25 Tips to Save 20% for Your Retirement with No Effort

19. Pack Your Own Lunch

One of the biggest expenses people can’t seem to go without is buying lunch. If you pay an average of $10 every time you’re at work then you’re looking at $200 a month.

We understand that there are some days where you simply can’t go without going out on a lunch break with your colleagues but don’t make a habit out of it. Preparing your own meal at home the night before and packing it is so much more cost-effective. The easiest way to get into this is to cook extra dinner every evening. Voilà, take the leftovers with you at work!

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