California E&S Insurance

My Dad grew up in a home that size in a family of 6. The kids were all boys too. Unless it's somehow illegal due to regulations where you live, it can work out. Kids adapt much more easily than adults, and if it's what they grow up knowing, it shouldn't be a big deal to them. The food bill seems higher than it needs to be. I have gotten my monthly food bill down to $30 a month as a single adult male when I'm in save mode. I could have dropped it even more than that, but I had trouble remembering to pre-prep dried beans ahead of time while working 1 full-time job 40h/wk plus a part time job 21h/wk, and had to settle for more expensive proteins. Multiplied by 6, thats $180/mo for food, and your wife and kids likely require less calories than you. I live in SoCal so we should have similar food prices, though yours may be cheaper if you're located near one of the NorCal agriculture centers. Rice goes a long way and is very easy to cook with a rice cooker that you can pick up new for 10 bucks on sale. You might be able to get a cheaper one at a thrift store. If you don't enjoy the taste of "rice" try different strains of rice. Some people hate Chinese long grain but love medium grain Calrose (which is grown in CA and pretty cheap to buy in CA.) Potatoes are also quite the cheap carb, and are quite nutritious. Try to get at least 5lbs per dollar, and look out for the 20lb/dollar sales. If you keep them dry in a dark area, they'll last ages. Bake over boiling if you care about keeping the nutrients inside the food. Beans are an extremely inexpensive source of protein and make a complete meal when combined with rice. Eggs are also a relatively cheap source of protein and are quite healthy for you. Eggs go quite well with both rice and potatoes as well. If you have an Aldi nearby, they often have eggs on sale for under a dollar a dozen when they get a fresh shipment in. It's a good time to stock up. If you want some variety with pancakes, make your own batter. You can make 3 or 4 boxes of pancake mix worth of batter for around a dollar. If you want a snack for a treat, buy some popcorn kernals and make them with some oil in a large pot with a lid. Also, keep in mind that all those studies telling everyone fat is bad for you were sponsored by the sugar industry trying to get commercial food to replace fat with sugar. They've been debunked by the scientific community for years, but the news makes it seem like no one knows for sure since they need 'clickbait' headlines. Trans fat is still terrible for you, but other fats will keep you full. Don't be afraid of butter and vege/canola oil. Even if you only save 200/mo on food instead of the 450/mo you probably could, that's money you can use to pay off the payday loans and credit cards.

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