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You could be saving thousands on lunch

Sure, you know that it's cheaper to bring your lunch from home than to buy it out every day. But have you ever taken the time to do the math on how much you're really spending? 

Let's say you grab a sandwich and a piece of fruit from your local deli every day, and it costs you about $10. You could have spent just a couple of minutes making the same thing at home, and it would have cost you just around $3 per meal. Over the course of a year, that's more than $1,700 dollars you're spending, just for the convenience of having somebody else slap mustard onto bread.

That's not all - say that instead of spending it on food, you put that money into a 401(k) that's being matched by your employer. At 50 percent match, you could save up more than 26 grand over the course of a decade. At a full match, you'd have $35,000 at the end of 10 years, and the only lifestyle change you'd need to make would be changing where your daily sandwich was prepared. That's a new car, a nice trip or even the down payment on a house. 

Sometimes, a major financial shift is needed. At others, all you need to do is pay more attention to the little things, and let time do its work.

Of course, splurging every so often isn't the worst thing in the world. To make a little extra money for those days when you really want to eat lunch out, check out a few paid surveys. They don't take long, and are a great way to use your voice to make some additional cash. 

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