Maybe you’re the rare person that never eats out at a restaurant.  Chances are, however, that you do open your wallet each day to purchase some kind of item that you digest.  Because these instances seem trivial, we typically have no idea how quickly spontaneous food and drink purchases add up to be a large component of a monthly budget.  For example, one beverage and one snack bought daily while “on the go” probably costs at least $3.  That’s $60 a month if it’s only on work