How to Budget for Groceries in a Pandemic (2024)

There’s a lot of conflicting information surrounding the coronavirus. But one thing we can agree on is this: we don’t know for sure what will happen as the virus spreads across the US, and the world.

Last week, someone in our state (about an hour away) tested positive for coronavirus. Then in Washington, someone died, then another person… then more.
We’re in Oregon, we have a handful of confirmed cases here and a bunch to the north and south of us.
The virus is most definitely spreading.

While I certainly don’t want to get sick (who does). I realize that death is not likely for me, or any of my immediate family members, for that matter.

However,
Schools are getting cancelled (maybe in a town near you).
Large gatherings are being cancelled.
People are calling in sick to work.

I think the potential is there for things to go sideways. As we’ve seen in China, large companies are unable to deliver goods because so many employees are suddenly out sick.

So, my husband and I thought long and hard about how to proceed. Were we overreacting for stocking up on groceries/personal supplies for potential coronavirus quarantine? We decided the answer was no.

If you are like me, you don’t grocery shop for groceries for more than one week at a time. Yes, we have staples that we buy in large quantities, that we know we will consume within the next couple months, but I don’t normally stock up on enough groceries to feed us for more than roughly 7-10 days. In fact, you can get my weekly grocery list planner here.

Our grocery budget is $700/month, we typically spend $100 – $165 each week, just depending on what we need to stock up on.

But this month? We have spent $412 by the first DAY of the month.

We decided that we wanted to stock up on enough groceries in case we couldn’t get to the store for 3 weeks.

Why three weeks and not two or four? Honestly, it just felt like the right amount, there was no real reason behind it.

So how did we do it?

We were strategic.

I sat down and loosely planned out our menu. This is similar to my normal Sunday morning routine (where I plan out the menu for the week), but this time, was a little different because I was specifically planning out meals that required little to no FRESH ingredients. I didn’t do a day-to-day plan of what we would be eating for three weeks. Instead I listed out 7 meals that included frozen veggies, or just plain-old shelf stable items.

Then I listed out the ingredients we would need to stock up on to make those items.

The grocery list included things like: canned beans (for some reason I haven’t gotten into the habit of soaking my beans ahead of time), lentils, rice, vegetable bouillion, noodles, tofu, frozen veggies, dried berries, frozen fruits, cereal, boxed plant-based milk, coffee, beer, wine, etc.

Then we hit Costco after work on Friday (thank goodness because is sounds like the weekend was insanity) and Winco/Fred Meyer on Saturday.

But the reason I’m writing all of this to you is not because I’m a coronavirus expert. I am not giving you advice on what to do about the coronavirus. But should you decide to stock up on some groceries, know that it IS going to affect your monthly grocery budget.

Spending all of this grocery money up front is not normal for us. We both had to do a gut check several times over the weekend. But we made our decision and stuck with it.

The largest reason we decided to spend all that money to stock up on groceries is because we know that we aren’t wasting any money. Nothing that we bought in bulk will wind up getting thrown out.

I have planned this weeks worth of meals (which includes plenty of fresh vegetables, fruits, etc) just like normal. Then if everything is still operating as normal come this weekend, I’ll plan out a menu for next week. I expect the grocery list to be lighter because we won’t be getting many things besides fresh foods.

I expect that each week for the rest of this month we will be spending less than $100 on groceries. And since we have $288 left in our grocery budget cash envelope, we will mostly likely be able to make it the rest of the way through the month without having to transfer anything from another budget or from our savings account.

If you would like to get your food budget under control, join us in the next Back to the Kitchen Challenge.

I am all about having a budget that WORKS FOR YOU. A budget should not feel restricting. If it does, you are doing it wrong.

If you are interested in learning how to use my Abundant Money Method to create a budget that feels right for your family and can help you get out of debt, let me help you get your money on track.

Whether you’re ready to create a budget that you can stick to month after month, stop stressing about money, get in control of your spending or get out of debt, I am here to help you.

How to Budget for Groceries in a Pandemic (2024)

FAQs

What is a realistic budget for groceries? ›

Average Cost of Groceries Per Month

The average household grocery cost per month is $475—which totals to $5,703 a year. And that number is likely to increase as overall food prices continue to go up. In fact, Americans spent 1.3% more on food at home (aka groceries) in December 2023 than they did in December 2022.

How much should 1 person spend on groceries per week? ›

The average weekly grocery budget for a single person can vary significantly depending on factors like location, dietary preferences, and income. However, a rough estimate might be between $50 to $100 per week.

How do you estimate the cost of groceries? ›

As stated above, the monthly grocery cost for a single-person household should ideally be 4 to 5 percent of their taxable earnings. However, it can be as much as 10% but should not exceed this amount. Here is how you go about calculating your food cost for a single-person house🏡.

What is the 50 30 20 rule? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals.

How much should 1 person spend on groceries? ›

According to the USDA, a single man living alone could spend as little as $223 per month for groceries on its “Thrifty” food plan, and still get all the nutrition needed for a healthy diet. A single woman living alone would need to spend $198 on groceries for good nutrition.

Is it cheaper to eat out or cook at home? ›

Is It Cheaper to Cook or Eat Out? For those who want a quick and easy answer: It's generally cheaper to cook food at home than eat out.

What is the 6 to 1 grocery method? ›

People looking for ways to save money and eat healthier may benefit from the "6-to-1 grocery shopping method." This approach was created by chef Will Coleman and shared on TikTok. It involves picking six vegetables, five fruits, four proteins, three starches, two sauces or spreads, and one fun item.

How to only spend $100 a month on groceries? ›

Here how I save big bucks on groceries and how you can, too.
  1. Planning Ahead Pays Off. ...
  2. Meat Costs More. ...
  3. Stock Up During Sales. ...
  4. Stick to In-Season. ...
  5. Price Match Your Way to Savings. ...
  6. Couples and Families Can Still Enjoy Savings, Too.

What is a realistic grocery budget for 2 people? ›

According to a recent GOBankingRates article, average grocery costs range from $250 to $550 per person, per month.

What is a reasonable food budget? ›

By Household Size

According to the USDA guidelines, you might spend $979 a month on a thrifty plan, $1,028 on a low-cost plan, $1,252 on a moderate-cost plan and $1,604 on a liberal plan. The USDA guidelines can provide a starting point for a food budget, but they don't consider all the variables that can affect cost.

What state has the most expensive groceries? ›

California has the highest grocery prices in the US, according to HelpAdvisor report.

How much are groceries per month 2024? ›

As of March 2024, the USDA recommends a family of four on a thrifty budget spend $976.60 monthly and $1,585.20 for a liberal budget. On average, across the four food plans, the monthly budget recommendation has risen 27% since the start of 2020.

How much should a family budget for groceries? ›

First let's talk about how much people tend to spend on this budget line. The average cost of monthly groceries for one adult on the thrifty plan ranges from $242 to $303. And when it comes to a family of four, the average cost for their monthly grocery bill is about $975.

Why is my grocery bill so high? ›

Well, there are a lot of ingredients that make up the recipe for food inflation—including droughts, high production costs and labor shortages. All these things and more affect the number you see on your grocery receipt and restaurant check. But let's break down some of the main causes happening right now.

Is 200 enough for groceries? ›

* YES! It is possible to eat healthy for $200 a month. 30 Days on $200 shopping list is intended for one person.

What is the average grocery bill per month? ›

New research suggests that the average American household spends more than $1,000 per month on groceries, and for Golden State residents, that number may likely be higher.

What is a realistic grocery budget for 2? ›

According to a recent GOBankingRates article, average grocery costs range from $250 to $550 per person, per month.

How to spend only $400 a month on groceries? ›

CHANGE HABITS
  1. Stop eating out! We have never eaten out often but when we did once or twice a month it would cost us $50-$100 per meal to feed the family. ...
  2. Pack lunches for the whole family. Pack school lunches and your own. ...
  3. Don't buy drinks. ...
  4. Re-think the snack. ...
  5. Buy store brand when possible.
Aug 14, 2018

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