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What's a reasonable amount to budget for eating out/take aways /coffees each month?

144 replies

Slothisavirtue · 19/11/2025 23:29

If you are trying to get control of your finances? This is for someone with around £3000/month income (a mix of benefits and part time work). Their rent is only £750/month though and other fixed outgoings are fairly low (they rent from another family member which helps).

They've got teenage twins and two primary age children.

It's a family member and I am trying to get them to take control of their finances as they spend all their money every month and have nothing left for unexpected expenses). Am struggling to figure out what to suggest for eating out because at the moment they are sending nearly £400/month on it , whereas I probably don't spend a tenth of that. I want to be fair though as I am probably the opposite extreme, and I don't really eat out because I have allergies and it just never feels like the hassle

Any good websites /guides we could use ?

OP posts:
5128gap · 20/11/2025 16:10

Get her to keep a diary of every penny she spends for a week. She needs to understand where its going.

Slothisavirtue · 20/11/2025 16:07

That's the thing. We've done this and on paper she has plenty of disposable income as quite a lot of her fixed costs (eg rent) are low, but in practice she never has any left at the end of the month.

OP posts:
5128gap · 20/11/2025 16:00

When you're trying to take control of your finances you work out your essential expenditure, food, rent, utilities, clothes, insurances and travel; how much needs to be saved for short term stuff like birthdays and Christmas; how much you should save in case the washing machine breaks or the car fails its MOT; and ideally how much for the longer term future.
After all that's been put aside, what's left is what you have for coffees and eating out.

Bloooscloos · 20/11/2025 15:34

Surely it depends how much is left over after all bills including the allocated food shop & petrol/travelling budget?

We have approx £2000 left over that’s unallocated money. We both take £300 each “fun money” to do what we want (can be coffees when alone, eating out with friends, personal treats such as makeup, clothes etc) and £150 goes into the Revolut for couples fun such as date nights, coffees out, takeaways, cinema etc so if we wanted to grab a coffee whilst out when together it would come from this. If I was alone I would use my £300.

So between the two of us we have around £750 money we could spend on coffees, eating out but we would never spend that much as we use it for other thing. Between the two of us I would say we probably spend around £200/£300 max of that money on that.

Meadowfinch · 20/11/2025 15:27

labamba18 · 20/11/2025 13:03

Do you only ever buy things you absolutely need? No alcohol, no chocolate, no nice home furnishings. Nothing just the bare essentials for you!

At the moment, yes.

Top priority if I had any spare cash would be replacing my two remaining single glazed windows, so we are warm.

Coffees and a takeaway don't even come in to it. 😁

Jugendstiel · 20/11/2025 15:18

£250. Get them to buy a thermal cup for coffees while out and about. Or take coffee bags or sachets to work, to avoid being tempted to join the coffee run.

Get them to look at the Indian and Chinese food deals in supermarkets. You can often get a big bag of starters or sides, mains and rice or noodles for about £12 for two people (and there's usually some left over.) Encourage them to add some ready meals to the weekly shop, to store in the freezer and then be heated on days they fancy take out. It takes no longer to heat up ready meals from frozen than to order takeaways and wait for them to arrive.

Suggest every time they buy one of these deals they put the money they saved from a take out or restaurant meal into a savings account for something they want or badly need but can;t afford.

Then go out to a restaurant once a month as a treat and lookout for special offers and fixed price menus.

DH and I eat out far more now than we used to, but we often just go for a bowl of noodles or bento box at a Japanese place for about £10-12 rather than a full dinner with wine. It's delicious and affordable.

PropertyD · 20/11/2025 15:16

gentlemum · 20/11/2025 09:35

Such a broken system that people who are on benefits can spend £400 a month on the luxuries of eating out, coffees and takeaways, whereas people who work hard and don’t get any benefits cannot afford to do so.

£3k a month with benefits is a large amount and this family clearly cannot budget or work out where they are spending their money!

The benefits system is broken and isnt going to be fixed anytime soon (the 2 child cap is about to be removed) making things worse.

Slothisavirtue · 20/11/2025 15:09

MontyDonsBlueScarf · 20/11/2025 14:40

I'm astonished that you consider doing without takeaways and coffee out of the house to be extreme frugality. In my book that would be buying only the cheapest version of everything, buying only things you actually need, doing the rounds of all the shops to price everything before buying anything, and so on. All of which many of us have done when needs must.

If you present cutting back slightly as if it was extreme frugality then you're more likely not to get buy in. Your friend will think you're suggesting something dramatic and possibly unworkable instead of some modest changes.

I've said several times already that I rarely eat out as I have allergies, so I genuinely have little idea what the norm is or what is reasonable. I find eating out stressful rather than pleasurable.
What I was trying to convey is that I don't think it will work for her to go no-spend in one go, it has to be a gradual transition.

OP posts:
MontyDonsBlueScarf · 20/11/2025 14:40

Slothisavirtue · 19/11/2025 23:48

I realise that. But I dont think it would be any help at this stage to suggest extreme frugality so I am trying to come up with something balanced that helps her see she can set some money aside each month just by making a few manageable changes.

I'm astonished that you consider doing without takeaways and coffee out of the house to be extreme frugality. In my book that would be buying only the cheapest version of everything, buying only things you actually need, doing the rounds of all the shops to price everything before buying anything, and so on. All of which many of us have done when needs must.

If you present cutting back slightly as if it was extreme frugality then you're more likely not to get buy in. Your friend will think you're suggesting something dramatic and possibly unworkable instead of some modest changes.

ColdToesandWarmHeart · 20/11/2025 14:34

StrawberrySquash · 20/11/2025 13:52

They are spending the money. But it's causing problems in other areas. Presumably if the washing, or whatever, broke tomorrow they'd have to get a loan for a new one. Far better to use the savings that OP is looking to help them build up.

Or to get full time jobs.

Oblahdeeoblahdoe · 20/11/2025 14:14

I would advise saving pots e.g Christmas, birthdays, holidays and the money goes in as soon as it's received. Bills, groceries etc are accounted for and then see how much fun money is left over.
Sounds like the whole family needs to learn how to cook and get used to taking packed lunches and coffees etc.

LadyDanburysHat · 20/11/2025 14:04

I think the suggestion of one month with nothing at all makes sense.

For our lives we only do a takeaway on payday weekend. It is a real treat then. It's not if you have it all the time. My kids look forward to it a lot.

I do think it must be hard if you live near so many options though. Too easy when tired or running late to just grab takeway

drspouse · 20/11/2025 13:55

DeanStockwell · 20/11/2025 13:18

That card sounds interesting, can you explain a bit how it works or post a link .

Just google Starling. It's just an extra current account.

Linzloopy · 20/11/2025 13:55

MrsSkylerWhite · 19/11/2025 23:37

No-one needs take aways.

Or coffees.

StrawberrySquash · 20/11/2025 13:52

ColdToesandWarmHeart · 20/11/2025 13:38

They can and do.

They are spending the money. But it's causing problems in other areas. Presumably if the washing, or whatever, broke tomorrow they'd have to get a loan for a new one. Far better to use the savings that OP is looking to help them build up.

fost · 20/11/2025 13:41

5 people? £20 each will get you a main course and a non alcoholic drink or two at many pubs or restaurants.

ColdToesandWarmHeart · 20/11/2025 13:38

StrawberrySquash · 20/11/2025 13:35

But they can't! They are spending the money that should be put by for unexpected expenses. Which is why OP is trying to help. A lot of the people who say they can't afford to buy coffee out could afford it in the sense of still pay the rent. But they choose to spend it on other ways. Which is all good! They've worked out what gives them value. I also very rarely buy coffee out, because it's not worth it to me. But I will spend money on nice food etc. I could choose to spend less.

They can and do.

Snorlaxo · 20/11/2025 13:37

For me, habits and behaviour help a lot.

If I go out to the shops after eating then I’m less likely to end up hungry and buy food. Same with hot drinks- if I have a coffee before I go out then I’m less likely to want one. Obviously I can take a travel cup out with me but a bit of planning so I’m not hungry or thirsty helps me.

If she’s “addicted” then limiting the meals out to say every other weekend rather than every week could help. If she’s goes to a chain then it’s worth looking at if they do a midweek discount. For example Dominoes used to do discounts on Tuesdays.

fost · 20/11/2025 13:37

User5306921 · 19/11/2025 23:45

I'm genuinely interested in where you could get a couple of takeaways for a family of five for 100 a month? What kind of takeaways do you mean? i can only think of McDonalds being the only option?

as well as mcdonalds, non-chain kebab shops, pizza and fried chicken places all have options under £10 a head, and if you use vouchers/deals you can get dominos for less than that. Sure, it won't get you indian or chinese, but there are lots of options if you're not fussy and just want food made for you.

StrawberrySquash · 20/11/2025 13:35

gentlemum · 20/11/2025 09:35

Such a broken system that people who are on benefits can spend £400 a month on the luxuries of eating out, coffees and takeaways, whereas people who work hard and don’t get any benefits cannot afford to do so.

But they can't! They are spending the money that should be put by for unexpected expenses. Which is why OP is trying to help. A lot of the people who say they can't afford to buy coffee out could afford it in the sense of still pay the rent. But they choose to spend it on other ways. Which is all good! They've worked out what gives them value. I also very rarely buy coffee out, because it's not worth it to me. But I will spend money on nice food etc. I could choose to spend less.

Slothisavirtue · 20/11/2025 13:34

StrawberrySquash · 20/11/2025 13:29

So many sniffy people about! Telling you how you are doing it wrong too. I think the difficulty is that a reasonable budget is hard to state because it is ultimately discretionary and so it goes on what value this gives to you. They could go cold turkey - some people find a simple rule like that easier. Or they could halve spending. That would still provide room for some fun, but it would have to be considered. Seeing that £200 saved might encourage them to cut back further. Or maybe they'll decide that to them £200 is worth it.

I think I would have them set the budget with you. Work out what's important to them and what that would cost. Let's say a weekly coffee while kids play in the park - that's £20. Then a MacDonald's once a month when they currently have it twice etc. Working through it like this can give them some ownership of the decision and a real view of the benefits of the cutbacks. Whereas having a 'you must not buy coffee' can just make you feel contrary. In the long run this is about helping them be the one in control.

Thank you, yes I am not here to impose a solution but to try and help them visualise how a bit of cutting back will help build a cushion

OP posts:
StrawberrySquash · 20/11/2025 13:29

So many sniffy people about! Telling you how you are doing it wrong too. I think the difficulty is that a reasonable budget is hard to state because it is ultimately discretionary and so it goes on what value this gives to you. They could go cold turkey - some people find a simple rule like that easier. Or they could halve spending. That would still provide room for some fun, but it would have to be considered. Seeing that £200 saved might encourage them to cut back further. Or maybe they'll decide that to them £200 is worth it.

I think I would have them set the budget with you. Work out what's important to them and what that would cost. Let's say a weekly coffee while kids play in the park - that's £20. Then a MacDonald's once a month when they currently have it twice etc. Working through it like this can give them some ownership of the decision and a real view of the benefits of the cutbacks. Whereas having a 'you must not buy coffee' can just make you feel contrary. In the long run this is about helping them be the one in control.

Zitroneneis · 20/11/2025 13:29

labamba18 · 20/11/2025 13:03

Do you only ever buy things you absolutely need? No alcohol, no chocolate, no nice home furnishings. Nothing just the bare essentials for you!

Not if I means that i don’t have enough money for all my necessities and some savings for the future!

LidlAmaretto · 20/11/2025 13:27

DeanStockwell · 20/11/2025 13:18

That card sounds interesting, can you explain a bit how it works or post a link .

Hyperjar is thecsame. You can put money into different ' jars'. Money comes out for different purposes. Mine is in my google wallet.

LidlAmaretto · 20/11/2025 13:25

I love eating out- cafes, pubs, restaurants, coffee spots, you name it. If do it every day off I could. I've ended up with a DS who is the same. However I calculated that I was spending over £100 a month on coffees, lunches, little treats just for me, so I now just dont do it. McDonalds isn't cheap. I was taking DC's and without the children's meals ( they are teens) its nearly £30 a time for food that is unhealthy and doesn't fill you up. I presume she gets so much in benefits because she has 4 children. That money isn't for McDonalds and other treats. Its to ensure her children are well fed.

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