re: Anybody eat out for lunch every day?

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Amazes me how a gaggle of office girls making probably $10 an hour or so will spend $10 a day ordering out for lunch

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Me too. People I work with make more than $10 an hour but still go out to eat for lunch every single day. Let's conservatively call it $12 per day (although at MOST sit down restaurants with drink/tax/tip you're looking at well over that) and you're looking at over $2,500 per year. That's not even getting into the fact that these people are also likely spending out on dinners multiple times a night as well.

Of 20 workdays in a month, I make my lunch at home probably 19 of them.