How to Be Frugal Saving Money While Not Eating Out (2024)

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I think you can probably agree that when working toward living a frugal lifestyle, you can save a tremendous amount of money by not eating out. Although we can agree about this in theory, it can be something that is really hard to put into practice when the days get long, countless things go wrong, and we have a bunch of hungry troops who are whining and crying. We all know that when these thing happen, it can be really hard to not just throw dinner out the window by eating out.

Since we don’t need to spend much time proving the case that not eating out is the frugal choice, we are going to take the time to address some ways that we can still serve our family dinner when life seems to blow up in our face.

If you are wondering about how to be frugal, saving money while not eating is essential. Here are five things you can do to increase the likelihood that you will not be eating out tonight.

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Meal plan

I have written about the many advantages of meal planning in posts like Why I Heart Menu Planning, This One Thing Saved My Sanity, and 10 Reasons Why You Want a Meal Plan. Within these posts, I take on the many reasons why meal planning is advantageous including that creating a simple meal plan decreases your chances of eating out.

Life gets in the way of things at times, but when you have a plan, these little, or big, hiccups in your day don’t have to completely derail you.

If meal planning overwhelms you, I even have help for you there, too, as I took my meal planning process, which starts with doing a quick inventory of what you already have on hand to work with, and then broke it down step by step in Menu Planning 101 Part One and Menu Planning 101 Part Two. Those two posts take the overwhelming feeling that can often accompany meal planning and gets rid of it altogether.

The truth is if you are wondering more about how to be frugal, not eating out is key. A meal plan is one of the solutions you need to accomplish this.

Keep a well organized family calendar

When you have a well organized and complete calendar, you can see the potential snags that will occur within your week. These kinds of snags and tricky parts that collide during the dinner prep time or the dinner hour can send us running for the nearest pizza place. About $30 later, we can then feed our family in most cases.

Snags can occur in a variety of forms. They can be activities keeping us away from home to make dinner or to serve dinner, they can also be several family members who will not be home to eat dinner during the regular dinner hour, and they can also be a day that is just overly busy.

Keeping a well organized calendar allows you to find solutions to these snags ahead of time, ideally on the weekend when you are planning for the week ahead. Most times, there are solutions that are not too hard to find, but if we are trying to problem solve in the midst of these snags and snafus, oftentimes we are looking for the easy way out, which means eating out.

Do some meal prep on the weekend

Weekends are so nice for relaxing and slowing down, but weekends are also a time to set ourselves up for success in the week that follows. In How to Set Yourself Up For a Really Great Week, I take you through many of the things I do on the weekend to accomplish a more successful week. Meal prep is a huge part.

If you are wondering what meal prep could consist of, I’ve got you covered on that as well. In 8 Meal Prep Tips That Will Save You Loads of Time, I lay out several fairly simple things you can do that will make preparing a meal so much easier.

Having a meal plan only makes your meal prep more efficient since when you know you will need chopped onion for three meals during the upcoming week, you can chop everything you need for those three meals on the weekend. Will you need browned group beef for both chili and tacos during the upcoming week? Because you saw this overlap on your meal plan for the week, you can brown everything you need on the weekend.

Meal prep can also include things like cutting fresh vegetables for snacks, pulling meat out of the freezer for dinner a day or two ahead of time, and even making entire meals on the weekend when your schedule is less demanding.

If you are looking to be more frugal, meal prep is huge.

Make dinner in the morning every day

If you have never done this before, you just might be amazed at how seamless this can make the latter half of your day go. Not only is the morning often a great time to multi task because we are often taking care of a variety of little things, life hasn’t had much of a chance to get in the way yet during the morning. The hiccups that come usually come later in the day, or they give us a huge backup later in the day.

Perhaps the most powerful thing about making your meal in the morning is that you are not trying to make a meal during the witching hour. You may not know the witching hour by that name, but I am guessing you are quite familiar with younger kids who are just grumpy by the time 4:30 rolls around, older kids who come home from school frustrated and “hangry” (both hungry and angry), and yourself with a very waning reserve of patience and desire to do anything but just survive until bedtime. Making your meal in the morning, or at least a good portion of your meal, takes dinner prep out of the equation during the witching hour.

As I talked about in day one in this series, How to Be Frugal in the Kitchen, I talked about how I am often making a hearty breakfast in the morning. When I am already in the kitchen making oatmeal or homemade waffles, I can also be preparing things I need for the evening meal at the same time. Then, I can continue making the rest of the meal at another time before we even get to the lunch hour.

Not having to make dinner during the typical dinner making hour is a huge, huge life saver not only when it comes to avoiding eating out, but also when it comes to maintaining my sanity!

Meal swap with friends

This is such an amazing resource that so many don’t know about. Creating a meal swap group with other moms can not only be practical, but fun, too. In Have You Discovered the Beauty of a Meal Swap I break down the nuts and bolts of how this works so you will find the details there. For our purposes here, I will say that a meal swap is when you have a handful or more of participants who prepare the same dish for the number of people in the group. Then, each person swaps those dishes with everyone else, which gives you meal variety without having to make every meal yourself since you only made your one meal to swap several times.

Sound confusing? Don’t worry, just go read Have Your Discovered the Beauty of a Meal Swap. Then, you will see how a meal swap is a very beautiful thing that can help you avoid eating out.

If you are looking to stretch your family dollar, eating meals you prepare at home, rather than eating out, can make a huge difference!

Looking for another way to stock your freezer? Do you have an hour? Then you can have 10 meals in your freezer at the end of that hour with this program. Special dietary needs? No problem. Those are covered too.

Details below!
How to Be Frugal Saving Money While Not Eating Out (2)

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How to Be Frugal Saving Money While Not Eating Out (2024)

FAQs

How to Be Frugal Saving Money While Not Eating Out? ›

You just have to figure out a handful of meals to keep on rotation and make sure you stock up on those ingredients each week. Doing a “big cook” at the beginning or end of the week so you don't have to stress about preparing food during work hours is also a big help.

Can you save money by not eating out? ›

You'll Save Money!

Let's say you're a family of 4 who typically eats out 3x per week. At $15 per person, you're spending about $720 every month at restaurants. If you replace those meals with home cooked ones costing approximately $5 per person, you'll see savings of $480 each month!

How can I save money without taking it out? ›

Cash in on your birthday.
  1. Automate transfers. ...
  2. Count your coins and bills. ...
  3. Prep for grocery shopping. ...
  4. Minimize restaurant spending. ...
  5. Get discounts on entertainment. ...
  6. Map out major purchases. ...
  7. Restrict online shopping. ...
  8. Delay purchases with the 30-day rule.
Mar 26, 2024

How to not eat out so much? ›

What follows are some of the responses I thought to be most interesting and helpful.
  1. Make sure you have enough food on hand to prepare meals quickly. ...
  2. Try to have three meals in the freezer at any point. ...
  3. Get a slow cooker and use it. ...
  4. Keep it simple. ...
  5. Always, always make a menu plan. ...
  6. Devise your own reward system.

How can I save money if I don't cook? ›

Here are their top budget-friendly food tips that involve as little cooking as possible.
  1. Check out the prepared foods section at your local grocery store. ...
  2. Make a list of budget-friendly takeout restaurants near you. ...
  3. Try a DashPass Subscription. ...
  4. Get creative with your takeout orders. ...
  5. Give yourself a takeout budget.
Jan 12, 2024

How long can you realistically go without food? ›

A general rule of thumb follows that the average human can go about three to four minutes without oxygen, three to four days without water, and three to four weeks without food. But then come the caveats.

Is eating out bad financially? ›

' ” Certain personal-finance experts have long disparaged buying prepared food and drinks outside the home — particularly small, habitual expenses like coffee — as wasteful spending, especially when they become a routine rather than an occasional treat.

What is the 30 day rule? ›

The premise of the 30-day savings rule is straightforward: When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals.

What is the 50/30/20 rule? ›

The rule is to split your after-tax income into three categories of spending: 50% on needs, 30% on wants, and 20% on savings. 1. This intuitive and straightforward rule can help you draw up a reasonable budget that you can stick to over time in order to meet your financial goals.

What are the 100 envelope challenge rules? ›

It works like this: Gather 100 envelopes and number them from 1 to 100. Each day, fill up one envelope with the amount of cash corresponding to the number on the envelope. You can fill up the envelopes in order or pick them at random. After you've filled up all the envelopes, you'll have a total savings of $5,050.

How often should you eat out to save money? ›

But, what if you use the idea as potentially you could save $9 a meal and start limiting your eating out. If you regularly eat out 5 times a week, if you reduce this to even 2 times a week, this is $27 savings, per person, per week. For one person, this is $100 a month. The total amount of savings can add up quickly.

Is it bad to eat out every day? ›

Eating out can often include high-calorie, processed, and fatty fast food or restaurant meals. Excessive consumption of such nutrients can cause chronic diseases such as obesity, cardiovascular diseases, diabetes. However, eating out by making healthy food choices can have a positive effect on a healthy diet.

How many times to eat out a month? ›

On average, people say they eat out three times a month and order delivery between four to five times a month. But just because the average person spends $300 a month eating out, it doesn't mean you have to do the same. Ultimately, your eating-out budget should make sense for you and your money goals.

How much money do you save if you don't eat out? ›

While there are ways to save money when eating out, a meal out for a family of four will typically cost at least $10 for fast food, and $30 for most sit down restaurants. If you are like us, or like the typical American family, just cutting one meal out per week can save you $520-$1560 per year!

Do you really save money eating at home? ›

Eat at home instead of going out

Almost anything you cook yourself will be far cheaper than anything you can get at a restaurant, even a fast-food restaurant. You'll see the savings immediately if you compare the price of ingredients to a restaurant bill.

What foods save money? ›

Focus on budget-friendly foods.

Some foods are less expensive than others, so it's helpful to be aware of a few go-to, relatively low-cost options. Think bananas, apples, cantaloupe, carrots, cucumbers, cabbage, peanut butter, popcorn, and oatmeal.

How much money can you save by not eating meat? ›

A 2021 study from Oxford University found that vegan diets reduced food costs by as much as one-third. When you think about it, it makes sense: The average cost of a pound of ground beef was $5.23 in October 2023. If you replace that meat with chickpeas, you can expect to pay around a dollar for a 15.5-ounce can.

What happens if you don t have enough money after eating at a restaurant? ›

Some places will call law enforcement to record your information before you leave; but as long as you reappear with valid payment in a timely manner, you probably won't be charged with any wrongdoing. Intentionally dining and dashing is a little different—and you could end up in legal trouble, depending on state laws.

Does eating at home really save money? ›

Financial advisors have long promoted home-cooked meals as a cost-saving alternative to restaurant food. A 2018 study found that, on average, you'd spend almost five times as much money ordering a delivery meal compared to cooking that same meal at home.

How much money do you save buying groceries vs eating out? ›

Facts & Findings. Americans save around $12 by opting to cook and eat at home, with the average home meal costing $4.23 versus over $16 per meal at an inexpensive restaurant. Annually, it costs over $13,000 more to eat out than it costs to prepare the same amount of food at home.

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