Stop Eating Your Way Into Debt!


Eating out is among the of the top causes of personal debt. Most of us hunt for the best interest rates on our mortgages and we complain about the terrible price of gas the whole time we are pumping it.

Many people wonder how to save on groceries, but eating out is among the of the top causes of personal debt and most people don't give it a second thought. Here's how to save money on food and spend less time on dinner without eating out!

Stop Eating Your Way Into Debt!

Interestingly enough though, I have yet to hear one person groan about the awful prices they had to pay for lunch today or tell how they were duped into having to pay such high prices at their favorite restaurant. I mean really, the government should step in and make all restaurants take steak off of their menus so I wont be tempted to order it. Then there are those fast food places. They shouldnt be allowed to build so close to the road and make it so convenient for me to drive in there each day. They have a lot of nerve expecting me to be a responsible adult who knows what I can or cant afford and should or shouldnt do.

Tut, tut. I had better behave or I will have to fire myself. HA! HA! But I do feel so much better for getting that off of my chest.

Anyway where was I? Oh, yes saving money and eating out. I know most of the excuses we use to justify eating out when it doesnt really fit in the budget: I dont have time, Im too busy, I dont know how to cook, and last but not least, its so much easier to eat out.

I totally understand. I, too, dont have time to do things. I dont have time to take care of my yard, so I will hire a crew of gardeners to do it. I too dont have time to clean my house so I will have a housekeeper come in every day and do it for me. I dont know how to cook so I need a chef (the best French one, of course) and it is so much easier to hit my garage sales if I am chauffeur driven.

Obviously my examples are tongue in cheek but, as ridiculous as that all sounds, that really is what a lot of us are doing. In the same way that I cant afford a gardener, housekeeper or chauffeur and I would be pretty foolish to go hire them, many of us cant afford to go out to eat but do it anyway. I dont think most people really realize how much they spend eating out each month and would be shocked to find that they could probably hire a housekeeper or a gardener for that same amount.

Take one week and write down how much you spend eating out. That includes all those coffees, soft drinks, things from the vending machines and snacks you buy throughout the day. Be sure to write down the amount of anything that goes into you and your familys mouths for an average week. Im afraid you may be unpleasantly surprised. Multiply it by 4 to get a monthly estimate and I think you would be just plain shocked.

Im beginning to wonder if another reason we eat out so much is that it has just become a habit. Like many bad habits, we get so comfortable with them that we dont want to change them. Even when we know that a habit is destructive to us (physically, financially and even emotionally), we still do it.

Some of us look down our noses at other people with bad habits like drug addicts and alcoholics and cant understand why they dont just kick their habits. Dont they see what they are doing to their families????

What is the difference between other peoples destructive habits and our repeatedly going out to eat and charging it? We know the food isnt as good for our families, we know we dont have the money to pay for it, and we know on bill paying day we will be so stressed that we will take it out on everyone around us. We so proudly display our bumper stickers that say Say no to drugs. but how many of us could proudly display a bumper sticker that says Say no to debt, Im debt free.

(Please do not e-mail me about drug addicts and alcoholics. If you do, you are missing the point of the article and are only making it more clear to me that you are probably one of the people not willing to own up to or face the real issue your debt.)

I know those words may sound harsh to some, but if you have seen and dealt with as many families as I have, whose homes have been or are being destroyed because of financial irresponsibility, you would understand why I cant always sugar coat things. We sink into a fog of apathy, hopelessness and discouragement and just give up trying. I really want you to understand you can fix your finances, but it will take a little bit of work and effort on your part. Dont just throw up your hands and give up.

There is a story in the Bible (John 5) that tells about a man who couldnt walk. He had laid by a healing pool for 38 years. If he could dip in the pool when the water stirred, he would be healed. Jesus asks him what he is doing there and he says Well, I just dont have anyone who will carry me and put me in the pool (Poor little old me.) Jesus then asks him, Do you really want to get healed? This might seem to us a strange question but, as I once heard a woman speaker point out, if he really wanted to get healed wouldnt he have tried some way to inch his way over to that pool even if he could only make it a half an inch a day no matter how hard it was?

Maybe Jesus asked this question because He too thought here is a man, like so many do these days, making excuses, being a victim and waiting for someone else to fix his problem for him. What did Jesus tell him to do? GET UP! (stand on your own two feet), TAKE UP YOUR BED (start being responsible for your own things), and WALK (become active in solving your own problems which may mean physical labor, or doing without some things).

You need to be like the lame man and GET UP, TAKE UP YOUR BED and WALK. If you know you are going out to eat too much then stop saying youre a victim of these hard economic times. Be responsible for the bed (or the debts that you have now) and actively start doing something about it today. It isnt as hard as you think. I can take every excuse for eating out that I mentioned above and prove that theyre not really valid.

I dont have time. For the amount of time it takes you to drive to some place, wait for them to take your order and then wait for them to prepare your order, I can give you 10 menus or more that would take less time for you to prepare at home.

Im too busy. If you are too busy to take time to feed your family, something that is a necessity of life, then you are too busy. I have very rarely heard anyone say that they are too busy to get their hair done, go shopping, go to sports activities, talk on the phone or spend time on the computer. You really can find the time.

If I sound like I dont have patience with that excuse, its because I dont. I was a single mom with 2 teens, working 60 -70 hours a week, doing all my own yard work, home repairs, and on and on and guess what? Except when I was ill, I always found time to make breakfast and dinner.

I dont know how to cook. So learn. Start simple. Even my 9 year old grandson can boil himself a hot dog. You dont have to produce a gourmet meal to make your family happy and in most cases they would prefer you didnt. There are simple enough instructions on the back of a package of spaghetti noodles that, once again, even a child can read and follow. Warm up a jar of sauce and dinner is served. You now have two main dishes that take less than 10 minutes to prepare.

I understand that man cant live on hot dogs alone (although I think kids can), but dont worry after a week or two of simple dishes, you can move on to more complicated things like frozen French fries and frying hamburgers Plus if you really get stuck, I just happen to know of this really good cookbook called Dining on A Dime that can help you.

Its so much easier. I guess that depends on your definition of easy. To me, going to a restaurant, sitting and listening to loud music for 30 minutes with fussy, hungry, complaining kids is not my idea of fun. Going to a drive-thru is, at times, not much better. Lately it seems as if the line of cars wraps around the whole building at every fast food joint that I drive by. I was amazed to see every restaurants parking lot jam packed two days after Christmas. (Must be that all those people who couldnt afford Christmas had gotten a windfall.) Sorry, once again I digress.

You may say The restaurant where I go isnt that bad. but my point is that everything has its drawbacks, whether you stay at home to eat or go out to eat. Its just a matter of what you make up your mind to put up with. Do you want the pain of cooking or the pain of not knowing how to pay your bills.

If you are in debt, it would be wise to start putting up with a few of the drawbacks that come with eating at home. Besides, if you are really serious about saving money, there are ways to make cooking at home much easier.

  1. You can use convenience foods. There is nothing wrong with buying things like French bread, canned biscuits or bagged salad. Line the pans you use with foil, or use disposable pans. Its cheaper in the long run to use these than going out to eat.
  2. Clean up as you cook.This is very important because I notice a lot of people make a bigger mess than necessary when they cook.
    • Instead of messing up the whole stove by repeatedly laying a sticky spoon on it, use a spoon holder or cup. It is a simple thing that makes clean up so much easier.
    • Keep some hot soapy water in the sink while you are cooking and wash things as you finish with them.
    • Dont set that carton of milk down on the counter after you pour it. While its still in your hand, put it back in the fridge.
    • Keep the number of utensils you use to a minimum. You dont need to put a lid on a pot every time you cook something.
  3. Dont always think gourmet. Most families are so excited to get a homemade meal that they dont care what you serve them. Besides, almost any meal can be made to look gourmet. Fruit sliced and arranged nicely on a plate, muffins keeping warm and nestled in a napkin inside a basket or mashed potatoes piled high with a chunk of golden butter melting down the sides all have eye appeal. All right I made myself hungry! Maybe its time to quit for lunch.
  4. Clean up is one of the main reasons people hate to eat at home,but if you clean as you go like I mentioned earlier and everyone pitches in to help clean up after dinner, it should only take about 15 minutes to get it all put away.* It would take longer than that to drive to a fast food place and return home.

    *See our article, Dirty Dishes Cause Debt.

  5. Pull out those crockpots. It takes about 5 minutes to throw in a roast, potatoes and carrots. It takes the same amount of time to throw in the ingredients for chili, stew or vegetable soup.
  6. If you are dragging the kids to an after school game:Instead of going to a fast food drive in, throw some hot dogs in a thermos and cover with boiling water. They will be cooked and ready to eat by the time you get there. How long does it really take to grab a few pieces of fruit, a bag of cleaned veggies and some chips to go with them? Maybe 2 minutes? How hard is that to cook?

    You could also have sloppy joes simmering in a crockpot and pour those into the thermos for an on the run meal. To make it even easier, heat it up from a jar and then pour it in the thermos.

I dont know who set the standard that cooking a meal in 30 minutes is fast. If I took that long to cook a meal every night I would never get anything done. There are tons of meals out there that require 15 minutes or less prep time.

If you dont know where to start, then drag out your Dining On A Dime cookbook or check out the Groceries On A Dime e-books. We share lots of ideas there to get you started. Sometimes we like to make things more complicated than they really are because that gives us a good excuse not to do them. Where there is a will there is a way.

Do you really want to get out of debt? Then GET UP, STOP CHARGING, and GET COOKING!


Lower Your Food Bill With Food You Family Will Love!

Would you like to serve food that will lower your grocery bill and your family will love to eat?

Click here to get the Dining On A Dime Cookbook, with tasty recipes and great tips to make your life easier and save you money!

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