Saving as much as $20,000 per year might seem impossible, but by making some simple sacrifices and maintaining financial discipline, this goal is within reach for anyone. Here is a list of 10 lifestyle changes that save major cash.

1. Make Your Own Meals

Drink the free coffee at work instead of picking up that $4Starbucks Corporation(NASDAQ:SBUX) latte. Save another $4 per day by eating leftovers for lunch instead of getting that club sandwich atRuby Tuesday

Instead of going out to dinner atCracker Barrel Old Country Store, Inc.(NASDAQ:CBRL) andThe Cheesecake Factory Incorporated(NASDAQ:CAKE) twice a week...