Week 37 of 52 - Budging the Grocery Budget...or not.

I’ve heard of a person’s body weight reaching a ‘set point’ where it’s hard to get the pounds to budge. But for us, our grocery and household envelope has also hit a set point.

We have one envelope for all of our household items – groceries, paper products, cleaning products, bath/grooming items, and baby supplies.

When we first began our budget, Walt wanted to separate these into 5 different envelopes, while I preferred the one-envelope approach as I knew who would get the dreadful task of breaking down a Kroger bill into 5 parts. When we met with the financial coach, I had my one-envelope defense prepared, and thankfully he recommended one envelope before I could clear my throat. Since we were chatting via conference call with the coach, only Walt could see my one-envelope victory dance.

So we’ve managed to meet the financial coach’s budget recommendation for that envelope. To do this, we use coupons, shop sales, plan meals, and use Amazon mom for diaper discounts. But try as we might, we weren't able to spend less than his recommendation. Then last month, we had almost $200 left in our grocery budget, so I thought I’d finally broken a record! I excitedly moved some over to savings, and covered a few other expenses.

Before I could revel in my accomplishment, the September grocery budget exploded – day diapers, night diapers, 932 tubes of diaper cream (or at least it seemed), good coupon stock-ups, and a few unexpected grocery trips. Suddenly, we are only 10 days into the month with $75 left for the rest of the month. So most likely, exactly what I “saved” last month will go back into this month’s grocery budget.

Lesson learned for us – our grocery dollars can’t be liquidated for other goals. If we spend less one month, we will undoubtedly make up the difference the next. I may never embrace my body’s natural set point, but I’m at making peace with the grocery set point… at least until the little guy is out of diapers.


We've been embracing the wonderful weather lately. On the cool days, we've played outside...

On the rainy days, we watched it rain and raced our trucks around...and eventually went to the Chickfila playground to burn the energy of cooped-up little boys.