Often I talk to people who tell me they have too much month left at the end of their money. They cannot see how they can begin to save their $1000 beginner emergency fund. In the same breath however, they will tell me they went out to eat and had a great lunch at one of the local restaurants.
This used to be me! When I started to move toward a cash only system, the first thing I changed was the amount of money I was spending on meal. In a matter of a month I was able to save $200!
$10 a day for lunch X 5 days X 4 weeks = $200. Brown bagging it allowed me to come up with my $1000 baby emergency fund in a short amount of time without much hassle.
Another added benefit to brown bagging it; As my bank account started to get bigger, so did my pants. Soon my pants were too big for me.
Try it for your self! Pack your lunch for a few months and put that money into an emergency fund. PB&J will never taste the same again!
Corey Stokes 