending.

How was your February? I’d love to hear how its going!

Frugal challenge: the grocery budget

Ah food. Pancakes with sugar and lemon on a Sunday morning. The smell of roasting chicken with garlic and thyme. An apple so crisp it’s like cracking ice. Watching a movie with your arm sunk up to the elbow in a bag of Cheetos. Heaven.

Also known as The Giant Budget Sink Hole.

Food matters to me. It makes me think of family, taking care of my children, and warm hygge home making times. I always cooked with my granny and my mum, and as kids we had to be able to prepare one meal a week for the whole family by the time we were 9 years old. This is something I do with my own kids: it makes no sense to raise children who can’t feed themselves! Plus then I get a night off.

With my ethical hat on I also care about where food comes from and that that does to the planet, as well as to our health as a family. The debates during Brexit about food standards have been divisive (Brexit topic shocker!) but also showed me how little I had appreciated the standards in place for animal welfare and ethical consumerism. The desire for cheap food, without caring where it comes from and any longer term impacts, opens up some terrifying options for dystopian future, and I say that in a time which sometimes feels more like dystopian right-now than anything else. In Margaret Atwood’s novel Oryx and Crake, she introduces ChickieNobs: the delicious, easy pieces of chicken we love to eat so much grown in a lab without the need for actual animals. That novel was written eight years ago – last year, start ups were raising hundreds of millions of dollars to do exactly that through the growth of ‘cultured meats‘.

In spite of all that, I would be pretty happy to arrive at *this* party. Photo by Spencer Davis on Unsplash

All this to say, when it comes to food, as with all aspects of FIRE, it really matters that it’s about value and not just price. This year, I want to commit to making more conscious decisions about food. I was raised a vegetarian from birth, and stayed that way until I was 26. So a lot of our meat consumption is about ease, and about having one fussy child who is vehemently anti-vegetable. And laziness on my part. But I’m increasingly aware of the need to do better in this area, and how the small choices I make contribute to my own FIRE journey and to my footprint on the planet.

But I also think of myself as someone who is frugal with food, and that just ain’t so. In 2020 I spent £6,160 on groceries plus £2,100 on eating out. I am so, so fierce about not eating out that I am frankly astonished at that last figure: I go for dinner with friends maybe once or twice per year, and whilst we do have a take out pizza once a month the bill is usually £30 a time, so the rest is a mystery. This year I budgeted £4,800 for groceries, so savings are going to have to be made. It took me a while to get to a realistic grocery budget, but it will take a while for it to stick. I love Mrs Smart Money’s guide to setting a grocery budget, and if you are looking for inspiration, do read about her no spend year and how she slashed her spending on food without losing out on quality.

We already shop at discount supermarkets: in Denmark that means LIDL (and my mum and I talk on the phone about whether they have the same things on offer in the UK as here. Rock and roll): and Rema 1000. These are so much cheaper than the fancy supermarket, and I am also not tempted by the delicious bouji foods which are on offer there.

Ideally following the shopping list rather than just staring in surprise at the receipt. Photo credit

The building blocks of cutting food spending seem pretty easy, but, like any diet habit, it’s about how much you stick to them and whether you have emotional splurges:

  1. Meal plan. This is the most important thing, because the shopping and preparation all stems from here. Who is eating at home and when (in 2020 and, seemingly, 2021 this is a trick question since the answer is ‘all of you’ and ‘all the time’). What are the things you like to eat? How are you going to get your five-a-day? From then, the questions are around how you can stretch out both the food and the preparation – things like roasting a chicken then using the cold leftover meat the next day or two; or cooking a basic batch tomato sauce which can then be turned into spaghetti sauce, pizza sauce, or the base for a chilli. I have been meal planning for a while, but I am still terrible for thinking ‘ooh I don’t feel like that any more, let’s have something else’. Practice makes perfect.
  2. Stock-take and write a shopping list: When you have meal planned, break it down into the ingredients you need for the week. Then check your cupboards/fridge/freezer and check you have what you need. Are there things you’ve not included but need to check, like coffee? I have a page up on the pinboard in the kitchen where I write staples like this, or flour, oil and so on Write them all down in a list which is easy to use, organised by the shops if you’ll visit more than one, then by aisle if you can remember such things.
  3. Batch cook, or batch prepare: Batch cooking is now so well known that there are whole books about it but it’s basically making things in big enough quantities to freeze additional portions and basically create your own ready meals. It’s just as much hassle and time to prepare five portions of something as it is one, and it usually works out much cheaper. Every week I make a basic roasted aubergine and tomato sauce every weekend (don’t tell my daughter it has aubergine in, fur would fly) and use this as a tomato sauce base. My top tip on batch cooking is to label everything properly, otherwise Freezer Surprise will be a regular on the menu: and freeze it in portion sizes so you don’t have to defrost and potentially waste a whole load of goodness.
  4. Batch prepare: In an effort to increase my vegetable intake, I make a dry coleslaw mix (basically just the vegetables) using the food processor, every week. This week I grated up carrot, beetroot, celeriac and spring cabbage and have used it in a standard salad, in a salmon poke bowl, and with mayo as an accompaniment to a sandwich. I also do things like prepare roasted chicken for use in lunches.
  5. Enjoy yourself. Yes we’re budgeting (and trying to save the world) but food should also be a pleasure. Make things you like to eat. Find a time when the planning and shopping works, involve the kids in talking about meals they look forward to, and involve them in prep. My son and I make a cake every week as our treat for the week, usually one for home and one with the same mixture made into cake bars for school. Then I batch cook/prep in a two-hour window at the weekend when the kids are playing or with friends, and I listen to an audio book. It genuinely feels like a pleasant time, much more so than trying to slam a meal together at 17.30 on a work night. Some people prefer an evening’s cooking with a glass of wine – it’s all about what works for you.
This week’s cake (and a reminder to remove the Christmas table cloth): Victoria Sponge.

So – how do you keep your grocery budget down? I’d love to hear your tips!