Hi Renee,Yep, gotta love those PhD programs that lead to starving-wage jobs -- let me guess, something in the liberal arts, right? ;-) (I'm a classicist.) I feel very blessed not to be carrying student loans on top of my cc debt.I'm currently looking for ways to cut my expenses, and I know the biggest place is eating out lunches. This is tough, because usually a group from my company goes out every day, and it's often frowned upon if you bow out too many times.Would it be so terrible to take a bag lunch to eat with your colleagues? If you go to a restaurant, you could order a soda or an appetizer for appearances' sake. Or, even better, encourage your colleagues to think take-out so you can walk with them while they buy their lunch & then sit down somewhere & eat with them. I often do this with my colleagues (being all starving PhDs, we are all either carrying bag lunches or buying the least expensive sandwich from the lunch wagon!).I have found that restaurant meals are a HUGE drain on the budget, far worse than many trips to Half Price Books. Good luck & I hope you get lots of good suggestions!Tanaquil
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