Disclaimer: Blog written by Ramsey Solutions on July 30, 2024 (see below for full copyright information). The views and opinions expressed in this blog are solely those of the original authors and other contributors. These views and opinions do not necessarily represent those of FinancialEdge Credit Union.

Every day it’s the same story. Midday your stomach starts growling. But all you’ve got in your lunch bag is a half-squished banana and some hopefully not expired peanut butter crackers you found in the pantry on your way out the door.

We’ve all been there. But let’s change it up. Here are 10 cheap lunch ideas (and some shopping tips) so you can get out of this food rut and onto some serious savings.

1. Simple Sandwiches

Estimated cost per meal: $5

There’s a reason this cheap lunch idea is such a classic for kids to take to school. It’s easy to make and easy on the wallet. You can go really old school with a PB and J or try the meat and cheese route.

For the sandwiches:

• A loaf of bread
• Deli meat
• Cheese
• Lettuce
• Condiments

Side suggestions:

• A bag of apples or a bunch of bananas
• Carrots
• A nice salty side (like pretzels)

If you don’t get too fancy with your brands, you’re looking at around $5 a meal.

Pro tip: You can totally eat healthy on a budget. Start by picking fruits and veggies that are in season and sides that are on sale.

2. Wraps

Estimated cost per meal: $5–6

A wrap is a heck of a lot like a sandwich, but with a twist. Literally.

For the wrap:

• The wrap itself (pita, naan, tortilla or lettuce)
• A spread (hummus, tzatziki, sour cream or guacamole)
• Protein (rotisserie chicken, deli meat, beans or tofu)
• Toppings (lettuce, dried fruit, tomatoes, cucumbers, feta cheese, pickles or avocado)

Side suggestions:

• Fruit
• Rice cakes, chips or pretzels

You’re looking at a simple, cheap lunch idea coming in about $5–6 a pop.

3. Chicken Salad

Estimated cost per meal: $5–6

If you haven’t had chicken salad in a while, there are so many ways to make it way more interesting and tastier than the classic canned meat and mayo situation.

For the chicken:

You can buy a rotisserie chicken or throw 3 pounds of chicken in the crockpot on Sunday with water, a bouillon cube, and whatever seasoning you like. Cook and then shred it up.

Possible binding ingredients:

• Mayo
• Smashed avocado
• Plain Greek yogurt
• Cottage cheese

Other possible ingredients:

• Grapes
• Apples
• Almonds
• Celery
• Hard-boiled eggs
• Pickles

Serve on:

• Bread
• Wrap
• Croissant
• Crackers

Side suggestions:

• A simple side salad
• Chopped veggies

You probably won’t want all those ingredients in the same chicken salad. Mix it up how you want. There are so many options to make whatever flavor profile you want! (Insert chef’s kiss emoji here.)

Pro tip: Wondering how you should flavor your chicken salad? Base your ingredients on the store sales and coupons.

4. Charcuterie Bento Boxes

Estimated cost per meal: $6–8

Nothing says “party time food” like a charcuterie board. Take that party to work by packing it into a bento box.

Possible ingredients:

• Deli meats
• Pepperoni
• Cheese
• Crackers
• Pickles
• Fruit
• Nuts
• Jams
• Olives
• Carrots
• Cucumbers
• Zucchini
• Peppers
• Hummus
• Pretzels

Yes, we just packed girl dinner to go.

You can even finish off some of the random bits of snack items hiding in your pantry. Just don’t take the party vibes too far. Leave the confetti and balloons at home.

Pro tip: We can’t stop singing the praises of Aldi, especially when it comes to charcuterie items. If you’ve got one in your area, see how much you can save on lunches—and all your other meals too!

5. Salads

Estimated cost per meal: $4

Want a healthy lunch idea for work? Well, a premade salad from a restaurant, or even the grocery store, will cost you a pretty penny. (Where did that phrase come from? Are pennies pretty?) Time to DIY and save.

Use segmented reusable containers to separate the lettuce and other dry ingredients from anything that would make your awesome meal a mushy mess.

Possible ingredients:

• Lettuce
• Salad dressing
• Cheese
• Tomatoes
• Cucumbers
• Peppers
• Beans
• Deli meat
• Hard-boiled eggs

Healthy, cheap lunches for the week? Check.

6. Mason Jar Meals

Estimated cost per meal: $4

You can go the mason jar route and make a lunch that’s a feast for the eyes and the mouth.

Start with dressing first (so the whole thing doesn’t turn into soggy city). Then add chopped fresh veggies (carrots, cucumbers, tomatoes). Throw in some canned items (beans, corn, peas). Then add your protein (feta cheese or hard-boiled eggs). Finish with cooked-and-cooled rice or quinoa

Hey, this sounds a lot like a fancy, and still thrifty, beans and rice situation—which we love around here. Cheers to this cheap lunch idea.

7. Soups

Estimated cost per meal: $3

The best part about soup (besides how it warms our bodies and our hearts)? One recipe makes enough for you to enjoy all week!

And it doesn’t have to be hard. Here are two options to get you started.

Green Chili Chicken Soup

1. Toss all this in a crockpot:

• 2 pounds boneless, skinless chicken breasts
• 2 cans diced tomatoes and green chilies
• 2 cups chicken broth
• 2 tablespoons taco seasoning
• Half a chopped onion
• As many diced canned jalapenos as you like

(Kick it up a notch by adding some of that jalapeno juice—if you can handle it!)

2. Cook on low for 6–8 hours.
3. Remove the chicken, shred it, and return it to the pot.
4. Portion it into five airtight containers.
5. Enjoy. All week long!

Taco Soup

1. Add the following into a large pot (including liquid from cans):

• 1 pound ground beef, browned and drained
• 1 can corn
• 1 can kidney beans
• 1 can pinto beans
• 1 can petite diced tomatoes
• 1 can diced tomatoes and green chilis
• 1 packet dry taco seasoning

2. Stir well.
3. Bring to boil.
4. Simmer for 15 minutes.
5. Portion it into five airtight containers.
6. Enjoy. All week long!

Both of these quick and easy recipes are such a good price per serving (under $3). So you’ve got plenty of room in the budget to whip up some cornbread muffins from a box mix (or buy sour cream or shredded cheese for toppings) and still have a great cheap lunch idea.

8. Pasta Salads

Estimated cost per meal: $4

Pasta salad is a classic side at summer cookouts. But who’s to say you can’t have it as a main course for lunch? No one. And the three best perks of this dish? You serve it cold, personalize it with ingredients you love, and make it ahead to eat on through the week.

Start by cooking a box of your favorite kind of pasta following the package’s directions. Once it’s cool, add half a cup of your preferred salad dressing. Then throw in whatever you like: pepperoni slices, a chopped-up cucumber, a diced-up tomato, a small container of feta or some parmesan cheese, and a can of chickpeas if you want to make it more filling.

Grab a bag of apples or oranges as a side, and you’re set.

9. Tacos/Burrito Bowls

Estimated cost per meal: $5

Who says Taco Tuesday should be limited to one day a week? (Okay, the title itself, but you get what we mean.) Spread the love all week long by cooking your meat and prepping all those taco fillings on the weekend to go in a tortilla, on some chips, or on a bed of rice throughout the week. (You can change it up a bit day to day by swapping out those three base ingredients.)

You can toss 3 pounds of frozen chicken, a packet of taco seasoning, a cup of water, and a 24-ounce jar of salsa in a crockpot. Cook on low for 6–8 hours. Then drain out some of the juice (leave some in the pot!), shred up the chicken, and portion it out in containers for the week. Open a can of corn and chickpeas (plus whatever else you love) and put equal amounts in each container.

Then make separate bags of lettuce, cheese and tortilla chips for each day. Put your tacos or taco bowls together at lunch so they stay fresh. It’ll turn your midday meal into a fiesta for your mouth.

10. One-Sheet Recipes

Estimated cost per meal: $5

Here’s another idea for something to make on Sunday and portion out for most of the week: one-sheet wonder recipes! They’re great because you literally throw all the ingredients on one pan to cook. We’ve got a One-Sheet Chicken and Potatoes recipe card at the end of this article you can try ASAP.

For a fresh side to add to it, buy yourself some carrots, peppers and a dressing for dipping. Then you’re good to go.

Shopping Tips for Cheap Lunches

Okay, you’ve got some practical cheap meals to try. Now here are some practical savings tips to help you get an even bigger bang for your lunchtime buck.

Meal prep with a friend.

Doing your weekly lunch prep with a friend helps in three ways.

One: You create accountability. When you’re trying to save money on food, it helps to have someone in on the goal with you.

Two: You can save money. If you two (or three) plan your recipes just right, you can split grocery costs. Heyo!

And three: This chore is way less boring with a friend. So, crank up the good times playlist and rock those cheap lunch ideas. Together.

Pro tip: If you’re cooking with a group, check prices to see if buying in bulk and splitting the overall cost is a thriftier way to go.

Chop your own veggies.

Want another grocery savings hack? Cut up your own fruits and veggies. That’s right: Prechopped foods cost more. It’s worth your time to do the slicing yourself rather than paying someone else to do it!

Avoid individually portioned sides.

While you’re at it, portion out all your own sides. Buy the full bag of chips or pretzels and sandwich bags. On Sunday, create your own individual portions for the whole week.

Purchase some small Tupperware and make your own ranch or hummus cups for those veggies. Buy the large tub of Greek yogurt . . . you get the idea! You’re also getting the idea that a little extra work equals a lot of extra savings. Worth it.

Pro tip: Hey, those name-brand chips might be calling your name because of the fancy bag and better marketing. Not because of the better flavors. But those eye-catching packages and all that marketing costs the company money—which, in turn, costs you money. Try generic brands, cut out that middle man, and save some serious money in your grocery budget.

Warm up those leftovers.

This tip for a cheap lunch idea isn’t about a particular recipe—it’s about whatever recipe you used the night before. Don’t let your dinner leftovers die a moldy death in a giant Tupperware. Go ahead and portion it out for a few cheap lunches that week! You’ll waste less food and save more money. Winner winner, leftover dinner.

Shop around for the best grocery prices.

Loyalty is a fantastic quality. It makes you a great friend, family member and worker. But loyalty to a grocery store could be zapping your grocery budget. So, shop around for the cheapest grocery store in your area.

While you’re at it, test out online grocery delivery too. Yes, really. Even with subscription fees and tips, sometimes this method can help you stay on budget. You watch the total add up and can delete things from your cart before you check out. Plus, you’re less likely to impulse buy those triple-stuffed white-fudge-covered sandwich cookies if you aren’t staring them face to . . . package.

However you find the best prices, save your loyalty for your relationships with people—not pricey grocery stores.

Put lunch items in the meal plan.

We can’t talk about cheap lunch ideas without mentioning our favorite food savings tip.

Meal planning is deciding up front—and on purpose—what you’re going to eat for all your meals. Breakfast, lunch, dinner and even snacks. When you get intentional with your planning and spending like this, you’ll spend less on groceries for all your meals.

Cheap Lunch Ideas Need a Budget

If you’re looking for cheap lunch ideas, you’re probably on a mission to save money. Maybe that’s because inflation has things feeling tight or because you’ve got financial goals you’re ready to hit. Whatever the reason, first—bravo for being proactive with your money.

Second, we’ve got one more tip that will help you take all these savings to the next level. Budgeting.

That’s right. Budgeting is simply making a plan for your money. Every single dollar. Because you work hard for it! And it should work hard for you. If you aren’t budgeting yet, or you want an easier way to do it, check out EveryDollar. The average new EveryDollar budgeter finds nearly $400 in their first month! That would go so dang far in helping with those savings goals.

Okay, now you’re armed and ready with cheap lunch ideas. Time to fill your stomach without emptying your bank account. Bon appétit!

Copyright: Blog written by Ramsey Solutions on July 30, 2024.

10 Cheap Lunch Ideas - Ramsey (ramseysolutions.com)

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