Do you know what I think is the most perfect physical expression of financial independence? Mr Money Mustache would have you believe it is riding your bike, and that’s a strong case, but at best I’m a part time cyclist. I have a seven-mile ride to the train station and I will freely admit to picking and choosing my battles with the elements. I’m not short of opportunities in the day for overcoming adversity without adding cycling through the rain.
The three biggest expenses in most budgets are housing, food, and transportation. I feel like I’ve got a good handle on our housing and on transportation as well. But sometimes (like monthly) it feels like I’m going broke from eating out. Restaurants do some serious damage to my budget and from what I read on Twitter and other personal finance blogs, lots of you feel like you spend too much money eating out as well.
Oddly enough, it took figuring out how much money I was spending at the grocery store to finally motivate me to change my dining out habits.