“Do you spend money everyday,” I asked my friend recently. The reply was “Yes!”.
“How about myself?” Well, I certainly do not spend money everyday. I track my expenses everyday in my spreadsheet. So I decided to count how many days I spend in a month. On average, I end up spending money almost everyday as well. 20 days out of the month is a pretty high ratio! I was surprised by this finding. Since, I am not a big spender at heart!
Even though, I am spending 20 days out of the month. My purchases are controlled and small. I don’t really follow a budget. If I see something I like or need, I will whip out my credit card to make my purchase. I lead a simple life. Most of my major purchases have been made, but there are always things that will pop into the picture which will make a dent in my savings. I will worry about them later.
Food is my biggest daily expenditure. Meal planning is an essential to keep costs down. I try my best to cook in most of the time. But sometimes, if I’m rushed for time or just plain lazy, I’ll go out to grab a bite.
Here are some tips:
When I do buy lunch/dinner, I try to make it last for another meal if the portion is large enough.
I always order water or tea. It doesn’t cost you a thing, unless you ask for bottled water.
At Subway, I usually buy their 6″ pizza sub for $4.00. Not too long ago, I discovered their $5 footlongs. So now, I buy their $5 footlongs and split them up for two lunches making it $2.50 per lunch!
Tuesdays is a “slow” day of the week. Most places have a deal to draw you into their eateries. KFC have their Toonie Tuesdays (more like $2.99 + tax deal) with a chicken thigh and leg plus fries. Fresh Slice have their $1.25 + tax per slice deal. Movies at the theaters are usually a few bucks cheaper too! I’m sure there are other deals on Tuesday around town, but those are the top ones I can think of.
Burger King have their daily King Deals. $5 + tax combo. You can even replace their fries for onion rings at no cost.
I am always on the lookout for coupons and deals. Makes me happy when I get a big bang for my buck!
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