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Is It Cheaper to Cook at Home or Eat Out? Save Up to $6,000 This Year

cook vs eat out

Why Is Fast Food So Expensive Now? The $11.50 Reality

If you're wondering why your McDonald's order costs so much these days, you're not alone. The average fast food combo meal in America now costs $11.50, with some cities seeing prices as high as $14.

How Much Has McDonald's Increased Prices Since 2019?

Menu Item 2019 Price 2025 Price Increase
Big Mac Combo $8.19 $11.29 38%
2-Cheeseburger Combo $5.59 $11.19 100% (doubled!)
Quarter Pounder Combo $7.99 $12.49 56%

The 2-cheeseburger meal that cost $5.59 just six years ago now costs $11.19. That's why 78% of Americans now consider fast food a luxury, not a budget option.

How Much Does the Average American Spend on Food Per Month?

What Does Grocery Shopping Really Cost in 2025?

According to USDA data, here's what Americans actually spend on groceries:

How Much Should I Budget for Groceries Per Month?

Household Size Low-Cost Plan Moderate Plan Liberal Plan
Single Person $318–$366 $386–$458 $458–$571
Couple $636–$732 $772–$916 $916–$1,142
Family of 4 $1,076 $1,326 $1,656

But here's what most people don't know: these numbers don't include food waste.

How Much Food Does the Average American Waste?

The average American family throws away $2,913 worth of food per year. That's $243 per month going straight into the trash. When you add this waste to your grocery bill, the real cost of home cooking jumps from $4.31 to $4.98 per serving.

Is HelloFresh Cheaper Than Grocery Shopping? A Real Cost Comparison

Are Meal Kits Worth It for Saving Money?

Many people assume meal kits are expensive, but the math might surprise you. Here's the actual cost breakdown:

Is EveryPlate Cheaper Than Groceries?

Meal Option Base Cost Hidden Costs Real Cost Per Serving
Grocery Shopping $4.31 +$0.67 (waste) $4.98
EveryPlate $6.00 +$0.69 (shipping) $6.69
HelloFresh $9.99 +$0.69 (shipping) $10.68
Blue Apron $11.00 +$0.69 (shipping) $11.69
 

The surprising answer: Budget meal kits like EveryPlate cost only $1.71 more than grocery shopping when you factor in food waste. For many people, that $1.71 is worth it to avoid planning, shopping, and waste.

Which Meal Kit Is the Cheapest?

Cheapest Meal Kit Services Ranked by Price:

Rank Service Price Per Serving Best For
1 EveryPlate $4.99–$6.00 Budget-conscious families
2 Dinnerly $4.99–$6.99 Simple, quick meals
3 HelloFresh $9.00–$12.49 Variety and convenience
4 Home Chef $9.99–$11.99 Customizable meals
5 Blue Apron $7.99–$12.89 Gourmet cooking
 
 

What Is the Cheapest Way to Feed a Family of 4?

How Can I Feed My Family for $100 a Week?

Yes, you can feed a family of four for $100 per week. Here's exactly how:

$100 Weekly Meal Plan for Family of 4:

Day Meal Cost Servings
Sunday Batch cook chili + spaghetti sauce $31 20 servings
Monday Beef chili with cornbread $8 From Sunday
Tuesday Spaghetti with meat sauce $10 From Sunday + pasta
Wednesday Chicken and rice casserole $6 Fresh cooked
Thursday Leftover chili $0 From Sunday
Friday Tacos with ground beef $12 Fresh cooked
Saturday Leftover spaghetti $0 From Tuesday
Breakfasts Eggs, oatmeal, toast $15 28 servings
Lunches Sandwiches, leftovers $18 28 servings
Total Full week of meals $100 All meals

 

Is H-E-B Cheaper Than Walmart? Complete Texas Grocery Store Comparison

H-E-B vs Walmart vs Kroger: Which Is Actually Cheapest?

For Texas shoppers, H-E-B is often the go-to store. But how do prices really compare?

Texas Grocery Store Price Comparison (Common Items):

Item H-E-B Brand Walmart Kroger
Ground Beef 80/20 (lb) $5.69 $5.98 $6.49
Boneless Chicken Thighs (lb) $3.12 (HCF) $3.99 $4.49
Milk (gallon) $3.79 $3.78 $4.29
White Bread $1.48 $1.42 $1.99
Eggs (dozen) $3.49 $3.48 $4.19
Kidney Beans (can) $0.92 $0.88 $1.19

 

The H-E-B Advantage: Hill Country Fare (HCF)

H-E-B's secret weapon is their Hill Country Fare (HCF) brand - their budget line that's even cheaper than regular H-E-B brand:

H-E-B Brand vs Hill Country Fare Savings:

Product H-E-B Brand Hill Country Fare Savings
Chicken Thighs (lb) $4.99 $3.12 $1.87 (37%)
Sour Cream (16 oz) $2.48 $1.88 $0.60 (24%)
Mozzarella (8 oz) $2.98 $1.97 $1.01 (34%)
Cream of Mushroom Soup $1.00 $0.70 $0.30 (30%)

 

Pro Tip: Shopping exclusively Hill Country Fare can cut your grocery bill by 30-40% compared to name brands.

When to Shop H-E-B for Maximum Savings

H-E-B Combo Loco Deals:

  • Weekly rotating deals on meat + sides
  • Example: Buy pork shoulder, get free tortillas and salsa
  • Typically saves $5-8 per combo

H-E-B Digital Coupons:

  • Load to your H-E-B app
  • Stack with sale prices
  • Average savings: $15-25 per trip

Best Days to Shop H-E-B:

  • Wednesday: New weekly ads start
  • Tuesday: Senior discount (55+) - 5% off
  • Sunday morning: Best meat markdowns
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How to Save Money on Groceries: 10 Ways That Actually Work

1. How Do I Stop Wasting Food and Save Money?

Track Your Waste for One Week:

  • Put a notepad on your fridge
  • Write down everything you throw away
  • Add up the dollar value
  • Average family wastes $56 per week

2. Should I Buy Generic or Name Brand?

How Much Can You Save Buying Store Brands?

Item Name Brand Store Brand Savings
Pasta sauce (24 oz) $3.99 $1.48 $2.51
Cheese (8 oz) $3.98 $1.97 $2.01
Cereal (12 oz) $4.99 $2.49 $2.50
Yogurt (32 oz) $4.99 $3.24 $1.75
Total for 4 items $17.95 $9.18 $8.77

 

Switching to store brands can cut your grocery bill by 30-50%.

3. What Day Is Cheapest to Buy Groceries?

  • Wednesday: New sales start at most stores
  • Tuesday: Many stores offer senior discounts
  • Sunday: Worst day (highest prices, picked-over sales)

4. Is Buying in Bulk Really Cheaper?

When Bulk Buying Saves Money:

  • Non-perishables (rice, pasta, canned goods)
  • Frozen vegetables and meat
  • Paper products and cleaners

When It Doesn't:

  • Fresh produce for small families
  • New foods you haven't tried
  • Anything you won't use within expiration date

Is Costco or Sam's Club Worth It for a Family?

Warehouse Club Membership Cost Analysis

Annual Membership Costs:

  • Costco: $60 (Gold Star) or $120 (Executive with 2% back)
  • Sam's Club: $50 (Club) or $110 (Plus with 2% back)
  • BJ's: $55 (Club) or $110 (Club+)

How Much Do You Need to Spend to Make It Worth It?

Costco Savings Breakdown:

Item Costco Price Regular Store Savings Per Purchase
Chicken Breast (6 lbs) $18 ($3/lb) $32.94 ($5.49/lb) $14.94
Ground Beef (5 lbs) $19.95 ($3.99/lb) $29.95 ($5.99/lb) $10.00
Eggs (5 dozen) $11.99 $19.95 $7.96
Milk (2 gallons) $6.99 $7.98 $0.99
One Trip Total $56.93 $90.82 $33.89

 

The Verdict: If you shop once a month, you'll save about $400/year, easily covering the membership fee. But there's a catch...

The Hidden Cost of Bulk Buying

When Costco ISN'T Worth It:

  • Singles or couples (too much spoilage)
  • No freezer space
  • Live far from warehouse (gas costs)
  • Impulse buyers (those samples add up!)

When It IS Worth It:

  • Family of 4+
  • Have chest freezer
  • Meal prep regularly
  • Split with another family

Meal Prep Ideas to Save Money: The Best Batch Cooking Recipes

What Meals Can I Make Ahead and Freeze?

Best Freezer-Friendly Batch Cooking Meals:

Meal Servings Total Cost Cost Per Serving Freezer Life
Beef and bean chili 8 $12.83 $1.60 6 months
Bolognese sauce 12 $18.15 $1.51 4 months
Pulled pork 10 $18.22 $1.82 3 months
Lentil soup 8 $7.03 $0.88 6 months
Lasagna 8 $21.00 $2.63 3 months
Cottage pie 6 $11.34 $1.89 3 months
Chicken tikka masala 6 $10.19 $1.70 3 months

 

How Do I Start Batch Cooking for Beginners?

Simple 3-Hour Sunday Batch Cooking Plan:

  • Hour 1: Start slow cooker pulled pork, begin chopping vegetables
  • Hour 2: Make big pot of chili while pork cooks
  • Hour 3: Portion everything into containers, clean up
  • Result: 18-20 meals ready for the week at about $1.50 per serving.

The Complete H-E-B Batch Cooking Shopping List

Proteins (Buy on Sale and Freeze):

  • H-E-B Ground Beef 80/20: $5.99/lb (often on sale for $3.99)
  • HCF Chicken Thighs: $3.12/lb
  • H-E-B Pork Shoulder: $2.99/lb (watch for $1.50/lb sales)
  • H-E-B Dry Lentils: $1.92/bag

Canned Goods (Stock Up During Sales):

  • H-E-B Kidney Beans: $0.92/can
  • H-E-B Black Beans: $0.92/can
  • H-E-B Pinto Beans: $0.67/can
  • H-E-B Crushed Tomatoes: $1.48/can
  • HCF Tomato Sauce: $0.98/can

How to Eat Healthy on a Budget

What Are the Cheapest Healthy Foods?

Cost Per Serving of Healthy Proteins:

Protein Source Price Protein (g) Cost Per 20g Protein
Dried beans $1.92/lb 21g/serving $0.37
Lentils $1.92/lb 18g/serving $0.43
Eggs $3.99/dozen 6g/egg $0.44
HCF Chicken thighs $3.12/lb 26g/serving $0.48
Canned tuna $0.99/can 20g/can $0.99
Greek yogurt $3.24/32oz 15g/serving $0.86

 

Cheap Healthy Meal Plan ($50/Week for One Person)

Monday-Friday Healthy Budget Meals:

Meal Ingredients Cost Calories Protein
Breakfast Oatmeal + banana + peanut butter $0.85 400 12g
Lunch Lentil soup + whole wheat bread $1.50 450 20g
Snack Greek yogurt + honey $0.75 150 15g
Dinner Chicken thigh + rice + frozen veggies $2.25 500 35g
Daily Total Balanced nutrition $5.35 1,500 82g

 

Is Cooking at Home Really Cheaper Than Eating Out?

The Real Cost Comparison Nobody Talks About

True Cost Per Meal for Family of 4:

Option Cost Per Meal Weekly Cost (7 Dinners) Monthly Cost Yearly Cost
Fast Food $46.00 $322 $1,288 $15,456
Restaurant $75.00 $525 $2,100 $25,200
Meal Kits $26.76 $187 $748 $8,976
Groceries (with waste) $19.92 $139 $556 $6,672
Smart H-E-B Shopping $12.00 $84 $336 $4,032
Batch Cooking $6.40 $45 $180 $2,160

 

The difference between fast food and batch cooking for a family: $13,296 per year.

How to Eat Keto on a Budget

Cheapest Keto Foods at H-E-B

Budget Keto Shopping List:

Food H-E-B Price Carbs Why It's Great
Eggs (18 count) $3.99 1g each Versatile, cheap protein
HCF Chicken Thighs $3.12/lb 0g Cheaper than breast, more fat
Ground Beef 80/20 $5.99/lb 0g Perfect fat ratio for keto
H-E-B Butter $3.99/lb 0g Cooking and fat bombs
Cheddar Cheese $1.97/8oz 1g/oz HCF brand saves 50%
Cauliflower $2.99/head 5g/cup Rice and mash substitute
Spinach $2.49/bag 1g/cup Bulk up any meal
Avocados $0.88 each 2g net When on sale at H-E-B

 

Sample $40 Weekly Keto Menu

Monday-Sunday Keto for Cheap:

  • Breakfast: Scrambled eggs with cheese (7 days): $7
  • Lunch: Chicken thigh salad (7 days): $14
  • Dinner rotation: Beef patties, chicken, pork: $16
  • Snacks: Cheese, boiled eggs: $3
  • Total: $40/week or $5.71/day

How Much Should a Single Person Spend on Food Per Month?

Why Does Food Cost More for Single People?

Single people pay an 18% "single person penalty" on groceries because:

  • Can't buy in bulk (food spoils)
  • Smaller packages cost more per ounce
  • Higher waste percentage

Best Money-Saving Strategies for Singles:

Strategy Monthly Cost Savings vs Regular Groceries
Regular grocery shopping $366 $0
Meal kit + batch cooking combo $216 $150/month
All batch cooking $180 $186/month
H-E-B meal deals + planning $195 $171/month
Fast food $690 -$324/month (costs more!)

 

The Single Person H-E-B Strategy

Shop H-E-B Meal Deals:

  • $5 rotisserie chicken (makes 3-4 meals)
  • $3 Meal Simple options (when on sale)
  • Combo Locos for variety

Use H-E-B Bulk Wisely:

  • Buy family pack meat, freeze in portions
  • Split 5lb potato bags with a friend
  • Focus on frozen vegetables (never spoil)

Cheap Protein Sources for Bodybuilding on a Budget

How to Get 150g Protein Per Day for Under $10

Cheapest Protein Sources Ranked:

Source Cost Per Day for 50g Protein Quality
Whole eggs (8) $1.77 Complete
HCF Chicken breast $2.75 Complete
Protein powder $2.00 Complete
Lentils + rice $1.25 Complete combo
Greek yogurt $2.50 Complete
Canned tuna $2.97 Complete

 

Budget Bodybuilder Daily Meal Plan:

  • Breakfast: 4 eggs + oatmeal = 30g protein ($1.20)
  • Post-workout: Protein shake = 25g ($1.00)
  • Lunch: Chicken breast + rice = 40g ($2.50)
  • Snack: Greek yogurt = 20g ($0.80)
  • Dinner: Lentils and ground beef = 40g ($2.25)
  • Total: 155g protein for $7.75

How Can I Feed My Family for $200 a Month?

The Extreme Budget Challenge: $200 for Family of 4

This requires discipline but is possible. Here's how:

Week 1 Shopping List ($50):

  • Rice (10 lbs): $7.50
  • Dry beans (5 lbs): $9.60
  • Pasta (5 boxes): $5.00
  • Potatoes (10 lbs): $4.54
  • Ground beef (2 lbs on sale): $8.00
  • Eggs (18): $3.99
  • Milk (1 gallon): $3.99
  • Bread (2 loaves): $2.00
  • Peanut butter: $3.48
  • Oatmeal: $1.90

Weekly Meal Rotation:

  • Breakfast: Oatmeal or eggs daily
  • Lunch: PB sandwiches or leftovers
  • Dinners:
    • Monday: Bean and rice bowls
    • Tuesday: Spaghetti with meat sauce
    • Wednesday: Baked potatoes with toppings
    • Thursday: Fried rice with eggs
    • Friday: Bean and beef chili
    • Saturday: Pasta with butter and herbs
    • Sunday: Batch cook for the week

Critical Rules for $200/Month Success:

  • No processed foods
  • No drinks except water and milk
  • Shop only sales with H-E-B app
  • Use every single scrap
  • Grow herbs on windowsill
  • Make bread if possible (flour is cheaper)

Free Food Resources: Where to Get Help When Money Is Tight

Food Banks and Pantries

How to Find Food Banks Near You:

  • Call 211 (nationwide helpline)
  • Visit FeedingAmerica.org
  • Check local churches (no membership required)
  • School districts (for families with kids)

What to Expect at a Food Bank:

  • Usually once per month visits allowed
  • Bring ID and proof of address
  • No income verification at most
  • Average provides 3-5 days of food

Government Programs You Might Qualify For

SNAP Benefits (Food Stamps):

  • Family of 4 can get up to $973/month
  • Single person can get up to $291/month
  • Apply online at YourTexasBenefits.com

WIC (Women, Infants, Children):

  • For pregnant women and kids under 5
  • Provides specific foods free
  • Includes formula if needed

School Meal Programs:

  • Free breakfast and lunch
  • Summer meal programs
  • Weekend backpack programs

How to Use Coupons for Beginners

Digital Coupons: The Easy Way

H-E-B Digital Coupons:

  • Download H-E-B app
  • Create account with phone number
  • Click "Coupons" and add to account
  • Enter phone number at checkout
  • Save $15-30 per trip average

Manufacturer Apps to Download:

  • Ibotta: Cash back on receipts
  • Checkout 51: Weekly offers
  • Fetch: Points for any receipt
  • Rakuten: Online grocery cashback

The 3-Step Coupon Strategy

  • Plan Around Sales:
    • Check H-E-B weekly ad on Tuesday night
    • Match coupons to sale items
    • Buy extra of non-perishables on deep discount
  • Stack Savings:
    • Store sale + digital coupon + Ibotta = 70% off possible
    • Example: Pasta on sale $1, coupon $0.50, Ibotta $0.25 = $0.25 final
  • Stock Up Rules:
    • Only buy 6 months worth maximum
    • Track expiration dates
    • Store properly to prevent waste
Is It Cheaper to Cook at Home or Eat Out? Save Up to $6,000 This Year

Is it cheaper to cook at home or eat out? We break down the real costs. See how meal prepping and smart shopping can help you save up to $6,000 this year.

The truth about food costs in 2025 is simple but shocking:

  • Fast food is now the most expensive option - averaging $11.50 per meal
  • Home cooking only saves money if you minimize waste - the average family throws away $243/month
  • Budget meal kits might actually save you money - when you factor in zero waste
  • Smart shopping at stores like H-E-B can cut costs by 40% - using store brands and sales
  • Batch cooking is the ultimate money-saver - bringing meals down to $1-2 each

Start Here: Three Simple Changes

Change 1: This Weekend

  • Spend 2 hours batch cooking
  • Make chili and pulled pork
  • Save $50 next week

Change 2: Next Grocery Trip

  • Shop H-E-B with a list
  • Buy Hill Country Fare brands
  • Use digital coupons
  • Save 30% instantly

Change 3: This Month

  • Delete food delivery apps
  • Pack lunch daily
  • Track what you save
  • Put savings in separate account

Remember: You don't need to be perfect. Start with one change. Save a little this week. Then a little more next week. Small steps lead to big savings.

The average American family following this guide can realistically save $300-500 per month on food. That's $3,600-6,000 per year back in your pocket.

 

Note: All price data is sourced from H-E-B, Walmart, and major U.S. grocery chains. Prices vary by location. H-E-B prices are specific to Texas markets. Your savings may vary based on local prices and personal habits, so please check the latest prices on their websites.

Author Bio

Keith Huckabay

Keith Huckabay is a highly motivated Marketing Director with over 14 years of expertise in crafting cost-effective solutions across television, print, radio and digital media. His innovative approach and creative design skills consistently deliver measurable results. Keith shares his marketing knowledge to help credit union members grow their businesses. He empowers small business owners with practical strategies and insights, ensuring they thrive and achieve lasting financial success.

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