If you want to improve your personal finance, you need to cut your expenses. One of the highest expenses you can incur is food. Food is essential so you might not be able to cut it, right? Well, that’s not true, you can even cut your food expenses. For instance, when you eat out, you will spend a lot of money but when you eat at home, you save a lot of money. For instance, the average meal in a US restaurant costs around $15, when you cook the same meal at home, you can reduce your cost by 50 percent. You can cut your expenses on other areas as well.