Weekly Accountability: The Avocado Toast Edition



Look, the only way I will believe that avocados are keeping millennials from buying houses is if avocados suddenly become the currency for buying houses and instead of trading in avocados millennials decide to spread them on toast, crackers, eggs, or even just shove them directly into their mouths. And even then, I think I would be hard pressed to judge them for eating the delicious, superhero of the fruit world than owning property (unless the property had mature avocado trees on it in which case that might be a good deal.)


Frankly, I am happy for a distraction from refreshing the Washington Post every 10 minutes. But, there are far more talented writers in the PF world talking about the avocado toast debacle so I encourage you to read them. Here are some of my favorites.


Avocado toast won’t keep you from buying a house, but it might keep you from building or maintaining an emergency fund. Penny argues that as a trend/fad, avocado toast is no different than a unicorn frap. If you’re they type of person that jumps on every trend, then you’re going to have a harder time saving up for whatever it is you want.

Miss Mazuma breaks down the avocado toast discussion/debate. It’s not about toast, or home ownership, but priorities. There is nothing inherently wrong with buying avocado toast, or a latte, or a weekly night out at the pub. The problem is when people spend their money on all of that and then some, and then complain about not being able to save. If your priority is saving for a house, then some extra spending has got to go. If your priority is self care in the form of avocado toast, recognize that might mean having to cut back elsewhere.

Avocado toast is about intentional living. Desirae Odjick argues that if that toast is the best part of your day, why would you give it up? Spend on what makes you happy or adds to your quality of life and cost cut on what doesn’t. And that’s where I’m at. I budget for avocados every week because they are delicious and a keto superfood and keep me full all day long.

Lastly, how many avocado toasts will it take to buy a house in your market?


Onto the Weekly Update!


May 12:

$200- Monthly payment for house, car and fire insurance. I pay extra most of the year so the last 2-3 months of the year I don’t have any payment at all.

$25.09- Mystery shop, entirely reimbursable. (Also, got a pretty sweet bonus on it!)


May 13:

$25.69- Groceries

$20.31- Filled up the car

$17.05- Big Lots for almond flower. Ibotta had a 10% rebate.


May 14:

$48.57- Mother’s Day brunch. I had bought a gift card but then they chose a different place to eat. It’s okay, though, because we can use it on our car travels this summer.

$25.53- Mother’s Day Dinner. I bought a $50 gift card and this was the remainder.


May 15:

$105.67- Water bill for two months. Whoops!


May 16:

$4.06- Latte (Ugh, I hate how much I pay for coffee but being on keto means almond milk and I am good at making excuses for why I “need” coffee.)


Total: $471.71 with $25.09 coming back to me!


Since I’ve started posting my weekly spending, I’ve noticed a huge drop in my overall spending. Part of it is because going out to eat is no longer as much fun since we started the keto diet (I can’t eat all my favorite fried, carby foods anymore, so what’s the point!) But I think a lot of it is actually visualizing the no spend days and making conscious effort to buy what’s important.


Happy weekend, everyone!


Week 1: $285.64

Week 2: $371.64

  1. Sylvia

    How’s keto going? Have you noticed any upticks in your energy? You should do a post about it and how it’s affected your grocery budget 🙂

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