We're all doing what we can to cut costs in this economy. It is by no means an easy or entertaining task, but simple measures can pay off in huge ways. For instance, stop with the coffee shop visits. In a short time, you'll be surprised at the money saved. Beyond that, consider packing a lunch for your workday versus eating out. An added benefit of making a lunch, is you have complete control over the contents, so why not make it as healthy as you want to. These hoagies are a good jumping off point.