95. Use frequent-diners' cards. Some restaurants offer punch cards — if you buy 10 meals, the next one is free. For a family of six, it takes only two visits to earn a free meal.

96. Go out to lunch when entree prices are often a dollar or two less than dinner.

97. If a full-course dinner comes with soup, salad, drink and dessert, it's only a great buy if you really want (or need) all that. You may be satisfied ordering an a la carte entree without the extras. Ditto combo meals in fast-food restaurants.

98. Guard against up-sell, when you're asked if you want guacamole with your taco or extra cheese for the fondue. If it costs extra, you might not want it that much.

99. At fast-food restaurants, order a kids' meal for yourself (if there's no age limit). Most of the time, you're getting a more appropriate portion of food (and a toy to boot!).

100. Watch beverage costs. Alcoholic drinks can double your tab, but even soft drinks can add $10 to $15 to the bill for a family of six. Water is a healthier choice anyway. Be sure to specify "tap" water, some restaurants may bring you bottled water at $3 or $4 per bottle.

101. If you feel you can't afford to tip, choose a fast-food or fast-casual eatery where tipping isn't expected. In sit-down restaurants, servers' salaries are less than minimum wage. Tips make up the difference.

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E-mail: vphillips@desnews.com