Budget killers

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money


M Budget gurus suggest that food be 14 % of your budget.  Dave Ramsey gives a range. 5–15%


V Grocery and eating out. The budget killers. Remedied by planning.   I am not a big fan of making weekly meal plans.  I like to be spontaneous and go with the flow making what I and my family want to eat on any given day.  My bank account does not like that plan:. If I or my husband can ask each person what they would like to eat that week, and we plan and shop only for these items, we purchase  less groceries and waste less.


m  Beware the empty frig and pantry.  That’s temptation to dine out.