Comparing Apples to Äpfeln

At the beginning of 2015, I started tracking all of my grocery expenses. While checking out at the grocery store, I started saying “yes,” when asked if I want to receipt. I take the slip home and sum each item into a category: bakery, fruit, vegetables, dairy and eggs, meat and seafood, dry and canned goods, prepared foods, juices, sweets and junk, flowers, and household goods. I also list the grocery store. And I add the items mentally, because brains need exercise, too.

Yes, in this digital age, I track paper receipts in a spreadsheet. (You’re hearing from the guy who tallied his coins, his cash, and his savings on three separate pieces of paper through his teenage years. Yes, his coins.) Why the paper receipts? Truth be told, I drank a lot of orange juice. I wanted to know how much money I spent on orange juice compared to other groceries. The answer: consistently 8-10% of my monthly grocery expenses were orange juice (until I overdosed on sugar in October 2015, but that’s a story for another post.) I also felt that I was losing conscience awareness of my spending habits when declining the receipt, swiping my card, and walking away. Despite using mint.com to track my finances, I wanted more granularity. Not “how much do I spend on groceries each month?” but “how much do I spend on vegetables compared to bread?”

I continued with my pile of receipts and my spreadsheet through 2016, building 24 months of records. Having answered my question, I took a break in 2017.

Earlier this year, a new question surfaced: is Berlin really less expensive with regard to cost of living than Boston? Anecdotally, the answer is an inarguable “yes.” You can get a whole meal – a döner – for 3-4 €. Paying more than 20 € for a meal is kinda “woah!” A beer costs just a few Euro. Rent is far more affordable. But what about Stephen’s groceries? I needed data.

Berlin loves cash and loves to hate card payments. EC (debit) card? Maybe. Credit card? In your dreams! (Germans are rather risk averse, and why accept money that may not exist.) So, in this city, cash is king, and carrying cash is my first point of advice to anyone who visits Berlin. Though groceries can often be bought mit karte, my card payments are few and far between. Most of my expenses are cash, and it’s hard to track any sort of categorical expenses without the complete digital data.

Behold, my “grocery expenses” spreadsheet has returned to life. I started saying “ja, bitte” I wanted my receipt. (I still don’t know the word for receipt, but I know when to say “yes, please.” (Bitte is actually “you’re welcome,” but the fact that Germans say “you’re welcome” as another form of “please” is another situation for another post.))

So, in the spring, I decided to collect my own data, and I have monthly grocery totals for May, July, July, and September of 2018.

A few considerations:

• In each year, I’ve had lunch provided at work on Mondays, Wednesday, and Fridays.
• I’ve excluded calendar months which I traveled for more than one week.
• 2018’s bakery (bread) tracking is off, because I willingly go downstairs to the bakery in my building for fresh bread/rolls on many weekend mornings. I’ll pay 0,60 € for a fresh Kartoffelbrotchen every day, because yes, potato bread! (I’ll also buy you one if you come visit :).
• In 2015 and 2016, I know my average expenses allocated to restaurants were $170 and $133, respectively. I have no clue how I spent significantly less on both groceries and in restaurants in 2016, compared to 2015. Maybe I mooched more. Maybe I was more fiscally efficient with food. I don’t have restaurant expenses tracked for 2018.

So, how much did I spend on orange juice compared to other groceries, prior to October 2015? 8-10% Is Berlin more affordable to live than Boston? My grocery expenses would argue “no, the cost of living is the same.” Perhaps I’ve upped my standards… doubtful, because I did most of my Boston grocery shopping at Whole Foods (hey! I could literally see it from my bedroom windows! and I totally don’t endorse/support them after the Amazon buyout) and I shop at a variety of Berlin supermarkets from low-end to mid-range.

I really can’t explain why my grocery bills average and range similarly. I need to compare the categorical breakdown between countries and months and years, because I don’t know where the money has shifted. Every time I go to the grocery store, I’m surprised at how much food – especially fresh product – I can get for so little money. e.g. today I purchased a three pound pumpkin, fresh ginger, a package of fresh plums, an avocado, blackberries, 3 fresh figs, a jug of multivitamin juice (I’ve been sick!), and a half-dozen eggs for a whopping 8,96 € ($10.37). So, yes, Berlin is cheap, but I’m still figuring out what’s eating my juice budget.

More research is in order. Perhaps I’ll make the same recipe in Berlin and a future visit to Boston, and we can compare apples to äpfeln.