On we go to numbers eleven and twelve:
11. Bring Your Own Lunch To Work - Let's face it: brown-bagging it is in. Where I work, there is a cafeteria, but I have seen fewer and fewer people frequent there and more and more lunches in the refrigerators in the break room. We usually get a half-hour lunch, which doesn't give you time to even leave campus and get anything that is located more than two blocks away (which limits you to Burger King or the convenience store). Lunch usually runs about $5-$6. Bring something from home, be it a sandwich or leftovers once a week. This would save you $5 a week or $250 a year (you do get two weeks of vacation usually). Add that up over 20 years and you have just pocketed cool $5,000.
12. Skip the Snack Machine - There are times that you will be hungry for a snack sometime in the middle of the day. You could easily waddle to the snack machine at work and plug in $1.00 for a candy bar or bag of chips (neither of which is very nutritionally sound). Be prepared, purchase your snacks ahead of time when you go to the grocery store and you can get your snacks for less. For simplicity sake, let's assume that you save $0.50 a day, or $2.50 a week. That makes it $125.00 per year, or a nice $2,500.00 over twenty years.
Since we are keeping score, we are now saving $2,272.62 a year, or $45,452.40 over twenty years.
There are lots of other ways that you can save to lower your credit card indebtedness that are covered in my book Never Surrender!!. There is a 30-day money-back guarantee, so you have nothing to lose. To order, click the book.
Have a GREAT day!
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