Credit or debit cards are convenient, but you don't see your shrinking bank balance with every purchase.  If you use mobile banking or money management apps while using your card, and it’s working, keep doing your thing. Otherwise, you might want to consider withdrawing a fixed amount of cash for your spending.

Credit/debit cards

Individually packaged food, in general, is more expensive than making something similar yourself.Buy foods whole and cut them yourself.

Pre-cut or individually-packed 

If you have an energy drink habit due to poor sleep, think of the money your sleep habits are costing you as an extra motivator to change them. There are a number of health issues that could be causing you to feel drained. Visit your doctor to find out how to fix it.

Energy drinks

Most streaming services are cheaper than paying for cable or satellite TV and you don’t get stuck with all the extra channels you never watch yet still have to pay for.

Paying for cable

Make yourself stick to a grocery budget. Do not allow little trips to the store throughout the week because you ran out of one or two items.  A routine of more than one grocery store trip per week indicates you’re not properly tracking your grocery consumption.

Grocery trips

We are more susceptible to buying stuff we don’t need when we are hungry. The same goes for a leisurely grocery trip.  Make your shopping trip when you have other errands to do and a limited time to do them. You will be less likely to spend time exploring and picking up items that you did not originally plan to purchase.

Shopping when you’re hungry

An expiration date on a food item does not mean it can no longer be consumed. Dried goods, such as cereal, uncooked pasta and dried beans fall into this category. Raw meat or bread can be stored in the freezer for some time.You can also use online databases to look up the actual shelf-life of certain foods and compare them to what the label says.

Expiration dates 

Don’t use coupons as an excuse to buy things you normally wouldn’t, even if they only involve small amounts of money. Stick to coupons for the things you already buy or that are absolutely necessary.

Coupons

You generally don’t need to buy a specific and often pricey product for every different surface in your home.  There are recipes for DIY all-purpose cleaners on the cheap side as well as homemade cleaning products for specific surfaces.

Buying different cleaning products 

It can cost a lot of money to replace lost chargers and cables, expensive jewelry or losing keys and having to pay a locksmith to get into your house or car. Find motivation to declutter and get organized to prevent future incidents.

Disorganization

You don’t have to spend money on the big brand names.Your local grocery or drug store might have a store brand or sell a generic version. In most cases, the ingredients are pretty much identical.

Brand name products

Not washing your hands, alcohol and junk food habits, and just not taking proper care of yourself in general, will all come back to bite you. Weigh the potential medical bills against the temporary inconvenience of adjusting to new habits.

Health and hygiene habits

If you pay heating and cooling bills, you might be paying more than you need to due to inadequate insulation.  Effective insulation can be achieved.

A drafty living space

You do not need a professional mechanic to sort out many of the simpler car problems. There are all sorts of easy and helpful instruction videos available to repair or maintain your car for cheap.

Basic car maintenance

Rather buy better quality clothes that have been gently used instead of cheap new clothing.  Cheap clothes break and tear, and then you have to buy more.If you insist on buying clothing or shoes brand new, find the items you really want and keep an eye open for when they will be on sale.

Clothing

We don’t keep track of all the little snack purchases made on the go. Get in the habit of bringing plenty of liquids and a snack or two with you whenever you go do errands.

Buying a snack at the gas station

Some money-saving tips are obvious, like flying coach, cutting back on eating out, or ditching expensive bad habits like smoking. Some ways are uncommon enough to be impractical for consistent savings like choosing cheaper hotels on vacation or buying a used car rather than a new one - great advice, but it's not going to help keep your monthly expenses in check.

Pre-cut or individually-packed

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