EDIT June 15 2020: New $1.50/day Youtube Recipes
MAJOR EDIT: 9-6-2020: New nutrition info. Per Essential Amino Acid Research, Females eat 3-5 eggs/day, males up to 7 eggs per day. For Essential Fatty Acids EPA and DHA Take Fish Oil. If you are a believer in phytochemicals/Flavonoids, feel free to eat those in addition to the base $1.50/day recipes.
Based on preliminary data from Food Per Dollar 2020, I have been asked to urgently provide recipes on how to eat for $1.50/day. The recipes below are tools to help you eat toward $1.50 per day.
As a note, our Eating for 3$/day Cookbook can be found here. These are more similar to common cooking and often require less prep, and have more meats.
The recipes in this article will be based on Potatoes, Milk, Flour, Eggs, and Kale. (Honorable mention to Beans and Carrots)
Using our Nutrient Per Dollar study, US Government nutritional recommendations, and linear algebra we solved for the lowest cost foods that hit all nutritional requirements. (As a note this is preliminary as it uses 22 macro or mincronutrients to determine its results)
Preliminary Female age 19-30
Preliminary Male age 19-30
If you are allergic, keto, picky, or vegan, I can calculate a specialized list for you. Please contact me at firstname.lastname@example.org
Note- Some recipes have additional foods (IE- oils, sugars, spices) that can be added for flavor. It may be best to consider spending 1-2$/week on ‘flavor’.
There are lots of recipes, but I wanted to give you an idea what the week looks like.
Our current rotation of dinners (and lunch leftovers) is the following
Monday- Easy Potato and Vegetable dishes: Hashbrowns, mashed potatoes, baked/microwaved potato, Carrots/Kale roasted or fried. (Add salt and oil to make anything delicious)
Tuesday- Homemade Noodle dishes: The cheapest are Bechamel sauce(no butter), oil + fresh pepper(buy fancy peppercorns for $3 and use all year!), carbonara no cheese, and (carrot) vegetable soup. Slight extra- Tomato sauce.
Wednesday- Efficiency-Mexican: Homemade Tortillas/nachos stuffed with pinto/refried beans, fried potato cubes, kale, hot sauce.
Thursday- 2$ Pizza: Homemade Dough, pizza sauce or BBQ sauce, mozzarella(but apparently you can make Mozzarella in 30 minutes, currently experimenting)
Friday-2$ Fried Rice: We deviate and have a rice dish for a Friday dinner. As a bonus it only takes 10 minutes to make. (Recipe in the free Efficiency cookbook minus chicken)
Saturday-Vegetable pot pie. Its so good, recipe below.
Sunday-Fancyish: Pierogies, Gnocchi, Homemade Noodle Pad Thai
Pretty much eggs, toast, and hashbrowns.
This recipe is for 2 people, but we double it for leftovers.
For the roux, add the Roux ingredients to a pan and cook over low-medium heat for ~5 minutes, stirring often. Don’t let it burn, it’s easy to do. Add the rest of the soup ingredients to the pan, heat until boiling and cook for ~20 minutes stirring occasionally.
These are so good, you will forget these are part of the $1.50/day budget. They taste luxury.
Makes 4 Crepes. Recommended flavors- Peanut Butter and Jelly(my favorite), Chocolate(melt kisses in the microwave), Nutella(so expensive, chocolate is cheaper).
Mix well, stand mixers help(Worst case use a fork). Other people say to let it sit 30+ minutes, but its not necessary.
Turn a medium size pan on low heat, when its warm, add 1/4 of the mixture, approx the size of a ladle. Rotate the pan to coat the bottom of the pan. After ~2 minutes it should look cooked. Using a spatula, lift the sides of the crepe before flipping. Flip and let it cook for less than 1 minute, all done. Stuff and fold.
Avoid crisping(unless you like that) on higher temps. Your second crepe will look professional.
Pick your flavor options, salt and oil is basically free-
(protip- stand mixer and noodle maker makes it easy and delicious)
Ingredients, 2 servings-
In a pot-
In a mixing bowl-
Mix eggs, salt, water/milk, and flour until fully combined. It should be sticky enough to combine into one lump. If its runny, add additional flour. If its dry, add water, 1 tbsp at a time.
Lightly flour a cutting board, place the lump on the board. (optional- kneed about 12 times and wait 30 minutes. This is best for making angel hair noodles) Flattening the lump into a thin layer. Most people like thin noodles, so its recommended to use a rolling pin, adding flour as needed. At this point either use a noodle maker, or cut into thin strips. When all the noodles have been cut, put into boiling water for ~2 minutes. Keep an eye on the timer, after 2 minutes, remove from heat. Serve.
NOTE: This recipe has been improved, the old recipe was- 2 eggs, 1 teaspoon salt, 2 Tablespoons milk, 1.5 cups flour.
Pretty basic, but since Efficiency Is Everything, I’ll provide the laziest way. Serves 4-6 people.
You could skin the potatoes, I don’t.
Boil the potatoes. You can use a slow cooker or hit boiling water for ~30 minutes. Poke a fork through to see if its soft. (You could cut them if you needed it faster)
Put this into a mixing bowl, add milk, add salt and begin mashing. We use an immersion blender, but any mashing will work.
Serve! If it doesnt taste good, add more salt and add pepper.
Use some of that mashed potatoes and stuff them into this dumpling.
Start water and get to a boil.
Mix dough ingredients in a mixer. Flour a cutting board and rolling pin. Roll out the dough flat as possible. For ease, it may be best to break it up into a few balls before rolling out. Once flat, use a small bowl to cut circles. We used a Tupperware container.
Fill with mashed potatoes. Close Pierogi, use a fork to seal shut.
When ready, put Pierogis into boiling water for ~3 minutes. Get a different pan hot with oil (medium to high heat). Take boiled pierogis out of the boiling water and into the pan. Brown 1-2 minutes on each side.
This one takes some labor, I recommend putting on a podcast/audiobook and making them in bulk. Freezing for later.
Boil and mash potatoes. Add flour, eggs, pepper, and salt and mix together. We used a stand mixer, the fancy professionals online do this by hand.
Flour a cutting board, and flour your palms of your hand. Put a small lump of the potato/flour mixture on the cutting board, and roll this until you get a ~1cm diameter(tootsie roll size) log. Take a knife a cut every inch. After cutting, roll these into gnocchi shapes. You could use a fork, but they are going to taste pretty similar either way. Now you are ready to either freeze on a baking sheet, or throw into boiling water for ~2 minutes. They will float to the surface of the water when ready.
Serve with spaghetti sauce for best results. See page 49 of the free (eating for 3$/day) Efficiency is Everything Cookbook.
If you freeze, after an hour, take off the pan and put into tupperware or a freezer bag.
This is basically eating eggs, but with flavor. Makes 4 cups of soup.
Get water/chicken broth boiling. Add soy sauce and sesame oil.
Whisk eggs in a separate container. When the water is boiling, add the whisked eggs slowly. After a minute the eggs will be cooked and the soup is ready to eat!
This has the benefit of not needing yeast. Although pretty much any bread you make will be Efficient.
Mix ingredients, we like using a stand mixer, but it isn’t necessary.
Start a pan on low-medium heat. Add enough of the dough mix to coat the pan. The more you add, the longer the cooking time. This usually makes 2-4 flat breads deepening on the size of the pan. After ~2 minutes, you can flip.
You can google other bread recipes, we got a bread maker from the thrift shop for 6$ and have been making loafs of bread since.
Kale is really hard to eat raw, but cooking it with salt and oil makes it as good as McDonald’s Fries.
Tear kale off the stem, put in a pan on medium heat, add a little bit of water (~2 Tablespoons) and cover with a lid. Let cook for 3 minutes.
Once done, take off the lid, add some oil and salt. Cook for another 1 minute and serve.
Since eating for $1.50/day, we found you can substitute chicken out for potatoes surprisingly well. The texture is similar enough.
EDIT August 2020- Improved Pie Crust
Oil Pie Crust-
Set oven to 425F.
Make a roux, and add the roux ingredients to a pan and cook over low-medium heat for ~5 minutes, stirring often. Don’t let it burn, it’s easy to do.
Add the rest of the filling ingredients to the pan, cook until potatoes are soft. If you are looking for some pro advice, Dr. Mandy Kirk says to add the potatoes 5 minutes ahead of the vegetables. Once the liquid starts to thicken, you are ready to fill the pie. More protips- Feel free to add more liquid, milk or water, if the filling is starting to look dry.
The Pie Crust
Mix ingredients, spread a little more than half the dough evenly across the bottom of the pie pan and up the sides and to the edge of the pan.
Take the remaining mixture, flour, a cutting board and rolling pin. Roll out flat.
Add filling. Place top of pie crust on top of the pie as best as you can and trim as necessary. Cut many holes on the top of pie crust.
It doesn’t need to be perfect, it will taste great either way. I added extra salt and fresh grounded pepper upon serving.
Cook in oven for 30-40 minutes @ 425F.
If it doesn’t taste fantastic, add salt. In general potato dishes will need lots of salt.
*Lower cost broth: every cup of ‘broth’ can be replaced by 1/2 teaspoon salt and a pinch of MSG.
This is like Salmon Patties, but with eggs. Thank my Italian Mother. My wife was shocked at how tasty this was.
Suppose you make bread, but don’t like the crust. Let it get stale, and shred into breadcrumbs using a food processor.
Serves 2 or 3
Whisk eggs, then add breadcrumbs. Mix together and let sit for 1-2 minutes.
Get a pan to low-medium heat, add a small amount of oil. Pour 2 patties. Let cook for 2-4 minutes and flip. Goal is to get the patty golden brown. Once both sides are golden brown, you are ready to eat.
Here I’m going to list some foods that are either simple breakfast combos or foods I don’t like. I recommend googling and sticking to Eggs, Potatoes, Flour, Milk, and Kale if possible. Oil is pretty cheap, I don’t feel to bad about adding it.
Bread is great for sandwiches, Toast(breakfast toast with eggs, super efficient!), and making breadcrumbs.
Pick your bread recipe, its going to be efficient as long as you limit yourself to basically Milk, Eggs, and Flour.
We got a bread maker from the thrift shop for $6, its been great. Using that container, we add our yeast, 1 cup warm water, and 3 Tablespoons Sugar(the original recipe said 2 Tablespoons sugar, but I liked it better with 3). Wait 10 minutes.
Add 3 Cups Flour, 1 Teaspoon Salt, and 1/4 cup oil.
Turn on bread maker for fast 1.5lb setting.
After 2-3 hours, bread is ready. I find it difficult to cut at this point, but fluffy and tasty. Once it cools, I store in a bag to be sliced for toast later.
At this point we are just cooking potatoes, but they taste great. You can either cube these or cut into french fry shapes.
(optional- peal potatoes, we don’t.) Cut potatoes into french fry shapes. Thin or thick, you decide.
Heat oil in a pan, medium heat. Add fries to the oil, cook for 2-4 minutes. If you like them soft, try after a few minutes, if you like them crispy, cook longer. They do cook a bit after you remove from the oil.
Remove from oil, salt. Serve.
Mandy has delicate and sophisticated tastes, she craves something and figures out how to make it.
2 Variations here, Salt or Cinnamon Sugar.
Turn on oven to 425 degrees.
Put yeast into warm water, let sit for a minute. Add salt and sugar.
Add the flour. The original recipe suggested adding 1 cup at a time, but they were hand mixing. We use a stand mixer and I’ve found you can add everything, turn on low, and forget it takes no skill.
After mixed, flour down a cutting board, place the dough mixture on the board, kneed the dough for a few minutes, and create small balls, the original recipe said 1/3 cup, but you decide on the size of your pretzels. Roll these balls into a rope shape. Twist into pretzel shape. (If you want it to be perfect, youtube how. It will taste good regardless)
Spray baking sheet pan with non-stick spray/oil.
In a separate bowl, beat an egg. Dunk both sides of pretzel and place on pan. Here is your chance to Salt or sugar + cinnamon.
Cook for 10 minutes, before checking on these. The next step is to broil, but this is the very dangerous step. Broil is a recipe for burnt disaster. You are allowed to leave the oven open and watch the food broil, the heat comes from the infrared rays, not the temperature of the oven. So keep a close eye. Sugar + cinnamon will broil(burn) faster, keep a close eye. Keep a close eye. Broil shouldn’t take more than 5 minutes. Ours only took 2-3 minutes.
These were a great addition to our dinner. As a note they were quite labor intensive, maybe next time we will stick to French Fries. Serve with Ketchup.
Peal potatoes. Cook potatoes to the point you stick a fork through it. Boil/Microwave, you decide. Let cool.
Shred the potatoes, and mix gently with flour, pepper, and salt. You are ready to shape these into tater tot shape.
Heat oil to ~medium heat. Add tater tots. We did ours in multiple batches. The goal is to brown the tater tots, just like you imagine them to look.
As a note, if you want to save on oil, you can roll the tater tots around in the pan after they cook on each side. This is slower, but you decide.
New Additions 6-15-2020
This recipe is great, but you NEED to work on high heat. This means high attention as you can go from Perfect to burnt in seconds.
This works because you do not use a towel to dry the potatoes, saving time and effort. But you need to pay attention.
Use a grater on the largest multi hole setting to create hash brown sized potato shapes.
In a large pan, put hash browns in oil on high heat. More oil= better browning and more calories.
After 1 minute begin to separate hash browns into ~4 distinct quadrants in preparation to flip. After 2 minutes the hash browns should be brown. Flip hash browns. Salt, potatoes needs lots of it. Wait another 1-2 minutes for the other side to brown. Serve (with over medium eggs).
These are better than french fries.
Preheat oven to 425F
Slice carrots to approx finger sized shape, doesn’t need to be perfect. Put carrots into a baking pan, and add generous amounts of (veg) oil and salt. Mix carrots and oil and salt and spread around pan, spacing as evenly as possible.
Bake at 425 for 10 minutes, flip carrots, I use a spatula and do my best.
Bake for another 5 to 10 minutes, check on it. Browning means they are perfect.
Pick a dressing, highly recommend poppy-seed dressing and freshly washed kale. I can’t believe I can eat raw kale, but its happening.
These are fantastic. I warn that there is ~40 minute break as you wait for the bread to rise. These taste great. Original Recipe here– modified for Efficiency.
Mix 1/4 warm water and yeast, let sit 5 minutes. Mix flour, oil, sugar, salt, and 1 1/3 cups warm water into the yeast, we used a mixing bowl for a few minutes.
Kneed dough by hand, ~12 times or until smooth.
Roll into 2 foot long roll, cut every 1.5 inches to make 16. Kneed each and shape into a ~7 inch long breadstick.
Spray baking pan with nonstick spray. Place breadksticks in pan. (We end up using 2 pans on the same rack.)
Wait 45 minutes for the bread to rise. Brush the top of the bread with oil and salt.
Bake 400 degrees, 15 minutes.
After baking, add another round of oil and garlic powder.
This one is being worked on to be a $1.50/day meal. Ideas for improvements- Make your own Mozzarella in 30 minutes, grow your own tomatoes/make your own sauce.
Here is the $2/day recipe:
Start oven at 450 Degree F.
Mix the yeast with the water and sugar, wait 10 minutes.
Add the rest of the ingredients, mix. Flour surface, place dough ontop. Form dough into round ball, flatten into pizza shape.
Add toppings ideas
Personal favorites is to make half the pizza tomato sauce and half the pizza Sweet Baby Rays BBQ sauce + Mozzarella cheese. Its really good. In a homemade Pizza sauce- sugar and salt always taste good. Italian herbs like basil, rose-merry, garlic(powder), thyme. Finally, use a pinch of baking soda to cut down the acidity.
Finally, the garlic crust. Lightly add oil to the crust of the pizza. Top with salt and garlic powder.
Oven 15-20 minutes.
Let sit for 5 minutes, and if you would like- add another layer of oil on the crust. (Don’t compare me to Pizza chains if you didn’t)
Cut into ~8 slices.
Warning, this recipe feeds 6. We enjoy this and want leftovers of variations(think taco-bell 5 ingredients) for leftovers. It takes a while to make the tortillas, so I prepare this in bulk.
Put water and pinto beans in a slowcooker, cook on low for 8 hours. Strain beans into bowl, leaving a 0.5 cups to 1 cups of leftover water for potential use thinning the beans down. Add oil and salt. Use an Immersion Blender($20) or hand mixer, or potentially mash by hand. If its not smooth enough mix longer. Rumor has it, some restaurants mix their beans for 40 minutes. 5 minutes seems plenty for home use.
Cube potatoes. Put oil in a pan on medium heat. (Bonus:- Potatoes cook faster if you cube them small and cook on higher temps. Careful high temperatures Burn quickly)
Flip after a 3-4+ minutes after 1 side has browned. cook on another side 3-4+ minutes. Test with a fork.
Mic (in a stand mixer) Flour, water, salt, and olive oil. Once combined, flour a surface and place dough. Kneed 10-15 times. Rest for 10 minutes.
Original recpie says to divide dough into 16, I like bigger tortillas, I would divide into 12.
Flatten into circle. Put in pan on medium/medium-low heat. Flip after they brown.
Wish you the best during these unprecedented times. The study will be released at a later date, showing where we got these main ingredients from. This situation is too urgent to delay any longer.
If you found this useful, share with your friends.
We received a donation of 350$ of intern hours, and per request, we have an interesting discovery that may save you money regardless if you have a dog.
Unsure what dog food data was going to be available, we completed 1 store with full data. Upon seeing consistencies between brands, we narrowed our data set.
Our goal shifted to find best brands and best places to purchase. The decision was made to focus on quantity. Over 200 Items were collected from 4 stores.
To maximize usefulness, we will focus on Your Application, however, the data can be found here and through the article.
A greater takeaway is that, as Efficiency Is Everything collects more data, we are finding consistent store vs store winners. There are lessons to be learned here.
Walmart comes out on top again for prices. While you will need to look for quality, Walmart has the best prices. The great question will be getting the quality metrics You want at Walmart.
Our data suggests- No, Walmart does not have the best prices. We demonstrate this by using Categories and Protein Per Dollar.
If you want Corn, Walmart seems to be the best place to buy it.
Here are the Top Calorie Per Dollar Items.
Outside of Walmart Corn, we found the Online store Chewy was better than the competition.
This is important because it gives us a second data point showing the benefits of Online shopping.
As a note, In Baby Items Per Dollar, we found Amazon was just behind Walmart. Walmart Online was cheaper than Walmart(store).
Bad News- Mom and Pop stores can be expensive. They can cost 10x or more than online alternatives.
What role do these stores serve in a consumers life?
Is your goal feeding your dog cheap? Is your goal low cost cheap protein? Is your goal most pure protein? Our data lets you decide your qualities.
Buy at Chewy, don’t buy at Walmart. Always above 200g Protein Per Dollar.
Buy at Chewy or Costco, not Walmart. Unless you want heavy calories from corn aim for 200-400g Protein Per Dollar
Petco and chewy are side by side depending on your needs.
The data shows Chewy and Petco crush Walmart with leaner proteins.
Without going into the other meat categories here, it was discovered outside of cheap corn, Walmart was a loser for particular types of meat proteins.
While this data finds the outliers, its good to know the relative value. Getting 200-400g Protein Per Dollar is relatively a good deal.
While our data found the best values, if you are shopping on your own, make sure you are not overpaying. Failure is the difference of a scale of 10.
Costco vs Everybody
Whenever you can get something cheaper outside Costco’s exclusive membership, it makes me question this membership.
Costco did not beat Chewy.
The data attached is very raw. While we put effort into cleaning the data, some vitamin values are unrecoverable. However, I wanted to provide the data we did have, as it still shows interesting conclusions on nutrition in each package.
In the future, when repeated, this study will take lengths to ensure completeness. This is our first attempt at studying Dog Food.
Here is the raw data-
Do not get hung up on ‘baby’.
What started as a baby registry optimization evolved into a store to store comparison when we found huge difference in prices.
This article is a Store vs Store, Brick and Mortar vs Online comparison. There is a lowest cost way to purchase items, and we wanted the data to prove it.
There are not many ‘baby’ specific tips in this article, but here is one baby oddity- Colors, Boy colors, Girl colors, and neutral colors changed the price and availability.
The goal was to make an overall shopping decision and pick 2 stores to shop and register at. This is a commitment, having more than 2 stores is overwhelming and difficult.
Each store had to have an item that meet all consumer quality metrics, from Dr. Mandy Kirk. Metrics were reasonable, and often only 1 name brand had the quality. Lowest price, or the equal product were captured for each store. Quality was considered and noted.
If a store did not have a product that meet the criteria, they were noted False, not having the item.
The Data is at the end of the article, but its important to know who comes out on top. Online stores are cheaper and have better selection than brick and mortar stores.
Does this mean shopping at brick and mortar is an expensive luxury?
Further, upon request, we added a blanket 20% off on Buy Buy Baby, this did not change its Rank in any item. Meaning Buy Buy Baby is always at least 20% more expensive than all of its competitors.
Is it safe to say Target and Buy Buy Baby are ‘Never Buy’?
Online had a significantly better selection, especially Amazon.
11 items could not be found at Walmart in Store. If you included Walmart online, only 1 item could not be found online.
Target had 7 items unable to be found, and 2 unable to be found online.
Amazon and Buy Buy Baby had all items.
If you were trying to buy one of these items, it would be best to buy from these stores.
Lesson: At Target, there is 1 item in store that was lower cost than anywhere else. This is the exception that proves ‘doing your homework’ and researching gives you the best price.
Walmart (online), undeniably the best-
Amazon, not a long list, but they still scored 2nd best overall.
There are no items to buy at Buy Buy Baby.
Now that we narrowed our selection down to Walmart and Amazon, we will pick the best products. Items will be revisited to ensure the items meet quality metrics at the lowest price.
There may be use outside consumer applications of this data. New products? Implications of Brick and Mortar’s future? Is there something telling about the future of consumer retail? Are there other overly expensive stores like Buy Buy Baby out there?
The data is massive.
You will see how retailers like Walmart are pushing the weight on low prices- sometimes. Walmart in-store seemed to be marked up vs online.
Otherwise enjoy the picture-
*False means the store did not have a comparable item.
If you have made this this far, you might care to see how the different grocers stacked up
Our Intern Josh has collected data to find the best dates, given various quality metrics and cost.
This data uses specific pricing, and has gas costs calculated using a common location. While the description on this website is generic(Coffee Date), the detailed description(Atomic Coffee Royal Oak, 2 Cinnamon Dolce Latte) can be found in our raw data – Click Here.
Classy, Creative, and Public were subjectively decided on a scale from 0-10, and based on that given a True/False value. This is considered Boolean, as it has only 2 possible values.
Given how specific this data is, but how varied prices and distances to locations in your own life, the data should be compared on a scale. For instance, 100-400 Minutes Per Dollar are similar. 7-10 Minutes Per Dollar are similar. There is a drastic difference between 5 Minutes Per Dollar and 20 Minutes Per Dollar. This is mentally doing Logarithms with the data.
Note: Clicking the Column names will sort, and if you click in a specific order, IE: Minutes Per Dollar, then Creative, you can see a comparison of qualities without opening the raw data.
|Date||Cost||Minutes Spent||Minutes of Date Per Dollar||Classy||Creative||Public|
|Cooking Date Night||$10.00||180||18.0||FALSE||TRUE||FALSE|
|Long Distance travel with 2 night hotel||$282.50||2880||10.2||TRUE||TRUE||FALSE|
|72 Mile Roadtrip||$21.75||120||5.5||TRUE||TRUE||FALSE|
|Fair/Festival all day(Drink,booth,etc)||$82.00||360||4.4||TRUE||TRUE||TRUE|
|Picnic with drinks||$15.30||60||3.9||TRUE||TRUE||FALSE|
|Fair/Festival with 2 drinks each||$53.00||180||3.4||TRUE||TRUE||TRUE|
|Movie at Emagine with 2 Beers||$47.50||140||2.9||TRUE||FALSE||TRUE|
|Normal movie at Emagine||$44.50||130||2.9||FALSE||FALSE||TRUE|
|Low Cost Movie||$45.00||130||2.9||FALSE||FALSE||TRUE|
|Ice cream/ frozen yogurt||$12.00||30||2.5||FALSE||FALSE||TRUE|
|Pro Sporting event with pregame||$201.00||300||1.5||TRUE||TRUE||TRUE|
|Pro Sporting event||$161.00||240||1.5||TRUE||TRUE||TRUE|
|Dinner at Chilis||$47.70||60||1.3||FALSE||FALSE||TRUE|
|Dinner at Red Lobster||$55.20||60||1.1||TRUE||FALSE||TRUE|
|International Concert with drinks||$338.00||360||1.1||TRUE||TRUE||TRUE|
|Dinner at Capital Grille||$94.50||60||0.6||TRUE||FALSE||TRUE|
|Dinner at Melting Pot||$121.14||60||0.5||TRUE||TRUE||TRUE|
Parks, beaches, trails, and outdoor activities are the lowest cost Dates. The cost comes from gas money, parking, and cost for entry. These are top results because they are low cost and have the potential to provide hours of entertainment.
On a similar note, public locations like the Mall and Local Festivals can also be a good value, as long as your spending doesn’t get out of control. These have the benefit of being potentially multi hour activities despite being more expensive than free locations.
Comparing these low cost options, to getting Ice Cream or Coffee, these have similar costs as a low cost trip to the mall, but last under an hour. This is the benefit of comparing items Minutes Per Dollar rather than cost alone.
More expensive activities include visiting Museums and Art Institutes, but are a better value than visiting a restaurant.
Looking at the best values and including non traditional dates(Creative) and non embarrassing dates(Classy) give some fantastic recommendations-
It may be helpful to know your Partner, and how to make these experiences memorable.
Public dates are something that is either desired or can put a dampen on your romance. A first blind date likely will be at a public location, while by the end of the night, you may want to be alone.
Most dates are in public locations where people do business, making low cost first dates plentiful in options.
Finding privacy can be more difficult. Dates that involve traveling give you the option to find uninhabited areas.
It seems the ‘wholesome’ date ideas like Hiking and Visiting Museums are a better value than ones that involve quick indulging like eating/drinking.
These are perceived Creative and Classy, give you plenty of time to spend together, and are affordable on seemingly every budget.
If you are struggling to get a first date, check out low effort ways to improve your appearance.
Some topics are far to critical to Life to remain untouched. Your allocation of resources and assets is a choice that changes your life whether you like it or not.
The goal is to compare various opportunities for Future Value so you can make a decision based on your current life conditions and goals.
This is the fancy way of saying ‘United States Dollar’ in the US. This is your combined bank account, wallet, safe, under your bed, etc.. value of USD. This is a special number because the government has the ability to print money, and has historically devalued currency through ‘inflation’.
The US government claims ~2% inflation, others report 4% yearly inflation.
Your goal with excess Cash on Hand is to allocate it outside of USD to beat 2% inflation.
The goal is to beat 2%/year inflation. But you also have other Qualities- Risk and Liquidity(ease of selling)
A US Treasury Bond returns at 2%/year and would be ‘cost neutral’. Which explains its worldwide popularity. Its safe, it makes money, and it can be liquid.
Hoarding USD is popular, but runs risk of inflation.
Real Estate is popular, but isn’t liquid. Warning, real estate is also work, consider real estate a part time job rather than a passive investment.
Student Loans, Mortgages, Credit Cards. That % interest per year, is your new number to beat. A 4% mortgage means that any investment, should return more than this.
To convert Cash on Hand into a debt payment and make a positive impact on your interest payment, you must refinance. Paying more money each month, makes little to no difference as your loan is the same size. More payments means saving thousands of dollars, rather than refinancing for tens/hundreds of thousands of dollars.
Its best to wait until rates are favorable to refinance.
Loans often have an amortization where the first payments are 75% interest/25% principle, and at 15 years in 50/50, and year 29 its 75% principle/25% interest. Refinancing resets this clock, and you do lose a few thousands dollars. We calculated if this is significant and if there was an optimal time.
Note, this is a ~400,000 dollar mortgage:
If 15 years are spent before refinancing and the amortization never works in our favor, we spend over 50,000 USD on amortization. At worst case its about 6% of your mortgage, totaling likely tens of thousands of dollars.
However, after refinancing, you will have saved likely hundreds of thousands of dollars on your mortgage and interest, about 20% of your mortgage.
When refinancing(20%+) you will eliminate tens or hundreds of thousands of dollars in future interest payments.
This is why saving up for a large debt payment is a safe way to ‘earn 4% interest’.
Re: Tax Write offs- There is a myth that spending more money on interest can save money on taxes. Your taxes will be slightly lower, but you will have spent more money on interest. Its wrong to spend, to spend for taxes.
Abundance is a strange thing. People of all types are throwing money in investment apps.
As we try to increase our assets, we can try to beat our debt interest or exceed new highs.
Long term, safe, market investing can expect 7-30% yearly returns, or 30% yearly lows. This needs to beat our 4%/yr mortgage interest. Buying on a bad year can be disappointing and worse performing than USD.
Pick your favorite assets that you believe will perform better than USD. It is a good idea to have at least some diversification.
Maxing out your 401k/IRA is a good start. Diversify. Use your experience/knowledge to make niche investment decisions. Gold/Bitcoin. Diversify. SPY. Unicorn Projects. Your own project. Diversify.
The goal is to keep Cash on Hand low, and assets invested either passively or actively. You have millions of future dollars at stake. (But don’t stress, you do the best you can).
Re Gambling: The word Gambling was a misnomer for the unpredictability of investments. Actual gambling? No way, that’s bad math.
You have Cash on Hand that loses value at 2% a year. Beat this.
Treasury Bonds are safe and liquid return 2% a year.
Debt often costs more then 4% a year, whatever your highest debt interest is your new number to beat. Beat this.
Investing comes in many shades from long term index funds vs gambling. This is the risky way to earn money.
Given the current economy, we are choosing to save up to refinance. 4% isn’t bad when everything else is sinking.
This decision comes from many inputs, including political climate, like it or not. Your experiences should make an impact on your decisions.
Wish you the best on your asset allocations,
We are on Cost Freeze and my credit cards transactions for this month was nearly empty outside groceries and gas. Cost Freeze works.
A tool used at the best and most successful fortune 500 companies to tell everyone- Stop.
Non essential is maintained or removed.
Its quite simple. You need to eat. You need to buy gas. Rent/Mortgage, heat(lowered), subscriptions ended.
Then everyone realizes this problem is not so simple and getting some non essentials will improve the situation.
When you begin Cost Freeze, you stop spending money, you scrutinize every purchase, and you review your reoccurring expenses.
Insulation of your home, LED lights, and more can pay for itself.
Multiple hundred dollars a year in potential savings. Note that expected hours of use are high, but these LEDs are going to last years, this is a quick and dirty estimation. Cost was less than 100 dollars to make the change.
Can you imagine other areas where spending money saves money?
Going on ‘Cost Freeze’ is a change in mentality that you decide, declare, and carryout. You will start to save money, and on an extreme basis.
This is cause for innovation, as scarcity in spending money will have you find other uses for time. For instance, instead of getting pie at an expensive restaurant, baking a pie with friends is nearly free. No driving, no parking, no tipping, no drinks- still 100% friendship.
After a freeze in spending money, you may find it almost necessary to improve your life. Old shoes, haircut, carbonated drinks, etc…
There is a way to deal with this. Budget. Put a set amount(ie: 50 dollars) towards non essentials, and decide if you would rather fix your shoes or drink diet caffeine free coke.
The mild pain of saying ‘No’ to things gives you the benefit of security as you can extend the use of your assets.
While others are in panic about making debt payments, Cost Freeze extends your cash many months.
This may be overkill, but after an economy recovers you will be stronger than before. Good decisions today pay dividends and failure is expensive.
After multiple years of use, here are a few things we learned-
This is one of the best articles on this website on how to save money.
The data is conclusive, and there is not much room for argument that Health Insurance companies are using marketing tactics against us.
There is almost never a reason to pick an expensive or medium tier health insurance company. Lowest monthly premiums perform best-in-class when it comes to saving money and dealing with catastrophic injury.
If you have a reason to believe gold plans are ever a good idea, -Speak Up-
The overwhelming evidence explaining why you should pick low cost plans is about to begin. See how much data was collected to draw these conclusions:
For us, our lowest cost plan was $343.04/mo. $4116/yr. If you are planning on staying healthy(and not getting pregnant or sick) your search ends here. Pick the lowest cost plan. At worst, you would expect to pay 12016.48 for an entire year and full medical coverage for 1 individual.
For full disclosure, these are the most expensive plans, even in times of injury and illness.
The upfront premiums of expensive insurance plans outweighs any benefits that it claims to have. Paying more money is worse. Fancy names are looking to take advantage of what would appear to be a cautious consumer.
Consider if you are planning on getting over 7000 dollars of medical procedures this calendar year. If so, there is a slight optimization, and will require basic math to complete for yourself. Here are the results while we expect Mrs. Efficiency to hit our Max Out of Pocket, and myself to stay healthy.
If you skip this step, the difference between our lowest cost premium and our optimization is $842/year. ~34,000$/lifetime.
You will need to do the math, Click Here For Our Simple Excel File
Fill in Name, Premium, and Max Out-Of-Pocket. The excel file does math for:
Yearly Premium = Premium/month *12 , Worst Case= Yearly Premium+ Max Out-of-Pocket
The goal would be to get the lowest cost Worst Case.
Fancy words, when often the only thing that matters is the premium. Often the US government enforces a cap of $15,800 max out of pocket.
We studied what it looked like to take advantage of high quality health insurance benefits on Emergency, Primary Doctors Visits, Specialists, and Generic Drugs. This data was unreliable from the healthcare.gov website, but we were able to draw generalized conclusions.
In a situation where you visit the emergency room once a year, there is are 2 plans that has a copay for the potentially expensive emergency room visit.
Total Health Care USA, Inc. · Total HMO Standard and Meridian Choice · Meridian Smart Silver have a copay before you hit your deductible.
This set of circumstances would cost you 8842.64 per year, given the correct set of circumstances that you aren’t charged for tests, or a plethora of other exceptions.
At risk is ~$3,000 in premiums to have this odd Emergency privilege. Recommendation is the lowest cost premium plan.
Do you only take expensive generic prescription drugs? No doctors visits, but a constant flow of medically necessary generic prescription drugs? If you don’t plan on hitting your deductible. But if you do plan on hitting your deductible, this would be more expensive. This situation is an ideal fantasy.
Continuing this unlikely optimization, Total Health Care USA, Inc. · Total HMO Standard has been quite the situational loophole despite being a decent deal. They have set copays before hitting a deductible.
Reminder that this plan,
Overall, yearly premiums seem to be better for families rather than 2 individuals. This gets slightly more complicated when you offer the ability to have 1 member pick a lower deductible plan. However, even with this, we found that its better or negligible to file as a family in each situation.
Thank you for reading our guide to selecting health insurance. Reminder that if you find anything wrong, email us at email@example.com for review.
With over 35,000 locations, this one will probably end up coming in handy.
Select higher items that are similar – You get 50% more buying a Jr. Mac instead of a Big Mac. Not sure how picky you are, but some items are simply better deals.
Remove things you wouldn’t have ordered anyway – If you are a repeat customer, eliminate the over-the-top expensive items you weren’t a fan of. I never really liked their Fillet-o-Fish much anyway.
Fill up when desperate on Cheese Burgers – The protein + calories is going to be the best you are going to get. Consider purchasing a preferable item and one cheese burger for calories.
Should you get a drink? Drinks are technically Infinity Calories Per Dollar. Is it ethical to buy a soda pop and use McDonalds as a wifi hub all day? I can imagine drinking a lot of Calories, Caffeine and getting some work done.
If you frequent a specific location and want your customized data, download the list and enter your prices. The orders, calories, and protein servings are there for you. Also included in the excel file is Protein/Calorie and a dimensionless weighing system. Prices were similar enough between restaurants to make Efficient decisions.
New functionality! Click on a unit to sort
|Menu Item||Before Tax Price||Calories Per Dollar||Protein Per Dollar||Cost If Eaten All Year||Calories||Protein|
|2 Apple Pies||$1.29||356.6||3.1||$2,047.17||460||4|
|Fresh Baked muffin||$1.49||302.0||4.7||$2,417.11||450||7|
|Big breakfast with hotcakes||$5.49||245.9||6.4||$2,968.67||1350||35|
|Oreo Mcflurry w/ candies||$2.69||234.2||4.8||$3,116.98||630||13|
|20 Pc. McNugget||$5.19||171.5||9.4||$4,256.97||890||49|
|Classic Chicken Sandwich||$3.00||170.0||8.3||$4,294.12||510||25|
|Sausage Buscuit with Egg||$3.49||151.9||4.9||$4,806.98||530||17|
|Sweet BBQ Bacon crispy chicken||$5.49||151.2||7.7||$4,828.55||830||42|
|Hot Caramel Macchiato||$2.79||143.4||4.7||$5,091.75||400||13|
|Sausage,Egg & Cheese McGriddles||$3.89||141.4||5.1||$5,163.09||550||20|
|Sweet BBQ Bacon burger||$5.49||140.3||7.7||$5,204.81||770||42|
|Sausage biscuit with egg||$3.79||139.8||4.5||$5,220.19||530||17|
|Pico Guacamole crispy chicken||$5.19||138.7||6.4||$5,262.08||720||33|
|2 Snack Wraps||$4.38||137.0||9.6||$5,329.00||600||42|
|Garlic White Chedder crispy chicken||$5.19||134.9||6.4||$5,412.43||700||33|
|Sausage, Egg & Cheese McGriddles||$4.09||134.5||4.4||$5,428.55||550||18|
|Bacon, Egg & Cheese Biscuit||$3.59||133.7||5.3||$5,459.79||480||19|
|Sausage McMuffin with Egg||$3.59||130.9||5.8||$5,575.96||470||21|
|Fruit & Mapple oatmeal||$2.40||129.2||2.5||$5,651.61||310||6|
|10 Pc. Buttermilk Crispy Tenders||$9.69||129.0||10.1||$5,658.96||1250||98|
|Double Quarter Pounder||$5.99||128.5||8.5||$5,678.83||770||51|
|Pico Guacamole burger||$5.19||127.2||6.6||$5,740.45||660||34|
|2 Pc. Buttermilk Crispy Tenders||$2.00||125.0||10.0||$5,840.00||250||20|
|Garlic White Chedder burger||$5.19||123.3||6.4||$5,919.84||640||33|
|Sweet BBQ Bacon grilled chicken||$5.49||122.0||9.1||$5,981.64||670||50|
|Bacon, Egg & Cheese Bagel||$4.55||120.9||5.7||$6,039.09||550||26|
|Bacon, Egg & Cheese biscuit||$3.89||115.7||4.6||$6,310.44||450||18|
|Steak, Egg & Cheese Bagel||$4.85||113.4||5.2||$6,437.27||550||25|
|Southwest buttermilk chicken salad||$4.79||108.6||5.8||$6,724.42||520||28|
|Bacon, Egg & Cheese McGriddles||$3.89||108.0||4.6||$6,761.19||420||18|
|Buttermilk Crispy Chicken||$5.29||107.8||5.3||$6,774.91||570||28|
|Bacon Ranch salad w/ buttermilk chicken||$4.59||106.8||7.2||$6,838.16||490||33|
|Mango Pineapple smoothie||$3.19||106.6||1.3||$6,849.12||340||4|
|Pico Guacamole grilled chicken||$5.19||106.0||8.1||$6,888.55||550||42|
|Strawberry Banana smoothie||$3.19||103.4||1.3||$7,056.67||330||4|
|10 Pc. Chicken Nuggets||$4.29||102.6||5.6||$7,117.50||440||24|
|Garlic White Chedder grilled chicken||$5.19||102.1||8.1||$7,148.49||530||42|
|Fruit & yogurt parfait||$1.49||100.7||2.7||$7,251.33||150||4|
|Iced Caramel Macchiato||$2.79||75.3||2.2||$9,698.57||210||6|
|Southwest Grilled chicken salad||$4.79||73.1||7.7||$9,990.57||350||37|
|Artisan Grilled Chicken||$5.29||71.8||7.0||$10,162.37||380||37|
|Bacon Ranch salad w/ Grilled chicken||$4.59||69.7||9.2||$10,470.94||320||42|
|Egg White delight McMuffin||$3.89||66.8||4.6||$10,921.92||260||18|
See how we apply engineering to life.
Data was collected from various stores, sizes, and brands of different Carbohydrates and Fat.
Despite being bombarded with marketing, we know processed food and fast foods are expensive.
Empty carbs and Jugs of Oil? Those perform well for this metric.
Take note of how quickly the effectiveness drops off(nonlinear). This is a big deal, especially as something worth 2000 calories per dollar costs 4x as much as your best values.
If you can beat the highest item at 8944 Calories Per Dollar, shoot me a message. The highest value by Christmas will get a copy of Efficiency Is Everything In Life. Send me an email with a photo of the price, Calories, and Servings.
If you currently are eating Pasta or Rice, you are likely averaging about 2000 Calories Per Dollar on those carbs.
A 100% switch to flour(baked goods) would save you about 60 dollars a year. Not exactly worth a gigantic lifestyle change.
Consider it financially healthy to make cookies, fresh bread, and other baked goods*.
*Chocolate chips are expensive, Peanut butter is cheap
Getting all 2000 calories from Oils or Flour is a disaster waiting to happen.
Lets be reasonable, a ~500 calorie goal. 25% of an average diet.
For 500 Caloires:
Previous Average 700 Calories Per Dollar = 260$ a year
Soybeen Oil = 30$ a year
230$ a year in savings if you supplemented your diet with Costco’s 40lb Jug of Soybean Oil. 11,500$/lifetime
A few hundred dollars a year in savings don’t seem to be worth the lifestyle. However, I can’t blame someone who wants to take the $14,000 dollars in savings over their lifetime.
I looked through the data and found I should be buying my Rice from Costco or Aldi. The difference over Walmart hits close to home as it comes out to a very real 180$/year extra expense.
I looked into Canola Oil, and their wikipedia page suggested it is decent. I am going to begin incorporating Canola Oil instead of Veg and Olive Oil when possible.
I’ll be using more Canola in my life.
I used to do make a similar shake when I was bulking for weight lifting. I used 2 tbsp Extra Virgin Olive Oil, 16oz milk, and 1 scoop protein.
Here I suggest similar, but instead use 1 Tbsp of Corn Oil. Shake up and drink.
Lunch and dinner are easy. Oils add a pleasurable mouth-feel in food. Your body is constantly looking for this long term energy storage and has developed to enjoy the smoothness of fats.
You can add this to everything, Alfredo sauce, coat cooked chicken/meats, mix with a salad, mix into fried rice, heck- you can supplement fast food/restaurants by dipping your food in Oil.
Try swapping or supplementing canola oil in some recipes.
I don’t recommend doing this with butter, butter has flavor that is desired.
Engineers collect the data and decide the best course based on ability to meet specifications, cost, and time requirements.
You decide what requirements your food needs, make a decision, and optimize.
One of the biggest problems faced when attending a party is what food or drink you’ll bring to share with the guests. A bottle of wine is always a good bet when going to a dinner party, but what type do you bring???
I love expensive wine, I really do. Hints of walnut with cast-iron undertones, its great. That’s not what your group of friends need. This is about a fun get together. In those situations the best bet is to go with a cheap wine that tastes good. Cheap wine like Oak Leaf is designed with one purpose, to taste commercially delicious. Oak Leaf finds no joy in having a “sophisticated” taste. We’re talking the “Family Guy” of wine. It tastes good to most people so it costs $7.
Bringing box wine to a party garners two reactions; Excitement or judgment. For those who wish to judge you on your box wine selection please point out the following: