Robyn (and others):
Interesting responses!
Coupons can help a lot, we think. Lots of folks refuse to bother, until they find out that maybe spending half an hour looking for them or snipping them or just marking the store flyer(s) can save them a lot.
Foodwise, weāre lucky, I guess, because we find avocadoes to taste like toothpaste but with NO flavor! Amazing how many people say they ālikeā them! To us, they are justā¦ blah.
Meatwise, we donāt eat that as much anymore. Hot dogs are bad for you in terms of calories and carbs, and hamburger has gotten ridiculous, and, frankly, weāre also a bit nervous as to who has handled that meat! Solid meats (steaks, chops, roasts, fish) are basically only handled on the outside, but burger? Ummmā¦ My wife dislikes turkey, sadly, so thatās rarely eaten here. Chicken can be a good deal; buy a whole āroasterā on sale, roast it, enjoy one meal and then carefully slice or cut up the rest and store properly for future use. Wings? Ridiculous! Fat and bones! Confession: As retirees, living alone, we can now afford to āsplurgeā some on meats and such, and we do. Not crab legs at $30/lb (!), but salmon, which is good for you, too, for example. Pork remains a reasonable meat, too.
Fresh veggies are great, but we find that, much as weād like to support our local markets, favorite chain stores (Price Chopper and Hannafordās around here) generally offer veggies cheaper than the farmersā markets, sad to say, so we go there. However, shopping wisely can help a lot. Carrots, for example: We recently bought 5 lbs for $2.99. Thatās a LOT of carrots for two! We use them in stews (which we love to make) and just as veggies, and they keep well in the crisper. Fruits are often costly this time of year, sadly, but surprises show up ā often from Chile or other places where the earthās tipping is favorable so there is summer there and not a foot of snow like here!
Again, watch for deals and coupons, and use them!
Other than food, we live pretty much mostly on our rather low SS income. Two cars are long ago paid for and garaged safely, the house is paid for except that it is now on a currently low interests equity credit line (being watched now for signs of increased interest) and we do not carry balances on credit cards. They are paid monthly, when used.
We heat with oil and have that on an annual budget plan, so pay a set amount each month, no matter what it ends up costing when deliveries are made.
I am now accumulating tax payments and other things to prepare (on line - takes me half an hour) our annual āHomesteaderā credit with the state, which, when submitted, saves us about half of our home tax bill. (Vermont takes money from towns and redivides it back to them; 90% of our local tax bill eventually goes to VT and comes back to towns for education. However, we also get that credit which cuts our local taxes about in half.)
Utilities arenāt exorbitant, really, though we splurge on satellite TV and the phone includes internet, which do add up. Yes, insurance (home and cars) does add up. We just changed our Health to an Advantage PLan with zero monthly premium vs the $500/month we were paying for Medigap, but we will see how that works in terms of copays, etc., functions of our health. (Weāre both 80+.) Life Insurance is no longer available, no matter what, at our age!
Enough for now.
Vermonter