It’s My Money, I’ll Eat Out If I Want To

I have a problem with the general blogosphere. At some point, the PF community conspired without my knowledge and decided eating out is the worst crime an indebted person can commit. And you know what I say? Bullshit.

I eat out a minimum of twice a week — usually once at Chipotle, and once at a sitdown restaurant. I also buy alcohol to drink at home, and consume it more days than I don’t. I do these things unapologetically because I can, regardless of the financial hard asses that say I shouldn’t.


Eating out while in debt gets a bad rap because it is a luxury. It’s not essential to everyday living. And this is 100% true. But I bet $5 (shut up, I don’t really gamble), you spend your money on a lot of things I think are nonessential. Like gambling $5.

Let’s start with furniture. Guess what? You don’t actually need almost all of it. Therefore, it is nonessential. A mattress on a floor is enough to live.

That just sounds silly, right? Well, I only have a mattress on a floor. It has white sheets on it and no comforter. I don’t own a couch, a chair, a real desk (I use a refrigerator…), a table, or a dresser. Yet somehow I am magically surviving without them. If I don’t need them, neither do you.

But here’s the thing. We have different priorities. You value having furniture. You value having a nice looking home. I value wine and pizza. Why can you have nonessentials and I can’t?

Or what about the other “needs” dictated by society but necessary for no one? A dishwasher, a microwave, a television — are these really as important as the air you breathe? The answer would be no.

So if you have them and you are in debt are you a terrible, wasteful person? Of course not! You prioritized those items. But I prioritize chicken kebabs and pad thai.

Just to piss everyone off, having pets and kids is also NONESSENTIAL. Now if you already have them, you need to make sure they are fed and clothed (the kids, not the pets). But if you don’t and you are in debt, you shouldn’t have them because they are unnecessary.

Now you may be seething because kids and pets are so important to you. They are your priority! But they really weren’t necessary were they? Neither is my eating out, but it is my spending priority. You have kids and I have burritos.

We don’t have to have the same priorities in life. And while you might argue kids, pets, and couches are more important than eating out, this is only your opinion. At this point in my life, eating out is the thing I value.

Is it consumable while most of the other things aren’t? Sure! But it is what brings me the most joy. Eating out is not essential and I will never pretend it is. However, it is my thing. And it is no less important than your thing.

Y’all pay for a lot of crap I don’t. And because of that, I will not let you hate on my eating out.Β It is my money and I’ll do what I want to. And I want to eat it. Om nom nom.

What is your spending priority? How offended are you that I compared your kid to a burrito?

Rockstar Finance

[Image from Main Frame Review]


  1. Swaddled infant? Swaddled beans and rice? I can totally see where you might draw the comparison… =)

    My thing is the gym and how much I spend on running activities. “You can exercise for free!!” “Yes, but I happen to really like the gym and races I pay for.”

    • Haha, they do sorta look alike!

      Glad you found “your thing” πŸ™‚

    • HAHA Mrs. PoP mine is totally the same. Gym & running activities (not to mentions running clothes, shoes, garmin etc.). Are these things essential for my life? no. Are they essential for my sanity?…Yes!

  2. When my son was first born we wrapped him in these sleep sack thingys (which I never knew existed) and I would call him “baby burrito” so I think the comparrison is spot on. I know this will probably ruin our internet friendship, but I don’t care for Chipotle.

    • You don’t care for Chipotle? Brian! This makes me sad.

      Someday, I will have cute baby burritos, but for now I’m happy with burritos stuffed with rice, chicken, and beans πŸ™‚

    • It’s true, one of the the most important things they teach you for your newborn is to swaddle them like a burrito! They have a strong tendency to grow Freddy Krueger like nails and scratch their own faces up, or hit themselves in the face and wake up. Thankfully they have swaddle blankets with velcro now that make this dead simple. Our little man is crazy baby-strong and even as a newborn would just go all Hulk/Harry Houdini and get his arms out every night.

      Also, Brian you are wrong about Chipotle and this makes me question if you are even real.

      Lastly, I have a kid and I have burritos, and they are both awesome!

  3. Best line of the post: “You have kids and I have burritos.” Bahaha, this whole post made me laugh!

    I think a lot of bloggers and people in the PF community are a one-sized fits all approach based on their experience, and can sometimes get a little preachy like “you’re doing this wrong”.

    • Thanks, Alicia! People definitely apply their own experience and priorities to others’ situations, and they shouldn’t. It is no one’s place to judge.

  4. We don’t gamble and we don’t eat out. We ate out this year for 6 times (one ones our civil ceremony lunch and once we took a fried out to eat – she was visiting). We dislike the idea of eating out for 2 reasons: it’s expensive (if you’re not eating crap food) and most of the time the food is not healthy and prepared properly. We’re big into healthy eating and cooking from scratch, so we’d rather spend a bit more on groceries, for excellent produce/ingredients than eat whatever junk we’re being served πŸ™‚

  5. Wow! I have horses and Dogs….I eat out a couple times a month. There’s nothing greater than a whole foods turkey burger and I love breakfast. LOVE It! We also eat organic and grass feed meat.

    Oh, and there’s always wine in my house. LIke always! I’m beginning to wonder if I have a problem….nahhhhh…..I love wine.

    I think it’s all that is important to you. Not about what everyone else thinks. Do you feel guilty for eating out? You shouldn’t. Just like I don’t feel guilty for having horses, but I shouldn’t be judged for having them. I don’t judge people that have children or big houses.

    And I haven’t had a working clothes dryer in over a year….no cable, the dishwasher is broken and has been since this summer….We make choices on our priorities and so are you….

    Now, when I pour my glass of wine, I will think of you on the opposite cost and raise my glass to you….

    • Hmm, I’ve never had a Whole Foods turkey burger! And I love a nice breakfast out πŸ™‚

      Yeah, we always have wine or beer in the house. Our priorities are super consumable, but we’re also really minimalistic.

      I don’t feel guilty, I am just sick of people demonizing it so much. Eating out is awesome, so there! πŸ˜‰

  6. This made me laugh πŸ™‚

    Not sure if it’s a fair comparison (burrito vs. baby?) but I wasn’t offended. And I agree that if you don’t have pets/children and are in a lot of debt, you shouldn’t be adopting / procreating. You need to be able to support yourself before supporting another living being.

    • Haha, thanks πŸ™‚

      Yeah, shit happens but I don’t plan on having kids until I’m out of debt. But I can understand people with less time to procreate starting to have children while in debt.

  7. AMEN to the kids and pets vs. eating out point. Sure, it will ruffle some feathers, but it is all about priorities. I’d love to have a dog, but I don’t right now because their expensive and I’d rather go out to happy hour than run home and walk the dog after work.

    I’m not big into the eating out — but that’s only because I’m not a “foodie” and don’t particularly value the experience. I’d rather spend brunch money on entertainment like plays or movies. But, if you are trying to pinch pennies, brown bagging your lunch to work is one of the easiest ways to start saving some bucks.

  8. I’m not offended by the kid/burrito. lol! For me eating out is one thing that’s easy for me to give up, however, I also spend way more on myself than most people do on groceries and that’s MY priority. “you buy gluten free bread and kombucha?!?!?” Yup! Like you said, it’s YOUR priority. It’s not to say that I don’t truthfully sometimes cringe reading some pf blogs when they seem to be way off the rails, for instance in mounds of debt, little income, yet spending shit tons on X, Y, and Z (not saying what in case they read this blog) that is so unnecessary it makes me scream. I mean it’s hard not to be somewhat opinionated since we are human after all. πŸ™‚

  9. I LOVE YOU SO MUCH!!! Hehe. I don’t have kids, pets, or cars so I think eating out occasionally is ok. Especially because you need to eat, and it’s a necessity and a luxury for me. Two for one win!

  10. Really love the article! As a fellow wine drinker, I really appreciate being able to buy and drink said wine whenever I want, usually after a really long and hard day of work (which might happen every day).

    Being able to name our own priorities is what makes budgets and finances so great. We are all different people and improving your health by drinking wine should definitely be a priority.

  11. I have a fancy yoga membership. There. I said it.

  12. Great points – I think a lot of people start to view some things like furniture and appliances as essentials when you can go without them. A dishwasher is a convenience. I don’t prioritize going out to eat only because I’m a fairly picky eater, and I like to make sure I’m getting a good value for the meal. It’s one of the things I have an easier time cutting back on. However, I do have two cats that cost about $50 a month because I love animals. I also loved the child/burrito comparison!

    • My mom laughs at me because I don’t consider furniture essential. But it really isn’t! I do consider a mattress essential though, no reason to damage your back by sleeping on the floor!

  13. Haha I love this post. So many people gave me crap because we bought not one but TWO nice cars in the past year. I don’t care. We save in other areas and we splurge in others.

  14. A girl after my own heart πŸ™‚

    We sleep on a Japanese futon on the floor, and don’t have any furniture aside from the futon these days (we live in hotels, so they always come with a table, etc).

    Then I use the money to buy whatever I want, even if it’s ridiculous

  15. Eating leftover takeout as I read this πŸ™‚ My cooking skills and patience will have to improve if I am to cook all my meals for myself. I can only work on so much at the time. Cooking, unfortunately, is not high on my priority list. I would love to learn how to cook, but it’s hard balancing life. So, we will probably continue to eat out. Although we don’t eat out every day. A couple of times a week, because it’s pricey.

  16. For the record, I LOVE that you compared someone’s kid to a burrito. I cracked up.

    I agree that everyone has different priorities – we had a mattress-on-the-floor set up for a while, too, and that new mattress with cheap metal frame that gets it off the ground is literally the only piece of furniture in our whole house that was bought brand-new. Everything else is secondhand or a hand-me-down. The reason I can’t justify going out to eat is because of how quickly it adds up, and how happy I am with food in any form. Food that I make at home is just as suitable to me as food in a restaurant. We also like to use eating out as a way to celebrate special occasions – and by keeping eating out to a minimum, we make sure it’s a special thing every time we do it. I will say though, my one eating-out weakness is any place that serves breakfast food.. I looove breakfast food.

    But like you said, we all have our different priorities. I feel like people who announce “by god this one way that I do things is the one and only right way to do it” immediately lose all credibility, and are also annoying. Haters gonna hate. You do you.

    • Eating out for us is not only tastier than what we make at home, it also gets us out of the house. For someone who works at home full time, going out and being around people is a must for the sake of my sanity!

      Yeah, I’m not a fan of “one size fits all” finances.

  17. Too funny! I read a blog post a while back about not wasting money on engagement rings, and I had the same reaction you did. Luxuries are luxuries…which ones you choose to buy are arbitrary, to a point.

    I think the reason dining out gets hit by PF bloggers is that it’s a pretty easy “quick win” if you’re looking for places to cut money. And since it’s a recurring cost, its impact can potentially be pretty big (whereas a one time cost doesn’t have ongoing benefits if you cut it out/sell it).

    • It’s only a waste if you don’t value it! That’s why I don’t buy knick knacks, because I think they are stupid and I don’t value owning them.

      Sure, it is a “quick win” for those who really don’t know what else to do. But if you put it as a priority in your budget, it should be celebrated not demonized πŸ™‚

  18. *like* I am totally loving the slow transition that most bloggers are having towards a minimalist/I’ll-spend-my-money-on-what-I-want attitude πŸ˜€

    However…… may I ask how your fridge does double-duty as a desk?

    • It is smaller than a traditional fridge, so I just pile a couple books on top and put my laptop on it. Then I have a standing desk πŸ™‚ Boom, frugal!

  19. Mmmm, pad thai!! I agree that just because it’s a no-no for someone, doesn’t mean it’s a no-no for another person. People just need to mind their own bidness when it comes to projecting their values on others.

  20. Hell, I have kids, burritos, dog, cat, guinea pig, 2 pygmy goats, burrito bowls, and comfy furniture everywhere. What does that make me…lol

  21. I have to say I think the kid to burrito comparison was a bit far. As burritos are not essential to the survival of the human race, no matter how delicious. Now I want a burrito…damn you ^_^ I understand your point though. We all have our priorities on non-essential items.

    Hell, heat after a certain temperature is non-essential because your body can survive being cold. We don’t want to just survive though, at least I don’t, people want to live and enjoy life. If that includes a frivolous night out to the movies to enjoy some overpriced (also, unbeliveably delicious and apparently can’t be replicated at home) popcorn, then so be it.

    • I firmly believe burritos are essential to the survival of the human race. No one wants to live in a world without Chipotle πŸ™‚

      Totally agree. There are SO MANY things we really don’t need, but who wants to live in survival mode when they don’t have to?

      • We friggin’ love Chipotle as well. This seems to be a theme among PF bloggers! We need to get them to sponsor FinCon!

        Mrs. 1500 (no longer Minnie Mouse voiced) thought it would be a good idea to buy some CMG stock years ago. It has now gone up more than seven-fold. So, I justify eating there by telling myself that the money I give them for a burrito comes back to me via the stock.

        The original is in Denver. Next time you’re passing through…

        • It would be amazing if Chipotle sponsored FinCon! Let’s start tweeting at them πŸ™‚

          Nice! Trust me, we are definitely doing our part to keep your stock up!

          And we definitely had Chipotle in Denver this summer.

        • A world without Chipotle would be a sad world indeed although Moe’s Southwest Grill is a decent substitute. The fact that they give away free chips and salsa doesn’t hurt their case either. πŸ™‚

    • I just found your blog. Hilarious. And actually, I would say that burritos are better than kids since burritos are a one-time cost. Once you buy and eat your burrito, you’re never obligated to buy another. Kids, however, just need to be fed again and again. For 18 years, it will never end. πŸ˜‰

  22. LOVE THIS!
    I haven’t had a roommate since college because all of my studio apartments have actually been cheaper than splitting anything with my friends. I’ll happily forgo TV, a dishwasher, a microwave, in unit utilities, etc. to be able to go out with my friends and still throw crazy amounts of money toward debt.
    You just have to pick your thing and commit. I love going out on adventures with my friends much more than I value a nice apartment!

  23. I’m the same with my home. People are always like “Why don’t you decorate your place? You should have more pride in your home” But honestly i don’t care what my place looks like as long as its clean and tidy (which is a lot easier when you have less stuff).

    I don’t so much eat out as order in (mostly pizza), but thats why cheap Tuesday (don’t know if that’s a thing in the U.S.) was invented so you can get pizza or go to the movies etc. on a budget. Plus with left overs you can often get 2 meals out of one.

    My big expense though is definately running. Yes running is free however, races, clothes, shoes, running gadgets etc. are not and can get really expensive. Luckily for me my birthday was two weeks ago and I managed to recieve $300 worth of vouchers for the two local sporting stores (my friends/family know me so well)! I’m going to save them for the boxing week sales to get to get even more for my moneys worth.

    • Hmm, we don’t have “cheap Tuesday” but most places have happy hour specials or reduced prices on certain days. Takeout is great for leftovers, as is eating out (I always split big portions in two immediately so I can have it twice and not stuff myself!).

      It’s great that your thing is running! Sure, running can be free, but racing and quality athletic gear is important to you! Do your thing πŸ™‚

  24. Oh Erin, you made me laugh as usual πŸ™‚

    As in most things in life, if other people don’t do things the way they would do it, they’re doing it “wrong”. People have different priorities, it doesn’t make one person right or wrong, just different.

    And I agree that having pets (even though I have them) and kids aren’t a great idea when in debt, so I’m trying my damnest to get out before having a baby. Great post!

    • Thanks, Morgaine! I don’t judge people who have pets and kids while in debt (although I do feel it would be more stressful!), just like I would hope they wouldn’t judge me for eating out. I think everyone should have some money to put towards whatever is important to them, even when they have debt! It will just likely be less than those without debt πŸ™‚

  25. Love this and LOVE eating out. But I have to admit, I could afford to cut back. I’m waaay over the twice a week mark.

  26. I consider toilet paper non-essential. Instead, I save my corn cobs (sometimes from restaurants) and do it pioneer style.

  27. I don’t eat out much because I hate how huge proportions are. I eat like a bird so I usually end up eating the leftovers for lunch and dinner the next 2-3 days! While I wouldn’t compare kids to burritos, to some, dining out is a hobby. Doing things we enjoy keeps us sane.

  28. This may annoy people, but I am totally on the same page as you about kids. If I do have a kid within the next 7 years, it will definitely not be planned by any means. My wife and I are honestly borderline on whether we should even have kids, but we’re also in our 20s so that might change. A little off topic but kids are definitely not “necessities” per se.

    I’m also on the same page as you about going out to eat while in debt. I definitely will continue to go out to eat at least once a week (and usually more) despite the fact I’m in debt. Sure, it’s not necessary but it’s honestly not that much money compared to some other things which you pointed out.

    • Kids are definitely not necessities! I have no problem with people who have kids while in debt, that’s their choice. But I have made the choice to eat out regularly, so hopefully they respect that as well πŸ™‚

      We likely won’t have kids while we’re in debt (not on purpose at least!). It is just a huge financial commitment and I can imagine the stress would be huge. I can stop eating out if I need to, but you can’t stop feeding and clothing your kids!

  29. I busted out laughing when I read this! I think that people forget about the concept of balance. Balance represents itself differently for each person. I don’t own a car. I use public transportation (for free!) The money I don’t use on a car I use for travel and FOOD!!! The last time I ate out it was a 5 course meals with drink pairings. Obviously that’s not cheap. I don’t eat fast food-I eat slow food πŸ™‚ Some people would say that it’s crazy to spend what I do on a couple of meals a year. But, if you were to quantify the number of fast food meals other people eat vs. my 3-5 high end meals a year it would probably end up being more than what I spent. Still, people would react more strongly to the cost of my meals. Do what you want Erin-it’s your money.

    • That’s the thing, people don’t think “oh, maybe they are forgoing some of the things I have”. I live in a 400 square foot apartment without furniture, a TV, or a microwave. Hell, I don’t even have a garbage disposal (which sucks, by the way). And I do this gladly in order to eat out and drink in πŸ™‚

      I want to go out to eat with you! Your meals sounds amazing!

  30. This whole post made me laugh! My thing is dancing – all types but mostly swing dancing. No one better tell me not to spend money on dancing.

    • That’s awesome! What a cool thing to spend your money on πŸ™‚

    • hear hear! I spend my extra money on dancing too πŸ™‚ Used to be swing for many years (cheapest dance ever, I swear! usually less than $10 admission to dance for hours AND have a lesson?! AWESOME!)
      Now I take K-Pop classes which work out to over $15 per one hour class……but it’s still great fun and a good change!

  31. I’ve gotta say, this was an interesting post to say the least. I do eat out. Although, I’m in a position financially where I can afford to do so and still save a hefty chunk of my monthly income. I don’t have a kid so, burrito schmito! Thanks for the great read!

  32. Going out to eat is definitely one of my financial luxuries, too. I cook and eat home about 80% of the time, so sometimes, I just want to splurge on a nice dinner out or on food I can’t make myself. Sorry I’m not sorry!

  33. Now I have read everything. Sometimes I just have to grit my teeth when I read the ramblings of these millennials. You rack up a boatload of foolish debt and then compare a child to a burrito? But hey, everyone has to grow up sometime and maybe these entitled young people will someday too. (hopefully)

  34. LOVE LOVE LOVE THIS! My “thing” is CrossFit. Yes, it costs $75 a month, but I cut eating out and tons of other things because it helps to keep me sane and I don’t feel that indulging yourself in one thing (especially if you are already cutting out tons of other things to save money for loans) will kill you.

    Actually, it won’t kill you. I am alive and breathing as I write this post.

    And good choice on Chipotle. Have you tried their honey cilantro salad dressing? It changed my life.

  35. Dude, my dog may be the best ever but the best ain’t cheap! Seriously, the dog walker (yep, because she can’t hold it 9 hours and neither can I so I don’t judge) costs $325 a month and that’s a bargain. I could eat Chipotle every day for that. Food is another $45 plus treats. Vet visits… I bet I spend $500 a month total. I don’t judge your eating / drinking habits unless you can’t pay off your monthly charges.

  36. I eat out A LOT and I won’t apologize for it! Chipotle is theeeee best! I like to think of it as paying for convenience because damn it, I suck at cooking!

  37. This, in a word, is HILARIOUS. Love it. Every word of it. And now I want a burrito! (The non-human kind, of course.)

  38. I used to eat out quite a bit and I never felt guilty about it. Now I cook a bit more and I like it – especially the saving money part, but I can live without the dishes. People always feel the need to make comments about my eating out and I always tell them “Mind your own business, it’s not your money!” Great post Erin.

  39. Eating out is our vice (we don’t drink, don’t go clubbing, don’t have expensive hobbies). Usually we eat out once a week, though with our lives in flux it’s been a lot more than that over the past month!

  40. Hahaha… quite possibly my favorite post you’ve ever done. Maybe second to you being a hermit πŸ™‚

  41. Buy stock in Chipotle and then you can say you’re getting a little of that money back in gains and dividends. ;] Plus, from the last time I heard, Chipotle actually does really well.

  42. Frugality/FI/ERE is not a one-size-fits-all recipe (pun intended).

    That said, we almost never eat out for two reasons: eating out with kids is dumb and I’m a good enough cook that I can outcook pretty much any restaurant that we can afford. So what’s the point?

    We have a few benefits: wife works in the spice industry so we get free, high-quality spices and blends. We live within easy biking distance of two quality butchers. Our area has several grocers that give even ALDI a run for their money for staples.

  43. I spend more on travel than many spend on rent. After traveling so much, which means eating out 3 meals a day, I am happy to go home an hibernate, so we rarely go out when home. I also started cooking a lot because I don’t like the local restaurant’s quality for the price/experience provided so we are better at home, but I think everyone should have one category where they are free to spend what they please. Now if you eat out AND travel, AND go crazy with clothes, AND… then there may be a little problem.

  44. Ahh love it! Eating out is my thing too. I’m excited to start following your blog!

  45. lol! I’m one of “those bloggers”, but I have to hand it to ya. Those are some pretty solid arguments.

  46. I guess I don’t have a problem with people eating out, and you are right that people just have different priorities. I personally cook a lot (I enjoy eating out too but I just chose to cook so I can save the money to spend on traveling and save for retirement) However – if their priority is eating out instead of feeding their kids and saving for retirements, then don’t complain that they have to live in an apartment or they can’t afford other ‘nice stuff’. It’s all about your choices and it’s simple Econ 101 – people have limited resources but unlimited wants. And I don’t have kids, so I am totally with you on that – again, however, if they chose to have kids and have kids, it is their RESPONSIBILITY to feed and cloth them (and educate them and raise them the right way – raising a kid is not just putting food on the table). It’s not a matter of priority.

  47. YES. Thank you for this. I also, too, as well, prioritize eating out. I don’t buy new clothes, I drive a ten year old car, I live in a one bedroom apartment. But I love me some hot and sour soup and some seafood tapas.

  48. Absolutely spot on. At 57, I’m older than most of your readers and only finished paying off my student loans 5 years ago. This is in spite of foregoing most of what the upper middle classes (my in-laws, for example) consider essential….a house in the suburbs, 2 cars, “good” china, cruises, etc. It just worked out that way. Had a decent job after graduation in the late ’70’s, got pregnant, had son # 1, then first husband died and I was seriously strapped for $$ for several years. We bought second hand, took donations, sold the TV and some of the (seldom used) wedding swag, I gave up going out of course, and other 20 something splurges. But I never for a moment considered selling guitar or music collection or giving up throwing dinner parties. The dinner party menus got more modest (spaghetti without meatballs, eg) and potluck became a godsend, but keeping in touch with my friends and having some adult social life kept me sane and helped me through a tough time emotionally . And having music in our lives was so important to me and my son. When I remarried 5 years later, my husband had just graduated from law school and worked for legal aid for not much dough, but he loved the work, we were happy, and decided we’d rather live modestly, pay off our debts & have peace of mind and the freedom, when the debts were paid off, to spend our money as we’d like. So we’ve never had a mortgage or designer clothes, but we spent a year in Spain and Italy when our kids (3 boys) were young, traveling, eating great food, drinking great wine, looking at incredible art, meeting life long friends and learning new languages! Both our families criticized us mercilessly about how we were depriving our kids of stability (translation: a house in the suburbs) and setting a bad example. Still remember MIL scolding us for “wasting” money on music lessons for oldest son when, according to her, we “had nowhere to live”. FYI, we were renting a 3 BR house in a nice neighborhood, but since we didn’t own it, it didn’t count! We don’t regret a day of it. I do regret the student loans, however. Not the education, but the debt. If I had to do it over, I’d go to a state university and it would have been paid off so much sooner. My parents were very big on “name” brands, even for schools, so Ivy League was the only way for them.

  49. If a person who isn’t in debt but must be frugal or if a person who is on track on paying it off, I would 100% agree. If a person if a person who is on track on paying it off, (ie not late on payments, etc) I would 98% agree. It’s your money, so you can eat out if you want to.

    However, when that is not the case, it’s *not* his money. That money belongs to someone else, no matter where it came from. I’m not saying that eating Chipotle twice a week is outrageous, but I get the principle. So it makes sense why it would irritate others if you’re buying burritos, (following your example) or any other luxury good, when that money should be going to the owner of the money.
    If someone owed me money, but kept putting it off, I would furious if I saw him buy jewelry, a new phone, or whatever. Banks aren’t any different. (And while you can argue that banks have a lot of money and etc, that doesn’t change who the rightful owner is.)

    • I have never made a late payment and I always pay more than the minimums (to get rid of it faster!). I would never ever suggest not making the payments because you are absolutely right — they are owed to the bank. But extra money is mine to do with what I please πŸ™‚

  50. Love this post! It’s true that there are a number of things that we treat as needs, that are actually wants. I’ll never look at a burrito the same way again. πŸ™‚

  51. Came here from Making Sense of Cents: OMG, I love this! And I love going out to eat. Fast food, sit down restaurants, I love it all. I don’t do it as much now, since I’m trying to eat healthier, and the boyfriend is not big into eating out. Although we did find an inexpensive Vietnamese restaurant that we both love. He’ll sometimes give me shit if he finds out I got fast food during the day. I always respond that I eat junk, he stops after work for beers. Neither one of us is angels. I don’t give him shit about his beers, he just needs to get over it!

  52. TechCowgirl says

    Here’s another way to look at eating out people may not have thought about. I live on a super tight budget, and off-grid, an hour away from my work. So 2 hours a day I’m in the car commuting. By the time I get home to the RV park, it’s pretty late to be cooking in the kitchen and I’m usually too tired! So we eat out, a lot. Most of the time we go through a drive through for fast food, so maybe 10 minutes to order and get the food and another 10 to eat it which is usually while driving. Only on the weekends do we go into a restaurant for a cheap brunch buffet and spend a good amount of time there using the internet or talking with people. So we spend about 10 minutes per day getting dinner which is close to an hour a week, vs say 30-45 minutes per day to prep a meal at home. Over a month it adds up to alot of time saved we can do other things of more value than food prep. When we grocery shop for breakfast & lunch type items, we tend to get things that can either be heated up in the car (we bought truckers’ appliances with 12v plugs: crock pot, stove, kettle, frying pan), or at work/school in the microwave. Maybe one day a week we’ll cook something at home if we aren’t commuting somewhere. The trade off between more time gained for other activities is well worth the practice of eating on the go at fast food places, because our time is definitely worth a good amount of productivity.

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