Healthy Food on a Budget

This is a sponsored conversation written by me on behalf of Mint opinions and text are all mine. 

While I love making healthy recipes, I often get messages from people who think that eating healthy is expensive. To some degree, I can agree with that because in my family of four I can spend over $300a week at the grocery store. It’s important to me to share nutritious and delicious recipes, but I also understand that affordable recipes are just as important so that budget can’t be an excuse to have a fast food diet and skip healthy eating.  It is possible to eat good foods at a low cost- I made this Spaghetti Squash Lasagna for only $15, but it did take some planning and research to be able to prioritize both health and savings in my home.  

To help get you on the right track, here are my top tips about how to eat healthy on a budget: 

1) Set a food budget…and stick to it!

Establishing a budget is usually one of the first steps when it comes to saving money.  You have to have a real sense of what you actually need and compare that to what you actually want to spend.  This is easily done through Mint, a free service that helps track all your finances, helps with budgets and financial goals. Since utilizing the Mint app, I’ve been so much more conscious of my spending- it’s been life-changing actually! I’ve set myself on a budget in groceries, clothing, entertainment and dining. I then made a separate goal with all the money I plan on saving for a family vacations and home improvements.  All I did was connect my accounts and cards, and my spending automatically gets categorized so I can see all that I spend on groceries- and everything else. I even received emails each week to show my spending categorized in a chart, which I can easily compare to the previous week. Once I saw how much I was spending, I knew I had to scale back and be smarter about eating healthy. All this money spent on food could be saved to spend in other categories like a trip to Hawaii!  

That was when I created my food budget.  My goal was to first reduce spending in my groceries category to $200 a week, so I set my amount to spend each month.  After that, each time I went to the grocery store, the transaction would post and automatically show how much of the grocery budget was already spent for that month.  It even lets me know if I’m getting close to my budget for the month and a notification when I go over. Seeing that budget has helped me so much in making sure that I’m not overspending. It’s a great tool and almost like having online partner helping me stick to my budget each month.  

2) Use Seasonal Produce 

There are so many reasons why eating seasonally is better- less impact on the environment, more nutrients, and better taste (to name a few)- but buying produce in season is actually a great way to save money and eat healthy.  You don’t have to spend on foods that are imported from different regions when it’s growing in season. I like to go to farmer’s markets because you can really see what’s growing at the moment, plus you support your local farmers.  I personally like the anticipation of waiting for foods to be in season- especially in the summer months when there are so many delicious fruits available. 

3) Buy in bulk 

Yes, this is the trip to the warehouse.  I know that this may seem like it’s not money-saving when you’re shelling out hundreds of dollars for a cart full of multi-pack foods, but if you play this right, you can save so much per month.  One trick is to see what you find yourself running out of each month. For instance, if you know you make pasta once a week, why buy individual boxes of pasta and sauce when you can buy everything ahead of time and be set for the month?  I would rather be fully stocked than having to take the time to go to the grocery store each week for items that are in my weekly meal plan. Time is money, but when you’re also buying in bulk, the price per ounce is usually a greater idea.  I also find that since I have twin girls who are in a growth spurt, having snacks and fruits readily available is best for them, and buying those ahead of time in bulk saves time, money, and my sanity! 

4) Have a meal plan and grocery list 

I suggest planning out your weekly meals and making a grocery list for it. This not only saves a lot of money, but will also help reduce food waste. Of course leave some wiggle room for those impulse buys and cravings we all have, but it’s still good to come to the grocery store with a plan. It also takes some stress away from the week knowing we have a menu plan for each meal. It is actually very motivating to set a challenge and meet it. When I saw I saved $100 last week I gave myself a mental high five! Setting a goal by putting myself on a budget was actually fun! Who doesn’t love a challenge?  

If you’re looking for recipes to cook at home, I have so many healthy recipes on my blog for all preferences, but I’m really excited to share my Spaghetti Squash Lasagna to help kick you off on your money-saving healthy recipes.  It’s only $15 for 4 servings, and it’s low-carb, gluten-free and keto-friendly so it can fit into many different diet plans.  What I love is that this recipe suits my husband since it’s gluten-free, it fits my diet since it’s low-carb, but it’s so delicious that it doesn’t even matter to my girls! Anything that looks or taste like a noodle and my kids will gobble it up. 

 

Spaghetti Squash Lasagna | MyHealthDish | Mint Blog

Spaghetti Squash Lasagna 

2 spaghetti squash  

1 jar marinara sauce 

4oz mozzarella cheese 

1/2 cup low fat ricotta cheese 

1/3 cup shredded parmesan cheese 

1 pound lean ground turkey 

1 tbsp. minced garlic 

1 tsp. of salt 

1 tsp. black pepper 

1 tbsp. olive oil 

 

Instructions: 

With a sharp knife poke a few holes around spaghetti squash.  

In a large pot bring water to a boil and submerge both squashes simmering for 20 minutes. 

Drain and cool for 15 minutes before cutting in half and scooping out seeds. 

With a fork shred squash strings and place in a large bowl. 

In skillet pan heat up oil to medium heat and add garlic and ground turkey. Cook and stir for 7-9 minutes or until turkey is completely cooked. Season with 1/2 tsp. salt and 1/2. tsp. black pepper.  

Add ground turkey with squash, then marinara, Parmesan cheese, ricotta and remaining salt and pepper. Gently fold and mix.  

Scoop back into halved squash shells and add slice thin mozzarella on top. 

Bake in oven at 350F Degrees for 15 minutes for all the cheese to melt 

 

The post Healthy Food on a Budget appeared first on MintLife Blog.

Source: mint.intuit.com

Are All the Food Delivery and Subscription Services Worth It?

We’re living in an age of convenience. Groceries can be delivered, clothes can be picked out for you and just about every TV show and movie ever made can be beamed straight into your living room. If I had the money, I could get pretty much everything I need without ever leaving my house.

But unfortunately, I don’t have the money. Do you?

As our society has collectively fallen in love with subscription services, many of us have let them take over our budget. Because these are recurring expenses, it’s all too easy to sign up and forget about your card being charged every month.

It’s time to finally ask yourself -are all of these subscription services worth the money?

Are You Spending Too Much on Subscription Services?

Before you can decide if meal subscription and delivery services are eating up too much of your budget, you have to figure out how much you’re spending on them. This is a very subjective and personal question that depends on your income, total spending and other goals.

Look at your monthly subscription and food delivery spending in Mint, checking to see if the numbers align with your budget. Take the time to sort and categorize the transactions if you haven’t done so in a while. It may help to look through several month’s worth of expenses, because some subscription services like FabFitFun only ship once a quarter.

Spending may also vary based on the seasons or other external factors. You may spend more on food delivery services during final exams because you’re too busy to meal plan. If the seasons change and you don’t have any clothes, you may spend more on personal styling services.

Once you have an accurate account of how much you spend, compare it to your income and other expenses. Spending $50 a week on a meal kit service doesn’t mean anything without context. You need to know how that compares to your other expenses.

How to Cut Down on Subscription Services

If you found that you’re overspending on subscription services, it doesn’t mean that you need to cut them out entirely. Think about how much value each service provides to your life, and prioritize where your money is going.

Make a list of all the subscription services you currently have and how much you spend on them each month. Then rank the subscription and delivery services from most important to least.

Write down how often you actually use the products or services. Be honest with yourself. The goal is to keep the boxes and services that you actually use, love and enjoy on a regular basis. This can help you identify which services don’t fit into your lifestyle – or budget.

Try to be as objective and ruthless as possible here. Yes, you may love getting the monthly Stitch Fix box in the mail, but do you actually keep the clothes they send? Learning to cook with Blue Apron may be a worthy goal, but do you actually like the meals they send?

Once you have a list of essential subscriptions, look at your budget again and determine how much money is left for those services. If the available amount is greater than the total cost, you’re in the clear.

However, if the amount is more than you can afford, it’s time to go back to the drawing board. If you absolutely can’t bear the thought of parting with your subscriptions, you’ll have to look at cuts you can make in other spending categories.

How to Save on Subscription Services

Chances are, you’re paying more for some of your subscription services than is absolutely necessary. Most video streaming services let you watch multiple screens at once so you can split it with friends or family. Some even have student deals if you have a university email address. Your school may even have its own special agreements with certain providers.

If there are a lot of subscription services you want to keep, consider alternating which ones you use throughout the year. Most subscription and delivery services make it easy to cancel and resubscribe later.

For example, if you have a beauty box subscription and a bathroom full of toiletries, quit the service until you’ve used most of the products. Many of these products expire, so you’ll be saving money and cutting down on waste.

If you subscribe services but only use them during a particular season, like a streaming service tied to a seasonal sport, get rid of them and reactivate when you’re ready. You can also do this with streaming services that only have a few shows you’re interested in. Once you’re done watching Stranger Things, for example, you can deactivate your Netflix membership for no penalty.

Seek Alternative Ways to Save

Looking for cheaper versions of your favorite services can also help you avoid overspending. Some grocery stores now have meal kits similar to Blue Apron or HelloFresh. It’s not as convenient, but it’s a much more affordable alternative.

Many companies give customers referral codes they can send out to friends and family. When people use your referral codes, you’ll earn free credit or cash. For example, Barkbox provides a free month if someone signs up for a six or 12-month membership through your referral link.

Sometimes companies will have a special coupon for new customers that use referral codes, like Stitch Fix who provide a $25 bonus for both the new customer and the one who referred them.

You can share these links on social media, by text or through email. Some programs have a limit on how much you can earn with referral codes, but it never hurts to try. If you end up exceeding that amount, you can apply for their official affiliate program to earn cash instead of credit.

If you do cancel a program, check your bank account to make sure you’re no longer paying for it. Some services are guilty of occasionally charging former subscribers even after they’ve quit.

Which subscription service are you going to cut back on this year? Let us know in the comments!

The post Are All the Food Delivery and Subscription Services Worth It? appeared first on MintLife Blog.

Source: mint.intuit.com