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  2. More Tips to Save Big When Eating Out – Part 2
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Save Money on Eating Out with More Tips from CCS

Part 2 includes 7 tips focused on saving while eating out

By Julie Jaggernath

Does food simply taste better when you don’t have to cook it yourself? You’re not alone. Eating out is one life’s small luxuries, offering us a break from the day-to-day grind and that tedious question of what to make for dinner every night. So, learn to indulge without letting the costs eat up your budget!

Here is Part 2 of our list of 13 budget-conscious tips to make eating out more affordable. If you missed Part 1, it has tips for those who really like to eat out or pick up take-out. Mix and match tips from both lists, or try several tips at once, to find what work best for you. Happy brunching!

Tip 7: Dine Like You Shop – Manage Hunger to Avoid Overspending

Avoid arriving at a restaurant with an empty stomach, as this can lead to ordering more food than you need. To curb your hunger and help make mindful choices, consider having a light snack – even just a granola bar or handful of grapes – before you head out. By doing so, you’ll be less likely to overindulge and can focus on ordering only what you’ll reasonably eat. Furthermore, to maximize savings and minimize food waste, take note of the portion sizes offered at your chosen restaurant. If they are known for generous servings, sharing an entrée with a dining companion can be an excellent strategy. This approach not only helps reduce costs but also allows you to enjoy a variety of flavours without the temptation to overeat. By being strategic about your hunger levels and portion sizes, you can enjoy your dining experience while staying within your budget.

Tip 8: Save by Not Skipping Breakfast and Lunch

Opting to dine out during less hectic breakfast or lunch times, rather than the prime-time dinner hour, can be a great way to save money. Meals during these times are typically less expensive, with many restaurants offering special breakfast and lunch menus that provide good value for your money. By choosing to eat out earlier in the day, you can still enjoy a meal at your favourite restaurant without the higher costs associated with dinner service. This approach not only helps stretch your dining budget but also allows you to experience dishes that you might not typically choose for dinner.

Tip 9: Maximize Value and Minimize Waste

If you have kids or family members who often leave half of their meal behind, a practical approach is to order entrees that can be shared with someone else at the table or taken home and reheated for a bedtime snack or lunch the next day. Sharing dishes not only ensures that everyone gets a taste of various options without over-ordering, but it also significantly cuts down on food waste.

In cases where sharing isn’t feasible, choosing meals that reheat well can extend their enjoyment beyond a single sitting. This strategy is economically beneficial, saving you money by maximizing the value of each meal purchased. Additionally, it helps reduce the environmental impact associated with food waste. When food is thrown away, it not only represents wasted money and resources but also contributes to increased landfill use and greenhouse gas emissions. By being mindful of portion sizes and opting for shareable or reheatable meals, you can make dining out more sustainable and budget friendly.

Tip 10: Drink Smart – Water Benefits Your Wallet and Waistline

One simple yet effective way to cut costs when dining out is to order water instead of pop, juice, mocktails, or other drinks. These beverages can significantly inflate your bill, especially for a family. Opting for water can save your family anywhere from $20 to $40 each time you eat out. Not only is water a healthier choice, but it also provides substantial savings over time.

By making this small adjustment to your dining habits, you can enjoy meals out more frequently without straining your budget. Moreover, the savings from skipping expensive drinks can be put towards a special treat or used to enhance other aspects of your dining experience. Making water your go-to beverage when eating out is a simple yet effective strategy for maintaining both your wallet and your well-being.

A glass of ice cold water on a table at a restaurant.

Tip 11: Splurge Guilt-Free for Special Occasions

Make dining out a special treat by saving it for memorable occasions or celebrations. Establishing a habit of cooking budget-conscious meals at home can lead to significant savings, allowing you to set aside funds for guilt-free restaurant splurges. Engage the entire family in the process of meal preparation and cleanup. This collective effort not only distributes the workload but also imparts essential skills to kids and teens. They learn the basics of cooking, understanding ingredients, and the value of budgeting, all with minimal extra effort.

This approach creates an environment where cooking at home becomes a shared experience, fostering a sense of teamwork and responsibility. Plus, it offers an excellent opportunity to bond over meal choices and kitchen tasks, turning what might feel like a chore into a fun family activity. By focusing on cost-effective and nutritious home-cooked meals, you can enjoy quality time together while preparing delicious dishes. The savings accumulated can then be used for special outings, making those restaurant visits even more enjoyable and guilt-free.

Tip 12: Strategic Planning for Stress-Free Spending

Be mindful of your mental and emotional state when making spending decisions. Stress can greatly impact our ability to make wise choices with our money and credit, often leading us to opt for costly convenience over frugality. In moments of stress, it’s simpler to grab whatever is necessary to feed the family instead of carefully considering cost-effective alternatives. By planning ahead, you create an automatic fallback plan for those times when navigating your day on autopilot is easier: the answer for “what’s for dinner” is posted on your meal planner, and “how much can I spend” is noted on your spending plan. Making a proactive plan allows you to maintain a balance between convenience and frugality, ensuring that you’re making the best financial decisions even during challenging times.

When it comes to saving in a pinch, choosing take-out over dining in can be a less expensive option, as it helps avoid the temptation to order additional items while lingering at a restaurant table. Additionally, take-out usually requires a smaller tip, further reducing costs. Nonetheless, it’s crucial to remain vigilant about your bill, regardless of whether you’re dining in or taking out. Ensure that the total is accurate and doesn’t include any unexpected charges. Checking your bill carefully helps avoid unnecessary expenses and ensures you’re not overpaying for your meal. By being mindful of these details, you can manage your finances more effectively while still enjoying the convenience of occasional take-out. This approach can help alleviate financial stress and contribute to more balanced and thoughtful spending habits.

Tip 13: Be Creative and Balance Convenience With Cost-Effective Meal Planning

Taking the time to research and plan can lead to substantial savings, allowing you to enjoy more frequent dining experiences without stretching your budget. However, if you find it hard to resist overspending when you eat out, consider stocking up on a few convenience items to make quick meals at home. For instance, you could use a jar of butter chicken sauce with pre-cooked chicken, served over rice or riced vegetables from the frozen aisle. That’s dinner done in about 20 minutes. Another option is to keep buns, sliced cheese or cold cuts, soup for dipping, and a salad mix from a bag on hand. Preparing at least part of your meals from scratch helps you make healthier choices while being cost-effective. If your kids miss having pop, walking to the local store for a slushy can be a fun alternative that offers a less sugary drink, some exercise, and extra family time. There are countless ways to balance meal preparation from scratch with convenience, making it more budget-friendly than dining out. With a little creativity, you can manage your money better while still enjoying the occasional treat and promoting healthier eating habits.

When Food Costs Max Out Your Budget, We Can Help

When you’ve too much on your plate and can’t find the time to devote to figuring your budget out, we can help. Our credit counsellors are skilled at offering personalized advice and guidance to help you manage the expenses that need to fit into your budget. Enjoy restaurant food with ease, knowing that you can keep your spending in check.

How Tariffs Could Increase Your Costs

Tariffs on goods don’t just affect businesses—they can trickle down to your wallet, too. For example, if the cost of importing agricultural products like fruits or meat goes up, grocery stores may pass those higher costs on to you. Similarly, tariffs on steel or electronics could make big-ticket items more expensive. The result? Your everyday expenses could climb, leaving less room in your budget for savings or debt repayment.

With over 70% of Canada’s trade tied to the States, tariffs can lead to higher prices for imported goods. Specific industries, like the automotive sector (Canada exports $50 billion in vehicles and parts to the U.S. annually), are likely to be affected, potentially increasing the cost of cars and repairs. To stay ahead of rising costs, look for ways to save money on groceries, by using budgeting apps or trackers. Consider switching to locally produced products or generic brands where you can also find savings on groceries.

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Couple Shopping At a Grocery Store

Budgeting and Building an Emergency Fund for Rising Costs 

If rising costs are stressing you out, you may require adjustments to your budget to keep essentials covered. With $20 billion in agricultural products imported from the U.S., tariffs could drive up food prices making your budget unbalanced. Making the required adjustments to cover your essentials and building an emergency fund can help you stay on track.

Start by reviewing your budget and identifying areas where you can lower expenses. Even small changes can free up cash for essentials. At the same time, consider a financial reset, including allocating what you can to an emergency fund, no matter how small the amount. Over time, these contributions can add up, giving you a financial cushion when you need it most during uncertain times. If you receive a windfall, like a tax refund or bonus, consider using it to boost your emergency savings.

Debt Management Strategies in Uncertain Times

Tariffs and economic uncertainty may make debt repayment more challenging due to higher interest rates or reduced income. Prioritizing debt can help reduce financial stress and free up cash flow, ensuring you stay on top of your obligations. Focus on paying down high-interest debt first, such as credit cards or payday loans, as these cost you the most over time. Resist looking for information about bankruptcy chapters because those are American. If you’re struggling or unsure where to start, contact one of our Credit Counsellor for a free and confidential session to answer your questions and explore options like debt consolidation or a debt management program.

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Planning for Irregular Income

Tariffs may lead to job instability or reduced hours, especially in industries tied to U.S. trade. Keeping a flexible budget can help you manage fluctuating cash flow and ensure you can cover essential expenses, even when facing reduced income. Start by creating a variable income budget that lists essential expenses and prioritizes them. If you have high-earning months, set aside a percentage of those pay cheques to cover low-earning months. You might also want to explore side hustles or gig opportunities to supplement your income. Taking steps before reduced income happens can prevent a lot of stress if you do see a dip.

What to Do If You’re Laid Off

With 2 million Canadian jobs tied to U.S. trade, job loss is a possibility during economic uncertainty. Having a plan can help you stay afloat while you search for new opportunities. Government programs and community resources can provide temporary support during this challenging time.

If you’re laid off, apply for Employment Insurance (EI) benefits as soon as possible to access temporary financial support. Next, prioritize essential expenses and cut non-essentials, such as entertainment or subscriptions. Finally, update your resume, network, and explore temporary work or retraining opportunities to get back on your feet.

How to Manage Money During a Strike or Lay-Off With Drastically Reduced Income

Long-Term Financial Planning Amid Uncertainty

Tariffs and economic shifts can disrupt long-term goals, but staying flexible can help you adapt. Regularly revising your financial plan ensures you stay on track, even when circumstances change. Reassess your savings goals, such as homeownership, retirement, or education, and adjust timelines as needed. If rising costs are making it harder to save, consider extending your timeline or reducing your monthly contributions temporarily. Additionally, diversify investments to reduce risk during economic volatility.

How to Decide If Downsizing Your Home to Pay Off Debt Is Worth It

Staying Financially Resilient During Stressful Times

Financial stress can take a toll on mental health, but staying proactive can help you feel more in control. Small, consistent actions can build resilience over time, ensuring you’re prepared for whatever comes your way. Try to avoid impulse spending or borrowing during stressful periods, as these can make your financial situation worse in the long run. Instead, focus on small, consistent actions, like sticking to your budget or setting aside a little money each week. If you’re feeling overwhelmed, seek support from a financial advisor, Credit Counsellor, or mental health professional as needed.

Your Wellbeing Is More Important Than Your Credit Rating

The Impact of Tariffs on Canadians and What You Can Do to Prepare

Tariffs may be out of your control, but how you respond to their impact on your finances is not. By staying informed, adjusting your budget, and focusing on your long-term goals, you can navigate these challenges with confidence. Whether you’re dealing with rising costs, irregular income, or the fear of a layoff, the key is to act now—so you’re prepared for whatever comes next.

Need expert help?

Looking to get back on track?

Get started today by making an appointment to speak with one of our credit counsellors. We’re happy to answer your questions and help you. All of our appointments are free, confidential, and non-judgmental.

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