Nearly everyone these days has a little bit of credit card debt, and some more than others. For those of us with multiple credit cards, there has to be a way to pay it down. Surprisingly, small sacrifices can go a long way towards eliminating credit card debt, and your lunch is a great place to start.

Many people buy lunch at work - its often a pain to try to pack it, and if you do, youll want to have some treats - the chips, the dessert, etc. But no matter what youre doing, theres probably a way to cut out some of the expenses. It doesnt sound like much, but if you can save a dollar a day or so on lunch, it will add up - make a couple of changes like this in your life, and you could be debt free within a year. Lunch is a great place to start.

Instead of buying your lunch, pack it with cheap food from the grocery store. If you have to buy it for convenience or some reason, shift down on the menu - go for the cheapest food you can get, and think about calorie content versus cost - if you can get something for cheap that will fill you up, go for it. The best option is really to buy food in bulk from Sams or a similar store - dont get the lunchables or the packaged meals. Make them yourself - a baloney sandwich may not sound that good, but it could win you freedom from your debt problems.