Quick Tip: Brown Bag It...

One way to cut spending quickly is to quit eating lunch out with your co-workers or friends.  It's fun to go out with them for an hour and shoot the breeze, but even once a week can rob your budget of  $50 a month or more!

Be creative about lunch time and you can still enjoy the company without breaking the bank.  Have everyone bring their lunch and meet outside for a picnic or do a mini-potluck where you each bring something baked from home to share. :)