Cut back. My family can enjoy a decent dinner at home for about ฟ. If we went out, that same dinner would probably cost โ. And some meals, like tacos, spaghetti, chicken, or steaks, really do not take that long to make. If you plan to have some leftovers for lunch or another meal, just a little effort can save you quite a bit. We cut back from about 4 meals out to 2 meals out every week. I do not think this makes us suffer, and we save at least 赨 a month.
Tip _ Allow for Savings _ It is always a great idea to plan to save a certain amount of money each month. This can be the beginning of an emergency fund so when unexpected expenses come your way you don't have to reach for your credit card. This is an important step to getting and keeping yourself out of debt.