Rencanakan dan masak makanan Anda. Buat daftar pangan Anda. Kontrol belanja impulsif Anda. Kurangi tagihan televisi kabel Anda. Carilah pemasok utilitas. Jangan sampai terkena denda terlambat dan overdraft.

Given the above summary, write a detailed text in English for it.
According to the United States Healthful Food Council (USHFC), Americans spend about half of their food budgets on take out..  For some families, this means spending hundreds of dollars per month, not only on restaurant food, but also on prepared foods such as chicken fingers.  If the average restaurant or take-out meal costs $13 per person, and the average cost to cook a meal at home is $4 per person,, then a family of four can save quite a bit of money by cooking at home just two times more per week.  Using these assumptions, the average cost of take-out or restaurant meal for a family of four is $52 ($13 x 4 = $52), and the average cost of meal cooked at home for a family of four is $16 ($4 x 4 = $16). So, the weekly savings from cooking two meals at home would $72 ($52 - $16 = $36; $36 x 2 = $72). By cooking at home two times more per week, a family of four could save as much as $288 per month on food ($72 x 4 weeks = $288). If you are going to make the effort to cook your meals, write out a grocery list and take it with you when you go shopping.  Prepare your grocery list based on food category, such as breads and grains, produce, meat and seafood, etc.  Purchase only what you need to make the meals on your menu plan.  Purchase fresh foods wherever possible.  Processed or canned foods are not only less healthy, but they cost more per unit.  Avoid bottled water.  It would be less expensive to purchase reusable water bottles and fill them with filtered water.  Canned, frozen and prepared foods cost more per unit than fresh meats and vegetables. It’s easy to justify splurging on a cool new gadget, a stylish pair of shoes or even a tasty dessert, especially if it isn’t that expensive to begin with.  However, impulse purchases add up over the course of a month.  Learning to control impulse spending can help you stop spending more than you earn.  You can control your impulse spending with a few practical tips.  Use cash instead of credit. While it may be more convenient to use plastic for all your purchases,...