savings

5 ways to beat the payroll tax increase

'Brown bag' your lunch
'Brown bag' your lunch © Whytock/Shutterstock.com

According a recent survey by Accounting Principals, 82 percent of respondents spend more than $21 on coffee on average each week, while 89 percent spend more than $36 on lunch. But saving money on food and beverages is easy. Start by packing your lunch and bringing a drink from home.

Jeanette Pavini, a consumer savings expert with Coupons.com, compared the prices for homemade sandwiches to the average deli price for three popular sandwiches, and found that you can save $23.75 per week, or $1,235 over the course of a year, by doing just a little shopping and taking five minutes each day to prep your lunch.

In addition to packing your own lunch, rethink your drinks. Rather than stopping for coffee on your way to work, bring some from home. And rather than buying bottled water, drink from the tap.

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