I hope it's not rude, because I am starting to do just that all the time! My friends and I like to dine out too, and it was really adding up after awhile. One weekend I spent $40 on just dining out! I'm really broke right now and need to be saving money for other more important expenses. So sometimes I do find myself eating a meal at home, and then just ordering dessert when dining out with friends. I do have a lot of those buy one, get one free coupons, but all of my dining is done in a group environment, so they are obviously impossible to use then. It's the nickel-and-diming stuff that really gets a lot of people in financial trouble. When you add up all the money you spend on dining out and getting coffee drinks and other stuff like that, it really adds up. I'm trying to cut back on all of that and save money.