Reddit mentions of Healthy Cooking for Two (or Just You): Low-Fat Recipes with Half the Fuss and Double the Taste

(Had to repost this because I used link shorteners to stay under char limit and it got auto-deleted, so this one is finally fixed)

I'm a native New Yorker, and I'll chime in as someone who was able to buy a place in NYC (brooklyn) before turning 30. Now, the prices have exploded in my area since I bought (2010), but there are other areas that are still in the "reasonable" range.

I was by no means rich. I'm not rich, but I technically own property that has appreciated so I "have" money on paper. I can't spend that money. I am the type of person subbed to r/frugal, /r/personalfinance, and /r/churning. I grew up somewhat poor, and I think that has shaped my complete fear of going broke. For some, it may also fuel the desire to buy nice things. You have to be careful with that second one. I pay off my credit cards every month, but I also take advantage of any "no interest for 12 months" type deals on a Best Buy store card when I need a big purchase. I'm going to talk about buying, and then I'm going to talk about what I generally do financially.

"Avocado toast" really seems to be an example of a bigger underlying problem, which is that people have too many things that they spend too much money on. $14 for avocado on toast is obscene given how cheap it would be to make it yourself. And yes, I understand that they restaurant pays the rent, the servers, etc, but the point is that avocado toast and expensive coffee shouldn't really be a regular luxury. The thing is, how many other places are you basically throwing away excess money, like GrubHub and bars?

I'm not saying don't have fun. I'm saying that you should meter that stuff a bit. If you have the funds and you want to buy a Nintendo Switch, go ahead. That's a one time cost for the system, and it provides ongoing fun. But that's gotta be your thing. Your thing can't be bars AND dining out AND traveling AND expensive jeans AND tattoos AND...

Here are my personal tips for finance that may make life a bit easier. This may not lead to you buying a place, but it can lead to you getting some financial freedom. It's the same theory when it came to packing a ruck: ounces make pounds. In this case that extra money you save (or spend) adds up over time.

First off you need to plan.

I like Quicken. I used to love MS Money more, but that's gone and mint wasn't doing it for me at the time and I haven't tried it since. Don't get the new version every year. Maybe every 4 years IF you feel the new features will help you.

Quicken works best if you have steady income, but if you have income that fluctuates due to hours or tips, you should just estimate a basic income that you typically get and you can always adjust upward for actual. Better to underestimate income. So now you have an estimate of money in.

Now, you need to take control of your bills and calculate money out. Personally, I pay most of my bills weekly so they can't sneak up on me. For example, I went to the electric company website and looked at my bills for the past year, added that up, and divided by 52. That's my weekly average energy spend. It goes up in summer and down in winter. Then, for one bill I paid it off, and then the following week, I had my bank start automatic payments of that weekly amount. This does three things. First, the bills don't surprise me all at once. Second, should anything happen, I'm a month ahead of my bills, so I have some time to think. Third, with the payments going automatically, I don't have to waste time paying bills or trying to figure out what needs to be paid. And your bank send it, so you can't forget, they track it, and you don't need a stamp (if you mail it to someone).

Remember that thing I mentioned about "12 months no interest" on a store card. Don't wait 12 months and get screwed. Again, take the amount, divide by 50, send that much to the card each week for 52 weeks. So if you need a new laptop, and it's going to cost $1,300, that might really hurt your budget. However, at $25 a week, it becomes easy to manage. That's like not eating out once.

I pay for everything possible with a credit card. I could try to figure out a budget, but I'm lazy, and my spending can go all over the place. However, with the card, I just estimate what I usually spend each week and have the bank auto-pay that. This also makes it easy to track the real money in my checking account in Quicken because the output is stabilized. Just like with the other bills. Also, I get cool points and stuff that I will later use for travel or whatever, and I pay no interest.

So, in Quicken, with your general income and spending put in, you can see what your money is doing over time. And you can see if your lifestyle is going to slowly drive you to being broke. When I first got my place and needed a roommate, the area sucked. However, I could see in quicken what the minimum that I needed to charge was in order for me to not go broke. My roommate paid less than a third of the total costs were, but I was at least financially stable for the time being. Now that the area is better, it's closer to them paying half.

Save money

So let's say that you're one of the lucky people that have excess money when you look at your plan. Don't plan how to spend it. I recommend opening another bank account, setting up a regular automatic transfer, and then acting like the money isn't there.

I started doing this when I was in the military and used to get blindsided by holiday shopping. I figured out that if I could put $25 a month into another account, I would have $300 at the end of the year for gifts. That's a big chunk of money when you're semi-broke and it hits you all at once. So having that in reserve was useful.

Again, using quicken, you can see what you can put aside without completely depleting your checking account.

Also, any pay raise you get, just don't increase your standard of living, and set that money aside. It will be a great emergency fund.

Buying stuff.

I was STUPID when I got out of the military. I lived in a place that was furnished when I was in, so when I got out and had money, I bought some nice furniture. I think I blew around $8K thanks to Raymour & Flanigan. It was basically Afghanistan deployment money. I bought a nice table, chairs, a mattress and some other stuff, all for way too much.

You know where you can also get some nice stuff? Craigslist, which is where I'm currently trying to sell that nice table for a lot less than I bought it for. $200 Ikea bed frames in very good condition are going for $50. $150 for a solid table and 4 chairs that someone else paid 800 for, and they may be in great condition.

Unless there is no way to get it cheaper, I don't by anything that's not on sale, and even then it's usually what I need.

There are some places where you usually don't want to go cheap, like shoes or a mattress, or tires if you own a car.

Buy things that will last but you don't need to do it all at once. You can always upgrade stuff later, but just make sure that you don't spend a lot on the placeholder stuff.

Eating

We all need food. And we all feel like there's no time. Cooking is not that hard. Yeah, you may screw up a recipe at first, but you will get better. Most meals you can make in 30 minutes, and if you want to get really efficient, you can do things like taking a day for weekly meal prep (I don't. I should but I haven't really gotten to it).

You can cook scrambled eggs like Gordon Ramsey in under 5 minutes. Your cost: 40 cents. The cost of a ham, egg, and cheese sandwich is maybe $1.25 if you do it yourself.

Buy cookbooks geared toward simplicity.

This was my first cookbook: Cooking Outside the Pizza Box. For many of us, it's aptly named. Other ones that I have and would recommend: Healthy Cooking for Two (or Just You) and Easy Menus for Dining In.

If you want to be really cheap, just go to http://allrecipes.com/ or some similar website.

I also invested in a good chef's knife (over $100), but a mediocre one for $30 will be okay, just realize that you will need to sharpen it a little more frequently (like every 3 months), so maybe invest in a whetstone and learn a skill. Sharp knives make cutting so much easier.. A dull knife means you use more force, and are more likely to cut yourself if it slips.

Most of your meals you can make for a fraction of the cost that you pay for it outside. Coffee is the easiest. Yes a coffee maker is pricey, but if you get one that has something like an automatic function, you can get one that you can set up to make you coffee in the morning so you can save time on your prep.

Something like this and a thermos will be invaluable.

Hanging out with friends

I like to be social. Unfortunately, there are few places in NYC that you can hang out, and most of them serve food and drinks, and it's going to cost you. Bars are just convenient. Also, you can meet new people there.

However, if you or a friend have a nice space, maybe try hosting gatherings. You could even do a potluck. The drinks are cheaper, people can bring food, and if it's your place, when the night ends everyone leaves and you're right next to your bed.

I've gotten a lot of use out of this cookbook.

So simple and so tasty! Based off of a recipe from Healthy Cooking for Two, or Just You - here's the recipe link.

Healthy Cooking for Two because both my boyfriend and I need to get ourselves in better shape and learning how to cook healthier would be a huge step in the right direction! It's on my "weight loss goals" wish list :)

A healthier me! will be a happier me! :)

There is some strange 'research' (Mainly because there isn't enough data for it to be accurate) that says we aren't supposed to eat meat except for fish. Something to do with how we can eat it raw, but we get sick off of other raw meats. I wish I could remember where I read that though.

I picked up 'Healthy Cooking for two, or just you' (http://www.amazon.com/Healthy-Cooking-Two-Just-You/dp/0875964486) a couple years back and it's had some really awesome small batch recipes in it (1/2 of the book is vegetarian, the rest isn't, so you might get some use for you out of it too)

Tabbouleh is an awesome dish too, with a lot of prep to share with someone...I'm looking for a good recipe on that myself though.