Came across this article from SavingAdvice.com on 10 Daily Purchases that Hurt Your Budget. So I did a quick assessment to see how I score against this checklist: 1. Breakfast Snack. I used to buy a "pow" and a soya bean drink from a stall behind the bus-stop where I take a transfer bus when going to work. But I have long since stopped that practice. I prefer to eat a slice of bread or whatever buns or what not that we have bought or my wife baked. 2. Lunch Out. Something I certainly do so everyday at work. More so for the social interaction with colleagues and an excuse to walk the distance for an exercise. But it's inexpensive as we typical lunch out at hawker centres. So I guess it doesn't count. 3. Takeout for Dinner. Naw. I go home for dinner. Wifey's cooking is too good ......