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The Financial Toll of Special Diets

September 29, 2010 By Shane Ede 6 Comments

wheatSpecial diets (unlike regular old diets like Nutrisystem, Weight Watchers, or even simpler ones like the Slow Carb Diet) are almost always a result of some sort of food intolerance or disease.  Lactose intolerance requires that the afflicted person refrain from milk and dairy product that contain lactose.  Of course, there are milk and dairy replacements.  You can buy soy milk or almond milk, for instance, to replace the commonly used cows milk.  The difference is cost.

Another special diet is the gluten free diet.  Gluten is one of the building block proteins in grass grains like wheat, rye, and barley (and others).  Stop for a second and think about that.  Do a mental assessment of your pantry.  How much of that stuff has one of those grains in it?  Now, add about 20% or so, because much of it that you wouldn’t think has those grains (or their by-products) in it, does.  Soy sauce?  Wheat.  Soup?  Wheat flour for thickening.  Seasoning mixes?  Wheat flour.  There are replacements for almost all of those things.  And, again, the main difference is cost.  (well, some flavor too, but that’s another topic for another day.)

It’s how much?!?

How much of a price difference are we talking?  Around here, a gallon of 1% fat cows milk costs about $3.50.  On Amazon, right now, you can buy an 18 pack of 8.25 ounce Silk Soy Milks for $20.  Let’s compare ounce for ounce.  The cows milk costs about $0.028 per ounce.  ($3.50/128 ounces)  The soy milk?  $0.135 per ounce.  ($20/148.5 ounces)  That’s a difference of over $0.10 an ounce.  There’s 128 ounces in a gallon.  How many gallons of milk do you and your family use in a given week or month?  If you want to talk about gluten replacements, the average price for a loaf of gluten free bread is about $6.  I bought wheat bread at the store the other day for $1.29! Pasta is just as bad.  A package of gluten free spaghetti is usually about $3-5.  The wheat stuff can be found, on sale, for about $0.25-$1.00 for an equivalent size package.

Budget Breaker

It doesn’t take an accountant to add that up and figure out how much of a difference in your finances a special diet can make.  Or, how much of a skewing factor it plays in a budget.  Suddenly, your budget for food has to be quite a bit higher than it used to be.  And, of course, the financial toll is that it sucks up funds that could easily be used for something else should the diet not be necessary.

Planning for the Extra Cost

If you have to eat a special diet, you probably know the added cost that it adds to your budget.  But, what about someone just venturing into a special diet?  How do you budget for the extra cost?  You can either do your research and get a really good idea of what it will cost, or you can just leave yourself a very nice cushion until you know for sure.  Researching is probably the more likely choice, I would think.  Take a look on Amazon and see what some of the replacement items will cost.  Compare to what you normally buy.  That should give you a rough guess as to how much your costs will increase for certain items.  Using your normal expenditure as a starting point, you can then make an educated guess as to how much you should budget for in the coming months as you begin your special diet.

Eat Fresh

Another way to offset some of the cost is to eat more fresh food.  Adding more fruit and vegetables into your diet won’t increase your cost any more than the new special diet food and will likely make you healthier for it.

Photo Credit: wheat by sky_mitch

Filed Under: General Finance, Home, Saving, ShareMe Tagged With: celiac, gluten, gluten free, lactose, special diets

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The Value of Accountablility

September 15, 2010 By Shane Ede 9 Comments

We can all talk about doing the right thing with our finances all day long.  We can talk about making a budget, spending according to that budget, and living a frugal financial lifestyle.  But, none of that makes any difference if we don’t walk that walk.

Sometimes, we can’t do that on our own.  Sometimes it takes a wife, parent, sibling, or a friend to hold us accountable for our actions and for our progress towards our goals.  Accountability has an incredible value to you.  Some will quickly scoff and attribute a negative value to it, but it really isn’t a negative thing.  And many who would scoff at it are merely afraid to accept any accountability for fear that they will be found failing.

The value of accountability is in it’s ability to push you towards your goals.  If you set goals but there is no one who knows them and can hold you accountable, then there is no one (aside from yourself) who knows if you’ve failed.  That’s safe for you, as failure isn’t usually something that we want publicized.  But, it’s also bad for you.  It makes it easier to fail.  It makes it easier to simply move on from a failure and not learn from it.

Accountability won’t make you succeed.  You’ll still need to do the footwork towards meeting your goals.  What accountability does is give you that extra support from those that are holding you accountable towards making your goals.  Don’t think of it as someone waiting for you to fail, or someone who is just waiting to rub in a misstep.  Instead, think of those who hold you accountable as people who want you to succeed.

You should want to be held accountable.  Search out those around you who truly want you to be healthy, and want you to succeed.  Let them in on your goals and the steps that you are taking to making your goals happen.  They’ll gladly help you and act as a positive force for your goals.  Don’t be afraid of being accountable.  Embrace it.

Filed Under: Guru Advice, ShareMe Tagged With: accountability, goals

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