Unraveling the Legal Jargon: How AI Legalese Decoder Can Simplify Questions Like ‘How Much Do You Spend on Groceries?’
- May 27, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Determining a Realistic Budget
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## Gathering Detailed Information
In order to accurately determine our budget, it would be beneficial to provide specific details about our living situation, such as whether we reside in a LCOL/MCOL/HCOL/VHCOL area. Additionally, including information about our household size, monthly expenditure, and dining habits (e.g. frequency of eating out per week/month) can give us context on how much we allocate towards groceries versus dining out.
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## Clarifying Expenses
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The AI Legalese Decoder can aid in dissecting legal language pertaining to financial terms associated with different expense categories. By utilizing this tool, we can gain a clearer understanding of our expenditure patterns and streamline our budgeting process for better financial management.
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****** just grabbed a
MCOL
2 adults 1 toddler
Roughly $750/month
Biggest grocery bill right now is the berry bill
IYKYK
We eat out 1-2x a week
Usually on the weekends because we’re out and about more than anything
Here’s a resource I frequently lean on:
https://fns-prod.azureedge.us/sites/default/files/resource-files/Cost_Of_Food_Low_Moderate_Liberal_Food_Plans_November_2023.pdf
HCOL – 2 people – $1500-1600/mo for groceries/restaurants/household items.
VHCOL- bay area – 2 adults and 1 teen. $1k a month on food. Groceries, coffee, fast food, restaurants.
groceries $550/month
coffee shops $100/month
restaurants/dd $350/month
Thats roughly. Some months we eat at home a lot and other months we eat out a lot because of our schedules. But honestly, we can do it for under $600 if we really budget and stick to it.
MCOL -Las Vegas
$1,500 two people is our typical food budget.
Charleston, SC
Me + wife
$1200/month
VHCOL (nyc metro) – 2 adults, 2 kids, $1450 per month. We include toiletries in this, anything picked up from the grocery store or drug store.
We try not to eat out or do take out much at all, we give ourselves $100 a month for this (on top of the grocery budget).
LCOL area (midwest) – 90% is just food and it’s for 2 people – about $100 per week, but that’s for all meals (we don’t eat out) and includes some luxury items (because the kids are finally in college, LOL).
Interestingly enough, our son and DIL visited from a HCOL area (Boston) and were shocked that many of the items in our grocery store here were just as expensive as their grocery store on the coast.
We’ve postulated that’s because they tend to shop at low cost discount stores, while we’re normally shopping at regular grocery store. Going into this new year, we’re going to try looking at some of the discount options in our area and our goal is to reduce our spending to around $75 a week.
Blegh, I can’t attach the annual graph to show monthly, but here are the breakdowns for my family
VHCOL Coastal California
2 Adults, 2 Children (6 years old, 2 years old)
Groceries – ~$660/month
Restaurants: ~$560/month
Alcohol: ~$300/month
Coffee Shops: ~$73/month
I have a graph to show the variability but I can’t attach a picture.
EDIT: The above values were my annual totals divided by 12. As far as eating out, if I do the same calculation on the number of transactions, we eat out around 15 times per month. Those are rough numbers based on Transactions divided by 12.
MCOL, one person, groceries and eating out around $200-$250 depending on the month; mostly food (~$20-$50 may be household items like sandwich bags, sponges, and dish detergent; again, depending on the month). I usually eat out at least once a week, usually five or six times a month; but I usually only spend around $13-$20 a time dining out.
Mcol $800 for 5 people
2 Adults
HCOL
15k a year or around 1.25k a month
Convenience Store: 50
Fast Food: 200
Restaurants/Dinning: 500
Groceries/House Items: 500
Cheers!
I’m not saying this is what you SHOULD spend, because I’m kind of a disaster.
MCOL, 1 person household. I eat most weekday breakfasts and lunches and 3-4 dinners per week at home. My meals out are a mix of cheap fast food, expensive fast casual, and low to moderately priced sit down. I budget $300 for groceries from meal delivery services and occasional trips to various grocey stores and $300 for eating out. Once a month or so I make a run to Walmart for $100-150ish in nonperishables, personal hygiene, household, consumables, etc and that is NOT included in the $300 grocery budget.
HCOL
2 adults, 1 10-yo boy into sports
$35 for CSA bin weekly for fruits and veggies
$18 for yogurt/egg delivery bi-weekly
$250-350 for each visit to Costco. We go about twice a month.
$100-200 for misc things needed at the local grocery store.
$50-100 for snacks/personal hygiene items we can’t find at Costco, but are clearly cheaper than the grocery store. Subscribe and save on Amazon once a month. Our personal hygiene is pretty minimal. I don’t wear makeup or do my nails or have any super bougie lotions, but I do only purchase shampoos/soaps/lotions/toothpastes that are leaping bunny approved and a good EWG rating, so it’s likely a smidge more expensive than your garden variety lotion.
$50 for vitamins every 3 months or so from whatever vitamin site is cheapest. I don’t have any particular loyalty at the moment, but I prefer vegan vitamins so it’s probably more expensive for being different.
$50 a month on my kid’s favorite bakery or burrito place.
We rarely eat out bc each time we do it’s easily $100 for the 3 of us. We save it for special occasions or when a guest comes to town. If we do go out for something, it’s typically for an after dinner dessert situation so it’s still a fun outing without the steep price tag.
We barely drink. I’ve had 2 wine bottles and 8 beers in the fridge for maybe 5 years. And pretty sure those were all gifted to us.
For a HCOL city, I think we do pretty darn well. It almost seems like a lot less than most of the comments on here. Homemade burritos for the win!
VHCOL, 2 adults.
Groceries: 125/week
Date Night: 180/ month
Eating Out: 250/month
Consumables: 70/month
Consumables = toilet paper, sponges, cleaning supplies, etc.
$250/mo for me. HCOL. Groceries only, which is almost all my food.
MCOL with HH size ranging between 3-5 people.
2372 per month.
1000 groceries.
500 restaurants.
300 fast food.
200 alcohol.
200 food delivery.
Rest is miscellaneous.
Two adults, No Kids. One Adult works from home
HCOLish 600 / 700 on groceries but lower during the CSA growing season.
Another $150 per month on alcohol for home consumption because Wisconsin.
MCOL
2 adults and 4 kids, we spend around 1500 a month. Usually we hit up Walmart for 200 bucks every 5 days. And then a couple hundred bucks at Sam’s club once or twice a month.
Try not to eat out, but any sit down place usually costs us around 100 bucks. At most that’s twice a month. And then my wife will pick up the occasional fast food maybe once or twice a week averaging 30 bucks or so if it’s just some McDonald’s for the kids.
It wouldn’t be unusual to say between groceries and eating out we spend close to 1800, but might be closer to 2k.
It’s our biggest expense, more than housing.
LCOL (Mississippi), 2 adults + 2 adolescent age kids
Average $2000 per month on groceries + eating out + household / misc expenses that don’t fit any other category
I feel like this is where we could save the most money but have struggled to get better control.
HCOL, 2 adults.
For 2023, we averaged 790$ per month on groceries and 166$ per month on eating out. For a total monthly budget of 957$. We have been trying to limit eating out and eating healthier the last half of the year. Within our “groceries” does also include personal hygiene, toiletries and cleaning products when needed. We are also actively trying to lower this number lol.
Dallas – 2 adults
$1200 per month currently on groceries, and $150 going out
It’s normally more like $700 and $900 respectively. But we are on a health diet where we buy more expensive than normal groceries
2023 stats
Single
VHCOL
Groceries = 458 a month. I include anything I buy at a grocery store. From booze to meds to soap, etc.
Restaurant = 360 a month
I traveled about half the year all over the world. So vhcol when I was in major places. But spent about 4/5 weeks in poor countries, 12 weeks in mcol. The rest was vhcol.
I don’t eat out a ton at home. Because I eat out so much when traveling. But even when I travel I usually eat breakfast at “home” and have leftovers some days.
Edit: tweaked the weeks after some math
Two adults, MCOL city, including things like paper towels and toothpaste. We spend around $150-180 on groceries per week, and then another $40-50 on eating out. Trying to wrangle that part in, but it’s hard because I am very lazy and I hate cooking.
MCOL, 2 adults 1 toddler 3 cats.
$800-$1200 for all grocery, household and pet needs. Trying to keep it closer to $800 but it’s tough. We rarely eat out and when we do it’s fast food. We both pack lunches for work and daycare doesn’t provide food so we have to pack breakfast, lunch and a snack for her every day. We go through sooo many pouches. We mainly shop at Kroger, Costco and Amazon. We mostly buy whatever we want but we’re also not eating steak every night.
We spend about $650/mo mo on groceries. We’re in a LCOL, family of 3. This includes personal care, diapers, TP, and other consumables. We eat pretty good. Plenty of meat and veggies.
MCOL, 2 adults and our 20 y/o son who’s home part time. We spend about $200-$250 a week. This includes any paper towels, laundry and dish soap, cleaning stuff. We don’t eat out at all, except special occasions or if we’re on a day trip. We make coffee, eat breakfast, pack lunch for work, and have dinner at home. Our son will eat whatever we’ve made for dinner, I’ll buy him some snack foods he likes just to have them available when he’s around. If he isn’t around, we have leftovers for work lunches.
2 adults, 600ish a month, MCOL…probably eat out 2-4 times a week
* VHCOL area
* 2 adults, 1 toddler
* $775 (averaged all of 2023’s grocery bills, which ranged from a low of $571 [January] to a high of $1,234 [December, eff you, holiday gifts]). This is *only* food. Personal hygiene is a separate line item.
* We rarely eat out but do order takeout and go to enough coffee shops and order lunch at work to make a dent in our budget. Monthly average for 2023 is $247
HCOL. 3K per month for 2 plus 2-3 eat outs per month (excluding lunches in the city. We spend way too much.
HCOL, 3 people.
I budget $1000 for groceries and $300 for eating out every month. We rarely hit that month after month, but it averages to that annually.
I got my Amex (I don’t use any other card for groceries) report back today for yearly spending and I spent $1,556 on groceries in 2023. Single F27. Idk if Boca Raton, FL is MCOL or HCOL now? I don’t eat out a lot. Maybe 2-3 times a month.
HCOL 2 people 2 pets, $600 + additional $500 for hosting/entertaining friends and family. We have people a couple times a week or at least bring lots of food and drinks if we are the dinner guest. It adds up 🙁 but we try to be supportive and no driving wedges between family and friends.
MCOL-HCOL area. 2 adults. We budget $650/month for groceries (food/beverages only) and going out to eat/getting take out.
Mcol, 1 person, $350 a month specifically on groceries.
VHCOL
3 person household (2 adults, 1 toddler)
$350-400 per week, including groceries, other household items, and one night of takeout. Does not include occasional meals out at restaurants (~once every 1-2 months when we can get babysitting).
LCOL just me, $300/month on groceries (through Instacart), $100/month restaurants/bars/coffee shops
LCOL
2 adults
Grocery and eating out budget are both $125/week (some luxury items, usually 1 take out and 1 sit down meal per week)
Total would be $1000/mo
LCOL in western Ny
My wife and son have allergy restricted diets so we spend around $1100 a month
Average of $400 per month for 2 people according to YNAB. This does not include pet food but does include toiletries.
MCOL family of 4. 800-1000 a month. Way too much. Trying to lower it.
MCOL
2 adults 2 toddlers
Between $800-$1000/month depending on sales and if it’s BBQ season, I spend a bunch on meat during the summer.
~$300 on consumables (diapers, wipes, cleaning supplies, trash bags, stuff like that)
MCOL- $800-$1000 per month for a family of 4
HCOL (Seattle area)
2 adults, 1 almost teen (!!)
$620/mo
Dining out ~once a week, but that is a separate budget category that includes all convenience or specialty foods: coffee, beer, restaurant, etc.
We make lunches and dinners and most breakfasts. Minimal packaged foods. Lots of canned beans, quinoa, tofu, tempeh, fresh veggies, fruits.
About $800/month
MCOL, 2 adults, 1 toddler, 1 infant (so includes formula and diapers)
Also spend about $500/month dining out, so groceries cover the majority of our food but we’re also eating out 3-4 meals a week.
HCOL about $500 per month on groceries for 2 adults and cat food and litter for 3 cats. About $2-300 a month on restaurants
Wife and I, 26, MCOL area. $500 a month.
I get a lot of my red meat hunting. So we haven’t bought very much beef recently.
We haven’t paid attention to our categorical spends recently but I pulled the data because this post made me interested. Now I’m sad. Monthly:
2020: $376
2021: $275
2022: $420
2023: $920 (I’m guessing there’s $100-200 of home goods mixed in… and my partner pointed out that gas might be another $50)
– in addition (just 2023):
– restaurant: $112 (once/month)
– coffee shop-esque: $53 (thrice/month)
2 adults. MCOL. We shop frugal (or I thought we did): 75% of our groceries from our primary grocers are clearance tags, and then we do a bit at Costco (those bulk snacks/drinks are killing us, *cry)
– Krogers: $620
– Costco: $256