I use to buy fast food, eat out all the time, but since I have been on a diet I almost always bring my lunch, which consists of fat free yogurt, bananas, and some other fruit. For dinner I usually have a salad that I make at home which consists of healthy greens, veggies, any and all and I use 2 grams fat dressing by wishbone. This is been a total turn around for me as I said I really enjoyed eating out day and night, but I am proud of the changes I made not only in my diet but also in my spending. After reading about your “Latte Factor” I didn”t realize how much money I spend carelessly in a day. My credit cards are almost maxed out but I have decided to refinance and save money with a lower interest rate, pay off my credit cards, make home improvements that will increase the sale of my condo when I decide to sell and invest in an IRA or CD. I am also going to increase my 401k investments. I am 48 and will qualify for retirement at age 56. I need to start doing and stop wasting time as I will need all the help I can get. I almost always buy 1 cup of coffee daily which is 1.40, but I now plan on bringing one from home.