My FI was the same way!!! He would not only spend $$ on lunch and breakfast but he was giving away about $200.00 in ATM fees. He works in Manhattan and for those who dont know you always pay more for food even McDonalds in the city than you would in the other boroughs! And like you I was the total opposite! I HATE paying ATM fees! So one day I sat him down and I explained to him how much we can save if he was just a little more careful. I had to take baby steps with him, I started by having him withdraw a $100 dollars every week (w/o paying fees) and he started realizing that he really was throwing $ away stupidly by paying fees. The first month he had an extra $150 left! Then came the hard part, limiting how much he spends on lunch and breakfast. I started making him lunch and breakfast 2 days a week, then 3 now I am up to 4-5 days a week and he couldn't be happier! Now I created a monster!!!! (But I live it LOL). Try doing a spreadsheet and show him how much he can save by cutting back on certain things. Good Luck!! Let us know how its going!