10 Money-Saving Habits of People Who Didn’t Take Loans for Their Kids’ College

Make restaurants a special treat

Restaurant meals and takeout cost more than a home-cooked meal—after all, you’re paying for service in addition to the ingredients. By cooking at home more often, you can enjoy meals together without dishing out all that dough, says Julie Rains, a personal finance writer at Investing to Thrive. “Food is a large expense, and the more it can be controlled, the more money you’ll have to spend on other things or save for the future,” says Rains, who sent her oldest son to college without loans. Here are more money-saving resolutions to consider.