so im finally trying to cut back on some of my spending...
 

and i use my debit card for everything so it was super simple for me to figure out where the money is going ...
i busted out the ol graph and i am spending 28% of my monthly income on eating out :/

I've cutted back on some of the money I spend at clubs, has given me an extra $1k to invest from last month.

Congratulations. Personally I am a near professional penny pincher when it comes to my personal finances. So if you need any tips let me know but please also stress how extreme you are willing to go. I know many people think the effort takes up more time than the cost savings falling onto the adage that time is money, however I have found that also to not really be true either for most things. The vast majority of stuff can take literally minutes a month and save hundreds if not thousands a year. Another thing I often get is from those that really think you are missing out and that money should be spent. I am typically fine with my spending lifestyle. I never really have any wants and do have plenty of excesses. I also have no issues with splurging every once in awhile and dropping a large sum eating out or something. It is more of a balance with me and the scales are tipped to saving over spending.

That is where most people spend the most money.

It costs less than half to eat at home.