Bringing lunch to work was the obvious winner as your pick for the best everyday saving trick in 2008. Something that seems so small can make a huge impact on our budgets, and I've seen the difference in my own bank account by bringing my lunch more often this year.

Bringing leftovers or cooking a batch of something on Sundays makes packing your lunch a less time-consuming process. If you've been meaning to pick up this money-saving habit, why not make it a goal for the New Year? While you're at it, pick up the number two saving trick of the year by automating your savings.

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