The funny thing is it's not like Phil is even spending his money on quality overpriced meals. From everything he reveals about his eating habits, he's primarily ordering fast food. It's so expensive because he refuses to drive a few blocks to pick it up and he seemingly orders too much food each time and throws a portion of it away. This is just a rough guess, but I'd say every delivery he's probably wasting around $10 to $15 between extra charges, tipping whatever bare minimum he justifies so he isn't blacklisted and whatever gets thrown out.