Old friends, one being 92 and the other 91.
Having their morning tea on the front porch.
Merralee had been repeating herself many times to her hard of hearing friend, finely ask ‘Vera, why do you have a suppository in your ear?’
After a minute of silence, Vera said ‘damn! Now I know where I put my hearing aid.’
The Chart Below Is based on my personal experience and watching my coworkers purchasing habits.
Many if not all actually spent more per-day on out of home food and beverages than is reflected on this chart.
Note that daily/weekly incomes are ‘Before federal employment Taxes’ have been deducted or (local/state sales taxes have been added on). At $10.00 an hour, the federal tax base will deduct a minimum of $1.20 from your daily wages($60.00 weekly) leaving you with a maximum of $78.80 daily available cash after federal employment taxes are deducted.
With a few very small changes in your daily habits you can save $80.00 or more every week. We are all some what creatures of habit from the time we get out of bed in the morning until we get back in bed at night. With only a few life style habit changes you can save $4,000.00 or more dollars every year.
What will you use that new found $4,000.00 for?
Remember this chart reflects the per-person daily/weekly food and beverage cost. If your spouse is also working out of home they can achieve the same $4,000.00 per-year savings and put $8,000.00 or more dollars back in to your family bank account.
|Food / Beverages||Daily Cost||Weekly Total|
|Soda 1 bottle daily||$1.80||$9.00|
|Coffee 1 cup daily||$1.75||$8.75|
|Muffin – Doughnut 1 daily||$1.79||$8.95|
|Bottled Water 1 daily||$1.59||$7.95|
|Lunch Sandwich 1 daily||$5.00||$25.00|
|1 Small Bag of Chips||$1.00+||$5.00+|
|1 time weekly Restaurant Dinner||$15.00||$15.00|
|Daily income @ $10.00 per-hour||$10.00||$80.00|
How does this work?
Start by keeping a weekly food & beverage diary
Jot down the cost of every food, snack and beverage you (out of home) purchase daily for 1(one) full month. Use this list to determine what foods and beverages you can cut or reduce by bring the same items from home or eliminating them all together.
1. Reduce soda consumption by at least 1 bottle/can daily.
2. Make coffee at home, it cost about $0.10 cents a cup.
–don’t buy bottled tea, you can brew tea at home for about 10 cents a cup.
–don’t buy fruit drink, if you must have it, buy 100% pure fruit juice.
3. Bake your own muffins and cookies. Use a low or no sugar recipe.
–add berries or fresh fruit for added sweetness and flavor to your muffins.
4. Drink tap water in a bottle you provide.
–100% pure water, 100% safe. Cost less than 1 cent per bottle.
5. Brown bag, fix and take your lunch with you.
–make yourself a salad and fruit lunch.
-make your own low fat low calorie dressings.
-Eat out no more than once a week, don’t order high fat, high calorie meals.
6. Don’t spend money dinning out more that once a month.
–don’t order IN pizza and similar expensive – high Fat high Calories foods.
7. Strike potato and corn chips off your shopping list.
–after a few weeks you will adjust and will not miss having them.
Note: It can be done! I haven’t purchased chips or dip in more than two(2) years.
Not only will you save a lot of money you will cut hundreds of fat calories from your diet.
Keeping the math simple, you can easily save $70 to $95 dollars a week with very few changes to your daily habits.
Extending these saving to a family of 2, [$75.00 week each] X 2 = $150.00 weekly savings for two people, that’s over $8,000.00 a year.
Getting your children involved will give you even larger weekly savings. Think about what you could do with 8 or 10 thousand dollars next Christmas.
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Why is common sense so uncommon?
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