• The Too Good To Go app aims to help consumers save money and reduce food waste.
• I tried it for a week to see how much I could save.
• I found it was most useful for fresh produce, but the pastries weren't always great.

Everything is expensive right now. It's rare that I ever leave the grocery store having spent less than I wanted to.

I've heard of apps like Too Good To Go, which sell surplus food at a discount, but never gone much further than signing up.

To test it out, I spent a week in early December only buying food from the app. I wanted to see if it was a viable way of saving money, sticking to a budget, and learning to be a bit more flexible with my cooking.

I also want to be more mindful about the groceries I buy and, unfortunately, sometimes waste.

Too Good To Go's CEO, Mette Lykke, told me in a recent interview that the app now operates in 19 countries across North America, Europe, and Australia, and covers 170,000 stores.

Lykke said the company hopes to inspire people "to make that the first step in a journey toward having a more responsible relationship with food."

"If we look at the state of the planet and the climate crisis, then it's pretty clear that something needs to change," Lykke said.

It was fun trying out new places in my city, London. While the pastries I received were hit-and-miss, the fresh produce from local stores was a real highlight.

Monday

Monday was largely spent figuring out the platform. I found that its map feature was the best way to find local cafés and stores.

I saw that an expensive café on my local high street offered pastries, so I opted for that — £3.90 ($4.95) for a blueberry muffin, chocolate chip cookie, and slice of banana bread.

After the sugar rush I was still hungry, so I chose a bag of sandwiches and pastries from my local Costa Coffee for £3.50 ($4.44).

I got a slightly stale pan au raisin and two sandwiches — one seasonal turkey feast, and a BLT which my boyfriend took for lunch the next day.

In total, I spent £7.40 ($9.39) on items worth at least £22.90 ($29.08), so the week was off to a good start.

Tuesday

On Tuesday, I switched things up by trying out fresh produce from a couple of local stores. They offered "surprise bags" of groceries for £4 ($5.08) each.

While I was slightly overwhelmed with what to do with it all, it was an absolute hit with my boyfriend, who is always thrilled to be met with a culinary challenge.

One of the bags had Padron peppers, garlic, tomatoes, mushrooms, radishes, and beets. I also received three packets of pita bread, a sourdough baguette, a fruit bar, some buttermilk, and fresh herbs.

The multivitamin patches were a curveball, which I have to admit I didn't try.

In the other bag, I got a melon, some Greek yogurt, lettuce, butter, rainbow chard, and sausages.

The sausages went in the freezer, but almost everything else was used to make a pasta sauce, roasted peppers, sauteed mushrooms, buttermilk pancakes, and basil oil. The beets got pickled.

The only thing we ended up having to waste was the watercress, which was already looking past its best.

In total, I spent £8 ($10.16) on items worth at least £24 ($30.48).

Wednesday

Tuesday's groceries went further than expected, so I bought another pastry bag to satisfy my snackiness during the day.

I'm not convinced the sourdough loaf and pastel de nata (which I squashed) I got for £4.09 ($5.19) truly had a full sale value of £12 ($15.24), but they were both pretty good.

The server recommended putting the loaf in the freezer and toasting the slices, which was a great tip that lasted me the rest of the week.

Thursday

I knew I was out for dinner with friends on Thursday so I picked up some Starbucks pastries on the way. This was the biggest letdown of the experiment.

Throughout the week, I realized that several cafés don't offer anything until quite late in the day, by which time the food has been sitting out for hours. This makes sense from their perspective, but it does mean that some of the food isn't at its best.

But for £2.50 ($3.18), a muffin, cookie, cinnamon bun, and cheese stick is certainly better than nothing.

In total, I spent £2.50 ($3.18) on items worth at least £7.50 ($9.52).

Friday

I'd been eyeing up a nearby Bangladeshi restaurant all week, so knowing I had a night in alone on Friday, I went for the £4.09 ($5.19) curry bag they were offering.

I got a few bhajis, some chicken and rice, two veggie curries, more rice, some okra, and what I thought was probably cabbage.

It was all good and spicy, though the bhajis were slightly stale.

In total, I spent £4.09 ($5.19) on items worth at least £12 ($15.24).

The results

For the whole week, I spent £26.08 ($33.11) on £78.40 ($99.54) worth of food.

Not every bag felt like amazing value. But some, especially the grocery bags, were genuinely impressive.

The experience taught me a lot about how to be flexible. I'm now committed to focusing less on "use by" dates on food and sticking to the safety assessment Lykke taught me — "look, smell, taste, don't waste" — before throwing things out.

My advice for anyone downloading Too Good To Go is to use it with foresight. The app is great for saving money for those on a strict budget who are OK with some compromises.

Too Good To Go is available in huge stores in the UK (such as Asda) and the US (including Whole Foods), so there are plenty of places to try.

Lykke told me the nice thing about Too Good To Go is you don't have to give anything up, and she's right. From a quick scan of my area, there is bubble tea, ice cream, Turkish food, burgers, doughnuts, and more. You don't get to choose exactly what you want, but as long as you don't mind a bit of a surprise, it's worth a try,

"You actually get good food, it's a good deal, and you do something good," Lykke said. "It's win-win for businesses, for consumers, and for the planet."

• A financial guru has criticized strict budgets, advocating for intuitive spending instead.
• Budget culture is seen as restrictive, leading to potential "budget burnout."
• Experts suggest balancing intuitive spending with realistic budgeting for financial health.

Saving money and paying off debts can feel like an endless cycle, which is why financial gurus are so keen on budgeting.

But Dana Miranda, a certified personal finance educator, told CNBC Make It in a recent interview that strict spending plans can be "toxic."

Miranda, who is also the author of "You Don't Need a Budget," told the outlet that budget culture is based on "restriction, shame, and greed," and there's little concrete evidence it works in the long term.

Instead, she recommended "intuitive spending" and thinking about your money "moment by moment." Rather than punishing themselves for overspending, people should reward themselves when they save, Miranda said.

Not all financial pros are in agreement, though.

Katrin Kaurov, the CEO and cofounder of the social financial platform Frich, told Business Insider it's true that "everyone hates budgeting."

But she isn't convinced intuitive spending is a good alternative. For some, it can increase debt and result in purchases they don't need.

To budget or not to budget

Doug Carey, a chartered financial analyst and founder of the retirement and financial planning software WealthTrace, told BI that whether to budget is a question that comes up with many of his clients.

Generally, he said he disagrees that people must have a set budget and stick to it. As long as someone can max out their 401(k) contributions and save enough for emergencies, "they can use their intuition for spending."

For these people, it is pretty obvious when they are spending too much, Carey said, because they'll dip into savings.

Budgets can be too limiting for people who are more flexible in their income, such as freelancers or contractors, for example, because these systems don't often allow for easy changes.

Carey said the "micromanagement" of daily things can also "obscure the bigger picture of your financial health," such as long-term financial goals such as retirement savings or building wealth.

"This can create a negative association with managing money and lead to 'budget burnout,'" Carey said. "Many give up on budgeting when they feel like they cannot live within the strict limits of the budget."

Trial and error

Budgets can be more universally helpful if they make room for flexibility.

Kaurov told BI that budgeting isn't inherently toxic, "but many people create budgets with too much enthusiasm and optimism for how little money they will spend from month to month."

People spend more during the holidays, for example. So using December's budget in January probably won't work.

Kaurov said a budget should be about creating a realistic guideline for spending and saving. If you've set one you can't follow, you should rethink it, she said.

"Budgeting is a tricky — but important — skill for people to learn when they're starting to manage their money," she said. "Trial and error is crucial and will allow people to find what kind of budget works best for them."

The grass isn't always greener

Intuitive spending sounds like a good idea, but it may be a case of "the grass is always greener," Kaurov added.

"For so many, especially younger people who are often on a tighter budget anyway, it's a really poor financial habit to develop," she said.

For those who are partial to impulsively buying trendy items from social media ads, "intuitive spending" can quickly turn into overspending on things you don't need.

Julie Guntrip, the head of financial wellness at Jenius Bank, told BI that rather than following absolute rules about their spending, people give themselves grace when things don't go to plan.

"Budgeting practices many times fail because people can't stick to them — an individual makes one misstep and decides to give it all up," she said.

A better course of action may be somewhere in the middle.

"Factoring splurges into a budget could be a great compromise for someone who may feel like budgeting is too constraining," Guntrip added. "This practice may actually help someone stick with a budget longer."

• I help people package and monetize their skills, and I've helped my kids do the same.
• From when they were young, they've published books, sold baked goods, and more.
• I encourage these pursuits and talk to them about budgeting and saving money.

I realized early on in my work as a personal branding and executive coach that I had a gift for seeing my clients for who they uniquely were. I could quickly pinpoint a clear opportunity they could tap into to tell their story, share their expertise, or make money from a unique skill.

So, back when my two teens were in elementary school, I intentionally set out to teach them how to boldly package their genius once they had demonstrated skills and services I thought could be marketable.

My sons were open to my suggestions

When my then-9-year-old son Connor wrote a hilarious short story as a fourth-grade class assignment, I encouraged him to keep going and make it longer. I told him that if he wrote a little more, I'd help him publish his story as a book on Amazon.

That motivation proved powerful for a fourth grader, and over the winter holiday break that year, he finished his book "Zombie Tag," which became a playground hit. He wrote two more titles in a series, and they're all still available on Amazon. He did a few book talks and book fairs, and all of his book sale money went into a high-yield CD. He still sells a few copies of his book each month, and all new royalties go directly to a liquid high-yield savings account that he watches grow from an app on his phone.

Logan, who is a year older than Connor, helped with the book marketing and got a percentage of the early sales when they did things like set up at book fairs. Since then, the two have also both earned money from their shared skills; for example, they both had a joint podcast audio editing studio a few years ago with a small roster of clients.

Additionally, they pursue their individual passions, which I encourage. Logan has sold digital art portraits, blank coloring pages, and postcards with original art, and Connor has sold his electronic beats, original podcast theme music he produced on GarageBand, and, most recently, homemade cinnamon rolls. Whenever there is a demand for something they do, I make a point of challenging them to package it in a way a customer can buy — if that's something they're open to doing, which they usually are.

I try to teach them about money and how to save and budget

I think it's important to show them they have agency; they may want to buy concert tickets or new sneakers, but they're not at the mercy of my bank account. My goal has always been to show them that opportunities to make money are as unlimited as their own creativity.

As my children began earning money independently, I encouraged them to save 10-50% of what they made. I've also talked with them about what makes a big purchase "affordable." One lesson that seems to have stuck is that if a purchase will take up more than 10% of their cash on hand, it may be too costly and need to be reconsidered.

That said, they still spend like teens and come to me when they want to buy something out of their budget. But I do believe that once they're on their own and fully financially responsible for themselves, they'll have the basic framework to help them make good money decisions.

I want their creativity to give them a sense of freedom

As a coach, I work with adults who find it difficult to give themselves permission to package their expertise and skills in different ways. I see how hard it is to mentally shift from expecting a paycheck to show up automatically every two weeks to getting creative when you need to earn additional money.

There will inevitably be lean times, and you may need to adapt when fortunes change or might be forced to do something different when the job market dips. I've seen how tough it can be for my clients to flip the switch of monetizing their work. But once they unlock that key skill, they also unlock the peace of mind from knowing they always have what it takes to earn more.

I want my kids to have that now so they're never at the mercy of a toxic boss or job that's not the right fit. I want them to be aware of their innate ability to create opportunities so they aren't always waiting for one to be handed to them. As a mother, I want to give them a sense of their personal power early so they don't fall into the trap of overworking to prove their worth — a trap that too often leads to burnout.

As of now, they've made around $10,000 from book sales, bake sales, audio editing, and digital art sales combined. But whether they make a lot of money from their endeavors or not doesn't matter so much to me. I just want them to be aware that they are powerful and they always have the power to shift their financial futures — regardless of what's happening in the economy.