The easiest way to save is to see how much you are really spending on eating out. Just an $8 lunch three times per week is more than $120/month that you can save. A $5 cup of coffee at your favorite café every morning can cost you more than $100 per month in added expenses. Stop buying lattes and coffees at your favorite café. It doesn’t make sense to spend $5 to $10 every morning, when it costs pennies to have it at home. Try drinking filtered tap water, rather than spending $2 for bottled water. Bring your lunch to work, instead of going out. This act alone will save you between $5 and $20 per day. Over the course of a month, you can bank nearly $400.