<prompt> Human: Hi guys, Im 24 and Ive been on my own for a little over a year. Im single with no kids and I live in the NYC area. Heres a breakdown of my financial situation: Salary: 50k, - 30k after taxes and 401k contributions Rent: 1200mo Metrocard: 104mo Cell Phone : 60mo Im left with 37 per day on everything else. On a typical day, Ill spend about 3-4 on breakfastcoffee, 12 on lunch and 14 on dinner. Ive been saving almost nothing I cannot afford things like cable or a car. What adjustments should I make to my lifestyle to be better-off financially?  <response>: The biggest change is dont go out for every meal. To give you some numbers: If youre spending 12day in lunch, making yourself a 3 lunch at home and bringing it with you three times a week would save you 1400year. Same with dinner. Eating at home three nights a week, even if its just a shitty frozen dinner, could save you another 1400year. The numbers you threw out equate to 30day in food, or close to 900month. As a comparison, thats effectively the first week and a half of work you do every month going entirely to your food budget, or the first 3 hours of every work day.You dont have to make a big change to your lifestyle to have some fairly large effects. Each time you save 5week will end up being 250 a year. 