(This is an edited version of an email I sent a friend. I thought it could be useful for anyone suddenly caught in our down turning economy)
Well, here's my take on it. I think the biggest trick is to put yourself in the mind set they had during the last depression. Waste not want not. A penny saved is a penny earned. Don't buy anything unless you can use it repeatedly throughout the years. And don't buy it unless you can't borrow it or get it for free (check out Freecycle.org in your area).
You can address food issues with two factors; one-buying pre-made food is more expensive. Two- it happens to be worse for your health as well. Which makes you make bad decisions. If you look at the price per pound and then look at how dense the product is per nutritional value, you'll see that a box of dry cereal is a waste of money. Most people like bacon, have you found the packages of the ends at the butcher counter? They taste great and are just odd shaped. Plus at least 2 dollars cheaper a pound. We do have Cheerios for my oldest because I've found she is niacin deficient (growing pains and mood swings) and it is an easy way to make sure she has enough. But those are for her only. Orion only snacks on them on occasion. And I stay away from them because I don't want to waste them.
First -You have to stop spending on EVERYTHING to figure out where you are at. So that means only transportation to and from work, and perishables for the home like milk and eggs. I bet, if you set a NO spending for a week, even two weeks, you could eat and live quite comfortably with what is in your house already. No buying ANYTHING extra for the kids. No ice cream, no deserts! They have all they need anyway. No coffee, tea, creamer, chocolate, and beer for the adults either. No picking up snacks because you are away from home and didn't bring anything. Or, because the kids don't like what you have. They'll learn to like it, and you'll learn to pack.
Two - you need to keep all your receipts and enter them into an excel, notepad, money program, etc. Figure out what you are spending money on. You can guess on how much you need to budget for food and gas, etc. But until you do this, you won't actually know. Do it for a few months at least if you haven't done it before. It will take that long before everyone is remembering to bring home the receipts all the time. Then you can just spot check now and then when you think you need to. For now, make sure you know what is going out a month to debtors and UT. That will help narrow it down to what is left for the flexible household stuff. Oh, here's a big one- Only carry Cash! Don't use your cards or check book. You'll be much more aware of what you are spending and when you are overspending. It will also help with budgets. It will be concrete. Here is what you need to pay the electric bill, here is what you need for your gas tank this week, and here is your allowance for food on the go. You should never pay more than $5 for a meal on the go. If you are, you are paying for junk and too much of it.
It's really important to look at all the debts you are paying on and get rid of them. You can start with any and all department store cards, credit cards etc. This one may be hard, but no online subscriptions, no magazines, no movie rentals etc. And no charitable donations except a set amount once a year! Don't get carried away at xmas! Give only to one or two people and only people that actually need something! Give one gift to each of the kids. Try and get Santa to deliver gifts from other elves at what ever house you are celebrating at to make a bigger impact with less stuff. I found it is actually easier to focus on just one debt at a time and dump everything you have into it till it's gone. Instead of a little every month to 20 of them. You should probably look into what is involved in bankruptcy. Even if just to arm yourself for the future. Our economy is tanking rapidly (i'll expand on this later). The world is going to be affected by this. One thing that you need to just cement in your head. You have been living above your means. You don't have the money to spend. Make your budget. Define a 5 year plan. Once you have that, you'll see that you don't any excess money to spend on the big fat X. Once you get used to NOT spending money. It is easier. So just keep saying over and over again, I DON"T HAVE MONEY. Till you get used to going into a store and ONLY getting what is on your list. Don't look left or right. Just get what you need and get out. It will feel great when you have the kind of security you really need - a savings account. The whole consumerism society is addicted to spending money. You have to break that. BUT it is like food addictions, you still have to eat so you have to be twice as vigilante because you can't just eradicate the thing that you are addicted to.
I know that logical arguments around food are difficult in the best of time. BUT if you eat simply, you'll all feel better. And when you feel better, more solutions to your problems will be found. Getting everyone off the sugar high's and lows will make a huge difference in your house hold. The multivitamin might also make a noticeable affect. It sure does in our household. All you can do is do the right thing for you. And hope that you can be a positive influence on the rest of the household. Get stubborn, get mean if you have to. But you know you have to do something different!
Here's my basic grocery list :
Breakfast:
plain old fashioned oatmeal
flour
butter
sugar
milk
eggs
yogurt
cheerios
raisins
sausage - on weekends
Lunch and Dinner:
flour tortillas (I like the spinach ones)
black beans
salsa
humus
top ramen
pickles
carrots
yellow and green onions
garlic
broccoli
green peas
rice
chicken
plain macaroni
fish on friday
squash
bananas
peanut butter
jam
bread
cheese
fruit leather
crackers
Supplements for me and the kids:
a good multivitamin and fish oil
Shop at your local Grocery Outlet or equivalent. You'd be surprised at the amount of organic foods AND cheap prices! But you have to be careful. Places like this specialize in pre-made stuff. Stick to your list. And keep looking for the least amount of processing. Focus on veggies and then proteins. We get starches so easily, that will happen all on its own. Go to the bread outlet store and stock up on whole grain everything for just a few dollars. With our chest freezer, I stop there about every 2 months and get almost all our starch needs there for 20$ including breads, english muffins, granola, and crackers. I read an article in Mothering Magazine about what a professor at Bastyr thought was a balanced diet? It was very insightful including what she termed digestives; something that is either raw, fermented, cultured, or pickled. That made a light bulb go on for me. I've been reading over the years about what happens when the Ph in the body is off. From yeast infections to cancor sores, to digestive issues, etc. Well, these digestives help balance Ph and microbes as well. Makes perfect sense to me. I also was reading at Earthclinic.com about an apple cider diet. It's easy as pie and works wonders on sugar cravings. I've tried it for a week now. Just put a splash of apple cider vinegar in your drinking water and sip that through out the day. I feel a marked difference.
Take it a step at a time. You know you have to act but do what seems easiest and work up to the rest. Try and work to get concesus in your house but don't let anyone's refusal stop you. Control what you can and try to get a hold of the rest later. This is YOUR future. You have to grab ahold of it for you and your kids.