One more thought on eating out vs. cooking at home... resturants have only taste in mind, not your health. You can save so much money and probably a couple of inches on your waistline by not eating out. For example, I eat quick cook oatmeal every morning - good for your heart and takes two minutes to nuke in the microwave, I put some berries, or applesause and cinnamon, or a banana, or just some maple syrup in it. So breakfast costs me about 4 dollars a week (more now that produce is so expensive). One McDonalds value meal breakfast would cost me the same thing.

I do splurge on good coffee and beer for at home, and often invite friends over to my house for coffee and a muffin in the morning or beer and chips and salsa in the afternoon instead of meeting them out somewhere. Keep it simple and casual and save money.