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Expense # 2: Food
First, I'm not going to ask
you to starve yourself or your family. You have to eat.
But you don't have to eat steak out every other night
either. Going out to eat: This will
be a huge sacrifice for most, but you have to stop going out to eat
or getting take out every other night. It's too
expensive. You need to bring your lunch to work and, if you
have a Starbuck's addiction, stop buying $2 cups of coffee.
Many people can save $50 a month just by brewing their own coffee,
another $100 by bringing their lunch to work, and another $200 by
not going out to eat for dinner. Now I know many of you are still going to go out to eat. So when you do go out to eat, which should be seldom and for special occasions, here are a few pointers: 1) No drinks - no beers, no wine, no cokes, no iced tea, no coffee. Only water. Drinks are a killer. One time I was out with 3 other people and we each ordered a soda and got one refill. Little did we know, refills were not free and the sodas were $3.50 each. So we dropped $28 in sodas. That's an extreme, but here is an opportunity to eat healthy by drinking water and save $'s. 2) Coupons - try going out only on 2 for 1 coupons. Only do pick up when you have at least $1 or $2 off. There are coupons for just about everything. Always use coupons when going out to eat. This can save you big bucks every month. 3) No appitizers or desserts. That's right, you don't need all that food anyway. The good news is that you can go on a diet AND save money. What a deal!
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Step #1: Renegotiate debt, consolidate debt, and settle debt 4) Start investing in 401k plan or IRA
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