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Monthly meal planning has taken me YEARS to develop. One thing to note is that there are 3 adults rotating the cooking in my family. My parents live 2 doors down from us and we decided many years ago that it was easier to feed 7 than 2 (for them) and that mom didn't mind cooking for 7 twice a week if it meant she and dad would be fed by us several nights per week. Some weeks that looks different. Since my husband and I both commute about an hour each way to our jobs, and he works night shift, my mom may have to cook 3 times some weeks. Kids' sports and school activities can also affect our cooking rotation. Let's look at monthly meal planning with a few good tips or rules to get you started:
Now let's look at each question in more detail:
Pro tip: track what you are currently eating for a week or two as you are mentally preparing yourself to begin this process. Just like "getting on a budget" - it is extremely helpful to see what you are currently eating as a family. If you are eating out 5 out of 7 nights, it is unfair to expect you will start cooking 5 out of 7 nights immediately. That is a recipe for disaster! Pun intended! Maybe try cooking 3 nights at first. START SMALL! Good luck and just remember: it doesn't have to be fancy, it just has to be planned. I have a beefy cardiology post that was supposed to drop today, but I don't wanna. I've started it, and it's important, but it's way too serious after coming off a glorious restful vacation. Instead, I thought I would share all the random thoughts that have been filling up and overflowing from my overworked brain. Maybe you can relate. Maybe not. Either way, you might find these entertaining.
Anywho, it's Saturday- the sun in shining - and if you're exhausted parenting toddlers right now, just enjoy the Duplos and Play-Doh. Starbucks and Xbox await! Entitlement and minimal communication are just chillin' - they'll come soon enough! Godspeed moms and dads. How did our parents survive us? 🥰 My quick money story. Everybody has one, right? Some people are born into money, some are not. Some people make a fantastic income and still struggle to pay their bills. Others make an average income and live comfortably within their means. Not many people talk about money. It's a secret. It now comes and goes in several icons on our devilish palm-sized devices (see my love hate relationship with my phone here). Anyway, my money story goes something like this: - average childhood, that's my parents' story to tell, but I never really felt STRESSED about money as a child and I was taught some good sound financial principles (thanks Mom & Dad) -got into > 40k in debt in my 20's by living above my means, keeping up with the Joneses and making poor financial decisions -spent 4 years of my 30's GETTING OUT OF DEBT which looked like paying $1000 /month towards old credit card debt FOR FOUR YEARS STRAIGHT (ouch!) -now I am in my 40's and focused on saving for retirement, paying our house off, and avoiding unnecessary debts I say all of that to say: I am not certified in anything financial. I have read some books and followed some financial influencers over the years, and I am very entrenched in our family's finances. I am also learning from my retired parents about what it will actually look like to live on a retirement income. I am familiar with Medicare, pensions, social security benefits, Roth IRAs, and 401k/403b plans. I am not a day trader or financial wizard. I'm somewhere in the middle, and I think that is probably where most of my readers are too. I have had to have very frank discussions about money with patients over the years (financial stress can GREATLY affect one's health and cause caregiver strain with children of elderly patients). So I decided to write about it. Part of my passion for writing is speaking the truth and shedding light on everything that is making us all stressed and uncomfortable. Now that you know my purpose for this piece, are you ready??? Let's do this! My 10 smart money tips for anyone, anywhere:
Let's go through each Money Tip in more detail so that we have a better understanding of them.
PRO TIP: The pictures below are just an example of using my banking app to monitor my spending. You can see the pie chart is for ALL of my 2021 spending. Since I don't have a car payment, I divided my auto expenses by 12. That came to around $392. Since I know car insurance makes up around $200 of the $392, I calculated that I am spending around $172 / month on gas. This is just an easy example of using your banking app to see what you are ACTUALLY spending on categories in your budget. What you think you spend and what you actually spend are often 2 very different amounts. So do your research! It costs you nothing to look at your spending and it will give you so much insight to your financial health! I did not write this post to provoke guilt or shame about your spending or finances. I have had 40k+ in debt and I have felt that overwhelming burden. It's just part of my story, and I am no longer ashamed of it.
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