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Make it easy, and commit to themes! I’ve never heard anyone groan about Taco Tuesday. If your transaction history is full of mid-priced family restaurants, then meal-planning may be your weak link. Even if you spend a little money on the spread, staying in can be far less expensive than a night out on the town. If your weekends are the problem, why not invite friends over for a potluck? Or you can grab take-out together. Instead of eating lunch at restaurants with your favorite coworkers, maybe you could meet them in the park or cafeteria (so that budgeters can brown-bag it). Or replace your snack with a walk! Quality Time If your afternoon snack is just the excuse you need to take a break, then buy treats at the grocery store, and keep them in your desk. 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.
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