If you're stuck behind a desk all day, chances are you're taking in more calories than you're expending, especially if you step out to grab lunch every day. This habit is not only bad for your waistline, it's bad for your wallet too. According to a study reported by Delish.com, 66 percent of Americans buy their lunch nearly every day, spending close to $160 every month.

We went to Kendal Perez of HassleFreeSavings.com to find out his best tips for how we can put that money to better use.

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