I don’t really have any daily spending habits, other than I’ve learned that I tend to forget my lunch stuff if I take it, so I buy my lunch most days. It’s rarely so high, but for the sake of argument, let’s say I spend $10 every day.
So if I decided to bring my lunch, I imagine that money not being spent would just remain in the checking account and end up spent on something else. It’s nice to think that I’d save it, but I know that it would fall in the category of checking money not spent, and would probably contribute to a greater sense of financial well being, but that’s about it.
Now if I got an extra $140 per paycheck ($10 a day = $3650/yr = $140 bi-weekly), then I imagine I’d actually allocate more to savings as a result, since it would be more of a matter of just adding to the amount that gets added to the savings account direct deposit.