Do you have a gym membership that you rarely — OK, never — use? If you signed up during a promotion and though you’d be gymming everyday but the reality is you don’t, then it’s time to cut those monthly recurring charges loose.

Say you’re on a site and click on a book, and then you see an amazing offer for an audiobook service. It seems like a great idea in the moment but that one “free” book could end up costing you hundreds of dollars, depending on how many months you paid for the service.

When it comes to any kind of online membership, think about how often you use it. For instance, maybe you use your husband’s TV streaming service now, so yours has been neglected. Cancel your subscription immediately and streamline your online memberships.

It’s so easy to just spend a few seconds tapping food options on your phone and getting food delivered right to your door, no matter where you may be. But it definitely adds up, and fast. Convenience is expensive because you’re paying someone to do something for you.

We love ride-sharing apps as much as the next person, but when you look through your credit card or bank statement each month, you’ll start to realise that you spend way too much on those ride-sharing services. Try to cut back and use public transport (MRT or bus anyone?) once in awhile.

It can be totally easy to fall into the trap of relying a little too much on that magical plastic card but people who use cash spend less and can trick their brains into saving money. Cash gives you that automatic budget, makes you feel the loss harder and more often.

Whether it be bottled water, a latte, or a cocktail, drinks can be a huge money vacuum. They swallow up that cash as quickly as your need to quench your thirst, need for caffeine, or need to let loose. So limit your spending and get friendly with what your kitchen has to offer: tap water.

Getting a good deal is always at the forefront of our minds but sometimes sales can make you buy things that you just don’t need. Ironically, a TIME article on more ways to stop wasting money, reveals that people who shop during sales tend to spend more than non-sale goers.

Sometimes you have to spend more to save more. From something as simple as the cleaning supplies you buy that will last you longer to the products you put on your skin that won’t do as much damage — investing in good quality helps you and your wallet.

It’s nice to treat yourself and splurge, but it’s good to do a self-check on how often you’re indulging. Manicures are fab, taxis are convenient, and food delivery is bliss. But you know what else is great? Taking the time to learn a simple recipe or two and prepare that glorious meal yourself.

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