Have you ever tried to reduce debt, improve savings, or make progress on your financial goals, but didn’t know where to start?  It may have seemed like an impossible hurdle because you didn’t have the money to get ahead.  You may have even thought that if something drastic didn’t change, then you would be stuck in a financial rut forever.  The good news is that you don’t have to get a raise or hit the lottery to make progress on your financial goals.  You can take a look at your life, assess where you are spending, make small tweaks, and then put that money towards your financial goals.

Sounds simple, right?  It is, trust me.

Let’s take a look at 3 ways that you may be overspending:


According to US News, the average American spends about $2,746 on lunch annually. This presents a good opportunity to reduce spending.  One way to reduce spending is to prepare your lunch at home.  Plan your meals based on what is on sale, and look for ways to cook a bigger dinner and take the leftovers for lunch.  Target a homemade lunch cost of $3 – $4 to maximize your savings.  Also, track your spending.  Visa launched a free app called Lunch Tracker that allows you to track your lunch spending, find ways to reduce it, and even have cost savings challenges with friends!

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