4 Steps to Finding Your Perfect Meal Planning Service

Meal planning isn't always fun, but it can save you a lot of time and money.

My family’s recent subscription to a meal planning service has been a godsend. With my husband and I both working full time while raising our two children, cooking has been put on the back burner. We found ourselves eating out too much and when we did cook at home, we used the same recipes over and over.

Plus, I really hated trying to meal plan. I never had new, creative recipes unless I spent too much time on Pinterest. Then I would inevitably forget something on the grocery list, forcing us to reconsider our plan or shop again later in the week.

So far, we’ve had a great experience with a meal planning service that puts together our weekly menu and shopping list for us. The meals have been creative and really tasty and we’ve spent way less money on food.

Jumping into a meal planning service took some time. For one thing, it’s another item to add to our budget. And for another, there are loads of options out there to choose from.

If you’re looking for a way to change up, simplify, or declutter your meal planning, a service might be a great investment. But don’t just go muddle around on the internet for hours trying to figure out what will work best for you. Instead, take these steps to find your perfect meal planning service.

1. Figure out Your Priorities

First, know that meal plans cater to all sorts of priorities. Maybe yours is to save as much money as possible. Or maybe your goal is to be as healthy as possible or to follow a certain type of diet. Or maybe your goal is to get dinner on the table in 30 minutes or less every night.

There’s a meal plan for all of those priorities.

You can often balance two competing priorities fairly well, too. For instance, I wanted to both have healthy, veggie-packed dinner options and save money on groceries. Our meal plan isn’t the most budget-friendly. But it does keep our spending pretty low while providing healthy meal options.

So, before you even start shopping around, know your top two or three meal-time priorities.

2. Decide if a Delivery Box Is an Option

Next, you need to figure out if a meal planning service that actually delivers ingredients is an option.

If you have a liberal food budget these options could make your life super easy. But if your goal is to restrict your spending as much as possible, they’re probably not a wise option.

Ingredient delivery services aren’t all super expensive. But since someone is shopping for, measuring, and packaging your ingredients, it’s usually more expensive than going to the grocery store. With that said, if you wind up eating out a lot because you can’t make it to the grocery store, a delivery box might be right up your alley.

3. Get a Sample of Your Top Three Options

Once you’ve narrowed down your field of choices, get a sample of your options. Most online meal planning services will give you a week’s menu or more for free. Plus, many of the delivery boxes on the market have free — or almost free — trial periods.

Sampling will help you see which menu you like best, and which one will consistently work best for you. You’ll have to use a few different systems over the course of a month or so. It can be frustrating but through trial and error, you’ll be more likely to find the perfect meal planning service for you.

4. Use it for at Least a Few Weeks

Once you figure out which of the services you like best, I’d recommend sticking with that service for at least a month before you decide to switch to something else.

For my family, it’s taken some time to figure out how many of the meals we make each week. Our plan comes with seven, which is too many for us because we often eat with friends once a week and use leftovers over the weekend. It’s taken a couple of weeks to figure out that I need to trim the menu down to about five meals before I send my husband to the grocery store.

For extra savings, you can charge your meal plan and groceries on a cash back credit card. There are plenty of great cash back credit cards but before applying it’s wise to check if you qualify. You can check two of your credit scores for free with Credit.com.

That’s it! Finding the perfect meal plan for your family is all about prioritizing and then checking out what’s out there.

Image: franckreporter

The post 4 Steps to Finding Your Perfect Meal Planning Service appeared first on Credit.com.

4 Steps to Finding Your Perfect Meal Planning Service

Meal planning isn't always fun, but it can save you a lot of time and money.

My family’s recent subscription to a meal planning service has been a godsend. With my husband and I both working full time while raising our two children, cooking has been put on the back burner. We found ourselves eating out too much and when we did cook at home, we used the same recipes over and over.

Plus, I really hated trying to meal plan. I never had new, creative recipes unless I spent too much time on Pinterest. Then I would inevitably forget something on the grocery list, forcing us to reconsider our plan or shop again later in the week.

So far, we’ve had a great experience with a meal planning service that puts together our weekly menu and shopping list for us. The meals have been creative and really tasty and we’ve spent way less money on food.

Jumping into a meal planning service took some time. For one thing, it’s another item to add to our budget. And for another, there are loads of options out there to choose from.

If you’re looking for a way to change up, simplify, or declutter your meal planning, a service might be a great investment. But don’t just go muddle around on the internet for hours trying to figure out what will work best for you. Instead, take these steps to find your perfect meal planning service.

1. Figure out Your Priorities

First, know that meal plans cater to all sorts of priorities. Maybe yours is to save as much money as possible. Or maybe your goal is to be as healthy as possible or to follow a certain type of diet. Or maybe your goal is to get dinner on the table in 30 minutes or less every night.

There’s a meal plan for all of those priorities.

You can often balance two competing priorities fairly well, too. For instance, I wanted to both have healthy, veggie-packed dinner options and save money on groceries. Our meal plan isn’t the most budget-friendly. But it does keep our spending pretty low while providing healthy meal options.

So, before you even start shopping around, know your top two or three meal-time priorities.

2. Decide if a Delivery Box Is an Option

Next, you need to figure out if a meal planning service that actually delivers ingredients is an option.

If you have a liberal food budget these options could make your life super easy. But if your goal is to restrict your spending as much as possible, they’re probably not a wise option.

Ingredient delivery services aren’t all super expensive. But since someone is shopping for, measuring, and packaging your ingredients, it’s usually more expensive than going to the grocery store. With that said, if you wind up eating out a lot because you can’t make it to the grocery store, a delivery box might be right up your alley.

3. Get a Sample of Your Top Three Options

Once you’ve narrowed down your field of choices, get a sample of your options. Most online meal planning services will give you a week’s menu or more for free. Plus, many of the delivery boxes on the market have free — or almost free — trial periods.

Sampling will help you see which menu you like best, and which one will consistently work best for you. You’ll have to use a few different systems over the course of a month or so. It can be frustrating but through trial and error, you’ll be more likely to find the perfect meal planning service for you.

4. Use it for at Least a Few Weeks

Once you figure out which of the services you like best, I’d recommend sticking with that service for at least a month before you decide to switch to something else.

For my family, it’s taken some time to figure out how many of the meals we make each week. Our plan comes with seven, which is too many for us because we often eat with friends once a week and use leftovers over the weekend. It’s taken a couple of weeks to figure out that I need to trim the menu down to about five meals before I send my husband to the grocery store.

For extra savings, you can charge your meal plan and groceries on a cash back credit card. There are plenty of great cash back credit cards but before applying it’s wise to check if you qualify. You can check two of your credit scores for free with Credit.com.

That’s it! Finding the perfect meal plan for your family is all about prioritizing and then checking out what’s out there.

Image: franckreporter

The post 4 Steps to Finding Your Perfect Meal Planning Service appeared first on Credit.com.

How Much Should You Budget for Groceries?

Groceries are an essential, but going way over budget isn't. Learning how to properly budget for groceries will save you a lot of time and money.

When creating your budget, it’s important to include accurate numbers. After all, an accurate budget sets you up for financial success. It’s easy to know how much you need to include for utilities, loans, and even fuel. However, it can be difficult to figure out how much to budget for groceries. There is not a right or a wrong number, but you must find the right amount to include on your grocery budget so you don’t overspend.

Fortunately, there are some tricks you can try to help you figure out exactly how much to budget for groceries.

Average American Consumption

According to the U.S. Department of Agriculture, Americans spend, on average, around 6% of their budget on food. However, the study also shows that they also spend 5% of their disposable income on dining out. That makes your food budget 11% of your overall income.

If you use this method, budget 6% for groceries each month and 5% for dining out. If your take-home income is $3,000 a month, you will budget around $180 for groceries and $150 for dining out. Of course, if $180 won’t cover your needs, you should cut back on dining out and use any additional money towards your grocery needs.

Actual Spending

A more efficient and realistic way to figure out how much to budget for groceries is to find what you’re currently spending. Do this by completing a spending form.

A spending form will help you to review all of your purchases over several pay periods. The result will show you the average you are spending on groceries each week. If you feel that is too much, you can try to reduce your spending, keeping in mind that you and your family will also have to adjust the way you eat.

US Average Plan

Another way to choose a grocery budget amount is to look at the plans created by the USDA. The most recent plans can be found on their website. They provide the weekly cost for a thrifty, low-cost, moderate-cost and liberal plan on a weekly and monthly basis. The amounts are broken down by gender and age. You will need to total the amounts listed for the people in your family.

For example, let’s say you are a family of four. Your kids are a 12-year-old boy and an 8-year-old girl. You decide to try to live on a low-cost plan. According to the report, the total monthly amount for your son will be $236.30 and for your daughter $190.10. Dad’s monthly amount is $238.30 and mom’s is $206.30. That makes the grand total grocery budget $871.00 per month or $217.75 per week.

Special Dietary Needs

If you have a family member who cannot eat gluten, or who has other dietary restrictions, these can affect your budget. Make sure you keep these specialty foods in mind when developing your budget as they can cost much more than average foods.

Reduce Your Grocery Budget Further

If you’ve calculated your grocery budget but still want to lower the cost, try some of these simple ideas:

Reduce your dining out budget. Eat at home more often and avoid restaurants and takeout. This is a simple way to find money to add to your budget.

Use coupons. While they are not for everyone, coupons are the simplest way to save money on the items you need. Even if the coupons aren’t available for the foods you need to eat, you can find them for household products you use, thereby reducing your spending and increasing the money you can spend on the foods you want.

Menu plan. Figure out your meals every single week before you shop. That way, you have a plan for the week. You’ll know what you will eat and you’ll have the ingredients on hand when it is time to cook.

Use a cash back credit card. There are a lot of great rewards cards that help you earn cash back and other perks while you shop. This can help lessen the stress of grocery costs. Remember, a lot of these cards require a decent credit score. Before applying, see where your credit stands. You can check two credit scores for free at Credit.com.

Take the time to create a grocery budget that is feasible. Don’t try to make it so low that it is unrealistic, or your budget will fail month after month. Personalize it to your family’s needs and find a way to make it work.

Image: AleksandarNakic

The post How Much Should You Budget for Groceries? appeared first on Credit.com.