This is what I did:
I looked at my finances hard.
A friend suggested Pear Budget.
It’s cheap (you get a free 30 day trial), easy to use and understand (if you a math phobe!) I went through our finances last year. Lo, and behold I found several holes in our budget.
My husband was eating out for breakfast, lunch, and dinner. Then he would come home and eat what I cooked on top of that. So that was the first thing that was crossed out. If you break it down: trundling down to the kosher Dunkin’ Donuts or Krispy Creme for a coffee and a breakfast sandwich or bagel, you looking at least a $5 dollar purchase. Do that five days a week and you’re looking at:
$20 a week,
$90 a month,
and $1040 a year.
That’s just if one of you are grabbing breakfast on the go. Tack on a kosher take out lunch and the expense gets higher.
Others have similar holes in their budget. A coffee here and there can really add up.
Find them and plug them up.