I could probably cut back even more than that. But I’ll notice the difference on anything over 10%. It would mean less food, or more trips to budget grocery stores, or conscious decisions to dine out less or avoid nicer restaurants, and sometimes saying no to social gatherings.

While I’m aware we overspend on food and beverage - It doesn’t bother me all that much. I see it as an investment in good memories. We’re rarely eating fast food, instead we’re arranging plans with friends to try new restaurants and bars. Heading into my thirties, I’m also aware that these gatherings will be less and less frequent as we all start making families.

Tomorrow is never certain so personally, I try to balance out how much I’m saving for the future with how much I’m investing in todays experiences (and future memories).

All that to say, I’m going to stick with a 5% reduction goal because I love food, drink, and good company 😅