Budget Breakdown (Ep. 3) | Earning $80K/YR with $140K of Student Loan debt
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- Опубліковано 16 січ 2023
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The Frugal Fit Spouses are back with another Budget Breakdown! In this episode, Christine and Dave analyze the budget of a young family struggling to pay down their crippling student loan debt.
DM your questions and ideas for future podcast episodes to Christine on Instagram @frugalfitmom6.
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UA-cam: Frugal Fit Mom
Instagram: @frugalfitmom6
Website: www.frugalfitmom.com
References:
Ramsey, Dave. How to Get Out of Debt With the Debt Snowball Plan. Ramsey Solutions. (2022, July 18).
As someone who went to a top US university in the late 2000s and early 2010s, I wish that trade schools and community colleges had been pushed more as options! When I was in high school, the narrative was YOU WILL GO TO A 4 YEAR UNIVERSITY IF YOU WANT TO BE A SUCCESSFUL PERSON AND THERE IS NO OTHER CHOICE! Profitable majors fluctuate, but learning a skill or trade will always be sought after.
Same here. I graduated top of my class and less than 10 years later opened my own house cleaning biz lol.
Christine don’t feel bad cutting chips first thing. If you need a snack in your home, nothing is as cheap as a bag of popcorn to pop. If you make a menu and only buy the ingredients for that week, it’s amazing how little you can spend on groceries if you examine store sale flyers.
Our (2) small dog budget is AT LEAST $300-400 a month. One of our dogs is blind and diabetic & the other has severe allergies. They each have separate prescription diets, separate flea, tick, and heartworm medication, plus insulin & needles for one and medicated (prescription) shampoo for the other… Not including the more frequent vet visits. It’s no joke.
Girl I hear ya. 9 pets and several with autoimmune. I have one newly diagnosed. I easily pay $500 in a month when we have a vet bill or two. ❤
I worked as a financial aid counselor for a small private school. I worked with incoming freshman. I always stressed no loans and to look for free scholarships. I broke down budgets and what they should do. It broke my heart to see freshman and their parents putting themselves in debt for college.
I just wanted to add that you can sign up as a junior high school student for your basics classes to count toward your college basics. The point is that by the time you graduate your basics are already done, which cut both time and cost.
Dog sitting another dog or two is something that comes to mind as well since they already have one. They could easily do this.
80k is the new 50k. 50k is the new 30k. 30k feels unsustainable in many suburban/urban areas, especially with a family. Increasing housing costs over the past 5 years are a huge budget killer not even counting inflation. The pets cost should really include a sinking fund for vet bills. I work from home and my fiancé walks to work, their gas bill shocked me and you didn't bat an eye! I love budget breakdowns, this was great.
I was thinking with the pet budget that does include vet bills. I have 8 pets and can easily have $500 in one month of vet bills plus pet meds. We rescue and have several with autoimmune disease. Having pets ain’t cheap!
I've been wondering why my husband's 50k salary has been feeling tight for our 4 person family! Thanks for the perspective.
They’re lucky they don’t have daycare costs in there. We currently pay $800/ mo for wrap around care for a 4 year old. We’ll be adding a newborn to that in a few months and it’ll be $2400-2600/ mo over the summer. Another item I don’t think you mentioned that can help add a little extra every month is making sure your tax deductions are as close to 0 as you can. So instead of getting a $2k refund that you overpaid every year, you’re getting that money monthly throughout the year which pays down the loans quicker making your total interest paid over the loan even lower.
AMEN TO THE DAYCARE FUND! Like whoa. We pay $1350 where I live for our two year old and this will double when our newborn joins in December...my husband and I still believe it's worth it/the numbers tell us it is still worth it but man, it's an insane chunk of change.
@@letsgrosh it sucks but I wouldn’t want to be a stay at home mom. Our older son is ahead for his age and I believed part of that is because he’s been in daycare since 6 weeks old. They advertise they’ll be 9 months ahead of their peers and I see it.
For my two dogs (16 lb and 33 lb) I average about $40 on flea and tick prevention, $18 for heart worm prevention, $10 on supplements for joint problems. Add dog food, a few toys, and other vet care, 2 dogs could easily be $100+/month. … I never thought I would spend that much on a pet. But the older one is too sensitive for cheap food and flea collars.
Agree! We have 9 pets and I can easily spend $500 in a month if we have a vet bill. $100 isn’t unreasonable for 2 dogs when you include everything.
Just commented this same thing above!! If you make the mistake of only looking at the food budget for pets and neglect the other pricey sinking funds that need to happen one to a few times yearly, that's gonna bite you down the road.
I went to Clemson University 30 years ago, no scholarships or loans and I lived at home. It was affordable, but now it’s insane. I think trade schools are the way to go. I tell my nephews to go that route.
So happy to hear you say that university is not the only option! Nothing against university, but it's not for everyone and there are soo many people making good money AND enjoying going to work each day.
My BIL is an electrician an my husband is an engineer. I love that my husband went to college and we have been able to pay off all his loans, but it’s not for everyone. BIL was considering going back to school and getting an engineering degree, but we all sat and did the math together and it made no sense at all for him to go to college because by the time he would have gone through school and gotten into debt for an engineering degree, he could have (and did!) become a master electrician, taken on no debt, and already be making a lot more money in the same amount of time than he would at a starting salary as an engineer.
My husband works with a young kid that just graduated high school. They are in residential construction. The kid is going off to school in the fall for construction...my husband and i can't wrap our heads around the fact that he is going to pay a school to get the same education that he is already being paid for right now.
Thank you so much for recording this on video also. For those of us visual learners, this helps so much to see everything written out!!
I love your podcast. You speak from your own heart and experiences! Great job!
It's so amazing to see you are both chemistry. It's awesome and inspiring to people in a relationship to be more like you. You both are an example of how a couple should be. I'm sure you had your ups and downs. Please do share so we learn and improve....love you both! This is from India, Asia.
Thank you so much for putting your podcasts on UA-cam. It's so much more interesting to be able to watch interviews like they're talk shows rather than just listening. Also, my favourite part of this channel is the budget breakdowns, which i LOVE and think they provide such an amazing service, and i would not be able to follow what you're talking about if I couldn't see the whiteboard.
I love everything about these videos/podcasts. I think sometimes we just need a different perspective from someone who isn't emotionally invested in the situation. You two do a great job of explaining areas to live more frugally. Like their food budget... to add to what you said, our budget is $1,000 per month for groceries/household (food, toiletries, toilet paper, etc). That's for a family 8 - 2 adults, plus kids 19, 17, 16, 14, 9, 7. Not gonna lie -- it's TIGHT! But, it's doable when you cook basic, no frills meals. I'd love to hear what you had to say about our budget. 😁
Thank you for mentioning the TRADES!!!! Dave, it's not an unpopular opinion....not all kids/people enjoy college or WANT to go to college. We own an electrical contracting business.....and are busier than ever!! It's a great gig, low tuition, and the pay is fantastic....but best of all, no college debt!
Isn't trades still college? It is here in Canada. Electricians need their papers.
@@breezybre2670 yes it’s a program at a technical or community college that the person enrolls in while working as an apprentice. They go to school here for an 8 hour day every other week. On the job training and a little bit of school for 4 years. Once they complete it, they’re a journeyman. Then they have to work a lot of hours, then take a test to become a Master Electrician. It’s about a $2,000 program, and they make decent $ while getting there. It isn’t encouraged enough (especially in the high schools) in my opinion. For all the trades.
My favorite podcast episode are when you go through budgets! It's so interesting to see how you break them down.
I love this content Christine! I love home-making, grocery budgeting, and cooking content and I LOVE this financial literacy content!!!!
Props for community college! I am so proud of my AS in Org Com from SLCC! it’s still on my resume post- MBA
The student loans are for PT/OT/SLP school, or some other kind of healthcare degree that doesn't make the same kind of money that Doctors do, but are necessary in society. Ask me how I know...👀.
Also, a $1675 mortgage is either a home they bought before the last year, or a condo. That is the rent of a 2 or 3 bed apartment (not luxury) in Utah County. It's brutal here right now.
For college, I highly recommend work study options and becoming a residential assistant. I went 5 years ( engineering degree so please don't judge) and I was a RA for three of those years so I got housing free.
Single, living in LA. Eggs are 8$ and 1600 rent alone is 50% of take home. Student loan repayment starts up soon 😵💫😭
Love the budget breakdowns!
I’m LOVING This podcast!!!
This may have already been stated in a previous comment, however I think their school loan debt is a combination of both adults in that household. A stay at home mom could have an education for a previous occupation and then decided to stay home after having children but may still unfortunately have that debt. I wish them luck! Thank you for trying to help others!
We are due in August, so our finances will drastically change once we have daycare and student loan payments kick back in this fall. We have similar student loan debt, so I will definitely be submitting our budget once we have those new recurring expenses
I’m in northern Utah, FAM of 5 (2 adults, 7,5,3 yo) and can usually keep our grocery budget $400, two adults should easily be able to cut to $400 especially if she is a stay at home mom with a little extra time to watch sales.
I am so obsessed with these budget breakdowns! I've watched and rewatched all the ones you have posted...who else does these real life budget breakdowns so I can binge more?! Lol
Cutting back food budget is so hard for the average person trying to eat clean.
Yep I said this too. Cutting $200 out isn’t easy. We eat lots of produce and salads. Not a lot of junk food.
My dogs are my therapy so I'll sell my house before they go anywhere
Thank you!!!
Thank you, Dave and Christine, for this breakdown and your advice! My husband and I were very blessed to make it through university with minimal debt (about 25k between us) and managed to pay that off in 2021.
Now we have a little more breathing space - but in this economy, things are tough for most people. God bless you both! ☀️
Wondering if pets includes meds and/or vet visits. When my kiddo was in diapers i put that in grocery budget because i bought them at the same time and place.
The “I’m hoping their not teachers” hurts 🥴 I’m a third year teacher in New York and ouch. My student loan debt is bigger than my salary. That is mostly because of my choice of school for my Masters.
Same here! You're not alone 🙃
The pet cost could be including vet bills averaged over one year plus food.
The reality of student loan debt.. This is great advice that I wish I was privy to when I was forced into university by my parents
My question on the income $4300 makes me wonder how much is coming out before they deposit the check. That number does not add up to 80k unless they are paying self-employment taxes, premium health insurance, and contributing to some kind of 401k. If so, go middle range health insurance if possible and stop contributions while paying off debts.
Love this! ❤️
Its crazy that my husbands first masters program was $800 per CREDIT 😵💫 schooling is just insane.
Oh! And we have two medium sized dogs and have a sinking fund for their twice-yearly grooming (which is absolutely necessary...), heartworm/tick medicine/vaccinations, plus food. Each of those categories comes out to around $15 each per dog so our total for pets is $95. And our dogs are LOW priority compared to the kiddos, so I promise this is like the bare necessities. So I think $120 is pretty believable, especially if the dogs are maybe older and their sinking fund is in preparation for vet visits as well.
The biggest money saver for student loans for me was requesting a income driven payment program. Then I took the additional money I’d normally pay towards my unsubsidized federal loans and directly towards the principal. I paid them off so much faster. They might have this option!
I agree that the income has to come up. Take care of another child. Do overnight babysitting (it’s a premium!). Working a remote job that’s not driven by certain hours. Some Nanny jobs let you bring your baby. Do pet or house sitting. It doesn’t need to be full time! I personally would be very careful about house hacking with young children around.
I feel for them. My two cats have super expensive food, it’s no fun 😂
You really need more info to figure this out. Do they have an emergency fund is important. What if the have enough cash to pay off the car? Sometimes people do and they think it’s better to hold onto.
Maybe the student loan debt is for BOTH of their degrees and it is combined.
When they spend $215 on utilities and our electric alone is that much 🤦 (plus gas and water, winds up being $450ish).
Small town Texas 🤷
Yep I’m in TN and my electric is over $200 normally and this month $350 due to that one week of frigid cold we had. Our water is over $100. Plus natural gas so yeah $200 total would be a DREAM
Lol our mortgage alone without taxes and insurance is like 50% of our income. Totally sustaining it but there isn’t a lot of extra money.
Wow! Just found out my mortgage is 16% of my total income. But here I am with CC and student debt that’s 30% of my income…
My rent is over half my take home pay, not including renter's insurance or utilities. I have no choice in the market I live and I live alone. If I weren't debt free now, I'd be....I don't know actually. 😔
same with where i live, rent and bills are around 60% of my income and living alone there's no way aorund it😔
That amount of loans could be for both of them or likely a Masters degree. My loans were around $100k for undergrad and grad school. Did community college for 2 years and didn’t do any loans. Grad school was insane with little in the way of grants. Job market with a bachelors was horrible, looked for almost a year and couldn’t find anything so I was forced to go back
I also have $100k debt with a master's degree. It's insane! There was definitely not any financial assistance things like there were in undergrad.
As someone with a huge amount of student loan debt too I recommend refinancing. When I was in college my credit score was definitely not as good as it is now. I refinanced online in like 20 mins and cut off 3 years off my loan term and cut over HALF the loan interest. And you get to choose what your monthly payment amount is so you could make it lower and then pay more than the minimum.
I refinanced with my federal credit union (First Financial Federal Credit Union of Maryland), although I was no longer a federal employee. I received a higher interest rate as it was a personal loan instead of a federally guaranteed student loan (5.5% to 7.5%, I think). BUT, the credit union allowed me to make additional principal payments, in any amount and at any time, and the student loan company (Navient) would not allow me to make any payments that reduced principal. It did sometimes work out better to make the additional payments as part of the regular monthly payments. Paid off about $18,000 in less than two years, on retirement income. This might work for a few people.
I never did receive the promised/expected loan forgiveness, and got tired of waiting for it. Now that everyone in the country is seeing how corrupt the loan companies are in regards to the forgiveness programs and constantly moving the targets and qualifications for them, perhaps others will benefit.
I am a law student and I went to a school that gave me a full-ride (I had a good LSAT score and negotiated) and I work as a server and am on Medicaid so no costs (and mint mobile). Just saying that law degree can also be debt free, doesn't have to be $300k if you are willing to negotiate with schools for scholarships and find deals and work
also, this person may qualify for public service loan forgiveness depending on their career, $20,000 pell grant forgiveness, or an opportunity to refinance at a lower rate. for kids looking at colleges, negotiate!! send schools you are interested in your other scholarship offers, see if they will match it. Ask for codes to apply for free on the CommonApp so you don't need to pay $45 for each school. there are so so many hacks.
I work in the FA Department of a college. I love everything about what you said about college/ no college. Loan amounts sound like loans for both of them. Max is $57500 for Undergrad and $138,500 for Grad Degree. Standard repayment is 10 years. They have different types of repayments some based on debit/ income ratio and no income. But if Biden's loan forgiveness goes through...10k - 20k off. BTW love you guys!!
Hello Heather how are you doing?
As a 2 car household and a stay at home mom myself who goes to the park and library with older kiddos our gas bill was MAX $120/MONTH - EXCEPT when gas went crazy for that little bit. So they may need to consider switching vehicles if possible if they are driving gas guzzlers or make sure they are tracking gas prices to pay the lowest price. $300 is a lot for gas. 😮
Other college tips from someone who works in higher education: high schoolers can do dual credit. Some schools you can get your high school and associate degrees at the same time, and most public high schools have at least some dual credit classes available. If you’re already paying for private or homeschool, why not pay for a few college classes at the same time? The lower income spouse can also try to find a job at a local university and they can use the tuition exchange program to pay for the kids college. Even if they don’t want to go to school local, there are some universities that see that the kids parents works in higher education and will cover most of the cost of tuition (I’m only saying lower income spouse because typically staff jobs in education are lower income, but I’ve also seen that the health insurance is pretty good so you may save money there as well).
Yes, electrician, plumber, ....trade is the way to go!
120 is not unreasonable for pets we have a dog that needs seizure medicine or else she has terrible seizures that's 80 a month then they have to eat so 120 is pretty good.
In New Mexico tuition is free at state colleges/universities for all residents. 4 bed 2 bath home under 200k in some places. Yeah, I'm thinking about it.
I so agree that college doesn't have to be the goal. I think rather you should figure out what you love to do and then figure out how to make good money at it. I have a partial degree, my husband has a 2 year degree and almost a second 2 year degree. He quit on the second degree because he wasn't going to make enough money doing what the degree was for. It turns out now that my husband employs me at a company he started and we both make quite good money. Technically we are both college drop outs and are a CEO and a CFO. I can't imagine having $142,000 student debt. We paid cash for all our school.
Yes we pay $30/day for our babysitter. So if she watches just 2 other kids 5 days a week thats over $1k/mo. And that’s in OH lots of cities and states people pay way more.
Holy cow that student loan is insane!
I'm guessing that the money for pets includes food, pet insurance, toys, monthly heart and flea medicine. 120 is not bad.
Agree!
Pets are absolutely family members. They are NOT accessories. That kind of irresponsible thinking is why there are so many neglected and abused animals. Also, mint mobile is garbage for security. Keep looking for another budget provider.
I'd cut clothing, groceries, entertainment, and haircuts for a while.
I think 80k/yr is doable for them and they should talk to an accountant or a local credit union (lots of times they have budgeting classes).
I graduated with a BA degree in 2015 and to this day I am still kicking myself for not doing community college. My freshman year alone, with in state tuition at University of Oregon, was $25,000 with room/board and a meal plan. I took 2 semesters off, moved back home and worked, but graduated with $34-$36k in loans. Keep in mind the loans I qualified for did not cover tuition each semester. So for several months I could only eat once a day (not recommended), I was one of 5 people in a 3bdrm apartment, and I was already working part time but got a second part time job to have enough hours to qualify for food stamps.
There were some real struggles there that definitely could have been avoided or at least mediated by doing CC and not doing all 5 years at a 4 year uni
I would say do some part time remote work. There is so much available right now. And some you can do on a very flexible schedule while still taking care of your baby. The tutoring idea was great. Get some laying hens and sell eggs! 😆 And all of that goes to savings and paying down debt.
Also, depending on their field they may be eligible for loan forgiveness programs or find a job that will help with loan repayment.
With the grocery budget, are we considering the price of formula? that's a huge expense. It may be difficult to cut
Hopefully she is nursing.
So true! Formula is sooo expensive, not to mention if the baby needs a specialty formula. I think $600 a month if that is included is very reasonable.
What is the “food storage” expense? I cook for my family and never saw this as a line item.
OMG my kid pays 1200 for a one bedroom (600 sq foot) apt in north Idaho and she works full time yet it’s about 50% of income. That’s the price up here!!!! So doesn’t work every where 😢
But the point is, there are things that can be done in the budget to make it easier.
Pets probably includes veterinary care...
35-40 for food for a month and 50 for vet expenses per month and they are healthy dogs
I was recently sonfrustrtaed with our plumbers. They did just fine work and were friendly, but I had to be waiting all morning at the house because they gave a huge "time frame" that they *might* show up in, instead of telling me a time. I couldn't make any plans that day. I just want a time and the work being done. I would ALWAYS hire that plumber again if I did.
Law school debt, depending on the law school (public vs private) will typically leave you with $80k-$100k in debt, not $300k. I went to law school (debt free though) and worked in a law school admissions office at a public school, and our average debt was about $80,000. It’s very possible one of them went to law school.
If only we knew how heavy student debt is. To the families who are paying on loans, hang in there!
God I wish I didn’t live in NJ haha. For 3 classes or 9-10 credits a semester for me (I work as well, and have 3 young kids) it’s like 2700 dollars 😞. And I only get 2000 in reimbursement from my job so doesn’t even pay for a full semester and that’s community college. And our utilities run 200-300 a month depending on the time of year. And that’s with me keeping the heat at like 66 for the winter months. And the AC at 72-74 for the summer months. And eggs here are like 5-6 dollars. Everyone always thinks of NY or CA when it comes to expensive places to live but NJ is right up there too
I think your college costs are pretty cheap. And that you get any reimbursement from your employer is great. Don't forget to try for the tuition credit on your tax return.
they should look into student loan forgiveness
😍 LOVE these videos !!
Their phones $130/ month can be lowered to say $90 ( or less ) saving $40 / month x 12 = $480 a year !
2. Groceries + Food Storage are $650 for two adults lower to $350.00 save $300 / month x 12 = $ 3,600 a year saved !
3. Subscriptions are $20 / month get rid of it and save $240 a year.
TOTAL SAVINGS FOR 1 YEAR
$480.00 + $3,600.00 +$240.00 = $ 4,320.00
I like that! If anyone wants to pay off debt they MUST do the hard stuff. Cut every extra expense and put it to debt. I'd also suggest selling the car and buying an older one for cash.
I'd be tougher than Dave and Christine ... and it sounds like you bvb would, too.
Yeah I have a large German Shephard and I do 45$a month.
I believe alot of jobs like an electrician will do apprentices.
Student loans are paused right now. I have been putting that money away. It's a good in case money because it will be tight again when they start up, but I'll have money to fall back on in case. But that's assuming they are all federally backed as mine are.
In my opinion. Wouldn’t it be good to put that money towards the principal and put more of a dent in it now while it’s been interest free. Aren’t you putting off the inevitable that it needs to get paid regardless. I do understand it’s easier to save while it’s not technically due each month. Once that payment is good the feeling is good.
@Sarah Kapustic not if you don't have fallback savings. Then you are creating a future issue where you may not be able to pay the minimum. It's better to pay off higher interest rate items and put money away for an emergency during this time. Then, when it restarts, you have two options: pay down debt or you can pay down the student loans.
That rainy day fund is important though.
@@themodernhippy8946 agreed.
5:00 How do you not require people to include their profession in their submissions?
Dang..I wish I could be fit. Is it truly possible? Trying , trying ...down 20 since baby was born on May 8. Atleast another 60 to go..any videos on how to get fit when you have 6 kids, disabilities etc..please share!!!
What is food storage? That seems a weird line item. Just my 2 cents.
Was wondering too 🤔
I think that is like stockpiling. That’s what I assumed. They live in Utah I believe.
@@dianasimplifies that makes sense. I imagined very fancy shelving and containers!
I have 3 cats 2 were free cause I spent 65 on meds on both of the due to them kittens being sick so I spent the money on 2 strays the ere about 6 weeks then I adopted a baby siamese cat he is just a year during the winter here in treasure valley I open my door to cold stays was keeping warm 4 others wish I had a kennel
This may be a dumb question but how do you go about finding teach from home jobs. I am an RN that teaches at a high school. So I don't have a normal teaching degree. I teach things like CNA, Medical terminology, pharmacology, etc. I just can't find a way to work from home.
You can apply for an adjunct instructor positions with Technical, Community Colleges and Universities. I believe you have to have a bachelors degree. The only downfall is you won’t get benefits. However, you could teach 3-4 classes a semester. My husband is getting his BSN online from the college I graduated from years ago and they do 8 week classes instead of 16 weeks. The university is based out of Kansas and we live in Florida. One of his professors lives in Washington.
@@amandam5201 Ok...I will look. I look at Indeed and type in online and it is hard to wade through the mess! Thank you!!
I know this is not exactly what you asked, but though I would share if you wanted to look at a side hustle. I work customer Service remote and was just inform that CVS is looking to hire remote workers at around $22 - $25 an hour. With your medical background you could apply for an easy day on the phones or as a trainer, which is a pay bump.
@@kaylamaddox7653 thank you! I would love extra money! Also to eventually work just from home!
None of my kids have a degree and they all make a lot of money. 2 of them make over $100,000 a year.
Pets are NOT I repeat absolutely NOT accessories. They are not something that can be just be like oh need to save money take the pet budget and tossed aside. That $120 could be prescribed food, medicine, follow ups for medical conditions, puppy pads or diapers for an older pet with incontinance. I spend $60 a month for just one of my cat’s dry food. He has IBS and if he doesn’t eat this food that keeps his body working at its best he could and likely would die. He is two. He’ll be on this food his entire life likely. In my world, pets are family. They aren’t a purse.
Student loans are no joke!
Yikes. They need to increase their income. Those student loans will balloon out of control.
Mint Moblie is great until you need a new phone.
Student loans are on hold. Don't pay them until you save your emergency fund first.
Can you link the first two episodes please?
Great idea. Just added them to the description and end screen.
@@frugalfitmompodcast Thanks! I’ll definitely watch them. 😊
Hey Christine! I am LOVING your podcast. I listen on my podcast app but I wanted to come over here and comment. I hear you on their grocery bill but I don’t think it’s “easy” to cut $200. If fact I’m sure I pay more than that a month for 2 people. We have zero debt so I can afford to do that thankfully. Where we live we don’t have these awesome case lot sales or any grocery outlets. I keep looking 😆 I try to be frugal but we eat tons of produce and I don’t even like beans or rice haha. We eat a salad nearly every day. I mostly shop the outsides and still manage to spend a lot. I do buy chips but I just got huge bags at Sams for $4. We rarely buy soda or Gatorade so it’s a tiny percentage of our yearly budget. We also don’t spend much on cookies, candy, or protein bars. Just wanted to give a different perspective on food. Thx for listening. ❤❤❤
I live in Utah and so do they, I have a family of seven we usually spend between $650-$800 a month. For their size family with shopping sales and couponing they could do it. They would probably have to shop at several different stores to make it work and cook and shop like Christine.
@@FamilyHandshake07 tell me...how do you "coupon" for produce? I coupon and have for years but most of the food we eat isn't something I can coupon for. My point was actually that it isn't "easy". It might be doable but it's a lot of work to get the prices down. Chasing sales is a lot of work. I chose to stop doing it. Not in debt and haven't been for years. Thx for your input.
@@FamilyHandshake07 I spent $50 today just on produce and several items were actually on sale or lower than the norm. Produce isn’t cheap!
Eggs here $6 or higher per doz anymore 😢
Why are they not couponing?
Agree. With the apps the coupons are available. All things drugs cand be bought for an average of $25 and creates stockpile
$7 a dozen where I am for eggs! I passed!
I'm assuming again it's both their laws, his computer oand her teacher??
My dogs are family! Not accessories. ❤
142,000 sounds like a accountant degree or administration
You are considering interest on that student loan.
I'm sorry but I'm assuming this is a one person income