27 cheapskate dinners that are secretly saving your retirement fund

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Cheapskate dinners might sound like something you’d avoid, but these recipes are secretly saving your retirement fund while still being great. Think about it: you get to eat well and stash away more cash for your golden years. It’s like having your cake and eating it, too, except the cake is a budget-friendly meal that doesn’t taste like cardboard. These dinners are perfect for anyone who wants to keep their wallet happy without sacrificing flavor.

Cheesy spinach and chicken casserole.
Spinach Chicken Bake. Photo credit: Real Balanced.

Shake and Bake Pork Chops

Two shake and bake pork chops on a plate.
Shake and Bake Pork Chops. Photo credit: Real Balanced.

Shake and Bake Pork Chops are easy and economical, making them a superb choice for anyone looking to save for retirement. Coat the chops in mayo, breadcrumbs, and herbs, then bake them until golden. The mayo keeps the meat moist inside while the outside gets crispy. Buying pork in bulk saves money, and using simple ingredients cuts down on costs. Perfect for a filling dinner at home without stretching your budget, this meal helps you put aside more for the future.
Get the Recipe: Shake and Bake Pork Chops

Garlic Butter Chicken Bites

A plate of garlic butter chicken bites.
Garlic Butter Chicken Bites. Photo credit: Real Balanced.

Garlic Butter Chicken Bites are a cost-effective meal supporting retirement savings goals. They require inexpensive chicken and basic pantry staples, making them a great budget-friendly meal option. The dish starts with boneless, skinless chicken breasts cut into bite-sized pieces, coated in a mixture of cornstarch, pan-fried, and then tossed in a garlic butter sauce. This dish helps reduce dining out expenses, saving you more for your future. It’s perfect for those who want to enjoy a delicious meal without the high cost, contributing positively to your financial planning.
Get the Recipe: Garlic Butter Chicken Bites

Tuna Macaroni Salad

Close-up of a creamy pasta salad sprinkled with paprika and garnished with chopped herbs in a white bowl.
Tuna Macaroni Salad. Photo credit: Real Balanced.

This Tuna Macaroni Salad is a straightforward choice for anyone looking to manage their budget. Mix elbow macaroni with canned tuna, hard-boiled eggs, mayonnaise, sweet relish, and mustard for a no-frills, cost-effective meal. Ready in just 20 minutes, this dish is perfect for busy days when time and money are at a premium. It uses common kitchen staples, reducing the need for extra grocery trips. Saving on daily meals can add up, helping you put more away towards your retirement funds.
Get the Recipe: Tuna Macaroni Salad

Chicken Tater Tot Casserole

A casserole dish filled with tater tots, shredded chicken, and corn, topped with melted cheese and green onions.
Chicken Tater Tot Casserole. Photo credit: Real Balanced.

Chicken Tater Tot Casserole is a comforting meal that combines shredded chicken, cream of mushroom soup, frozen tater tots, and cheese into an irresistible bake. It takes about 45 minutes from start to finish and is incredibly easy to prepare. This casserole is budget-friendly and a crowd-pleaser, and you get a filling meal without the high price tag. By cooking large batches, you can stretch your dollar further, taking financial pressures off and boosting your savings for retirement.
Get the Recipe: Chicken Tater Tot Casserole

Sausage and Veggies Sheet Pan Dinner

Sausage and veggies sheet pan dinner with a spoon.
Sausage and Veggies Sheet Pan Dinner. Photo credit: Real Balanced.

Sausage and Veggies Sheet Pan Dinner makes evening meals simple and economical. Toss Polish sausage with a mix of zucchini, broccoli, and sweet peppers on a single sheet pan and roast. It takes about 30 minutes and saves you cleanup time. This meal minimizes waste and cost and is great for a quick dinner that supports your busy lifestyle by cutting down on kitchen time without sacrificing meal quality. Every penny saved with such efficient cooking can contribute more to your retirement savings.
Get the Recipe: Sausage and Veggies Sheet Pan Dinner

Easy Tuna Noodle Casserole

A casserole dish filled with pasta and peas.
Easy Tuna Noodle Casserole. Photo credit: Real Balanced.

Easy Tuna Noodle Casserole is the ultimate budget-friendly dish. It uses pantry staples like egg noodles, canned tuna, and peas to create a delicious meal. It’s quick to make and perfect for storing, allowing you to enjoy leftovers throughout the week. This dish is especially valuable for those looking to reduce grocery bills and make meal preparation less of a chore. Consistent meal savings contribute directly to your retirement fund, making financial planning simpler and more effective.
Get the Recipe: Easy Tuna Noodle Casserole

Reuben Bowls

A bowl of coleslaw with creamy dressing, garnished with green onions, served in a ceramic bowl with a fork.
Reuben Bowls. Photo credit: Real Balanced.

Reuben Bowls is a quick, economical meal option that is easy to prepare in 30 minutes. This dish features sliced corned beef, cabbage or coleslaw, sauerkraut, and melted Swiss cheese, all topped with homemade Thousand Island dressing. It’s a practical choice for anyone with a tight schedule seeking to save money without sacrificing taste. By keeping meal costs low, you can direct more of your budget toward retirement savings, enhancing your financial security in the long term.
Get the Recipe: Reuben Bowls

Spinach Chicken Bake

Creamy spinach chicken bake in a glass baking dish.
Spinach Chicken Bake. Photo credit: Real Balanced.

Spinach Chicken Bake is a cost-effective and straightforward meal that combines chicken thighs with cream cheese, mozzarella, fresh spinach, and a selection of spices for a hearty and comforting dinner. This dish is easy to prepare and can be frozen for future meals, making it a perfect option for busy weeknights. The creamy and cheesy flavors are a hit for kids and adults, making dinnertime stress-free and manageable. By saving time and money with such efficient meals, you’re adding more to your retirement funds.
Get the Recipe: Spinach Chicken Bake

Stuffed Bell Pepper Casserole

Stuffed bell pepper casserole in a pan with a wooden spoon.
Stuffed Bell Pepper Casserole. Photo credit: Real Balanced.

Stuffed Bell Pepper Casserole turns traditional ingredients into a budget-conscious feast. Ground meat, onions, peppers and diced tomatoes are sautéed together to create a flavorful base. Rice is then added along with broth and seasonings for a robust flavor profile. This dish is cooked in under an hour and requires minimal prep. It’s great for using leftover ingredients, reducing waste and helping manage your grocery budget effectively. By preparing larger batches, you can save time and money, allowing you to allocate more funds towards your retirement.
Get the Recipe: Stuffed Bell Pepper Casserole

Cabbage and Sausage

A pan of cabbage and sausage garnished with fresh herbs.
Cabbage and Sausage. Photo credit: Real Balanced.

Cabbage and Sausage is a straightforward, cost-effective dish that combines pantry staples. In under 30 minutes, it creates a comforting combination of textures and tastes, as the cabbage softens while taking on smoked and aromatic flavors from the cooked sausage, butter and spices. It’s a fast solution for a busy weeknight dinner. This meal is affordable and filling, making it great for those looking to eat well without overspending. Choosing cheap and nutritious ingredients helps keep your budget in check, enabling you to save more for retirement.
Get the Recipe: Cabbage and Sausage

Chicken Caesar Pasta Salad

A fresh Caesar salad with chicken, croutons, tomatoes, and dressing, served in a large white bowl with a fork.
Chicken Caesar Pasta Salad. Photo credit: Real Balanced.

Chicken Caesar Pasta Salad is quick and economical, great for retirement savers who need to manage their budget carefully. It combines crunchy romaine lettuce, halved cherry tomatoes, shredded cooked chicken, penne or rotini pasta, and creamy Caesar dressing. This salad uses affordable ingredients, helping you save money and avoid extra store trips. It’s perfect for busy weeknights or quick lunches, allowing you to spend less while enjoying a hearty meal.
Get the Recipe: Chicken Caesar Pasta Salad

Slow Cooker Split Pea Soup

Slow cooker split pea soup in a slow cooker with a spoon.
Slow Cooker Split Pea Soup. Photo credit: Real Balanced.

Slow Cooker Split Pea Soup is perfect for those planning ahead for retirement. It uses inexpensive ingredients like split peas, broth, and ham. Set it in the morning, and you’ll have a hearty soup by dinner. This meal is cost-effective, using the slow cooker to save energy and reduce grocery bills. It’s great for meal prepping, allowing you to save both time and money. This soup is a great choice for those looking to build their savings while enjoying a comforting meal.
Get the Recipe: Slow Cooker Split Pea Soup

Loaded Broccoli Cauliflower Casserole

Loaded broccoli cauliflower casserole in a baking dish garnished with green onions.
Loaded Broccoli Cauliflower Casserole. Photo credit: Real Balanced.

Loaded Broccoli Cauliflower Casserole is a smart pick for anyone looking to save extra for retirement. It combines economical frozen cauliflower and broccoli florets with a delicious cheese sauce topped with more cheese and bacon. Quick to prepare and cost-effective, this dish is great for a no-stress dinner that doesn’t stretch your wallet. By saving on groceries and using simple ingredients, you can allocate more towards your retirement fund while still enjoying a delicious meal.
Get the Recipe: Loaded Broccoli Cauliflower Casserole

Crock Pot Taco Soup

A crock pot of taco soup.
Crock Pot Taco Soup. Photo credit: Plays Well With Butter.

Crock Pot Taco Soup is a budget-friendly meal for anyone saving for retirement. It uses ground beef browned on the stovetop and slow-cooked with onions, cream cheese, diced tomatoes with green chilies, and Mexican-inspired spices like chili powder, cumin, garlic powder, and paprika. Cooked for 4 hours on high or 6-7 hours on low in a slow cooker, this gluten-free soup results in a warming, protein-rich meal that relies on straightforward ingredients. It’s a practical choice for stretching your dollar further, allowing you to enjoy hearty meals while boosting your retirement savings.
Get the Recipe: Crock Pot Taco Soup

Baked Ravioli

A close-up of a cheesy baked ravioli garnished with herbs, with a fork lifting a portion to show the melted cheese.
Baked Ravioli. Photo credit: Real Balanced.

Baked Ravioli is for those focused on saving for retirement. It uses affordable ingredients like frozen ravioli and leftover sauces, making it a cost-effective dinner option. This dish is easy to prepare and helps you use up what you have, reducing waste and saving money. Layer upon layer of cheese ravioli, tomato sauce and melted cheeses create a lasagna-like experience using a fraction of the effort of assembling individual pasta sheets. Perfect for a stress-free evening, it allows you to enjoy a delicious meal while putting away extra funds for the future.
Get the Recipe: Baked Ravioli

Canned Chicken Patties

Chicken patties with broccoli on a plate.
Canned Chicken Patties. Photo credit: Real Balanced.

Canned Chicken Patties are made using economical canned chicken, mixing it with eggs, Parmesan, sunflower seed meal, and a dash of spices. This dish is ready in just 20 minutes, perfect for quick dinners. It’s great with a side of veggies or a fresh salad and can be stored easily in the fridge and freezer for future meals. You’re slashing meat costs without sacrificing the needed protein by relying on canned chicken. This recipe is perfect for busy people looking to manage their spending while still enjoying a good meal at home.
Get the Recipe: Canned Chicken Patties

Bacon Ranch Chicken Salad Cucumber Boats

Bacon ranch chicken salad cucumber boats lined up on a plate.
Bacon Ranch Chicken Salad Cucumber Boats. Photo credit: Real Balanced.

Bacon Ranch Chicken Salad Cucumber Boats transforms budget-friendly ingredients into delicious, refreshing cucumber boats. Mix canned chicken with bacon, cheese, and spices to fill cucumber halves for a light meal or snack. It’s an ingenious way to stretch your ingredients further while keeping costs low. Ready in just a few minutes, these cucumber boats are great for a quick bite that’s easy on your wallet, making them a strategic choice for saving money that can be put toward your future.
Get the Recipe: Bacon Ranch Chicken Salad Cucumber Boats

White Bean Soup

A bowl of white bean soup with carrots and croutons.
White Bean Soup. Photo credit: Real Balanced.

This White Bean Soup is a hearty, nutritious meal you can make in about 40 minutes using canned beans, vegetables, and spinach. Hal of the beans are pureed to create a creamy texture, enriching the soup without the need for cream. This affordable meal is for health-conscious eaters on a budget. It’s a filling option for dinner, especially when you’re looking to save on groceries. Each serving helps you keep costs down, proof that economical meals can also support a balanced diet.
Get the Recipe: White Bean Soup

Creamy Ground Beef Skillet with Cauliflower Rice

Ground meat dish topped with melted cheese and garnished with herbs in a skillet.
Creamy Ground Beef Skillet with Cauliflower Rice. Photo credit: Real Balanced.

Prepare a delicious meal in 30 minutes with Creamy Ground Beef Skillet with Cauliflower Rice featuring ground beef, cheddar cheese, cauliflower rice, and mushrooms. It’s all cooked in one pan for easy prep and minimal cleanup. Ground beef and cauliflower are a cost-effective way to include protein and veggies in your diet. This meal is filling and perfect for saving time and money, which can help you focus more on financial goals like retirement savings. It’s a practical meal for anyone looking to cut corners financially without losing out on quality.
Get the Recipe: Creamy Ground Beef Skillet with Cauliflower Rice

Broccoli Casserole

A casserole dish with broccoli and cheese in it.
Broccoli Casserole. Photo credit: Real Balanced.

This Broccoli Casserole combines fresh broccoli with a rich soup. Cream of mushroom soup, eggs, and sour cream come together with melted cheese to create a rich and velvety sauce. This dish is a cost-effective way to make a large, delicious meal perfect for family dinners. The casserole is great for leftovers and can help stretch your food budget. By making meals like this, you’re saving money and preparing delicious, hearty food that makes sticking to a budget much easier.
Get the Recipe: Broccoli Casserole

Jalapeño Popper Chicken Salad

A glass bowl of jalapeño popper chicken salad ingredients.
Jalapeño Popper Chicken Salad. Photo credit: Real Balanced.

Kick up your mealtime with this Jalapeño Popper Chicken Salad, featuring baked chicken, crispy bacon, charred jalapeños mixed with mayo or sour cream, hot sauce, and spices. This salad brings a bold taste and a great crunch, making it a great option for a low-cost yet flavorful meal at home. It’s a clever way to save money by cutting down on restaurant bills, and the spiciness adds excitement to your dining without straining your wallet. This dish is perfect for those looking to spice up their meals while focusing on savings.
Get the Recipe: Jalapeño Popper Chicken Salad

Cheesy Beef Casserole with Cauliflower Rice and Spinach

Cheesy beef casserole with cauliflower rice and spinach being spooned out of a baking dish.
Cheesy Beef Casserole with Cauliflower Rice and Spinach. Photo credit: Real Balanced.

Cheesy Beef Casserole with Cauliflower Rice and Spinach is quick to make and combines ground beef, cauliflower rice, spinach, and cheddar cheese. Ready in about 30 minutes, it can also be frozen for future meals. It’s a smart, economical meal that stretches your ingredients and helps manage your food budget effectively. Perfect for families, this dish ensures you can enjoy a delicious dinner multiple times without frequent shopping trips, aiding in your financial management efforts.
Get the Recipe: Cheesy Beef Casserole with Cauliflower Rice and Spinach

Green Chile Chicken

Green chile chicken in a pan with a wooden spoon.
Green Chile Chicken. Photo credit: Real Balanced.

Green Chile Chicken is an economical choice for saving on your weekly grocery bill while preparing a delectable dinner in just 20 minutes. This dish combines chicken, green chilis, jalapeños, and cheddar cheese into a creamy, mildly spicy meal perfect for busy evenings. Serve it over rice or tucked into tacos for a varied dining experience. Using leftovers for this recipe saves money and reduces food waste, making your life easier and supporting your financial goals for retirement.
Get the Recipe: Green Chile Chicken

Mini Spicy Canned Salmon Patties

Mini spicy canned salmon patties in a serving bowl.
Mini Spicy Canned Salmon Patties. Photo credit: Real Balanced.

Mini Spicy Canned Salmon Patties are a budget-conscious solution for anyone looking to eat well while saving money. These patties combine canned salmon, eggs, jalapeños, and ground pork rinds into an economical and delicious mix. Ready in half an hour, they are perfect for quick dinners or as a hearty snack. By choosing cost-effective canned salmon, you’re making a smart financial choice that gives you a delicious meal option supporting your retirement savings plan.
Get the Recipe: Mini Spicy Canned Salmon Patties

Cheesy Fajita Baked Chicken

Cheesy chicken fajita bake in a baking pan.
Cheesy Fajita Baked Chicken. Photo credit: Real Balanced.

Cheesy Fajita Baked Chicken is an affordable dish that brings together chicken, cream cheese, mozzarella, and sweet peppers for a flavorful Mexican-inspired meal. Ready in just 30 minutes, it’s a great choice for a fast and filling dinner at home. Serving this with a side salad or steamed broccoli turns it into a complete meal that keeps your budget in line. This dish helps you save time and money, essential for anyone trying to build their retirement savings while enjoying good food.
Get the Recipe: Cheesy Fajita Baked Chicken

Fried Cabbage with Bacon

A pan full of bacon and cabbage with a wooden spoon.
Fried Cabbage with Bacon. Photo credit: Real Balanced.

Fried Cabbage with Bacon is a quick and economical meal that uses simple ingredients like cabbage, bacon, and onion to create a delicious dish. It cooks in minutes and is a great way to use what you already have at home. This meal is not only easy on your wallet but also helps reduce food waste. Perfect for those busy nights when you need something straightforward and delicious, it keeps your spending low and satisfaction high, contributing positively to your financial well-being.
Get the Recipe: Fried Cabbage with Bacon

Chicken Corn Soup

Two bowls of chicken corn soup garnished with parsley.
Chicken Corn Soup. Photo credit: Real Balanced.

Chicken Corn Soup is a comforting meal that saves money and prepares a hearty dinner. Made with chicken, potatoes, carrots, creamed corn, and corn kernels, it cooks into a rich, filling soup that’s both nourishing and budget-friendly. This soup can be made in large batches and frozen for convenience. It’s a smart choice for anyone looking to stretch their food budget further while enjoying delicious, comforting meals that help pave the way for a secure financial future.
Get the Recipe: Chicken Corn Soup

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