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Financial Feud: Buy organics vs. Be frugal

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In Dispute:

$40 a week

The Argument:

Kevin

My wife insists on buying organic groceries, but I think they’re unreasonably expensive. She typically spends $100 a week on organics and other wholesome foods from Whole Foods. Non-organic versions of the same groceries usually cost me about $60 at a nearby grocery chain. She says organics are worth the extra cost, because they’re healthier and better for our family. She may have a point, but I don’t think they’re worth an extra $40 a week. AM I RIGHT?

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Kevin

The Argument:

When you compare individual food items, the difference in cost can seem pretty trivial. By way of example, a gallon of whole milk at our local grocer currently costs $2.50. My wife insists on buying a gallon of organic from Trader Joe's for $5.99. This adds up over time.

She also buys grass-fed beef from a local farmer's market for about $6.00 per pound. I’m pretty sure I can get regular beef at a nearby chain for half the price. She says she doesn't trust meat from just anywhere. She also refuses to buy apple juice sourced from China, even though it costs $0.50 to $0.75 less per carton than the juice she buys. On top of all that, she spends a good deal of money on supplements.

Of course, none of this will break the bank. We are generally thrifty. We save more than 25 percent of our take-home pay for investments and retirement and maintain a $50,000 rainy day cash account. So the grocery issue is more of an annoyance than anything, but we do bicker about it weekly.

You’re right, little expenses can certainly add up over time. Your wife may not recognize the significance of the cost difference, however, if she isn’t the one reviewing bank statements or the family budget every week. On the other hand, costs might not matter to your wife at all if she feels that healthy eating is more important than money.

Whatever the case may be, there are a couple of things you can do to reach a compromise. First, make sure the two of you review bank statements and cash flow together every week, so that you’re both aware of how much money is coming in, how much is going out and where money is being spent. From there, discuss the family budget and determine how much of your income should go toward food. In his most recent book The Total Money Makeover, personal finance expert Dave Ramsey recommends spending five to 15 percent of your budget on food. You might consider using this recommendation as a benchmark for starting your discussion.

Since healthy eating is obviously important to your wife though, and saving money seems important to you, the two of you are going to have to find some middle ground. You could work on creating other ways to obtain organic foods without overspending, like gardening or seeking out local organic farmers who charge less than Trader Joe’s. You could also try to identify certain foods that your wife would be willing to purchase that are un-organic. And finally, I’d recommend keeping things in perspective. After all, in the grand scheme of things, is $40 per week worth arguing over?

About the author

Joy Smithson is the program director for the financial stability initiative at United Way of Southeast Mississippi.
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If you believe that organic production is more sustainable or ethical, and you are willing to pay more, then you can make that choice.

If you are buying organics because you think it is healthier, the science just isn't there yet. Actually, there are some studies on both sides, but we are a ways from scientific consensus. There are plenty of Dr. Oz-type folks out there making definitive claims, but that does not mean that credible evidence exists. Certainly, people have the right to choose.

Part of the problem in this case is that she is spending money on something that he is not convinced he wants. Maybe the extra $40 should be considered discretionary spending by her. You are now justified in spending $40 on one of your hobbies. You're welcome. Or you could "hide" the money in a savings account, thus satisfying your desire to save money.

Really, if I were you, I would look at the $40 as a "happy relationship tax," and get back to lovin' on her!

You're wrong. Let me tell you why and be careful at reading.

Non-organics food come with agrotoxics (or, as I prefer to say, pure poison), as you should know. Cleaning this food with water, tough bitter and harder you try, doesn't grant the removal of toxins your food incorporated through its early life development.

The bad side of agrotoxics is that you're likely to develop some digestive-system cancer in the long term. Cancer rates are alarming and reaching records in the latter years, and it is expected to grow in the future.

Organics is certified to be free of agrotoxics. Moreover, it has positive effects on you health; search for it.

My advice for you is: Put in your accounting the healthcare spendings of the future. In fact, you're saving money (and, as a plus, saving health) buying organics food.

When we are young, we see no dangers; as we grow up, we come to know umconfortable truths.

They're already being frugal - as he says in his note this is more of an annoyance.

Couple of things to consider -

Long term savings vs short term savings - I only buy organic milk. Because it's ultrapasteurized, it lasts longer and tastes better so it's less wasteful for me than buying milk and having to toss half of it after a few days. I've found with a lot of organic purchases that I avoid the kind of waste I have with cheaper groceries.

Safety - There are things I buy processed overseas - apple juice or fruit juices especially if there are kids involved are not among them.

Look at it this way -I bought and people I know bought pet treats processed overseas. A couple of those animals got poisoned in the last go round with dog treats & dog food made in China. Thankfully, not mine. But I know a couple of people wiht huge vet bills and a couple where even huge vet bills didn't save the animals.

How much worse would it be if it were you or your wife and not the dog?

Last, Taste. She may be able to taste a difference that you or I do not taste. My b-i-l grows a lot of his own vegetables and eats only the neighbor's eggs. He can tell the difference, I can't. When I can tell a difference like with the milk, I pay more. Or canned peas where I really can't stand the store cans anymore and organics I can.

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