Joe Hernandez

speaker

630 appearances 84 recordings 3 series first heard Feb 2025 last heard 28 Aug

Joe Hernandez’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 61 in all, peaking in Jul 2026 with 12.

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Life Kit · How to save at restaurants if you're burnt out on cooking · 30 Jun 2026 podcast

And then that would kind of be your starting point if you want to save money from there.

And that might also highlight some patterns for you.

So if you've been buying a salad or something every day at work, you could start packing your lunch more often.

Yeah.

And if it's worth it to you to spend that money and save yourself the time, then it's worth it.

But if you would rather not be spending that money and you just do it because you're, you know, you don't have any lunch prepared for that day.

All the experts I spoke to said one of the most important things that you can do is plan ahead.

And in this case, that could mean like making a big batch of lunches over the weekend and then bringing it with you to work.

Right.

You can kind of pick and choose rather than be limited because you ended up spending $45 the previous week getting those lunches that you just didn't pack.

And then there's kind of like the question of where is that eating out budget?

Because one of the experts I spoke to, financial counselor Lindsay Plum, says she keeps her eating out budget separate from her grocery budget.

So the thinking there is that...

Your grocery budget is kind of its own thing and that's just for groceries and separating it from your eating out money and other whatever other parts of your budget you have means you're not dipping into your grocery money for expensive restaurants or other costs that are just for fun.

And then there are a few kind of other things that the personal finance experts told me about budgeting.

Sometimes restaurants will have these loyalty programs that offer discounts or free items.

So you could sign up for those.

And then some credit card rewards programs also give customers extra points for spending money in restaurants.

So one more thing before you even show up is to look at the menu, because the experts that I spoke to, they all said preparation is key to saving money.

So if you look at the menu ahead of time, you can kind of come up with a game plan of what you might want to order a little bit better.

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