During my first two years in the working world, I can count on my hands the number of times I went out for lunch.
Packing lunch started out of necessity. My first five months in New York City, I was an intern stretching a $12-an-hour paycheck. So I did what any money expert or super-saver will tell you to do and cut costs by going homemade.
Once I started earning a better salary, the habit had stuck. But after two months on a "cash diet" in 2017 — which limited my spending to $60 a week and ultimately saved me four figures — I decided to treat myself … at least, when it came to lunch.