Today my husband had dive training with a few other guys from the station. One guy is single. one guy is married, both of them work, no kids. The other guy is divorced, no kids. Then there is my husband - married, four kids. Since my husband is a healthy eater he tends to make his own meals at the fire station. This particular day the training was off site and on a boat for the coast guard. Now that I have set this up let me tell you the host of circumstances that can rob even the most savvy frugal zealot.
There was no warning that training was going to be off-site - This means that my husband was caught off guard and had nothing prepared to grab on the way out the door.
He was on a boat - no refrigeration. Well, you say, he could bring a cooler. Nope, not allowed.
He was hanging out with guys who do not have kids, or are single - these guys decided that hey we are off site, there is a restaurant around the corner - Hey let's go there for lunch! These guys don't really care or watch their finances as closely as someone with children would and were fine with dropping 10-15 bucks on lunch.
Because he was on a boat he couldn't opt out of lunch - Normally he would just skip lunch and wait until they got back to the station to eat but being on a rocking boat and having motion sickness, it is not a good idea to skip lunch since he would be sick the rest of the day.
Alas, he was stuck. He dropped $11.00 for lunch that day. Not a big deal but we don't want to make a habit of it. But my husband was a bit irritated because the guys that he works with do not even think twice about going out to lunch. Husband does not feel as though he is missing out on something by not being of the same mind as those guys but more that he has goals that he wants to achieve and would much rather spend his money on travel or something worthwhile than a fancy salad.
So at the end of the day, be aware of the situations that you could get in, plan for them, so you do not get into a position of being caught off gaurd as my husband did this day. Planning is the secret to frugality and living on less.