Budget Tip: You have food at home

You have food at home.

Yes, you have food at home. That doesn’t mean that you can’t go out to eat but if you are trying to save money and still want to hang with your friends; eat before you leave home. When you arrive at the restaurant, order an appetizer and save about half of what you would have spent on an entree. Yeah, your friends might make jokes but think about the money that you are saving for a future goal like a vacation without using credit cards, an extra mortgage payment to reduce the life of your loan or a contribution to a Roth IRA. Don’t allow yourself to be peer pressured into spending money that can be used for a future goal.