Back in October, I came up with two realistic goals to help me meet my savings/debt goals as well as flexibility with unexpected holiday purchases. The goals were: 1) don’t eat out for lunch and 2) don’t buy any clothes until 2010. Well my no-buying clothes goal was sadly broken a few weeks later, but I have done very well with my no-eating-out-for-lunch goal and had my first 2010 meal yesterday.
Well, that’s not entirely true. I paid for my first 2010 meal yesterday. I have eaten out at least once a week this month at Subway, but I don’t count it because I was using a gift card I got from the family I babysit. Yesterday was the first day I actually spent my own money on lunch at the delicioso Chipotle.
It got me thinking though: what if I buy myself gift cards to my favorite restaurants as my “eat-out” budget for the month or the next few months? I rarely eat at fast food places for dinner, but it’s convenient for weekday lunches since we only get a 30-minute break. I could even do this with my clothing budget or buy gift cards for when I go to the movies.
Has anyone bought gift cards for yourself to help keep your budget under control?