4. Stop eating out
You probably don’t realize how much you spend while eating out. Because if you noticed, now you would be a cooking enthusiast. You should steer clear of restaurants.
An occasional visit at a nice restaurant is okay, but the savings can add up if you start cooking at home or bringing lunches to work instead of eating out every single day.
Take baby steps and start cooking at home at least once a week. The next week, start taking your lunches to work. You may be surprised to see how much money you can save. Just imagine that over a 40-year period, packed lunches can save you anywhere from $1,300 per year, to more than $50,000 a year.