For my food I buy an Instacart gift card and then just go pick it up when it's ready. My insurance is through a friend who pays dollars and I pay them back in Monero and the phone bill is another gift card.
Edit: I am very seriously thinking about launching a phone service that accepts Monero only and would be a stable price in Monero.You can get some pretty decent deals from the carriers if you have more than a few lines on a business account.