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Eating out is a biggie for me. I've cut it down to once or twice a week, but I'm tempted sometimes to just order a pizza after a hectic day, an evening that doesn't go well, trying to get my kid through his homework . . .sometimes I just don't have the energy for cooking.

Groceries are another drain. Even though I don't always have time for it, I love to cook, so when I go to the grocery, I end up buying more expensive items. I've recently stopped buying foods imported from China, and I'm buying more organic/locally grown foods. That puts a real drain on the budget. Eating healthy is expensive.

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