![]() ![]() Pick a spot that’s agreeable-it doesn’t have to be in your kitchen, or even in your home. If your morning coffee is the carrot you need to get out of the house on time for work, how about a lesser splurge? Would the cost of a good thermos and a reasonably-priced brand of coffee entice you? Make a daily ritual of waking up early enough to prepare and enjoy the coffee. To move the needle towards more satisfaction for less money, try a budget-friendly substitution: A Treat ![]() In these examples, the food is secondary, and there might be a less expensive way to get the thing you truly want. A helpful option when you need the convenience.The game to save even more money with restaurant offers and discounts (the thrill of getting the deal).Outsourced meal-planning (less to do/automation).Quality time with coworkers and friends at happy hour (closer bonds/time to socialize).A treat to get you through your commute or workday afternoon (a break/distraction).The restaurant gets your dollars, but what’s the best part of the trade for you? If it’s not the food, then maybe it’s: To answer this question, turn a critical eye to your motivation. So, when you spend on food away from home, what priorities are you satisfying? (This isn’t just about a full belly!) Your restaurant budget is just a microcosm of your total budget-its job is to help you organize your dollars to best support your priorities. If your restaurant dining is keeping you from reaching your financial goals, it may help to ask yourself… What Are You Really Buying? Over the course of a month, all that eating out can really take a bite out of your budget. We get coffee on the go, grab lunch with friends and leave work too tired to cook at home. Spending a huge amount of money on dining and takeout is an easy trap to fall into for a lot of us. The average American dines out 5.9 times per week and according to 2021 BLS data, the average household spends about $3,500 on eating out every year, or just shy of $300 per month.īut before you go setting your budget at a neat and tidy $300/month and move on, there’s a more important question you should be asking. Feel like it’s out of control? Well, you’re certainly not the only one. ![]()
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