{"id":57391,"date":"2022-12-22T18:32:00","date_gmt":"2022-12-22T18:32:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/budget-savvy-tips-for-spending-less-at-work\/"},"modified":"2024-02-02T08:31:32","modified_gmt":"2024-02-02T13:31:32","slug":"budget-savvy-tips-for-spending-less-at-work","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/budget-savvy-tips-for-spending-less-at-work\/","title":{"rendered":"Budget-Savvy Tips for Spending Less at Work"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\">\n\t\t\t\t\t\t\t<span>Savings<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Budget-Savvy Tips for Spending Less at Work<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Sarah Treleaven<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-12-22T121133.756-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Woman sitting at a modern desk with a healthy lunch beside her in containers and her right hand using a laptop.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-12-22T121133.756-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-12-22T121133.756-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-12-22T121133.756-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Budget-Savvy Tips for Spending Less at Work &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/budget-savvy-tips-for-spending-less-at-work\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/budget-savvy-tips-for-spending-less-at-work\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published December 22, 2022 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>After more than two years of remote work, many employees are back to the office\u2014and it&#8217;s safe to say that there are some mixed feelings about it. For many, leaving the home office behind and reconnecting with colleagues in person is a welcome change, but for others the return means additional expenses at a time when the cost of living continues to creep up due to inflation. Working from home at least part-time translated to major savings for many Canadians as a result of skipping commuting, lunches, post-work cocktails, and other costs.<\/p>\n\n\n\n<p>But there are ways to keep expenses down while adapting to the new (old) normal. Here are some tips from two budget-savvy experts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consider any new circumstances<\/h2>\n\n\n\n<p>As eager as many of us are to put the pandemic behind us, circumstances have often changed\u2014and that&#8217;s something to consider as you navigate a busy lifestyle and rising costs. Kelley Keehn, a financial educator and author, recommends avoiding an auto-pilot-like state, where you simply go back to your old habits. If you&#8217;re only back to the office two days a week, do you really need a transit pass? Does paying for a parking pass downtown make sense once you factor in today&#8217;s gas prices? Be mindful as you move forward. \u201cThese are big questions for people to ask and you have to do the analysis to figure out what makes sense for your budget,&#8221; says Keehn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tinker with your daily commute<\/h2>\n\n\n\n<p>Commuting can be one of the least favourite\u2014and priciest\u2014aspects of working outside the home. Millennial money expert Sandy Yong recommends stacking errands\u2014daycare pickup, gym, buying groceries\u2014on the trips to and from work so you&#8217;re not making multiple trips and, if driving, burning extra gas. She also suggests carpooling with colleagues, if possible. \u201cThis is great if you live in the same area and have a long commute.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cut workplace food expenses<\/h2>\n\n\n\n<p>Being back in the office might seem like a reason to embrace maximum convenience\u2014but the cost of buying coffee, lunch and snacks can quickly creep up. It&#8217;s most cost-effective to make your own lunch, but you don&#8217;t have to do it the night before. Keep some snacks at your desk and groceries in the office fridge so you can assemble \u00e0 la minute. Yong suggests taking advantage of any food and beverages offered by your employer\u2014whether that&#8217;s drip coffee or catered lunches. And consider a group order through a meal delivery app for lunch or if you&#8217;re working late; you can save by splitting, including on delivery costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Slim down your socializing<\/h2>\n\n\n\n<p>Workplace solidarity and team building is one of the benefits of in-office work cited by many employers\u2014which often means socializing beyond your cubicle. This is an important (and fun!) part of working life for many people, and Yong says there are ways to do this cost effectively. She recommends taking advantage of happy hour specials, hosting potlucks instead of ordering in, and suggesting activities (e.g., board game nights, sports leagues, trivia contests, etc.) that can be less pricey than a fancy restaurant meal with drinks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Look for the hidden costs<\/h2>\n\n\n\n<p>Working at the office likely means less control and flexibility when it comes to your daily schedule\u2014and that can add some expenses that might not be immediately clear. Maybe you need someone to walk your dog, or perhaps you must enroll your kid(s) in an aftercare program. Keehn advises taking a holistic view of your potential expenses and take note of places where you can shave them down even as you&#8217;re tempted to maximize convenience. \u201cLook at a meal prep kit instead of eating out,&#8221; she says. It&#8217;s not as inexpensive as cooking, she says, but it can make life easier and save you money versus restaurant meals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Re-evaluate your wardrobe<\/h2>\n\n\n\n<p>The idea of trading in a perma-uniform of sweatpants for business casual clothing that, after more than two years, may or may not still fit<span id=\"added-diff-8\" class=\"diff-html-added\">, is exciting for some, but less<\/span> appealing to others. Yong suggests evaluating your wardrobe before making any knee-jerk purchases; you might already have more than enough options in your closet. If you do need to buy additional items, she suggests buying well-made classics, ideally on sale. \u201cIt&#8217;s always good to have staple items that will look good for many seasons,&#8221; she says. Waiting for a sale is also an option, but Yong adds that some retail stores offer discounts to certain big employers. And keep an eye on labels; avoid items that require pricey dry cleaning.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-b2598e25-0340-4385-9be1-bff5a4c98d9a\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Budget-Savvy Tips for Spending Less at Work &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/budget-savvy-tips-for-spending-less-at-work\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/budget-savvy-tips-for-spending-less-at-work\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-6f99d776-c2a4-4382-b1e4-88a1c96307ad\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Personal Finance<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Savings<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div 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src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Digital form checklist\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg 6736w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, 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mar-t-0\">2026 Financial Roadmap: A Guide to Debt, Budgeting and Investing in Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-b2598e25-0340-4385-9be1-bff5a4c98d9a {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-b2598e25-0340-4385-9be1-bff5a4c98d9a {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-6f99d776-c2a4-4382-b1e4-88a1c96307ad {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-6f99d776-c2a4-4382-b1e4-88a1c96307ad {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>From lunches to commuting, going to work can get pricey. 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