10. Cell phone. Examine your bill today and cut out any unused features. Even if it only saves $1 a month, it will get you in a good habit of saving.
9. Electricity. Shut off lights and computers when you’re not in a room.
8. Food. Eat less. If you eat first thing in the morning, and don’t eat past 7, you’ll have more control of your appetitie.
7. Gasoline. Drive less. See our post on spending less on gas.
6. Depreciating assets. Buy as few as you can. These include cars, electronics, etc.
5. Insurance. Compare plans, there may be some you can do without.
4. Credit and debit cards. Ditch them. Study after study shows most people spend 5-15% more per day than people that rely on just cash. Those 2% cash back offers don’t sound so good now, do they?
3. Expensive housing. Live outside the city instead. Get some more roommates.
2. Loans. Always try to consolidate your loans into new ones with lower interest rates.
1. Everything. Try doing without as much as you can. You’ll realize that so much of what you think is a necessity isn’t really at all.