How I Save Up To $260 Every Month By Cooking My Own Food

Next to food, I love talking about money.

And even though I was terrible at math in school, I’m pretty good at crunching money numbers (with the help of Mint, my favorite money managing app).

Eating cooked food and planning meals doesn’t just help your body feel its best. It also keeps your bank account in awesome shape.

Learning about personal finance and adjusting my lifestyle accordingly is why looking at my credit card balance doesn’t scare the crap out of me anymore.

Money is scary to wrap your head around when you don’t know where it’s all going. I’ve been there.

But once I took a deep look into my spending, I saw that eating at restaurants, ordering food and getting takeout all the time was an area I could work on.

And unless you’re foraging and hunting for your daily nourishment, food is something you have to buy every week to live.

Below is an example of how cooking can save you thousands of dollars every year if you’re still getting takeout all the time.

I’m also telling you exactly how I budget for food every month at the bottom of this post!

I ran the numbers this week and compared my April 2016 food spending with my April 2015 food spending.

I chose these months because I know that in April 2015, I was still in my first office job and bought lunch at Cosi, Dig Inn and Le Pain Quotidien every day.

In April 2016, I was definitely cooking and meal prepping regularly.

Here’s a screenshot from Mint of my April 2015 and April 2016 restaurant expenses.

The green bar represents April 2016. I’m very conscious of categorizing my expenses properly in Mint, so this graph is accurate.

I spent $308 on restaurants in April 2015 before I started cooking and budgeting. Compare that to $130 in April 2016. Not bad!


What’s crazy is that I was making LESS money in 2015.

Like, over $10,000 less.

Yet I was blowing money at restaurants all the time and hardly ever cooked.

Groceries in April 2015 cost me $268.97 compared to $217.08 in April 2016.


Currently, I spend anywhere from $250-$280 on groceries, so $217 is pretty low for me.

But still, I have no idea why I needed to spend so much on restaurants AND groceries in April 2015.

Overall, I spent $261.41 less on just food in April 2016 compared to April 2015.


Can you imagine having $260 extra in your budget every month?

That’s over $3,000 a year.

That’s a round trip flight to Europe. Or a huge payment on your student loans. Or enough to start investing.

This year, I had a major money mindset shift after educating myself about the basics of personal finance.

Properly putting my income in the right places has become more important than ever.

In 2015 I was breaking even every month.

I spent mindlessly on clothes, taxi rides, alcohol and way too much money on gym memberships.

Now, I’m able to put away 20% of my paycheck because I have a good handle on managing my money.

Cooking helps me comfortably put money towards what matters most to me right now: investing, saving, adventuring and education.

You know where that extra cash goes now?

It helps me pay for classes in online marketing, buy more books and save money for legitimate EXPERIENCES outside of enjoying an overpriced meal in New York City.

I would say that cooking has had an equal effect on the health of my body AND my bank account.

Here’s how I budget for food every month:

Keep in mind I’m only responsible for feeding myself.

  • $250 for groceries.

I usually go over by $30, but I like a challenge.

  • $75 for restaurants.

Sometimes I go over if I have a particularly social month but I have had a pretty easy time sticking to this without sacrificing seeing my friends!

  • $20 for coffee.

My office has a Keurig. It’s kind of gross, but I can’t complain about free coffee. I also use a french press for coffee at home!

  • $50 for alcohol.

I don’t drink much and when I do, it’s beer which is generally cheaper than cocktails.

  • $15 for Shake Shack.

Yup. I get Shake Shack once or twice a month, every month.

What do you think? Do you think cooking more would actually make a difference for you when it comes to saving and spending? Let me know in the comments!


Preparation is everything. You can start saving money by prepping meals for the week with my new FREE mini meal plans. Sign up and get them immediately.

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  1. Millie

    Super helpful post! I know that your blog is mainly about food, but you mentioned in this post that you’ve changed your spending habits and are to save more. I’d be really interested to learn how you changed all your spending habits – not just for food. I know it’s not in your normal wheelhouse of topics, but I know that I want to save more money and I’m always looking for tips and I’m sure that a lot of your other readers feel the same way. Great posts, by the way!

    1. workweeklunch

      Hey Millie! I want to cover money in relation to food more in the future, so you’ll definitely see more material on that.

      How I changed my spending habits: I read a personal finance for beginners book called I Will Teach You To Be Rich by Ramit Sethi. The title sounds a little scammy, I know, but the book seriously changed the way I handle money and budgeting. The book teaches you how to focus on “big wins” (areas you can save A LOT of money) instead of trying to not buy lattes. It also teaches you how to make your money automatically go to the right places (savings, investments, loan payments) so you don’t have to be as worried and on top of it.

      Keep your eye out for more food/money posts on here too 🙂

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