Making your lunch can make your mortgage payment

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I won’t bore you with a detailed breakdown of mathematical wizardry — the spreadsheet below, based on a 241-day work year, summarizes it. (241 days being what’s left once we subtract weekends, two weeks’ vacation, and statutory holidays from 365.) Let’s have a look:

	Morning coffee, Tim Horton’s	Bologna and cheese sandwich plus small side salad	Afternoon coffee, Tim Horton’s	Snack	Total
Cost per day	$1.50	$8	$1.50	$2	$13
Cost per month	$33	$176	$33	$44	$286
Cost per year	$361.50	$1,928	$361.50	$482	$3,133

Adjust for your own preferences, but the prices above are based on a typical day’s purchases.

Now let’s look at the cost to brown-bag the same food:

	Coffee beans, unground	Whole wheat bread	Meat, veggies, sandwich stuffing	Cookies/fruit	Total
Cost per day	$0.47	$0.37	$4.76	$0.80	$6.41
Cost per month	$9.95	$7.85	$100.00	$16.80	$134.60
Cost per year	$119.40	$90.07	$1,147.62	$192.80	$1,549.89

Doing the math for your own lunch gets a little more complicated. Let’s say a big cup of coffee weighs in at 10 grams of ground beans. You’ve got 454 grams in a pound of coffee, so there’s a cup a day for 45 days. Divide in half and you have a little more than two cups a day for the working month. Perfect



Here is the whole article here

http://ca.finance.yahoo.com/personal-finance/article/canadianbusiness/1626/make-your-own-lunch-save-a-mortgage-payment