Although there’s no magic wand that can whip your budget into shape, making some seemingly small tweaks can have a big impact over time. Here are five changes you can make that could save you hundreds—even thousands—of dollars every year.
1. B.Y.O.L. (Bring Your Own Lunch)
In the hurry of an average workday, what you eat for lunch can seem like an insignificant decision. However, the humble midday meal can add up to a serious expense. If dining out for lunch costs you $11 each time, that means that eating out three days a week can cost you more than $1,700 a year. By preparing lunch at home, you can save nearly $1,000 every year.
2. Tweak your thermostat
Thermostat preferences are a common point of contention for many families, but putting it in terms of dollars and cents might bring about an agreement. Setting the thermostat a few degrees higher in summer and lower in winter can cut your energy bills. You could save up to 1 percent on your yearly heating bill for every degree change you make, according to the U.S. Department of Energy.