Dining Out for Less: 6 Smart Ways to Treat Yourself—and Save

Grab-and-go breakfasts, bagged lunches, and meal-prepped dinners are all great ways to keep both our wallets and calories in check during the week. Yet, once the weekend arrives, we often crave something different—and that tends to entail dining out.

Brunch with mimosas may be the perfect way to start a Saturday after a long work week. That Sunday football game can be even more fun at the sports bar, surrounded by huge TVs and served up with wings and beer. Or, if you’re anything like me, you just can’t resist finding a great spot to eat and chat after catching a new film at the theater.

While dining out can fill both physical and social needs, it also can feel too pricey to justify at times. Fortunately, there are ways to enjoy a meal out without breaking the bank. Here’s how.

Tip No. 1: Set a realistic budget

Figure out just how much you’re willing to spend—whether that’s per week or per month. Being careless with your credit card with a “spend now, worry about it later” mentality can crush your budget.

Once you have taken care of all of your mandatory financial responsibilities—such as rent or mortgage payments, groceries, utilities and any other regular expenses—calculate what you have left over. Based on this weekly or monthly amount, choose how much you want to set aside specifically for dining out.

If you plan to use a credit card, be sure that you can pay the full amount of your purchases by the time the payment is due. After all, is that burrito bowl really worth paying interest on?

Tip No. 2: Preview menu items and prices

Once you establish your budget, it becomes easier to compare your choices. Imagine you’re craving a char-grilled, juicy ribeye. A casual chain steakhouse will cost far less than an upscale fine-dining spot, even though the dish is similar.

Preview the restaurant’s online menu to plan your spending more strategically. Remember to budget for the tip (recommended around 20 percent) if you’re dining at a sit-down restaurant. And if you come across a menu online that doesn’t include prices, you may be gambling with your budget.

Tip No. 3: Use AAA dining discounts and credit cards with cash back

Once you’ve narrowed down your restaurant choices, start hunting for savings.

One of the easiest ways to save is by using a credit card that pays cash back on restaurant purchases. With a card like the AAA Travel Advantage Visa Signature credit card, for example, you can earn 3 percent back on restaurant purchases.

Another great way AAA members can save is through the new AAA Dining Deals program. AAA members save up to 40 percent at more than 400 restaurants across the country—from quick-service eateries to fine-dining establishments. Say you’re craving a high-end ribeye. With your AAA membership, you can grab a $50 digital dining gift card for just $40—instant savings before you even sit down to eat.

Searching for “coupons” or “discounts” for your preferred restaurants—whether through sources such as Google or ChatGPT—also can shave a little off your dining tabs.

Tip No. 4: Cash in on specials and deals

Take advantage of the deals restaurants already offer, including happy hour specials and early bird discounts. Also, lunchtime meals are often cheaper than—yet comparable to—dinner, so dining out a little earlier in the day could help you save a few bucks.

Many restaurants also run festive promotions, such as birthday perks and holiday specials. Going out for a special meal on your birthday could earn you a free dessert or appetizer. And certain holidays—such as New Year’s Day and Veterans Day—often come with restaurant deals you might benefit from. Local Restaurant Week events can also offer prix fixe menus far cheaper than normal.

If you’re lucky enough to find a spot that still offers “Kids Eat Free” nights or senior discounts, make use of these little bonuses, which can quickly add up. And remember to check restaurant apps and loyalty programs; many offer rotating weekly specials you won’t see on the regular menu.

Tip No. 5: Skip the extras

Ask yourself: Does your meal really need a prequel or a sequel? Appetizers and desserts are fun, but sometimes the main dish is more than enough for your appetite—and your wallet.

The same goes for that drink list. If a cocktail or glass of wine will eat into your budget, consider a soft drink or a lighter beverage instead. BYOB restaurants can help you save on cocktail costs, too. And if you really want to save money, a refreshing glass of lemon water typically costs nothing at all.

Tip No. 6: Share entrées

Some restaurants are known for their huge portions, and sharing an entrée is a great way to take advantage of that abundance. Sure, leftovers can be nice, but you know what’s even better? Paying half the price for a meal you weren’t going to finish anyway.

Sharing can also make dining out feel special. If you’re on a date, splitting a dish can be surprisingly romantic—there’s a reason that Lady and the Tramp spaghetti scene is still so iconic.

Bonus tip: If the restaurant charges plate-sharing fees, it’s usually listed on the menu, so give it a quick check first.

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From savoring a custom-made latte to enjoying a four-course gourmet meal, dining out doesn’t have to mean busting open your bank account. Keep these tips in mind before you venture out to satisfy a craving—while sticking to your budget.