I would have to say that for our family, one of our BIGGEST budget busters is eating out.
I love to eat out. Could be part of the reason its a budget buster. :)
Before kids, Tommy and I ate out like it was our job.
So after analyzing and re-analyzing our budget I have to say that the temptation to eat out is a potentially big budget-buster for us.
Some days, I am energized and perfectly content to fix an entire meal (along with dirtying an AMAZING amount of dishes in the process). But other days I just want the ease of eating out.
SO
When I'm tempted to go out, I figure up the cost of a meal at home so I can see how much we SAVE by eating in.
Today I made a pot of chili (yes I realize it is summer, but we love chili :) ) and I totaled up the cost of ingredients to be $7.61. (plus a little for sour cream and cheese).
We typically eat 3 full meals from a pot of chili. (just Tommy and I, picky kids.)
At our favorite sandwich place we would spend about $6 each.
A chili meal at home would be approx $1.27 each
To recap:
Chili at home for 3 meals (for 2 adults) = $7.61
Eating out for 3 meals (for 2 adults) = $36.00
Savings of $28.39.
Yep. its worth it.
If you did something similar and opted to eat in 3 meals a month instead of going out (for 2 adults) you would save $340.68. And that is just a "lunchy-type" place.
Could be a total time-waster for others but doing the math really helps me.
Hugs and happy saving!