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Lunch in not lunch out to save money. You have to put the money needed for a lunch out in your secret box and see how much you save because of doing a new version of yourself. Don't shy out about eating inside the office with the food you home-cooked because you have to achieve your goals to save money. Your friends might be surprised but tell yourself that they will never help you in times of financial need. Yes, you can borrow but with interest, you better take your initiative to avoid it.