I think this is a common problem for couples in the UK, especially those with young children.
My wife and I certainly have this issue and ours friends are the same. We’re all in roughly the same position - with one or two young children.
We’re moving house soon and will tackle this issue head on when we do because we know how financially wasteful it is.
As to the causes - I think there’s a few reasons so many have found themselves in this position.
All of us work full time quite demanding jobs, which means we’ve all got a decent amount of disposable income but very little time to properly plan and prepare meals.
I noticed too a big difference during covid and it never really went away. Suddenly every single restaurant became easily available on the apps and it was much easier than masking up and going to the shops.
My wife and I used to grab groceries we needed on our way home from work but now we both work from home, so we’ve become lazy and stopped going to the shops as much as we should to prepare cost effective meals.
Another issue we have is we feel we’ve been in limbo with our house situation for almost a year now. We should move next month but it’s been going on a long time, and we’ve fallen into the trap of not correcting bad habits in the present and instead making detailed plans of how we’ll correct them when we move.
We’ll sort our lifestyle when we move next month, I’ve no doubt. I think many people will be in the process of reflecting as the financial landscape continues to change in the UK.