Keto on a Budget?

Alright y’all! It’s time to get down to healthy business around here! The Hubs and I have been wanting so badly to be healthier and more fit. I have PCOS and so carbs wreak havoc with my system and his family has diabetes in it, so low sugar and carbs is the best approach for us.

Enter Ketogenic eating! It is very low carb, moderate protein, and high fat. What is Keto? I think Wicked Stuffed Keto has a great definition and helped a lot when I started researching. I am also limiting my dairy intake as most of the internet agrees that it creates an insulin response that leads to more insulin resistance. I added links for extra information! Who doesn’t love extra information?! 🙂

So! We have really cut down on our grocery budget over the last few months, however, there is always more work to be done. Some of my favorite cheap keto staples are hard boiled eggs, coconut oil, spinach, kale, and romaine salads with meat salads, and walnuts, all of the walnuts! Okay, so maybe Walnuts are not really cheap, but they are a great fat and great source of Omega-3 fatty acids and manganese, which again are great for women with PCOS.

Also, my favorite sauce is the Newman’s Own Alfredo… It is so good and low carb that I put it in my Chicken Pot Pie casserole! It is only $1.55 at Walmart and I can use it twice! Total winner in my book. I will put up the recipe in the next few days.

This week, my grocery spending was down to $61.04. Whewt Whewt!! Meal planning is my jam right now because I use every morsel of food. I am able to use a whole chicken cooked in the crockpot for 3 meals! It is only $5 at Aldi’s! If you have not checked out your local Aldi’s, do it! Get in your car right now and go check it out. Aldi has many organic options and for cheap, too! Like Avocados, $5 for 6 organic Avocados?! Oh yes, I am all about that. Make sure to bring a quarter to use a cart since you have to unlock with the quarter, but don’t worry you get it back! Bring your own bags or you will be sad while hauling your groceries in by each item. I am all about the one trip and use reusable grocery bags.


So, $61.04 was spent to make a 9×13 pan of chicken pot pie (2 meals), taco salad(2 meals), chicken salad to munch on for lunches, salads for lunches with salami and other deli meats, cauliflower chicken fried rice, keto pancakes(I love breakfast for supper), nuts, sweet peppers stuffed with goat cheese and salami(so so good and quick), and some spearmint tea for the night.

I think every Sunday I will do a check in for weight and debt.

Check-in 1!

  • Weight – 241.6 pounds
  • Debt – $11,353.22

Let’s do some work this week on those numbers!

The Big Bad Debt Number

Alright everyone. It’s time to get real and put it all out there. I was scrolling Insta and saw this post about how secrecy breeds shame. I will find the instagrammer that I saw it on and link them in this post. It made me think about how for so long, I was ashamed of how much per month I am spending on debt for things I cannot even remember what I bought. I am no longer ashamed, but motivated to stop being a slave to the debt and lender! Like NGTW says, be a Debt Slayer. I have my wooden stake and my leather on!! (get it? like Buffy and Blade 😉 )

So here is the breakdown of my big bad number and how I plan to get out of debt!

Student Loan – $3,600

Medical Debt – $1,273.72

Credit Card – $6,500

Dental – $547

Total – $11,920.72

I believe it is just a new starting point. I have paid off 4 debts before getting serious, just by the nature of paying money here and there. I have devised my plan as a debt avalanche because my highest interest rate is my highest balance. It makes sense to me because I want to stop paying ~$150 in interest every month. I know I will not have the quick successes, but if I am going to tell my money where to go, I want to make the most out of every penny! (plus I checked both ways in the debt payoff app and it was less money spent over the course of my debt marathon if I did highest interest first 😉 )

Here is my plan in avalanche form :

Item Original balance Current balance Min payment Current Payment
Victoria Secret  $                  145.65  $                          –  $                     –  $                  –
UAMS  $            203.84  $                    –  $                 –
Mercy  $            243.77  $              118.77  $           25.00  $         25.00
PCM  $            407.70  $                     –  $                 –
Velocity  $           308.00  $                     –  $            –  $              –
OB/GYN  $            291.42  $             165.42  $           25.00  $        25.00
Mercy Doc  $            537.00  $             537.00  $           25.00  $        25.00
Dentist  $            547.00  $             547.00  $         100.00  $       100.00
ER Visit  $         1,200.00  $             452.53  $         100.00  $      100.00
Student Loan  $         3,600.00  $          3,600.00  $                –  $       –
Capital 1  $         6,500.00  $          6,500.00  $         190.00  $       425.00

Consider me bought in and just past the starting line in my debt marathon.I was semi-serious the past two months, but recently I have seen so many success stories and I want that! I am happy for them and I want that freedom so badly! Over half of my pay outside of joint expenses goes to debt right now, I want that to go into investing in experiences and to see the world!

Let’s Do Work!

The Transplant Arkansan 

P.S. It is so hot in Arkansas! I am still getting used to it.

( I need a side hustle that is friendly with working full-time and student full-time, if you have any ideas, comment below and hook a sista up! )