culture The Top Expenses You Don't Need

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12k votes 822 voters 38k views 31 items Embed
List of expenses you dont need and are pretty easy things to cut out if  you are on a budget. Skip paying for these unnecessary, everyday costs if you are trying to save money because you are saving up for something, are unemployed or underemployed, in between jobs or have recently been laid off. The little things add up - a meal out here, a movie night there and all of a sudden you are scrambling to pay rent at the end of the month.

If budgeting were easy, then everyone would be better at it. But, generally, people suck at saving their money. How to stretch a paycheck when money is tight? You have to cut out the little things that add up. Since people value life's luxuries differently, there is not one answer for the best way to save money on a budget. Movie-lovers may shudder at the thought of giving up the experience of seeing a new film in theaters but have no problem reducing the meals they eat out or taking the bus to work occasionally. Some people wouldn't dream about giving up their morning Starbucks, but would gladly cancel their cable TV to save some cash.

This list is voteable and reflects the values and opinions of the entire community who has ranked it. Vote on the items that you think you could most easily give up and add additional items that you have either had to cut back on or would never dream about giving up.

1
+ - 375 103
Lottery Tickets is listed (or ranked) 1 on the list The Top Expenses You Don't Need
Lottery Tickets Give it up.

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2
+ - 371 115
ATM usage fees is listed (or ranked) 2 on the list The Top Expenses You Don't Need
ATM usage fees Vow to only visit your own bank's ATMs.

3
+ - 384 131
Going Out for Coffee is listed (or ranked) 3 on the list The Top Expenses You Don't Need
Going Out for Coffee That mocha-frappe-latte has got to go!

4
+ - 309 115
Manicures is listed (or ranked) 4 on the list The Top Expenses You Don't Need
Manicures Trim your own cuticles for awhile.

5
+ - 293 145
Eating Out is listed (or ranked) 5 on the list The Top Expenses You Don't Need
Eating Out Time to start brown-bagging it.

6
+ - 264 106
Smoking is listed (or ranked) 6 on the list The Top Expenses You Don't Need
Smoking You promised yourself you'd quit years ago anyway.

7
+ - 245 165
Gym Membership is listed (or ranked) 7 on the list The Top Expenses You Don't Need
Gym Membership Pushups and running outside are free.

8
+ - 268 149
Luxury Grocery Items is listed (or ranked) 8 on the list The Top Expenses You Don't Need
Luxury Grocery Items No more prosciutto and brie sandwiches.

9
+ - 276 142
Brand Name Prescription Drugs is listed (or ranked) 9 on the list The Top Expenses You Don't Need
Brand Name Prescription Drugs Go generic.

10
+ - 263 147
Going Out to Movies is listed (or ranked) 10 on the list The Top Expenses You Don't Need
Going Out to Movies You've probably already cancelled HBO, so try to catch a flick on basic cable.

11
+ - 240 139
Personal Web Domain is listed (or ranked) 11 on the list The Top Expenses You Don't Need
Personal Web Domain Go back to a generic, hosted website.

12
+ - 264 151
Cable TV is listed (or ranked) 12 on the list The Top Expenses You Don't Need
Cable TV You always have the Internet to fall back on for entertainment...unless you've cancelled that too.

13
+ - 231 90
Sports Events is listed (or ranked) 13 on the list The Top Expenses You Don't Need
Sports Events Why should your lack of money add to the undeserved people's opulence for things we can all do without? 

14
+ - 245 158
Amazon Prime is listed (or ranked) 14 on the list The Top Expenses You Don't Need
Amazon Prime You probably shouldn't be shopping anyway.

15
+ - 240 131
New Clothes is listed (or ranked) 15 on the list The Top Expenses You Don't Need
New Clothes Be out of fashion for a season.

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16
+ - 232 168
Alcohol is listed (or ranked) 16 on the list The Top Expenses You Don't Need
Alcohol This is arguably when you need booze the most, but it gets expensive.

17
+ - 175 184
Gifts is listed (or ranked) 17 on the list The Top Expenses You Don't Need
Gifts Homemade gifts have more meaning anyway, right?

18
+ - 197 189
Netflix is listed (or ranked) 18 on the list The Top Expenses You Don't Need
Netflix Spend that time you would be watching movies looking for a new job instead.

19
+ - 252 132
Concerts is listed (or ranked) 19 on the list The Top Expenses You Don't Need
Concerts Have a home listening party instead

20
+ - 179 190
Cell Phone Data Plan is listed (or ranked) 20 on the list The Top Expenses You Don't Need
Cell Phone Data Plan Ditch the Internet capabilities on your phone.

21
+ - 202 179
Travel is listed (or ranked) 21 on the list The Top Expenses You Don't Need
Travel Stay put for awhile.

22
+ - 228 139
Professional Hair Cuts and Sty... is listed (or ranked) 22 on the list The Top Expenses You Don't Need
Professional Hair Cuts and Styling Almost everyone has a friend who can cut your hair (sort of) well for free.

23
+ - 135 176
Marriage is listed (or ranked) 23 on the list The Top Expenses You Don't Need
Marriage Not something to rush into if you're struggling to pay your bills. 

24
+ - 102 101
Romantic Gestures is listed (or ranked) 24 on the list The Top Expenses You Don't Need
Romantic Gestures You can be more creative than spending money here, can't you?

25
+ - 120 176
Cell Phones is listed (or ranked) 25 on the list The Top Expenses You Don't Need
Cell Phones If you have no money or no job & can't pay your bills, the last thing you want is a phone call. 

26
+ - 154 186
Dating is listed (or ranked) 26 on the list The Top Expenses You Don't Need
Dating Impressing the opposite sex can be pricey.

27
+ - 129 205
Living Solo is listed (or ranked) 27 on the list The Top Expenses You Don't Need
Living Solo It may be time to get a roommate.

28
+ - 135 268
Tipping is listed (or ranked) 28 on the list The Top Expenses You Don't Need
Tipping Take your misery out on others.

29
+ - 108 248
Car Maintenance is listed (or ranked) 29 on the list The Top Expenses You Don't Need
Car Maintenance Those squeaky brakes can last a little longer.

30
+ - 127 220
Gasoline is listed (or ranked) 30 on the list The Top Expenses You Don't Need
Gasoline Time to start walking, biking or bussing.

31
+ - 113 223
Your Car is listed (or ranked) 31 on the list The Top Expenses You Don't Need
Your Car Commit to public transportation for awhile.